vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Data Mortgage Inc.
State: MO

Complaint narrative:
I am filing this complaint because the monthly mortgage payment XXXX XXXX has been charging me since the day my loan originated does not match the payment shown in the disclosures I received at closing. This appears to be an escrow miscalculation and a failure to properly disclose the true cost of my loan. 



At closing, I received documents stating the following estimated monthly amounts : Homeowners Insurance : {$100.00} Property Taxes : {$92.00} Mortgage Insurance : {$87.00} Total Monthly Payment : {$880.00} ( including principal and interest ) This was my first home purchase, and as a first-time buyer I relied on the accuracy of the documents provided to me at closing. 



However, from the very first mortgage statement I ever received, my actual monthly payment has been much higher than quoted. Currently broken down as : Principal : {$210.00} Interest : {$370.00} Escrow ( Taxes + Insurance ) : {$710.00} XXXX XXXX has never explained why my escrow portion is {$710.00} per month, when the taxes and insurance disclosed at closing totaled {$200.00} per month. That is more than three times higher than what I was told to expect in my closing package. 



I only recently discovered this discrepancy when reviewing my closing documents and discussing my rate and payment with others in the industry. Until then, I assumed the payment was correct, as this is my first mortgage and I did not know what to expect. 



XXXX XXXX has not provided any documentation showing that my taxes or insurance premiums were this high at origination, nor have they provided any justification for the mismatch between my closing disclosures and the payment they have charged me from the start. 



This appears to be a significant disclosure issue and a potential violation of the Real Estate Settlement Procedures Act ( RESPA ). 

As a first-time homeowner, I trusted the documents provided to me at closing. The numbers do not match, and XXXX XXXX has not given me any reasonable explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am filing this complaint because multiple companies accessed my TransUnion, Equifax, and Experian credit file without my permission, authorization, or a permissible purpose, as required under the Fair Credit Reporting Act ( FCRA ). 

I did not apply for credit, did not consent, did not authorize, and did not have any existing relationship with these companies that would legally allow them to pull my credit. 

Despite this, TransUnion is reporting the following unauthorized inquiries : Unauthorized Inquiry List XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These inquiries were not authorized by me and were not initiated by any legitimate application for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This situation has completely turned my life upside down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, Im met with silence or excuses. Im not just a number Im a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Complaint Description : I am filing a complaint regarding Chase Banks failure to complete an assumption and release of liability for my mortgage. 

My ex-wife, [ XXXX XXXX ], was awarded no ownership interest in the property after our divorce. The court approved the decree, and she executed a Quit Claim Deed over four years ago. I was awarded full ownership and sole responsibility for the mortgage. 

Despite this, Chase has failed to process the assumption request and remove her from the loan, even though the mortgage is assumable and all required documentation has been provided multiple times. 

I have been the sole payer on the mortgage for the past four years. My ex-wife has no financial involvement. Chases prolonged inaction is unreasonable and harmful.

I request that the CFPB require Chase to : Complete the assumption into my name only Release the departing borrower from all liability Provide a clear explanation for the prolonged delays This issue has been ongoing for far too long and requires regulatory attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Global Trust Management LLC
State: TN

Complaint narrative:
Had a XXXX XXXX call my husband stating XXXX had sold my debt to them with a case number. Told him they had his social and everything and asked if he wanted to prosecute me, his wife, for getting a loan..... For one thing, I got the loan myself without him at all!!!!! So that was very unethical of her. When I finally talked to her, she even lied and said I owed my bank over XXXX dollars and they are going to court with her against me. I just got off the phone with my bank and they said that is not true. The tactics this woman used is extremely unethical!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Continued FCRA Violations : Bureau failed to correct factual errors despite multiple disputes. 

To the Consumer Financial Protection Bureau : I am filing this formal complaint against TransUnion for willful non-compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 1681e ( b ) ( Maximum possible accuracy ).

I have sent TWO previous dispute letters via Certified Mail to this credit bureau regarding the accounts listed below. In response, the bureau simply marked the accounts as " Verified '' or added a comment stating the account " meets FCRA requirements. '' This is false. A reasonable investigation would have revealed obvious factual inconsistencies that make the reporting illegal. 

Specific Violations & Uncorrected Errors : 1. XXXX  XXXX ( Account ending in XXXX  ) There is a factual data conflict that proves inaccurate reporting. TransUnion reports the " Date of Last Activity '' as XX/XX/year>, while XXXX  reports it as XX/XX/year>. It is factually impossible for the last activity to have occurred on two different dates. 

By " verifying '' this account without correcting this discrepancy, the bureau has failed to ensure maximum possible accuracy. Since the data is unreliable and conflicting, it must be deleted. 

2. COLLECTION ACCOUNTS ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) I have disputed these collections, requesting proof of the alleged debt and the method of verification. XXXX XXXX responded by merely adding a remark ( " Account information disputed by consumer, meets FCRA requirements '' ) but failed to provide the specific evidence or the identity of the person who verified the debt, as I requested under FCRA 611 ( a ) ( 7 ). 



Violation : " Verifying '' a debt based solely on e-OSCAR codes without reviewing physical documentation ( like a signed contract ) constitutes a failure to investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In reviewing my credit reports, I noticed that a charge-off was reported by the company that I believe is inaccurate and does not reflect the actual history of the account. I first became aware of the charge-off on my credit report around XX/XX/year>. The amount reported as charged off is {$24000.00}. 
Since noticing the issue, I have attempted to resolve the matter directly with the company. On XXXX XXXX, I contacted the company to request verification of the debt and clarification on why the account was reported as a charge-off. I did not receive sufficient documentation showing that the debt was valid, accurate, or being reported correctly. On XXXX XXXX, I followed up again and requested an investigation and correction if the information could not be verified. 
Despite these attempts, the company has continued reporting the account as a charge-off without providing verification of the amount, date of delinquency, or any records supporting the accuracy of the reporting. This has negatively affected my credit profile. 
I am requesting that the CFPB assist in having the company provide proper verification, correct any inaccurate reporting, or remove the charge-off from my credit reports if it can not be verified as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In reviewing my credit reports, I noticed that a charge-off was reported by the company that I believe is inaccurate and does not reflect the actual history of the account. I first became aware of the charge-off on my credit report around XX/XX/year>. The amount reported as charged off is {$24000.00}. 
Since noticing the issue, I have attempted to resolve the matter directly with the company. On XXXX XXXX, I contacted the company to request verification of the debt and clarification on why the account was reported as a charge-off. I did not receive sufficient documentation showing that the debt was valid, accurate, or being reported correctly. On XXXX XXXX, I followed up again and requested an investigation and correction if the information could not be verified. 
Despite these attempts, the company has continued reporting the account as a charge-off without providing verification of the amount, date of delinquency, or any records supporting the accuracy of the reporting. This has negatively affected my credit profile. 
I am requesting that the CFPB assist in having the company provide proper verification, correct any inaccurate reporting, or remove the charge-off from my credit reports if it can not be verified as required under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am unfamiliar with these inquiries and believe they were made without my permission. Please examine this issue and resolve it promptly. Documentation is provided for clarification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
I disputed a transaction with chime in the amount of XXXX from the merchant XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX it never came so I filed a dispute with chime on XX/XX/XXXX about a refund promised by a merchant. I provided chime with the exact clear screenshot of the merchant saying it would take 10 business days However chime denied my claim and I was told I would be provided in writing why they denied my claim. It has been over 3 months and my dispute has been closed 3 times every single time chime provided no evidence of an investigation or response to any of my submitted documents just the same automated message of Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

Each time I call in and request a supervisor or a real human review my documents from the merchant and each time they say they can not. It has been over 3 months and I need help because chime is not doing what they have agreed to under the law. 

They agreed to a written explanation of why my claim was denied or The evidence they used to make that decision. If they looked at my documents it would show they need to credit those funds back to my account because the merchant lied and is no longer communicating with me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation