vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am the XXXX  of identity theft. On XX/XX/year>, I submitted a formal block and delete request under XXXX XXXX XXXX to Experian, Equifax, and TransUnion, including my FTC Identity Theft Report, a police report, and all required supporting documentation. Despite the legal requirement to block and remove the fraudulent accounts within XXXX business days, these accounts are still being reported. I have already submitted this documentation XXXX and followed up accordingly. This is my XXXX and final notice. If the fraudulent accounts are not removed immediately, I will pursue legal action for failure to comply with 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 explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX Formal Dispute of Unauthorized Credit Inquiries\n\nTo Whom It May Concern,\n\nI am writing to formally dispute several unauthorized inquiries that appear on my credit reports from Experian, Equifax, and TransUnion. Under the Fair Credit Reporting Act (FCRA), specifically 15 U.S.C.  1681b, a consumer reporting agency may only furnish a consumer report under certain permissible purposes. I have not granted authorizationwritten, verbal, or otherwisefor any company to access my credit information.\n\nIf you claim that such permission was given, I respectfully request that you provide documented evidence showing that I authorized these credit inquiries. Without such documentation, these inquiries must be considered unauthorized.\n\nFailure to provide this evidence may leave me no choice but to consider this a case of aggravated identity theft, as defined under 18 U.S.C.  1028A.\n\nPlease treat this matter with urgency. I request that these unauthorized inquiries be investigated and removed from my credit reports immediately. In addition, I ask that you provide a written confirmation of your findings and any actions taken.\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing you about the compromising of my social security number due to the XXXX  XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 

XXXX. The inquiry was not authorized 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently discovered fraudulent accounts reported under my name that I did not authorize or initiate. These accounts should not remain on my credit report. Under my rights granted by 15 U.S.C. 1681g, I am requesting their deletion within 15 days. Supporting documentation has been enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block - 15 USC 1681i ( 5 ) - 15 USC 1681i ( a ) 1 - 15 USC 1681i ( a ) 6 ( B ) 3 - 15 USC 1681i ( a ) ( 5 ) B 15 USC 1692A 15 USC 1692A-3 15 USC 1692A5 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than PLEASE REMOVE ALL ACCOUNTS A.S.A.P 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 USC 1681IS-2 15 USC 1692g ACCOUNTS : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX  INQUIRIES : XXXX - XX/XX/2025 Equifax XXXX XXXX XXXX  XXXX XXXX XX/XX/2025 Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2025 Experian XXXX  XXXX XXXX  XXXX XXXX XX/XX/2025 TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint against TransUnion for their repeated refusal to correct inaccurate late payment information on my credit report, despite my having submitted multiple disputes with supporting documentation. 
I submitted multiple written disputes directly to TransUnion disputing a reported late payment. 

I provided clear proof that the account in question was paid on time, including account statements and payment confirmation. 

TransUnion has continued to report the payment as late, even after being given the documentation. 

In response, they claimed the information was verified as accurate yet they have refused to provide any documentation or evidence from the creditor that supports their claim. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), TransUnion is required to conduct a reasonable reinvestigation and provide details about the method of verification and the name and contact information of the furnisher. They have failed to do so. 
This is my second complaint to the CFPB. My first complaint, filed on XX/XX/year>, was wrongfully closed after TransUnion falsely claimed they could not verify my identity even though I attached my government-issued ID and a utility bill with my full name and address. 

Violations : TransUnion is in violation of the following : FCRA 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide method of verification FCRA 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CredHub, Inc
State: GA

Complaint narrative:
I am submitting this complaint against CREDHUBXXXX XXXX for its continued failure to ensure the accuracy and integrity of the data it reports, which is in direct violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the inaccurate reporting of multiple errors on my credit file. The account is from CREDHUB/XXXX XXXX XXXX  Date opened XX/XX/year> -This company is reporting inaccurate information how come I have a balance wherein fact this account has been closed and paid! I were never been late also in making my payments. Remove the late payments and change the status to pay as agreed for OR immediately Delete this account! These entries are inaccurate, unverified, and damaging. I request these derogatory items be removed unless CREDHUB-XXXX XXXX can provide documented, verifiable evidence of their validity, in full compliance with FCRA 1681i and 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XXXX, I pay for a service to repair my phone. ( XXXX XXXX XXXX XXXX ). Transaction amount XXXX. 
Business Name : XXXX XXXX XXXX XXXXXXXX XXXX  : Bank of America. 
I disputed this transaction because the reasons listed below : 1. Merchant failed to repair my phone.

2. Merchant refused to give a refund.

3. Merchant did not honor its lifetime warranty policy.

4. Merchant removed essential components from my phone was unable to be repaired. ( total loss ).

5, Non refund policy was not disclosed to me in advance or during check out process.

6. Merchant non refund policy is not disclosed at the physical store or merchant website neither. For more detailed information please see attached document

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 monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX, I received an email from Experian. The subject line of this email was " 180+ million leaked accounts were just discovered '' The body of the email read : " Another massive data breach of 180+ million records was just discovered, with leaked account information from XXXX, XXXX and more. Use our identity protection tools and know you're taking action to protect yourself from fraud. '' I've been impacted by a few data breaches over the years, so when I read the subject line I had a XXXX XXXX. I immediately checked haveibeenpwned.com to see if my account info had been leaked, but it hadn't. The email from Experian didn't even bother to elaborate on this data breach. 

When I opened the email from Experian, I realized it was a promotional email. I have no idea why they would send a promotional email like this, especially in light of the XXXX data breach a few years back. I expressed my consternation in an email and requested that they never send promotional emails like this to me ever again. I was very disgusted and disturbed by this marketing ploy, and I am still recovering from the XXXX 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 2025-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, I tendered a registered security in the amount of {$20000.00} to Nationstar Mortgage LLC d/b/a Mr. Cooper. On XX/XX/XXXX, I sent a follow-up letter after no credit appeared on the account. On XX/XX/XXXX, I sent a second registered security in the amount of {$160000.00}. When the account remained unchanged, I sent a certified billing error notice on XX/XX/XXXX, and followed up with a Qualified Written Request ( QWR ) on XX/XX/XXXX, requesting account history, servicing transfer details, and validation. I have not received adequate responses. 
Also on XX/XX/XXXX, I received a letter from XXXX XXXX, XXXX, stating they were collecting a debt on behalf of Nationstar in the amount of {$150000.00}. Their letter included a copy of my XX/XX/XXXX statement with my full account number, raising concerns about data sharing and servicing authority. XXXX XXXX claims they may be a debt collector but do not clarify their exact role. 
In addition, I was in an active forbearance agreement from XX/XX/XXXX to XX/XX/XXXX, and Mr. Cooper / Nationstar Mortgage reported the loan as delinquent or late during that time. This appears to be a violation of the CARES Act and the Fair Credit Reporting Act ( FCRA ). I previously submitted a CFPB complaint regarding this issue as well.

To date, I have received no 5-day or 15-day written notice from Mr. Cooper or Nationstar Mortgage regarding any loan sale, transfer, or servicing change, as required by 12 U.S.C. 2605 ( b ). This lack of notice, combined with improper credit reporting and unclear debt collection activity, requires investigation. 

Nationstar Mortgage LLC d/b/a Mr. Cooper NMLS Identifier : XXXX Tax Identification Number : XXXX Registered in Delaware Headquartered at XXXX XXXX XXXX XXXX  XXXX XXXX TX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX * * * * Date opened : XX/XX/year> High balance : {$700.00} Original charge off : {$460.00} I did not open or authorize this XXXX XXXX XXXX account, which shows as an unsecured loan with a high balance of {$700.00} and a charge-off of {$460.00}. This is a clear case of identity theft and fraudulent activity. I demand the immediate removal of this account from my credit report and that all associated negative impacts be corrected. I also expect a full investigation into the fraudulent activity and that those responsible be held accountable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX & XXXX ( Original Creditor : XXXX ) # XXXX XX/XX/XXXX -- {$770.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$31.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$170.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$130.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$100.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$88.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$89.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$320.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$60.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$640.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$440.00} XXXX # XXXX XX/XX/XXXX -- {$450.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$240.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
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 non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

Company response to consumer: Closed with explanation