vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Sir/Madam, Unfortunately I am a XXXX XXXX customer and I made zelle transaction into my brothers account, my account was put under hold. This is a joint account with my wife. Citi Bank asked me to verify the transaction. I did verify the transaction. I called Citi Bank and told them it was me who was trying to make this transaction. My account was unlocked for a few hours but after a few hours my account was locked permanently. I called Citi Bank again but nobody is listening to me. All they are saying its under review. Review for what? I made those transactions I am acknowledging that. All my savings and daily usage money is in this account. I am a daily wages person and I dont have money for groceries gas and to pay insurance. My whole world has crumbled. I cant do anything and cant make transactions for spending. Citi bank customer service is simply disgusting rude and unprofessional. Please let me know what documents you need to solve this case. Thanks

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 2025-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I have an FHA-insured mortgage originally originated by Quicken Loans and now serviced by Rocket Mortgage XXXX In Fall XXXX, I was granted a 3-month forbearance due to Hurricane Helene, a government-declared natural disaster. I followed all instructions and waited for contact about repayment options, but I did not hear back for nearly 56 months despite multiple follow-up attempts. 

In XX/XX/XXXX, I was placed on a trial loan modification with higher payments. I was told I would be contacted before the trial ended to review final terms. That never happened. Instead, in XXXX, a notary contacted me to sign documents I had never seen or discussed. When I reviewed the paperwork in my online account, I discovered that my interest rate would be increased from below 4 % to nearly 8 % with no prior disclosure, negotiation, or written explanation. 

When I called Rocket Mortgage, I was told there were no other options, and that FHA decided everything. I was also told Rocket Mortgage just services the loan. This is misleading. As the servicer of an FHA loan, they are required to comply with HUD loss mitigation guidelines and borrower protections. 

This appears to violate the Real Estate Settlement Procedures Act ( RESPA ), including : Failure to provide timely and accurate communication Improper servicing and borrower coercion Lack of transparency regarding material loan term changes I have not signed the modification documents. I have already submitted a complaint to HUD and am asking for CFPB to investigate how Rocket Mortgage has handled this FHA-insured loan. 

It is unacceptable to expect a borrower recovering from a federally declared natural disaster to sign a modification that more than doubles their interest rate. This feels like punishment, not assistance. I am requesting a fair resolution that aligns with FHA hardship guidelines and protects my right to clear, honest servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: OH

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 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 2025-07-18 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: PR

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days.

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX - XXXX Additionally, 15 U.S.C. 1681b, which states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. 

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted Equifax on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
The following unauthorized hard inquiries are fraudulent and must be permanently removed : - XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company - XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company - XXXX XXXX XXXX  XX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company - XXXX XXXX XXXX XXXX - XX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company - Unauthorized hard inquiry ; I did not apply for credit with this company - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company - XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company - XXXX XXXX XXXX - XX/XX/XXXX - Unauthorized hard inquiry ; I did not apply for credit with this company - XXXX XXXX XXXX XXXX - Repeated/Unauthorized hard inquiry ; I did not apply for credit with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The company has my first name incorrect. I submitted my driver license as prove to correct name but they closed the dispute without making any changes. 
They also have listed two addresses where I never lived. I requested this information to be removed and provided my driver license that shows my current address. They once again closed the disputes without making any changes. 
Equifax has no interest in helping consumers. They ask you to dispute incorrect information and provide proof. I provided the what they requested but in the end they just close all disputes with no proper resolution. They post online a generic letter with no explanation of what they did or what was change or what is this letter about. If they mail a letter, I will never receive it because they are sending to the wrong address. An address where I have never lived. The address they refused to change from my dispute. 

Also, submitting a complaint on CFPB is no guarantee Equifax will fix anything. They will ignored this complaint and do nothing. I had already tried this here with other issues with Equifax. The complaint will be close after certain period of time by CFPB with no results from Equifax. 

I am frustrated with Equifax for not helping solve issues. They should learn from XXXX and XXXX which were very helpful correcting the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I was the victim of a imposter scamrelated to a XXXX transaction made from my Charles Schwab account on XX/XX/2025, in the amount of {$1400.00}. 

I received a text message from someone impersonating my son, stating he was in urgent need of money. Believing the situation was real, I initiated a XXXX payment to assist him only to later discover it was a scam. I authorized the transaction under false pretenses and deception. 

I filed the report with Charles Schwab at the same day on XX/XX/2025. 

On XX/XX/2025,, I received an email from Charles Schwab staying the case is closed ( XXXX Dispute Case # XXXX ). They are not able to recover the fund requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
Sent a letter to them asking for Recent account statements showing the debt amount and activity. 
A copy of the original signed contract or credit agreement. 
Documentation showing how the debt was transferred from the original creditor to the current debt collector. 
A detailed history of payments and charges. 
The final account statement when the original creditor charged off the debt. 
The name and address of the original creditor. 
The original account number. 
The date of last payment. 
The total amount owed and how it was calculated. 
Proof that the debt collector has the right to collect the debt. 
I have not received all of the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: CO

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 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 2025-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
While reviewing my XX/XX/XXXXCredit Report, I discovered a Credit Card account listed for Capital One Bank. I did not open or authorize any accounts with Capital One Bank. The account number is ( XXXX ), and the balance listed is {$1300.00}. The date shows XX/XX/2025. The status is showing charged off. I have reported this account as not mine. I am not legally responsible for this credit card account. XX/XX/XXXXwill not reinvestigate the matter. No documentation has been provided to show proof of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: DC

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion 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 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 2025-07-18 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: DC

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion 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 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 2025-07-18 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: AL

Complaint narrative:
XXXX XXXX bank Closed on XX/XX/XXXX Never fully opened due to me not completing the verification process so I requested closure. I asked the agent that once it closed I will not be responsible for any balance due to me not activating the account she stated yes. XX/XX/XXXX I received a false late payment on all 3 credit reports due to this error. I have called repeatedly for them to take this off. I also put in disputes with the bureaus and XXXX XXXX bank told them the information was correct inwhich it is not. They finally tell me that it will be taken off but I have to wait months for this process inwhich that is not lawfully true. I asked for letters of removal of late payment and XXXX balance and they have yet to send both to me. I also RECORDEDED the calls for my prove that they have FALSELY placed this information on my credit report as the account was never activated and was never late. Please assist to get this off as I am in the process of buying property and this is hindering that process. It must be removed from all 3 bureaus

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 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Subject : Request for Debt Validation American Express - Account # XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing in response to the reporting of an alleged debt on my credit report ( XXXX XXXX XXXX ). Pursuant to the Fair Debt Collection Practices Act ( 15 USC 1692g ), I request full validation of this debt, including : 1. Proof that you have the legal right to collect this debt.

2. A full accounting of the amount claimed.

3. The name and address of the original creditor.

4. A complete chain of assignment/ownership from the original creditor to your company.

Until this information is provided, please cease all collection activities and do not report invalidated information to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to request verification of the debt referenced above, which you claim I owe. This is not a refusal to pay but a request for information regarding your claim. I assert my right to a written validation of this debt under the laws set forth in the Fair Debt Collection Practices Act. 

Please provide the following : 1. Verification and validity of the debt, including the amount owed and calculations to substantiate the sum, as well as a breakdown of any fees, interest, or other costs added.

2. A copy of the original signed agreement or instrument that states I agreed to pay the creditor.

3. Verification that your agency is legally permitted to collect this particular debt in my state, including licensing information.

4. The name and address of the original creditor.

5. Details of the last payment made on this account, showing any transactions related to this account.

Please note that I request all future communication regarding this matter be conducted in writing.

If you can not provide the requested information, I expect the collection attempt to be ceased and for this account to be removed from my credit report with any bureau to which you may have reported. 

While you are verifying this debt, I would appreciate your cooperation by halting any future collection activities. In accordance with my rights, please provide the requested documentation to help me better understand and validate your claim. 

Thank you for your prompt attention to 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