vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Upon review of the responses received from Chase Bank through numerous inquiries via the CFPB and other communications and entities requesting certain pertinent document ( s ) associated with the corresponding mortgage, I find that requested documents were never provided by Chase Bank/Chase Home Finance . I am requesting that the company respond with 1 ) A COPY OF A SIGNED, STAND-ALONE, AND SEPARATE COPY OF A " SALE CONTRACT '' IN THE AMOUNT OF {$360000.00}. In the past, and in previous responses to the CFPB and others, the company failed to respond by providing a HUD-1 Settlement Statement in lieu of a " Sales Contract ''. A HUD-1 Settlement Statement is NOT a sales contract. The delay in the company 's responses and failures to comply with numerous requests for this information and document ( s ), through the CFPB, their attorney, their employees and through direct correspondence to the CEO and other entities, to provide requested information, is an on-going and continuing violation of my legal rights as prescribed under federal law. The failure to respond appropriately goes back to and beginning in 2011 and prior. 

2 ) In response to a submission by the company to complainant via CFPB and others from XXXX XXXX, Chase employee, and the letter sent on behalf of complainant by and through attorney XXXX XXXX XXXX of the XXXX XXXX XXXX, XXXXXXXX XXXX, complainant is requesting a copy of the letter sent by XXXX XXXX to XXXX XXXX requesting information from the company about the loan. Please provide a copy of that letter from XXXX XXXX addressed to XXXX XXXX. 

3 ) Please provide an itemized list of each and every individual payment plus interest, fees, etcetera, as well as any and all other charges added to the mortgage ( account ) by the company from beginning to end. Please provide an itemized list of all payments received from complainant submitted to the company toward payment of the mortgage. Please provide any and all detailed information as it pertains to complainant 's payments made toward the mortgage in addition to how each and every payment was treated upon receipt and how each payment was applied to the mortgage from beginning to end. Please provide a detailed accounting of all additional charges, accounts, and costs that were added to the mortgage account that increased the final amount owed. 

A complete response to the above-requested document ( s ) were never received nor provided upon numerous requests into the investigation of the corresponding mortgage. Unless and until ALL documentation as it concerns the complainant 's mortgage is received upon request, violation of complainant 's consumer rights under federal law is deemed continuing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





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 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 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 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 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 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 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 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP !!!

I will never stop filing complaints against you because I know my rights!

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

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

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After going through my credit profile I realized there were some inquiries that are not mine.

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 2025-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I requested a copy of my credit report due to a large purchase. I noticed an account from XXXX XXXX XXXX on the account. I have tried to resolve this issue because this account was opened without my knowledge. It has been sold to XXXX XXXX XXXX and I am constantly being called and sent letters and I informed them as of this morning XX/XX/year> I have no knowledge of this account.

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 2025-04-29 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I requested a copy of my credit report due to a large purchase. I noticed an account from XXXX XXXX XXXX on the account. I have tried to resolve this issue because this account was opened without my knowledge. It has been sold to XXXX XXXX XXXX and I am constantly being called and sent letters and I informed them as of this morning XX/XX/year> I have no knowledge of this account.

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 2025-04-29 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: MA

Complaint narrative:
I requested a copy of my credit report due to a large purchase. I noticed an account from XXXX XXXX XXXX on the account. I have tried to resolve this issue because this account was opened without my knowledge. It has been sold to XXXX XXXX XXXX and I am constantly being called and sent letters and I informed them as of this morning XX/XX/year> I have no knowledge of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and 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 1681 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 ) promptly 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 2025-04-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
b'I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report (FTC Report Number: XXXX) to support my identity theft claim.\nUnder 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four (4) business days.\nThe following information on my credit report is the result of identity theft and should be blocked:\nFraudulent Accounts to Be Removed: 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAs required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data.\nI have contacted the Experian, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy.\nI have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action.\nEnclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation.\nSincerely,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 explanation
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I am formally submitting a complaint regarding the inaccurate reporting of a late payment on my credit report by Experian. The record reflects a delinquent payment that is factually incorrect, as the payment in question was made on time. Nevertheless, this erroneous information remains on my report, unjustly impacting my credit score and financial reputation.

This matter requires immediate investigation and correction. I request written confirmation once the necessary update has been completed.

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 2025-04-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advance America, Cash Advance Centers, Inc.
State: IN

Complaint narrative:
This account has been sold to several different creditors. It has been paid to NationalCredit Adjusters. However XXXX XXXX XXXX keeps calling me harassing me and threatening me. This account has been paid since XXXX XXXX. 
XXXX XXXX XXXX is also calling me the incorrect last name so I think they are a fraudulent company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I visited XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was approved for {$4800.00} in financing through XXXX XXXX XXXXXXXX ( Comenity Bank ), but no treatment was ever provided. 

