vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-05-21 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: PR

Complaint narrative:
Experian failed to block identity theft account within 4 days as required by FCRA despite valid FTC Identity Theft Report On XX/XX/year>, I submitted a formal identity theft dispute to Experian, including : A valid FTC Identity Theft Report ( # XXXX ) A copy of my government-issued ID and Social Security card Proof of address My 2025 IRS-issued IP PIN letter Evidence showing my data was included in the XXXX  data breach Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, Experian was required to block the fraudulent account within XXXX business days of receiving my dispute and supporting documentation. 

Instead, Experian opened an investigation but failed to block the account, in violation of its legal obligation to block identity theft-related information upon receipt of a valid FTC report XXXX To this day, Experian is still reporting the following fraudulent account : XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By continuing to report this item after receiving all required documentation, Experian is now in willful noncompliance with the FCRA and liable for statutory damages under 15 U.S.C. 1681n & 1681o. 

This violation is harming me financially and emotionally. Ive been denied credit and am suffering from unnecessary stress due to Experians failure to follow the law.

I request the CFPB immediately investigate this matter and compel Experian to : 1. Block and permanently delete the above-listed identity theft account 2. Provide me with a corrected and updated credit report 3. Issue a written confirmation of the deletion If this issue is not resolved within XXXX calendar days, I am fully prepared to pursue legal action for willful and negligent violations of my rights.

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 2025-05-21 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: NY

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I have recently been informed that there is negative information reported by XXXX XXXX, which you maintain under my Social Security number. Upon reviewing a copy of my credit report, I saw this account violated my right by reporting a debt prior to speaking to the customer in-person or by phone. 

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality and violated XXXX XXXX XXXX under XXXX XXXX XXXX. 
- Collection XXXX Please note that you have XXXX  days to complete this investigation, as per the Fair Credit Reporting Act - Section XXXX ( a ) ( XXXX ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase has discriminated against me & treated me unfairly. 

Chase unfairly cancelled my payment plan with its third-party collection agency XXXX 

I received WRITTEN correspondence from XXXX of a payment plan good through the year XXXX. 

The payment plan with XXXX worked really well with my budget as it was {$62.00} per month. 

I made my first payment with XXXX on XX/XX/XXXX. 

Without notice, Chase unethically cancelled my payment plan with XXXX that same month, XX/XX/XXXX. 

I logged into my XXXX dashboard to make another payment for my payment plan. An error message displayed that my account was not active with XXXX. 

I called XXXX, and the employees said they did not know why Chase removed the account from XXXX. 

Chase unfairly placed a fraud review on the account. 

After the review finished, Chase deceitfully sent the account to a different collection agency called XXXX. 

This is discrimination. As I stated before, I received written confirmation from XXXX  that my payment plan is good through XXXX. 

Sending the account to XXXX was a clear violation of my rights. 

I am a young person experiencing financial hardship. The way Chase has treated me is completely reprehensible. 

The only thing that would fix this is for Chase to send the collection account to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Back on XX/XX/year> I saw a purchase on my apple card for a XXXX XXXX ticket for {$150.00}. I immediately contacted customer service to let them know that somebody got my information and made a charge on my account that was not authorized by me. I was reassured that everything would be ok and they will investigate it. I received a new card number immediately and changed my passwords as recommended by them. Then on XX/XX/year> and XX/XX/year> I saw that someone had been going online and trying to make purchases with my card information. I contacted apple card right away, and they told me not to worry that whoever was trying to make online purchases were doing it with the old card number that had been closed. After a few months I received an email stating that they didn't have enough evidence and declined my dispute. I immediately contacted them again and they didn't have any information on the specifics. I reiterated to them that I did not make this charge and you can even see that someone tried to make purchases after the card had been shut down. This is the fourth time now that I have had to call in about this fraudulent purchase that I did not authorize. I did everything that I thought was correct and contacted them immediately when I saw the initial charge and even when someone tried to keep using the card after it had been closed. I believe that the fraud department is not listening to me and taking the time to really look at everything involved. I have had an account with them for years now, and have always payed my bills early and have never had any issues like this with any of my credit cards. I keep disputing this fraudulent charge and they keep declining it. I don't know what else I can do about this, but I'm very frustrated that they want me to pay this charge that I did not even make. Everyone on the phone and text have been very nice and apologetic and say everything will be ok, and then they send me emails that my dispute is declined. I honestly just don't know what else I can do, this has been a nightmare for me since XXXX of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-21 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: VA

Complaint narrative:
I discovered that Equifax, TransUnion, and Experian have created or are maintaining credit and personal data files under a derivative or variation of my legal name, matched to my date of birth and other personal identifiers, without my knowledge, consent, or authorization.

I am a private individual and to my knowledge have never submitted, signed, or authorized a Standard Form 89 ( SF-89 ) or any equivalent document that would allow for the generation of a credit file or government employment/clearance history.

I became aware of this issue after reviewing public records and discovering data linked to my identity that I had no involvement in creating or approving. I did not initiate any transactions, applications, or agreements that would justify the creation or maintenance of these credit files. 

I have not been notified or given an opportunity to verify or contest the creation of these files, nor have I received any written authorization requests from the data furnishers. 

These files pose a serious risk to my privacy, creditworthiness, and personal security, and I believe this constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other federal privacy protections.

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 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have an unfamiliar inquieries report. I contacted the bank, and they have no information about me in their database. thats why im filing this report so I can clear this error from my credit. 

THIS IS WHY I DEMAND THIS BE REMOVED FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

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 2025-05-21 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:
I am writing to formally file a complaint regarding unauthorized credit inquiries that have appeared on my credit report. Upon reviewing my credit file from Experian, Transunion XXXX Equifax. I discovered several hard inquiries that I did not initiate or authorize. 

The following inquiries are of concern : XXXX Date of Inquiry : XX/XX/year> XXXX Financial Date of Inquiry : XX/XX/year> XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX Financial Date of Inquiry : XX/XX/scrub>XXXX XXXX  Date of Inquiry XXXX XX/XX/year> I have never applied for credit with these companies, nor have I given them permission to access my credit information. These unauthorized inquiries are negatively affecting my credit score and raise concerns about potential identity theft. 

I have attempted to contact the credit bureaus and the listed companies to dispute these inquiries, but have not received a satisfactory resolution. I am now requesting the CFPBs assistance in investigating this matter and ensuring that these unauthorized inquiries are removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am filing this report to state that I am the victim of identity theft. I discovered that an account was fraudulently opened in my name without my knowledge or consent. I did not allow any one to furnish my information nor do I have ties to California in. Wish this issue resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: EQUIFAX, INC.
State: RI

Complaint narrative:
On XX/XX/year> I looked at my credit report and I noticed some inaccuracies. I submitted a letter requesting Equifax to investigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They sent me their investigation and said they were accurate. And according to 15 USC 1681 ( 5 ) It states after my investigation under paragraph ( 1 ) of any information disputed by a consumer in item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureau did not reinvestigate and violated my rights. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: MD

Complaint narrative:
FORMAL CFPB COMPLAINT : DEMAND FOR WET SIGNATURE VALIDATION AND REMOVAL OF UNAUTHORIZED INQUIRY [ Your Full Legal Name ] [ Your Current Address ] [ City, State, ZIP Code ] [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX Subject : Demand for Wet Signature Validation & Immediate Removal of Unauthorized Inquiry XXXX XXXX XXXX ( XX/XX/year> ) Dear CFPB, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, to dispute an unauthorized hard inquiry made by XXXX XXXX XXXX on XX/XX/year>, which appears on my credit reports from Equifax, Experian, and TransUnion. 

Legal Basis for Removal : FCRA 1681b ( a ) ( 3 ) ( A ) Creditors must have permissible purpose and written authorization ( wet signature ) before accessing a consumers credit report.

FCRA 1681i Credit bureaus must investigate and remove inaccurate or unverified information within 30 days.

Regulation B ( ECOA, 12 CFR 1002.9 ) Requires signed, written applications for credit.

Unauthorized Inquiry Details : Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/year> Status : No signed authorization exists I never applied for credit with this entity. 

Requested Actions : XXXX XXXX XXXX  must provide proof of my wet signature authorizing this inquiry. 

Immediate deletion of this inquiry from all three credit bureaus if no valid signature is provided. 

Written confirmation from Equifax, Experian, and TransUnion once removed. 

Investigation into FCRA violations by the creditor for unauthorized access. 

Supporting Evidence : I never signed any application or consent form from XXXX XXXX XXXX. 

This inquiry may indicate identity theft or unlawful credit pull.

Attached : Government-issued ID and proof of current address.

Failure to validate my signature within 30 days requires deletion under FCRA 1681i.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion is reporting XXXX collection accounts on my credit report that are inaccurate and require immediate attention. The first is XXXX with an account number ending in XXXX, dated XX/XX/XXXX, showing a balance of {$0.00}. The second is XXXX with a recent reported balance of {$140.00} as of XX/XX/XXXX. These accounts are either inaccurately reported or contain information that can not be verified. The presence of such questionable entries significantly impacts my credit profile and financial standing. Given the prevalence of data breaches and errors within credit reporting, it is plausible that these inaccuracies stem from improper data management or unauthorized access rather than legitimate debt. 

The reporting of unverified or incorrect debt without proper verification violates the XXXX XXXX XXXX Acts requirement for accurate and complete information. These accounts must be thoroughly reinvestigated to ensure that the information is truthful, complete, and accurately linked to my identity. The continued reporting of these disputed accounts causes unwarranted financial stress and may limit my access to credit or favorable financial terms.

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 2025-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I did a request for transfer of funds from my checking at Frost Bank to an account at XXXX XXXX XXXXXXXX. I received an email from a roofing company that is replacing my roof, requesting a down payment of {$3600.00}. The email came from my rep at the roofing company and had a document attached with the XXXX information. I made the transfer but was later informed by the roofing company ( XXXX XXXX ) that they don't bank at XXXX XXXX XXXXXXXX and that the email did not come from them. But it ends up that their email system had been hacked and someone had been monitoring the email exchange between myself and the company 's rep. I immediately contact Frost Bank and put in the reverse transfer request, then went to a XXXX XXXX XXXXXXXX XXXX and reported the incident to their fraud department. They saw where the money was transferred into the account but was immediately withdrawn. I also filed reports with the police and the FBI. But to date, nothing has been done to help with the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LoanCare, LLC
State: FL

Complaint narrative:
Mortgage Servicing, Assignment, and Escrow Mismanagement LoanCare XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint regarding mortgage servicing confusion, lack of proper assignment, and escrow discrepancies concerning my property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I closed on this property on XX/XX/XXXX, with XXXX XXXX XXXX. Shortly afterward, I was informed that the loan was transferred to XXXX XXXX XXXX, with LoanCare as the servicer. However : Key Issues : No Recorded Assignment There is no public record reflecting any assignment from XXXX XXXX XXXX to XXXX or LoanCare, even though they claim to be the current servicer. This lack of transparency violates the RESPA requirement for proper notice and documentation of servicing transfers. 

Tax Authority Conflict The XXXX XXXX XXXX XXXX Collector shows LoanCare/CoreLogic as the escrow agent, yet the Clerk of Court and Property Appraiser records still reflect XXXX XXXX XXXX as the mortgage holder. No evidence has been provided of a legal servicing transfer. 

Escrow & Appraisal Discrepancies I requested all tax-year data ( XXXX ), appraisals, and escrow activity from public officials. Multiple parties stated no such records exist, yet escrow payments were made by CoreLogic/LoanCare for XXXX. No appraisal from XXXX or XXXX was provided, despite Florida law requiring annual mass appraisals. 

Insurance Mismatch XXXX XXXX XXXX remains listed on my homeowners insurance through XXXX, contradicting claims that LoanCare is now the mortgage holder. 

Lack of Clear Servicing Communication I never received the legally required " goodbye '' / '' hello '' servicing transfer letters from any party, and none of the involved companies have clearly identified the current holder of my mortgage note.

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