vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: CO

Complaint narrative:
this is the second time that i have contacted the company they haven't showed me proof that this is my account this is fraudulent account please help me I'm trying to buy a house for my family this is a headache please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: AL

Complaint narrative:
Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX AL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TomoCredit Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I subscribed to TomoBoost XXXX 
I have not received any of the advertised benefits from this company including : Credit Disputes, {$30000.00} trade line and the XXXX XXXX. Since subscribing to the service ; I have seen many similar consumer complaints against the company. I would like this to be resolved immediately. This company should not be able to advertise services and charge customers without delivering services to the customers. Please provide refund or provide advertised services immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I had a long conversation with an agent while closing my account. She offered promotions to keep my account open but I decided to close it. The balance was XXXX and the account was closed over a recorded line. A few weeks later I get notifications that my account is past due. She did not close my account therefore charges that I did not approve went through. I call and speak to Amex and at their request work to get charges credited through the vendor. While this is ongoing I repeatedly get charged late fees and interest. I offered to pay for the charges that could not be credited but not for any fees or interest, because they have a recorded line where I closed the account before any charges went through. They instead reported my account 90 days past due to credit bureaus and claim the late fees are valid charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Claiming no insurance coverage from existing company from XXXX When new insurance became active. Based on the insurance company credit rating. Insurance company states I had full coverage. They purchased insurance for me charged me simply because they didnt like company credit rating.previous insurance taken over lowered their rating it takes a while to find insurance not my fault their rating dropped

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: U.S. BANCORP
State: TX

Complaint narrative:
We have a XXXX loan with US Bank. We are selling the home and a new XXXX buyer is assuming the loan. 
US Bank gave us a deadline of XXXX days for the assumption. We got an offer on XX/XX/year> and submitted that information to start the assumption process on XX/XX/year>. Our closing date is set for XX/XX/year>, but the XXXX told us this week that it will be unlikely that they can meet that timeline. 
They assigned a loan XXXX and provided her contact information to us. We have reached out over XXXX times over the past XXXX months and she has not EVER answered any emails or calls. Customer Service has never been able to put us in touch with her or her supervisor directly. On XXXX occasions they have told us a XXXX would call us back, and we have NEVER received a call back. 
The buyers of the home shared with us that she does not respond in a timely manner to their emails, and when they submit requested paperwork for underwriting, it often takes a XXXX for her to respond to those emails. This has caused significant delays in getting information to underwriting. 
We have attempted to get in touch with managers, the supervisors over assumptions, etc. We have contacted the XXXX We finally got an email response after the XXXX XXXXXXXX out to ask the status of the loan assumption, but US Bank XXXX refuses to provide an updated timeline or give us any reasonable explanation for why this delay is occurring. 

This is impacting our ability to close on our new home, our ability to proceed with our lives.

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 2025-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LD Holdings Group, LLC
State: AL

Complaint narrative:
My brother XXXX XXXX passed away on XX/XX/year>. His mortgage company is loan depot. They have filed in court to take back his house. I was talking to this XXXX employee she rudely was talking over me. And I dont appreciate her talking over me and hanging up on me. She is being XXXX and prejudiced because of me being XXXX. She claims that nobody filed anything in court. XXXX house is suppose to of throw probate. But how can you deal with people like her who rudely hangs up on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
After reviewing credit report and speaking with creditor. I have asked for a validation letter I am not sure if the debt belongs to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) 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 XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have XXXX XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX  listed below : Name : 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 XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MI

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. 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/XXXX, XXXXand noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptiy notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
b"REPORTING INFORMATION ON A CONSUMER'S CREDIT REPORT WITHOUT THEIR WRITTEN CONSENT IS IDENTITY THEFT. I \nDID NOT GIVEANYONE WRITTEN OR VERBAL PERMISSION FOR THEM TO PLACE SUCH INFORMATION ON MY CONSUMER \nREPORT BECAUSE MYPRIVACYRIGHTS HAVE BEEN VIOLATED. I AM DEMANDING THE COMPANY BLOCK AND REMOVE THE \nACCOUNT FROM MY CONSUMER REPORTNOLATER THAN 4 BUSINESS DAYS AFTER SUCH INFORMATION I'VE PROVIDED. \nACCOUNTS:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/year>, I paid off my entire credit card balance, including a {$3100.00} charge to XXXX XXXXXXXX XXXX and a {$240.00} payment to XXXX XXXX XXXX. Due to a confusing user interface, in XX/XX/year> I accidentally set up XXXX XXXX XXXX installment plans on both of these chargeseven though both had already been paid in full and the balance was XXXX. 

Chase then charged me installment plan fees : {$27.00} for the XXXX XXXX XXXX transaction and {$2.00} for the XXXX XXXX XXXX  payment, despite there being no remaining principal and no need for a payment plan. 

I immediately contacted Chase customer service to dispute these improper fees and requested a refund. The representatives and supervisor ( XXXX ) refused, repeatedly stating, You chose the plan, so the fee is automatic and can not be refunded, regardless of the XXXX balance. When I informed the supervisor I was recording the call ( after Chases own disclosure that all calls are recorded ), he became defensive, refused to escalate, and then hung up on me. I called angain and was connected to a different supervisor who could give me no logical explanations and the answers given were completely different than the previous supervisor. 

I have full statements and call recordings documenting that : Both charges were paid in full before the plans were created. 
The plans had XXXX balance, but I was still charged plan fees. 
Chase supervisors were dismissive, refused to provide their last name, and ended the call abruptly. 

Requested resolution : Refund the improper {$27.00} and {$2.00} plan fees. Investigate Chases practice of charging plan fees for installment plans set up on already-paid balances, and address both supervisors unprofessional conduct. 

I am also concerned that this may reflect a broader pattern of predatory practices by credit card companies, where consumers are charged installment plan fees for payment plans created on already-paid balances. This is deceptive and unfair, and I worry that other consumers may also be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I would like to assert that no permissible purpose under XXXX XXXX XXXX ( XXXX ) has been established and under the Fair Credit Reporting Act this must be established. 

XXXX XXXX XXXX ( a ) A financial institution XXXX not, directly or through any affiliate, disclose to a XXXX XXXX XXXX XXXX any nonpublic personal information. XXXX XXXX XXXX ( b ) ( XXXX ) A financial institution XXXX not disclose nonpublic personal information to a XXXX XXXX XXXX unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information XXXX be disclosed to such XXXX XXXX ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such XXXX XXXX  ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX U.S.C XXXX ( a ) Time to make payments, A credit XXXX not treat a payment on a XXXX XXXX account under an XXXX XXXX XXXX XXXX plan as late for any purpose XXXX U.S.C XXXX ( a ) ( XXXX ) 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. 

XXXX XXXX XXXX XXXX ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-16 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: NV

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-16 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: NV

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: NJ

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 explanation
Consumer complaint received 2025-06-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX NY XXXX INQUIRIES : XXXX  Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
I'm filing this complaint regarding an electronic communication from a debt collection agency called Credit Collection Services. I received a letter in the mail as of recently from the company which is ok. However, problem came when I received an automated text message from the company. I did not give consent to such a company to send me text messages regarding the collection of debt. This could cause so many problems for me. The debt collector attempted to collect {$31.00} dollars from me ; however, the debt collector is in violation of the Telephone Consumer Protection Act ( TCPA ) ( 47 U.S.C. 227 ). This also triggers violations under the Fair Debt Collection Practices Act ( FDCPA ) section 1692e ( 10 ). The FDCPA and TCPA allows private right of action for violations under those statutes. The debt collector is liable under section 1692k ( FDCPA ) of up to {$1000.00} per violations and the TCPA that allows {$500.00} per violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief