vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
IC Systems called me regarding a debt from XXXX. When I initially called to ask who was calling, they refused to give me any information and wanted make to verify my address. I refused and told them that my address was not needed to verify the caller information. After a continued back and forth with the customer service representative he finally told me the name of the company and they were calling on behalf of XXXX. I told them that I have never had a XXXX account and I asked them to remove my number. The representative then told me that he could not even access the account. I inform him I will be making a complaint.

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 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On Friday XX/XX/year> I deposited a check into my Citibank checking account for XXXX dollars, a few hours later I was out and about downtown meeting up with a XXXX  XXXX to pay for my XXXX XXXX  I go to pay for it Im declined, afterwards I try to log into my app to see whats going on, Im locked out of my app I check my emails see if maybe there was something marked as fraud since I just tried to swipe a large purchase, no emails no alertsI call citi bank speak with someone who tells me my account was locked for a few reasons but dont tell me much then they tell me they need to transfer me to fraud department , the fraud department was closed! So I was out of luck couldnt use my card for my XXXX XXXX couldnt even use my card to pay for my dinner I was out having. I call today during their business hours I call at XXXX on XXXX  XX/XX/year> I get ahold of someone who tells me they need to verify my check from the issuer before they can unlock my account, they switch me around to XXXX different departments have me hold for XXXX minutes then tell me they verified the legitimacy of my check and to hold while they unlock my account, then after holding another XXXX minutes they tell me even though all my information is verified and good to go everything was checked out theres no reason they should have even locked my account but now they tell me I have to wait XXXX hours while my account is under review! How can it be under review when they themselves called and verified my check, and they wont let me access any of my funds or anything its truly ridiculous I also found it quite strange they demanding knowing what my own money is used for or what its for

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 2025-03-29 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: OH

Complaint narrative:
I have attempted to contact XXXX regarding the details reflecting on my Transunion and Experian reports as well as the creditors directly. The proper updates have not been provided and today they lowered my score by XXXX points on Experian and increased it for XXXX. I sent numerous requests for the companies to furnish complete and accurate details regarding my credit profile to no avail.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have attempted to contact XXXX regarding the details reflecting on my Transunion and Experian reports as well as the creditors directly. The proper updates have not been provided and today they lowered my score by XXXX points on Experian and increased it for XXXX. I sent numerous requests for the companies to furnish complete and accurate details regarding my credit profile to no avail.

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 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Hello, I was preapproved with a credit card with Chase. I applied and after receiving a letter I called and my application was approved on XX/XX/year>. The bank sent me a card and closed my account in 2 days. I have made many calls but no explanation was given. 

The bank made a hard inquiry and my credit score dropped. Moreover, opening a card with Chase limited my options of opening other cards. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and remove these items from my credit report. It is my understanding that you will conduct a verification process with the relevant creditor ( s ) responsible for reporting these items. I kindly ask you to eliminate any information that the creditor ( s ) can not substantiate. I am aware that, under 15 U.S.C. Sec. 1681i ( a ), you are obligated to complete this investigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the aforementioned address. According to the act, there should be no cost associated with obtaining this updated report. Additionally, I request that you notify any party who has received my credit report in the past six months about the corrections made.

Thank you for your attention and assistance in resolving this matter.

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 2025-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: U.S. BANCORP
State: KY

Complaint narrative:
I tried to get a mortgage loan and I feel like I was discriminated against because of race and because social security is my main income. The loan officer XXXX XXXX didnt try to get me approved. I was approved by two other banks the same time I was trying to get approved through US bank. Also I tried another loan officer at US bank named XXXX XXXX and I was left with no answers.

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 2025-03-29 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Arizona XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Violations of 15 U.S. Code 6802 ( b ) ( 1 ) by Financial Institutions Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number : XXXXXXXX XXXX account number : XXXX number : XXXX, XXXX XXXX XXXX, account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, account number : XXXX, XXXX XXXX XXXX, account number : XXXX, account number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, account number : XXXX account number : XXXX XXXX for violating 15 U.S. Code 6802 ( b ) ( 1 ), which prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties without proper consumer authorization or legal justification.

It has come to my attention that the following accounts below have shared my personal financial data, including account details and transaction history, with third-party companies without providing me the required opt-out opportunity or obtaining my explicit consent. " ]. This is a direct violation of the Gramm-Leach-Bliley Acts consumer privacy protections.

Under federal law, financial institutions must inform consumers of their rights and allow them to opt out before sharing sensitive personal data with third-party entities. However, in my case : I was not provided with a clear and conspicuous opt-out notice.

My personal financial data was shared without my consent.

The institution failed to follow required consumer privacy procedures.

These actions have put my privacy and financial security at risk. I request the CFPB to investigate this matter and take appropriate enforcement action against TransUnion, Experian and Equifax for noncompliance with federal privacy laws.

Please keep me informed regarding the progress of this complaint. I appreciate your prompt attention to this serious issue. 

Sincerely, XXXX XXXX XXXX

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 2025-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Approve Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX, the initial title of interest was transferred with Power of Attorney ( POA ) granted to XXXX XXXX XXXX, by XXXX XXXX XXXX. This action effectively surrendered the collateral interest and authorized the credit union to take possession of the vehicle by enforcing a lien. Upon reviewing the contract after the vehicle repossession, I discovered misleading facts that were not fully disclosed at the time of signing. The contract granted XXXX XXXX XXXX full ownership rights over the vehicle through an undisclosed securitization process, which was not an agreed value. The Bank and XXXX XXXX misappropriated the contract by treating it as a negotiable instrument, applying credits at inception, which expands the face value upon pooling. The pooled asset was assigned a CUSIP number, which was requested from the XXXX XXXX XXXX ( XXXX ) for proper accounting. This accounting would prove that the obligation was prepaid at maturity, eliminating the necessity for further payments. 

Although through acquiescence I agreed to the contract terms by signature, the exchange constituted collateral given in consideration. the contract, the exchange of value constituted collateral. However, due to the lenders failure to disclose material facts regarding securitization, the contract was induced under misrepresentation, making it subject to rescission The bank received valuable consideration, yet continued to treat the vehicle as an enforceable debt obligation, leading to unjust enrichment. 

On XX/XX/XXXX, the vehicle was seized due to the overwhelming burden of unmanageable payments. This deeply unfortunate event resulted in profound moral and financial hardship, severely impacting the credit report and leading to financial insolvency. This highlights an urgent need to address these injustices and provide relief for the harm caused. 


UCC 3-203 ( b ) Holder in Due Course ( HIDC ) : UCC 9-203 Attachment and Enforceability of Security Interests : Truth in Lending Act ( TILA ) 15 U.S.C. 1601 TILA ( 15 U.S.C. 1635 ),

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received a letter from Capital One dated XX/XX/XXXX stating call us right away to confirm your account details. It stated in accordance with US law were required to obtain and periodically confirm data about our customers and individuals associated with their account ( s ). This applies to all our customers, including those who have an account in good standing. Unfortunately if we dont hear from you by XX/XX/XXXX, well have to put your money on hold, which will prevent you from using your accounts. And, if we dont hear from you by XX/XX/XXXX, well have to close your accounts. We dont want this to happen. Then they give you the contact number to call and the reference number. I have been calling this number for the last 2 weeks without being able to talk to anyone. Every time I call they would put me on hold and the call would cut off after about 2 hours. I went to my local branch on XX/XX/XXXX and the branch rep was also directed to the same department and we were on hold for about 2 hours before getting disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to file a formal complaint regarding inaccurate late payment entries on my accounts ending in XXXX XXXXXXXX and XXXX XXXX  These late payments have been reported by my creditor but are not properly verified, and I believe they are incorrect. 

I have disputed these discrepancies directly with the credit bureaus, but despite my efforts, the late payments remain on my credit report without proper validation or supporting documentation. Under 15 USC 1681 2A, furnishers are required to report accurate information, and under 15 USC 1681i, the credit bureaus are obligated to conduct a reasonable investigation within 30 days of receiving a dispute.

Neither the creditor nor the credit bureaus have provided sufficient evidence to support the negative reporting of these late payments, which is a violation of the Fair Credit Reporting Act. 

I kindly request that the credit bureaus and the creditor investigate this matter thoroughly and remove these inaccurate entries from my credit report if they can not provide proper documentation. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX with a balance of {$52000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I changed my hazard insurance back in XXXX or XXXX bc the rate doubled to almost XXXX for the year. My payment went up {$500.00}. I requested an escrow account analysis from XX/XX/XXXX, then again in XXXX and again in XXXX. I was told each time it would take 30 days to complete. I told Shellpoint mortgage company that I couldn't continue to make a {$1900.00} pmnt. Whole reason I switched insurance companies. 3 months in a row I asked for them to adjust this payment and nothing. I even emailed them my new hazard insurance declarations page!! No calls or texts about my request. But this company has No problem texting and calling for the payment! So I called again in XXXX. When I spoke to their escrow leadership team XXXX accountability was owned!! XXXX tell me why nobody was working on my file and why its taken more than 3 months to correct it. I was told by leadership a rush ticket would be put in to have escrow analysis completed in XXXX business days. Now we are almost to XXXX and the paymnrnt hasnt changed yet again. No communication or updates nothing! Unacceptable. Now I'm holding then accountable for allowing employees to XXXX over the people paying their wages. Who are me! I'm paying them to do their job and they are not doing their job. This company is to service me as well as my XXXX! THEY ARE NOT DOING ANY OF THIS. AND ITS SEVERELY IMPACTING MY LIFE!!. THAT PAYMENT IS XXXX OF MY INCOME. IVE MADE EVERY PAYMENT TO THIS COMPANY. IF THIS COMPLAINT DOES NOT RESOLVE THIS I WILL BE TAKING LEGAL ACTION. Please help. Robbery is wrong and this is a form of legal robbery!

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 2025-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NJ

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: MD

Complaint narrative:
Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature. They have not been able to provide such proof to me therefore you are reporting misleading false accounts.Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: MD

Complaint narrative:
Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature. They have not been able to provide such proof to me therefore you are reporting misleading false accounts.Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing a complaint because Experian is reporting balance on my account XXXX and opened this is inaccurate. This account was opened in XXXX and paid in full XXXX also not properly verified I have disputed this directly with the Experian and the furnishing company but history remains without proper validation or documentation under 15 USC 1681 S 2 furnishing companies must report accurate information under 15 USC 1681 i The credit bureaus must perform reasonable investigation within 30 days neither of them have provided the support to report negative reporting

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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