vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CT

Complaint narrative:
I have been trying to refinance my mortgage since XX/XX/year> but I was seeking a mortgage assumption for which I was constantly denied. However this should be reconsidered under the GarnSt Germain Act. My ex-husband and I co-owned this property, and our XXXX  divorce agreement states I'm responsible for refinancing it to remove his name from the mortgage. I successfully completed this process for our XXXX  property, which unfortunately resulted in my mortgage payment increasing by over {$500.00} a month. 

Despite my efforts over the past two years to validate the divorce in XXXX XXXX, which was finalized in XXXX, I've faced significant refinancing challenges. Given current interest rates and closing costs, along with the need for a cash-out option, my monthly payments would more than double, making the property unaffordable. To boot now my ex is taking me to court over contempt, for failure to refinance. But I was at the mercy of XXXX XXXX courts to get this done and it took 2 years. 

For the past three years, I've solely and consistently made all mortgage payments on time. While my ex-husband 's name has been successfully removed from the property 's title, deed, and tax records, his name remains on the original mortgage note and security instrument. 

I understand that removing a borrower from a note can be complex. However, I'm seeking clarification on the possibility of assuming the existing mortgage in my name only, given my consistent payment history and full ownership of the property. This would allow me to retain my home and continue as a loyal Sun West Mortgage customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: LA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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.

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 2025-06-10 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: LA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
-Goldman Sachs ' Marcus CD -renews automatically -i was sent 1 email 30 days prior to renewal - clearly anyone understand how easy it is to miss a SINGLE email.

-12 days later there is an email " Let 's celebrate your CD 's renewal! '' -there is a 10 day grace period which this email was sent outside of, which feels HIGHLY predatory.

-i called 2x and chatted online once, and there is nothing that can be done now that the grace period is over.

-there is now a {$150.00} fee to exit the account.

-clearly they want me trapped in this CD and to pay a fee to exit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
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. 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed a {$780.00} collection reported by XXXX XXXX XXXX ( XXXX ) with Equifax and TransUnion. This debt is not validated, and I have not received any communication proving its accuracy or my responsibility for the debt. There was no contract provided, no chain of title, and no proof of account ownership. Furthermore, I never received a proper debt validation notice within the required timeframe under the Fair Debt Collection Practices Act. 

The company failed to validate the information, yet it continues to report this unverifiable item to multiple credit bureaus, harming my credit and ability to rebuild my financial profile. The reporting of this item without validation is a violation of both FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-06-10 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: CA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is currently reporting an outdated and inaccurate previous address on my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, with a reported date of XX/XX/year>. I am disputing the continued presence of this address as it is no longer relevant and has no valid connection to my current financial or residency status. 

I want to clearly state that my current and only valid residential address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The reporting of the New Jersey address is misleading, outdated, and may result in further inaccuracies being associated with my credit file, such as incorrect account linkages, identity confusion, or cross-reporting with unrelated or obsolete data.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation of any disputed information within 30 days. Moreover, 15 U.S.C. 1681i ( a ) ( 5 ) mandates that any data found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. The continued presence of incorrect personal identifying information violates my rights as a consumer and undermines the accuracy and fairness that the FCRA was designed to uphold.

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 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I am filing a complaint against JPMorgan Chase Bank for mishandling my fraud dispute under the Electronic Fund Transfer Act ( EFTA ). 
I reported 9 unauthorized transactions through a money transfer app ( XXXX ) totaling {$2300.00}. Chase issued provisional credit for the full amount but later reversed all but {$510.00}, without giving me a timely explanation or providing any documentation. 
Chase claims XXXX disputed the refund, but under Regulation E ( 12 CFR 1005.11 ), Chase is required to investigate the fraud from my Chase debit cardnot rely solely on XXXX. I visited the branch and requested documents or a copy of the dispute decision ; they refused and said a letter was " in the mail '' but could not provide one.

I am now overdrawn and suffering financial and emotional harm. Chase is in violation of 12 CFR 1005.11 ( c ) ( 1 ), ( c ) ( 2 ), and ( d ). I am seeking full reimbursement of {$1800.00} and regulatory enforcement for failure to comply with federal consumer protection

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a debt that has been reported by KICKOFF LENDING, LLC and assert that it is inaccurate, not mine, and the result of identity theft. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to dispute this debt and request a thorough investigation. I did not authorize or initiate the account or transaction in question. Based on my review, this account may have already been charged off or resolved in some manner, and its continued reporting as of XX/XX/year> in the amount of {$120.00}. The collection efforts are erroneous and damaging.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-10 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: OK

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

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 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: LA

Complaint narrative:
I am writing to formally dispute, the validation, and the ownership of the debt in question because under fair deck collection practice act I have the right to request validation of the debt that you claim that I owe your company because I do not acknowledge ownership of this debt and request that you provide the following number one proof that I am legally obligated to pay this debt including a copy of the original signed agreement or contract that I have with your company, documentation showing a clear chain of title including when and how the original debt was assigned or transferred to your agency, also I request validation of your Authority to collect on this debt in my state of Louisiana so until you provide documentation and validation I requested all collection activities cease including any credit reporting and that no further contact be made except in providing the validation and documentation that I am legally entitled to and if you continue to report this debt to all three credit bureaus without proper validation it will be considered a violation of the FDCPA and I would not hesitate to file a complaint with the consumer financial protection bureau and my state Attorney Generals office

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: OH

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 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, OH XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$4500.00}

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 2025-06-10 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist 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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Torriere Holdings INC
State: IL

Complaint narrative:
I was called by XXXX Representative XXXX. He informed me of the intent of his call and where the debt originated. He then asked me if I could pay {$100.00} biweekly for a payment plan. I informed him I could not. He then offered {$75.00} biweekly and I informed him I needed to look at my budget first before committing to this plan. He then said ok, {$50.00} biweekly is as low as he can go. I told him again let me look at my budget when I end my workday and I'll contact XXXX back. XXXX then replied I'm not dealing with reality and why don't I want to pay back this debt. I then told XXXX I did not say I do not want to pay my debt nor am I avoiding reality. I asked if I can look at my budget and get back to him this evening. XXXX replied {$25.00} biweekly, can't you pay that on a debt you created. XXXX stated if i dont take this chance to enroll in payment plan now, i will face being sued or garnishment. At this point of the conversation we're both talking at the same time. I aske to speak to his manager and he placed me on a hold then eventually hung up.

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