The clinic, especially Office Manager, repeatedly assured me and my family ( witnesses : husband and daughter ) that the funds would be refunded directly to the lender EVERY MONTH TILL THIS DAY and that I would not be responsible for anything. I trusted them. But month after month, I began receiving payment notices and late fees. The balance now totals {$5400.00}. 

When I returned to the XXXX XXXX  XX/XX/XXXX, I was told something completely different : that I should pay the full amount and they would send me a check later something I found unacceptable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX My husband had to request a loan from his employer just to try to manage this burden. 

I contacted XXXX  XXXX XXXX by phone to explain the situation. Unfortunately, they never investigated the issue and instead have been sending increasingly aggressive messages, affecting my credit and causing stress. 

I fully acknowledge that time has passed, and maybe I should have filed a complaint earlier. But how could I, when the clinic kept telling me everything was taken care of?

This situation has caused financial damage, emotional distress, and has seriously harmed my credit score. I am requesting a full investigation, the cancellation of this unjust debt, and immediate correction of my credit record.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-29 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I requested a copy of my credit report due to a large purchase. I noticed an account from XXXX XXXX XXXX  on the account. I have tried to resolve this issue because this account was opened without my knowledge. It has been sold to XXXX XXXX XXXX and I am constantly being called and sent letters and I informed them as of this morning XX/XX/year> I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: KY

Complaint narrative:
On XXXX avant called me to tell me they declined a purchase of $ XXXXI was pleased that this amount was declined. I did not make this purchase. Avant told me not a problem it was declined. Sent me a email that says the amount was declined. Said they would cancel that card send me a new credit card with a new account number on it for my safety. I was pleased and thought it was taken care of. Now Avant put that amount on my new card and allowed a purchase for that amount {$1.00}, XXXX on my new card. I called them and told them about the problem they said they would look into it. They said it was a purchase that I did make. They will not take it off my card. How can they put a declined amount on a brand new account. They will not get a hold of me other than by mail to say it was reviewed and I did make the purchase. It was declined. They don't have a right to put it on a new account. Please help me with this I now almost owe {$2000.00} on this credit card because of this mistake. This is a credit card that was paid in full. I am on a very fixed income and has lost many nights of sleep in the last 3 months trying to get this fixed. They will not help me. I do have the email where they sent it to me to say this was declined. I also have the letter that they mailed to me that said they reviewed it and that I do owe it. How can this be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
This is related to a closed complaint. Please note there are two issues. My concerns have a different set of dates, issues and dollar damages than what Fifth Third responded to. I was a victim of two frauds perpetuated by Fifth Third.

The damages I incurred were not at all addressed by Fifth Third.

As stated in the initial complaint, Fifth Third Bank through its representative, XXXX XXXX, warranted to me on XXXX, XXXX, XXXX, and XXXX that my funds on deposit were receiving a guaranteed fixed rate of 5.3 %. 

Based on that guarantee I left my funds on deposit and make significant additional deposits. Prior to each deposit on the dates specified I verified by phone and in person directly with XXXX XXXX, Fifth Thirds agent, that the fixed rate was a non-variable guaranteed 5.3 %. He further warranted he would contact me if the rate were to decrease in the future. 

On XXXX, when I received my account statement it showed the guarantees Fifth Third had extended to me were a fraudulent misrepresentation. To minimize the damages, I contacted XXXX XXXX informing him of the situation and that I was headed to his office to immediately withdraw the funds. Which I did. 

The payment they offered was for a further, wider fraud. They appear to have under paid an entire class of customers who expected they were to receive 5.3 % for a specified time in a promotional money market but were in fact paid a lesser rate. 

Fifth Third has basically admitted this in this paragraph of their response and causes me to wonder if the entire class of customers who responded to the promotion and deposited funds were similarly underpaid. The response : " Please note that the initial promotion expired effective XX/XX/XXXX. Our records indicate your promotion was extended until XX/XX/XXXX. Regretfully, further research shows, the promotional rate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. On XX/XX/XXXX, a check in the amount of {$31.00} was mailed to the address above to correct the interest earned between the dates of XX/XX/XXXX, and XX/XX/XXXX " My complaint is less broad and focused on the repeated misrepresentations by phone, in person and by other forms of communication from the period that follows and extends to XXXX. 

Fifth Third Bank fraudulently warranted to me a fixed rate of return to entice me to leave my funds in the money market account I had opened and to make additional deposits into it. The guaranteed rate was not paid. I want to be made whole.

Company response to consumer: Closed with explanation