vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
On XX/XX/year>, during early phone conversations, the assigned loan officer engaged in troubling conduct. He used details from my personal life which could only be known from reviewing my financial information to tell parallel stories about his own life in an apparent attempt to make himself seem trustworthy. In the course of one conversation, he created more than three or four such coincidences aligning with my life, which felt manipulative and calculated. At the end of this call, the loan officer rushed us to sign loan documents blindly. My wife signed, but I did not, realizing what could be happening. 

On XX/XX/year>, Rocket Mortgage charged a {$500.00} Application Deposit/Advance Fee to my credit card for a mortgage application. I never signed the deposit agreement authorizing this charge the only signature on that document is from my co-applicant, my wife ( see Deposit Agreement.pdf ). 

On XX/XX/year>, Rocket Mortgage issued a late-night Loan Estimate ( see Loan Estimate Package XXXX ) showing {$10000.00} in Origination Charges , including {$7800.00} in points that had never been disclosed or agreed to. This was a {$7800.00} increase over the prior structure of {$2500.00} origination with no points, inflating the Estimated Cash to Close by {$8300.00} ( from {$73000.00} to {$81000.00} ). 

On XX/XX/year>, after reviewing the new figures, I immediately objected in writing ( see RocketXXXX ), calling the change unethical and reopening my loan search with other lenders. That same day, Rocket Mortgage claimed the increase was a temporary system error and issued a revised Loan Estimate ( Loan Estimate Package XXXX ) removing the points and restoring origination charges to {$2500.00}. This correction occurred only after I noticed and objected, and the new estimate still contained unexplained fees. 

Email correspondence ( see RocketXXXX ) shows the loan officer downplaying the fee increase and continuing to try to secure my business with personal appeals unrelated to the transaction. I withdrew my application due to these practices and requested a refund of the {$500.00} deposit, noting no appraisal or credit report charges were incurred. 

Rocket Mortgages Director of Mortgage Banking ( see RocketXXXX ) confirmed my loan was removed from processing and stated the deposit will be handled by our accounting team shortly, but as of this filing no refund has been issued. 

On XX/XX/year>, I contacted Rocket Mortgages executive team by phone to request resolution. My request for a full refund was denied. During this call, representatives engaged in additional predatory tactics, attempting to elicit details of my potential legal strategy and defense despite my clear statement that I was only seeking a refund or would pursue legal and regulatory recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: WI

Complaint narrative:
I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items.

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 2025-08-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, Balance : {$360.00} XXXX XXXX XXXX - Account Number : XXXX , Date Opened : XX/XX/XXXX, Balance : {$3000.00}

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 2025-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I moved on XXXX .. I put up a post in next-door asking for movers. The first guy I reached out to him because I saw that he had listed he had a moving company. He got back in touch with me and we decided to go with him. We cashed app him {$320.00} and he shouwe uXXXX that Saturday late lieing about he had us down for another time. He stayed about 15 mins and said that he would not be able to finish the move NC of his truck breaking down. He stated the would refund me. I never got it, I filed a claim with my bank they denied it, I filed several claims with Cash App and they denied. The same day another guy reached out to me saying he could do it. I cash app him. {$170.00} he never showed up. Cash app denied that aa well. I just want my money back. Please reach out if you're not able to see the documents its hard to upload from a phone. I have an entire conversation with additonal.evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is furnishing inaccurate and incomplete information regarding an auto loan on my TransUnion credit file. The account is reported as Charged Off with a {$9900.00} balance, yet I still have physical possession of the vehicle and no repossession has occurred. XXXX has never issued the required IRS 1099-C or 1099-A forms, nor have they provided verification of the debt when requested. 

When I attempted to sell the vehicle in XX/XX/scrub> 2025, XXXX blocked lien/title clearance despite providing a 10-day payoff letter. XXXX declined the purchase due to XXXX  refusal to release the lien, citing an active repossession order issued in XXXX 2025months after the account was charged off. 

I have submitted multiple disputes to TransUnion, including a certified Method of Verification ( MOV ) letter, but the inaccurate tradeline remains. The payment history and status updates reported to TransUnion do not align with XXXX  own statements or with reporting to other bureaus. This is a violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting guidelines.

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 2025-08-13 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: NV

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX Date : XX/XX/year> XXXX  XXXX Date : XX/XX/year> XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX  XXXX XXXX XXXX  Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX  XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX  XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: WA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-13 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: GA

Complaint narrative:
The creditor is reporting an account to the credit bureaus without providing proper documentation to verify the accuracy and legitimacy of the information. I formally requested validation of the account under applicable federal laws, including the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) for accuracy of reporting, the Truth in Lending Act ( 15 U.S.C. 1666b ) for proper application of payments, and the Knowledge of the Identity of the Lender Act ( KILA ) for disclosure of creditor identity and loan ownership. To date, they have not provided the requested documentation or verification.

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 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Submitted a Fraud Affidavit Report, my current XXXX Passport, my Social Security Card and my current utility bill with my address of 10 years to establish my true identity.

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 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had my phone stolen and they started sending XXXX XXXX transactions up to XXXX from my Wellsfargo account debit card somewhere. XXXX XXXX said this was authorized by me when I had to go and close my account and buy a new phone to replace the stolen phone. Wellsfargo returned the money but then reversed the transaction

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 2025-08-13 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: SC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: VA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>2020, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: GA

Complaint narrative:
Subject : Complaint Against TransUnion and XXXX for Inaccurate and Potentially Unlawful Credit Reporting To Whom It May Concern, I am filing this complaint against TransUnion and XXXX regarding inaccurate, unverifiable, and potentially unlawful reporting on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ). 

Account in Question : Creditor : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Nature of the Complaint : This account was closed on XX/XX/XXXX, yet TransUnion is reporting the following : High Balance ( {$310.00} ) and Credit Limit ( {$200.00} ) entries for the period XX/XX/XXXX to XX/XX/XXXX. 

Date Updated : XX/XX/XXXX. 

Last Payment recorded as XX/XX/XXXX making the XXXX balance activity factually impossible. 

This creates multiple compliance issues : Post-Closure Activity Reporting The account is closed but is being reported with recent activity years later, violating FCRA 607 ( b ) ( maximum possible accuracy requirement ). 

Improper Re-Aging Updating activity in XXXX can unlawfully extend the 7-year reporting period from the date of first delinquency, in violation of FCRA 605 ( a ).

Balance Inconsistencies The reported high balance exceeds the credit limit years after closure, raising questions about accuracy and data integrity. 

Secured Credit Card Handling As this was a secured card, XXXX was required to apply my deposit to the outstanding balance before charging it off. To date, neither TransUnion nor XXXX has provided proof this was done. 

What I Am Requesting : The CFPB require TransUnion to obtain and provide original source documentation from XXXX verifying the closure date, date of first delinquency, accuracy of XXXX activity reporting, and proper handling of the secured deposit. 

Immediate deletion of the account from my credit file if TransUnion can not verify with maximum possible accuracy. 

Confirmation that neither TransUnion nor XXXX will attempt to re-age this account to extend the reporting period unlawfully. 



Please investigate this matter promptly and provide written confirmation of your findings.

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 2025-08-13 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:
I am filing this complaint because the consumer reporting agency has included unauthorized hard inquiries on my credit report, which were not initiated by me. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ). These sections prohibit reporting inquiries not initiated by the consumer unless specific conditions are met, such as prior written authorization or a firm offer of credit. I did not authorize these inquiries and never provided my written consent. As such, their presence on my credit report is unlawful. The consumer reporting agency has also failed to provide evidence of permissible purpose or documentation containing my signature authorizing these inquiries.

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 2025-08-13 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: LA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have listed those items in my Identity Theft Report as well as highlighting those items on the credit report which is attached. Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address ( listed below ) : Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX Louisiana.. 


Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Attached in the upload are the following : - A copy of my credit report I received from your company. The fraudulent items are highlighted.

- A copy of my Identity Theft Report and proof of my identity.

- A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Sincerely,

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The addresses on my credit report are incorrect. Ive attached my documents for verification and request these addresses be removed immediately.

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