vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I am writing to file a complaint regarding XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), a XXXX XXXX entity that has been originating and enforcing mortgage loans in XXXX  for XXXX without proper state licensing or registration, in violation of XXXX  law XXXX 

Please note : This complaint is related to existing cases XXXX filed by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Managing Attorney ( XXXX ) XXXX XXXX www.martinezlawfla.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX regarding XXXX  unlicensed mortgage lending and enforcement activities in XXXX, and I request that this complaint be reviewed in connection with that matter. 

XXXX was found by a XXXX  court in XXXX  to be unregistered with the state XXXX  and de-registered, agreeing to stop conducting business in the state. However, they continued to originate and enforce loans without licensing or registration, issued and enforced hundreds of illegal loans on residential properties, and threatened and foreclosed despite lacking legal authority- using coercive lending practices. Additionally, XXXX XXXX, associated with XXXX, has been writing and servicing mortgage loans in XXXX  without being a licensed Mortgage Loan Originator or attorney, violating XXXX  Statute XXXX and further invalidating these loans. They have set up an intentional scheme to defraud XXXX citizens including operating multiple unlicensed/unregistered offshore companies to avoid state and federal regulations, oversights, and taxes by falsely claiming portfolio and commercial exemptions. 

I request that your office investigate these violations and take appropriate action to prevent XXXX from continuing unlawful operations in XXXX. 

Please let me know if you require additional information or documentation regarding my experience with XXXX. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have had this Chase XXXX XXXX card since XX/XX/year>. I paid {$95.00} for it. After I reached the signup bonus I did not receive my XXXX points nor the points for using the card. I made phone calls on at least a weekly basis for 2 months before I had to file a complaint and then I was given my points and told the problem was fixed. Since then I use the card a few times and the points have not been awarded to my XXXX account. I tried calling again to get it fixed and as expected it was useless. I'm currently owed XXXX points. I do not care about the points but I would like to cancel the card and get a refund of the XXXX XXXX yearly fee since I can't use the card and get the points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX : XXXX XXXX : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXXXXXX Balance {$1400.00}, XXXX XXXX XXXX Balance {$280.00}, XXXX XXXX XXXX Balance {$2900.00}

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 2025-07-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-07-14 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: NC

Complaint narrative:
I, XXXX XXXX, Equifax Data Breach Victim, hereby declare under penalty of perjury that the following statements are true and correct. I am a documented victim of identity theft as defined under the applicable provisions of the North Carolina Identity Theft Statute and Consumer Protection laws. My confidential personal information has been irreversibly compromised.

Despite this victimization, your agency has knowingly permitted unauthorized access to, and the ongoing maintenance of, false, derogatory, and unverified information on my credit file. Your actions are in direct violation of several federal statutes, including : a. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. ; b. The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ; and c. The Electronic Signatures in Global and National Commerce ( ESIGN ) Act, 15 U.S.C . 7001. 
Frivolous Illegal Tradelines are Furnisher : Dept of Education : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} : Open Date : XX/XX/XXXX ( Outdated ) Furnisher : Dept of Education : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$3900.00} : Open Date : XX/XX/XXXX ( Outdated ) Furnisher : XXXX XXXX XXXX XXXX XXXXXXXX : Balance : {$15000.00} : Open Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Balance : {$1600.00} : Open Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX XXXX XXXX : Balance : {$760.00} : Open Date : XX/XX/XXXX Furnisher : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4100.00} : Open Date : XX/XX/XXXX Furnisher : XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Balance : {$1800.00} : Open Date : XX/XX/XXXX Problem : Identity theft through unauthorized account creation and 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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-07-14 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: SC

Complaint narrative:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX and the reporting credit bureau for their willful violation of federal law regarding the reporting of a charged-off account with an incorrect balance. 

The account in question has been charged off and closed ; however, the creditor continues to report an outstanding balance, which is inaccurate and misleading. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2, which requires furnishers to report only complete and accurate information.

Furthermore, under IRS Code 6050P, any cancellation of indebtedness over {$600.00} requires the issuer to file and provide a Form 1099-C. If the debt has been canceled, reporting a balance is not only misleading but could constitute double reporting, which is deceptive and unlawful.

I have disputed this with the credit reporting agency and the furnisher, and no valid correction has been made. Therefore, I am demanding : The immediate deletion of this account from all credit reporting databases, Production of a 1099-C, if the debt was forgiven or canceled, or Full compliance with federal reporting standards or I will pursue legal action for the violation of my consumer rights. 

Failure to act appropriately will result in me seeking counsel to sue for damages under FCRA 1681n and 1681o. 

Please investigate this complaint and ensure my rights as a consumer are upheld. 

Sincerely, 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 2025-07-14 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: FL

Complaint narrative:
I am filing this formal complaint against XXXX XXXX XXXX and the reporting credit bureau for their willful violation of federal law regarding the reporting of a charged-off account with an incorrect balance. 

The account in question has been charged off and closed ; however, the creditor continues to report an outstanding balance, which is inaccurate and misleading. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2, which requires furnishers to report only complete and accurate information.

Furthermore, under IRS Code 6050P, any cancellation of indebtedness over {$600.00} requires the issuer to file and provide a Form 1099-C. If the debt has been canceled, reporting a balance is not only misleading but could constitute double reporting, which is deceptive and unlawful.

I have disputed this with the credit reporting agency and the furnisher, and no valid correction has been made. Therefore, I am demanding : The immediate deletion of this account from all credit reporting databases, Production of a 1099-C, if the debt was forgiven or canceled, or Full compliance with federal reporting standards or I will pursue legal action for the violation of my consumer rights. 

Failure to act appropriately will result in me seeking counsel to sue for damages under FCRA 1681n and 1681o. 

Please investigate this complaint and ensure my rights as a consumer are upheld. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: MD

Complaint narrative:
I have previously disputed Experian, XXXX XXXX XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I am filing this complaint to request a goodwill adjustment on my Apple Card account, issued by Goldman Sachs, related to a single late payment reported in XX/XX/year>. 

I previously submitted a dispute because I was unsure why the payment did not go through. After further investigation, I realized that the late payment was due to my recent switch from an iPhone to an Android phone. This switch removed my access to the Apple Card features in the Wallet app, and billing emails were routed to my spam folder, causing me to miss payment reminders.

I have always maintained a strong payment history with no previous late payments. Once I became aware of the issue, I promptly paid the balance and have kept the account current.

I contacted Apple Card support and escalated my request for a goodwill adjustment, but was told that Goldman Sachs has a strict policy against goodwill adjustments, even in exceptional cases.

I am not disputing the accuracy of the late payment but respectfully request that Goldman Sachs consider removing the XX/XX/year> late payment as a one-time goodwill gesture given my otherwise excellent payment history and the unusual circumstances. 

Thank you for your attention to this matter and for facilitating this review through the CFPB process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services, 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 XXXXXXXX XXXX XXXXXXXX CA XXXX INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX 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 2025-07-14 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
There are two bank accounts that i did not authorize. I want these accounts removed from my consumer report with chexsystems as they are stopping me from getting a bank 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 2025-07-14 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: CBC Companies, Inc.
State: FL

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 explanation
Consumer complaint received 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 


FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation