vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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:
Dispute Regarding Fraudulent Accounts and Inquiries I am writing to formally dispute several fraudulent accounts and inquiries listed on my credit report due to identity theft. This correspondence is in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), which allows consumers to request the blocking of information resulting from identity theft. Attached to this letter is my identity theft report, which confirms that the accounts and inquiries listed below were not authorized by me : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX inquiry date XXXX. XXXX inquiry date XXXXXXXX XXXX XXXX inquiry date XXXXXXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXX. XXXX inquiry date XXXX. XXXX XXXX inquiry date XXXXXXXX XXXX IMP inquiry date XXXX. XXXX XXXX inquiry date XXXX. REPUBLIC inquiry date 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 2025-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
My XXXX XXXX of XXXX years passed away XX/XX/year> and shortly after that I started the assumption process with Chase Bank. At first, they declined me and said I was not legitimately a domestic partner and declined my assumption. I had to hire a lawyer for {$10000.00} to have them ( my lawyer ) send in a letter to Chase on my behalf to explain the law to them that I was indeed a domestic partner. Chase said OK finally after many back and forth calls etc, and they said they would let me start the assumption process. Now, at least a year and half later they continue to ask me for the same documents over and over again, run my credit multiple times, appraise the house XXXX times and still today, I just received a new letter asking for all of the same things. My loan is at a 2.9 % rate on a $ XXXX loan so I get that they do not want me to be able to assume it. They want to make me crash and burn and give up, that's not going to happen. They want me to have to renew at XXXX %, which I am sure that process would only take Chase 30 days! 
My name is on the title. My name is not on the loan but it is on the TITLE and I have been paying the bills, property taxes, home owners insurance, XXXX fees for the last XXXX years. 
I need help dealing with this awful company. 
Dates : XXXX dies XXXX Hired a XXXX in XXXX Started really heavily dealing with Chase in XX/XX/year>. 
Started submitting documents online to Chase in XX/XX/year>. 
Every 45 days or so I get a request to send in the same documents. 
Multiple documents mailed, emailed, uploaded to their portal since XX/XX/year>. 
Recieved a call today from Chase stating they need more documents, same documents they have requested numerous times. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MN

Complaint narrative:
I am writing to file a formal complaint regarding the unfair debt collection practices I have experienced. Despite numerous attempts to resolve this matter, the agency has engaged in unethical and harassing behavior, which has caused significant distress and inconvenience. Complaint Description : XXXX. Harassment and Intimidation : The representatives have repeatedly contacted me using aggressive and harassing tactics, including frequent phone calls at all hours of the day, threats of legal action, and abusive language. These actions have caused me considerable stress and anxiety. XXXX. Failure to Provide Verification of Debt : Despite my requests for verification of the debt, they have failed to provide adequate documentation to validate the legitimacy of the debt in question. I have not received any proof of the alleged debt, such as a detailed account statement or contract. XXXX. Violation of Fair Debt Collection Practices Act ( FDCPA ) : The actions violate several provisions of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : Contacting me at inconvenient times or places Using abusive or harassing language Failing to provide verification of the debt upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
on XX/XX/year> I mobile deposited a check from XXXX XXXX XXXXXXXX, Issued by XXXX XXXX for the amount of {$3400.00} to Sofi bank. The next day my account was restricted for unusual activity. When I called customer service they were unable to tell me what the unusual activity is, or what I can do to fix it. I filed a complaint with customer service and requested a call from the account reviewal team, which i never received. The check that was mobile deposited has cleared and is sitting is my bank account. Subsequent calls to customer service have all yielded the same results and I am at a loss as to how I can receive access to my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-09-11 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: NV

Complaint narrative:
Dear CFPB, I am filing this complaint because the nationwide consumer reporting agencies ( Experian, TransUnion, and Equifax ) have failed to delete or correct inaccurate and/or unverifiable information on my credit reports despite several dispute letters I sent via Certified Mail with proper identification and documentation. Their responses relied on cursory verifications, did not provide the required Method of Verification, and did not address the specific reporting and Metro 2 compliance defects I identified. 
Accounts in Dispute ( appearing on my reports )

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 2025-09-11 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: GA

Complaint narrative:
b"Name XXXX XXXX Social Security Number:  XXXX, Date of Birth: XXXX, Contents of Complaint: This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that you, Experian reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened Capital one banking  on XXXX under the account number XXXX XXXX XXXX XXXX, This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account, collection, or hard inquiries as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. the aforementioned account, 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 the aforementioned consumer credit account is the result of identity theft and fraud."

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-11 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: Experian Information Solutions Inc.
State: OK

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 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 2025-09-11 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: U.S. BANCORP
State: MO

Complaint narrative:
I have already disputed this matter with the credit reporting agencies multiple times, yet this inquiry continues to remain on my credit file. Under the Fair Credit Reporting Act ( FCRA ), an inquiry may only be placed with my express written consent or in connection with a permissible purpose. Since no such authorization exists, your continued reporting of this inquiry is a violation of 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 2025-09-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$92.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} TAB/SUNBIT - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
Dear To Whom It May Concern, I am writing regarding the above-mentioned account, which I understand has been charged off and is now listed as such on my credit report.

I would like to formally request the following information : 1. Verification of the debt, including the full amount owed, date of last payment, and the date it was charged off.

2. Confirmation of the current owner of the debt, including contact information if the debt has been sold or assigned to a collection agency.

3. Details of any settlement options, should you be willing to negotiate payment to resolve this matter.

My intention is to resolve this debt in a way that works for both parties. If a settlement is possible, I kindly request that you provide written confirmation that, upon receipt of the agreed payment, the account will be reported as Paid in Full or Settled Account Closed on my credit reports. 

Additionally, I would appreciate if you would consider removing the negative listing from my credit report upon settlement as a gesture of goodwill. 

Please respond in writing so I have a complete and accurate record of our communication. I am committed to resolving this issue promptly and appreciate your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: MI

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 XXXX XXXX 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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
LVNV funding llc is reporting a collection that was paid to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-11 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-11 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: NY

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$3200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation