vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Southern Auto Finance Co
State: PA

Complaint narrative:
XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Fraudulent or Incorrect Account SAFCO Loan Not Mine Dear Consumer Financial Protection Bureau, I am submitting this complaint because there is an account listed on my credit report from Southern Auto Finance Company ( SAFCO ) that does not belong to me. I am requesting your assistance in investigating this matter and helping to correct this serious error. 

Details of the Disputed Account : Creditor Name : Southern Auto Finance Company ( SAFCO ) Account Number : XXXX Issue : This loan account is being reported under my name and Social Security number, but I have never opened a loan or conducted any business with SAFCO. 

I have already contacted the credit reporting agencies ( XXXX, XXXX, and XXXX  ) to dispute this account and requested an investigation. However, the account remains on my credit file, negatively affecting my credit score and financial standing.

This is either a case of identity theft or misreporting, and I respectfully request that the CFPB take appropriate action to ensure that SAFCO and the credit bureaus verify the validity of this account and remove it from my report if it can not be substantiated with accurate, verifiable information that proves it belongs to me.

Please conduct your reinvestigation within the 30-day timeframe allowed by law and send me an updated copy of my credit report once your review is complete. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: West Capital Lending, Inc.
State: PA

Complaint narrative:
On XX/XX/year> I received a quote from my current XXXX company for HE Loan - $ XXXX, XXXX XXXX and {$2000.00} fees. XXXX XXXX XXXX  I wanted to get competitive rates and went through XXXX  - I got connected with XXXX XXXX XXXX  XXXX XXXX | Branch Manager Direct  : ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, CA XXXX XXXX  XXXX | XXXX  XXXX XXXX  XXXX XXXXXXXX Upload Documents Securely | Apply Now XXXX XXXX XXXX I provided him with all the necessary details upfront. He quoted me a XXXX XXXX rate with {$1600.00} in fees and explicitly assured memultiple timesthat those terms would not change once I applied. Based on that, I submitted all my information today. He then came back with an XXXX XXXX rate and didnt even mention the fees. 

When I questioned the change, he claimed I had provided the wrong credit score. That is simply not true. My credit score is around XXXX. He also performed a soft credit pull, so he would have seen that. The idea that my rate jumped by XXXX basis points over the weekend is implausible and frankly feels dishonest. 

As a result, my credit has now been impacted, the timeline for funding is delayed, and my personal information is in the hands of someone I no longer trust. Im extremely concerned about how this was handled * * * I want to know what protections are in place to ensure this never happens againto me or to anyone else. What safeguards do you offer consumers when a representative misleads them, performs a bait-and-switch, or misuses their personal information? 

The way this was handled is not only deceptive, its predatory. When I called back to speak with a manager, I was routed back to general voicemailclearly an intentional move. Its evident that XXXX XXXX XXXX knows exactly what theyre doing, and it raises serious concerns about their business practices. 

This isnt just about a rate changeits about trust, privacy, and ethics. You need to seriously consider shutting down or auditing operations at XXXX XXXX XXXX. At minimum, I expect a direct response from someone in authority about what actions are being taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: PA

Complaint narrative:
I AM SUBMITTING THIS STATEMENT TO FORMALLY DECLARE THAT MY PERSONAL INFORMATION HAS BEEN USED, ACCESSED, OR REPORTED WITHOUT MY CONSENT OR PROPER LEGAL AUTHORIZATION.

UNDER SECTION 502 OF THE GRAMM-LEACH-BLILEY ACT ( GLBA ), NO NONPUBLIC PERSONAL INFORMATION MAY BE DISCLOSED WITHOUT THE CONSUMERS PERMISSION. FURTHERM
ORE, UNDER THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681c-2 ), ANY SUCH INFORMATION MUST BE BLOCKED WITHIN FOR ( 4 ) BUSINESS DAY UPON WRITTEN REQUEST AND VALID IDENTIFICATION. IF THE DISPUTED INFORMATION CAN NOT BE VERIFIED WITHIN THE SAME TIMEFRAME, IT MUST BE PERMANENTLY DELETED FROM MY CREDIT FILE. I AM REQUESTING IMMEDIATE ACTION IN ACCORDANCE WITH THESE FEDERAL PROTECTIONS. THE INFORMATION IN QUESTION WAS ADDED OR SHARED UNLAWFULLY AND MUST BE BLOCKED AND DELETED TO PREVENT FURTHER HARM OR MISUSE. ACCOUNTS TO BE BLOCKE-ELIMINATED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
To Whom It May Concern : I am submitting this formal declaration to notify that my personal information has been used, accessed, or reported without my consent or proper legal authorization. This constitutes a clear violation of my federal consumer rights and has caused material harm.

Under Section 502 of the Gramm-Leach-Bliley Act ( GLBA ), the disclosure of any nonpublic personal information without the consumers explicit permission is strictly prohibited.

Furthermore, under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 ( Section 605B ), any information resulting from unauthorized use of personal data must be blocked and deleted from all credit files within XXXX ( XXXX ) business days of receipt of a written request and valid identification. 



I am demanding the immediate blocking and deletion of the following fraudulent accounts that were unlawfully added to or shared on my credit file : - XXXX XXXX XXXX / # XXXX / Reported : XX/XX/year> - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. / # XXXX These accounts were not authorized by me, and I did not grant any legal consent for their use, reporting, or disclosure. Since no verified, signed documentation or legally binding authorization exists, these items must be permanently deleted from my credit report in accordance with federal law. 



I am submitting this statement as part of my formal complaint to the Consumer Financial Protection Bureau ( CFPB ). I request that the CFPB investigate this matter and enforce the necessary corrective actions in accordance with the Fair Credit Reporting Act and other applicable laws.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a verified victim of identity theft. On XX/XX/year>, I submitted a full dispute to Experian that included : A valid FTC Identity Theft Report ( # XXXX ) A signed and notarized affidavit Proof of identity and address A detailed list of fraudulent accounts and inquiries Despite this, Experian failed to block all of the fraudulent information within the required 4 business days under FCRA 605B. Several accounts and inquiries I identified as identity theft are still being reported, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts were never opened or authorized by me and are harming my credit. Experians failure to fully remove this information constitutes a violation of FCRA 605B, which mandates permanent blocking of identity theft-related data upon receipt of proper documentation. 

I am requesting immediate enforcement action by the CFPB and full removal of all listed fraudulent accounts and inquiries from my Experian credit file.

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 2025-07-02 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: NY

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX # XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$9400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$350.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I paid off a loan with BMO bank online.Info came up that it didn't go through and to call.I called and explained and the rep told me he would do it over the phone for me, which he did.The next day I checked my account that I used to pay off the loan and both payments went through.I have my bank account info that both amounts were transferred and I have an email from BMO that they received them and applied them. Am owed XXXX back as over payment.Now they say they never got it and I have proof from both banks that they did I am on social security and XXXX is a small fortune to me.Ive been ripped off.Please 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 2025-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
You were in a formal forbearance/partial payment plan with Mr. Cooper Payments were made under that agreement Mr. Cooper reported them as late This inaccurate reporting is preventing you from qualifying for a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-02 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: NC

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: WA

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX WA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am filing a formal complaint regarding an inaccurate and unverified collection account appearing on my credit report. The account ( No. XXXX ) for {$940.00} was opened on XX/XX/XXXX and reported as past due as of XX/XX/XXXX. 

I formally disputed this account with the credit bureaus and requested validation from the furnisher. No contract bearing my signature or legally required documentation was provided, yet the item remains on my report. This is a violation of the Fair Credit Reporting Act ( FCRA 611 ) and Fair Debt Collection Practices Act ( FDCPA 809 ).

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 2025-07-02 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: NC

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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 2025-07-02 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: NC

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

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 2025-07-02 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: NC

Complaint narrative:
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 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-02 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: NC

Complaint narrative:
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 XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: LEXISNEXIS
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX SSN : XXXX | DOB : XX/XX/XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX, D.C. XXXX To Whom It May Concern, I am writing to formally dispute several items on my credit report as potentially fraudulent and to request their immediate removal under the Fair Credit Reporting Act ( FCRA ) and related federal consumer protection laws. 

On or about XX/XX/XXXX, LexisNexis XXXX XXXXan organization that collects and stores sensitive consumer datasuffered a confirmed data breach, as filed with the Maine Attorney General 's Office. My full name, date of birth, Social Security number, driver license number, current and previous addresses, and other identifying data were part of the compromised information.

Due to the extent of this breach, I have reason to believe that the following accounts and negative items on my credit report may be the result of identity theft, unauthorized access, or improper reporting. Therefore, I request the following : - XXXX  XXXX {$2500.00} Charge-off - XXXX  XXXX {$0.00} Charged-off XXXX transferred/sold ) - XXXX  {$1400.00} Charge-off - XXXX XXXX XXXX {$680.00} Charge-off - XXXX XXXX XXXX  {$1000.00} XXXX account ( XXXX ) 1. Immediate reinvestigation of the accounts listed.

2. Removal of these items unless full verification can be produced showing I personally authorized and benefited from these debts.

3. Suspension or correction of any further adverse reporting related to these accounts.

4. Update me in writing on the progress and conclusion of your investigation.

Please consider this notice a formal dispute and fraud-related identity theft alert.

Enclosed : - Copy of my government-issued ID - Copy of the LexisNexis breach notification ( if available ) - Full credit report indicating disputed items Failure to comply may result in additional legal and regulatory filings with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney general. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation