vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Fold, Inc.
State: MN

Complaint narrative:
My name is XXXX XXXX, I signed up food app account about 2 weeks ago and I received my debit card, I added money to the debit card and I trade on the fold app buying bitcoin and sending it to my external wallet address, suddenly I got locked out of my account getting notified in email that my account was temporarily suspended and I needed to contact support, I do that immediately and I was told someone will be replying to me from the escalation team, not long I got a mail from escalation team asking me for source of fund and where I sent to, I explained everything through mail as they directed, and I sent requirement documents over to them, ever since then I never heard from the escalation team or anyone, I keep sending emails but no one is replying me, I got about {$990.00} in bitcoin on the account and about {$4.00} cash on debit card, I need to access my account and withdraw my bitcoin balance so I can pay my house rent and other bills I need to, they are affecting me negatively and Im beginning to think I got scammed and this may cost me my life, I went online and I can see lot of bad reviews about the fold inc I just need help accessing my funds Pls help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX  # XXXX - Balance : {$6600.00} - Date Opened : XX/XX/XXXX XXXX  XXXX XXXX # XXXX - Balance : {$32000.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX - Balance : {$4400.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX - Balance : {$61000.00} - Date Opened : XX/XX/XXXX XXXX  XXXX # XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX  XXXX XXXX # XXXX - Balance : {$2400.00} - Date Opened : XX/XX/XXXX XXXX  XXXX XXXX  # XXXX - Balance : {$670.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX - Balance : {$380.00} - Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: WA

Complaint narrative:
This is not my account, and it appears on my report in error.

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 2025-11-28 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: WA

Complaint narrative:
This is not my account, and it appears on my report in error.

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 2025-11-29 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX -- Balance : {$350.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$290.00} - Date Opened : XX/XX/XXXX XXXX 'S XXXX # XXXX -- Balance : {$410.00} - Date Opened : XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$510.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$610.00} - Date Opened : XX/XX/XXXX XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX # XXXX -- Balance : {$0.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, account number XXXXXXXX is reporting an inaccurate status on my experian credit report. I disputed the inaccurate information and experian " verified '' the reporting and XXXX mailed me a letter related to ID theft, which is completely off the mark. I frantically called penfed and a representative informed me that the debt was sold to a 3rd party collector. After some research because I feel so distressed and like this is an emergency- it's affecting/harming me/my credit- I learned that this inaccurate status/reporting and false " verification '' is a direct violation of bankruptcy code and the laws under the fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX, account number XXXXXXXX is reporting an inaccurate status on my experian credit report. I disputed the inaccurate information and experian " verified '' the reporting and XXXX mailed me a letter related to ID theft, which is completely off the mark. I frantically called penfed and a representative informed me that the debt was sold to a 3rd party collector. After some research because I feel so distressed and like this is an emergency- it's affecting/harming me/my credit- I learned that this inaccurate status/reporting and false " verification '' is a direct violation of bankruptcy code and the laws under the fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-28 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
This letter constitutes my formal * * Notice of Intent to Sue * * under the Fair Credit Reporting Act ( FCRA ) for repeated and ongoing violations related to identity theft, reinsertion of fraudulent accounts, and failure to comply with federal law after receiving proper documentation. 
I submitted, to all three credit bureaus, the required materials for an Identity Theft Block pursuant to * * FCRA 605B * *, including : 1. FTC Report # XXXX 2. Police Incident Report # XXXX 3. Proof of identity and address 4. Written 605B request Despite receiving these documents, your agencies have repeatedly : Failed to permanently block fraudulent accounts Reinserted accounts without certification Reinserted accounts without providing the required 5-day written reinsertion notice Failed to conduct reasonable investigations Continued to mix fraudulent information into my consumer file Fraudulent accounts that were removed have been reinserted, including : Apple Card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-29 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-29 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me in ways that are unacceptable.

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 2025-11-29 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: AZ

Complaint narrative:
This is the same company ( called XXXX XXXX ) that stole from XXXX XXXX to pay themselves without my consent, and XXXX XXXX allowed them to steal from me. Now after I disputed the matter and reported XXXX XXXX to you guys, I found out that, this same company took my name to creditors and tried to ruin my name, they actually did. They paid themselves {$1800.00} stole it out of my account and still reported me for not paying them. Now I called the Equifax, and asked them to remove them, the equifax charged me {$490.00} and told me they have to charge me {$99.00} every month in other to remove them, which they never mentioned in our first call, in fact they told me it was a one time payment of {$490.00} which I feel like its a lot of money and every day they also try to charge my card {$24.00} XXXX dont understand why. Please I need help with this people to stop stealing from me. I want XXXX XXXX which caused all this in the first place to pay me back the {$1800.00} they stole from XXXX XXXX and to remove my name from credit bureaus. They paid themselves {$1800.00} after they did that, they still took my name to credit bureaus just to ruin my name, when I ask the equifax to help me, they wan na take advantage of me too. Please help me. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
I must emphasize that this complaint is not a mistake. My credit report contains inaccuracies that are not guaranteed to be accurate. These errors are severely impacting me in ways that are unacceptable.

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 2025-11-29 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
PHH Mortgage Corporation XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : Formal Dispute of Mortgage Account Errors & Request for Investigation Mortgage Account # : [ Insert Loan Number ] To Whom It May Concern : I am writing to formally dispute several inaccurate, incomplete, or improper entries associated with my mortgage account with PHH Mortgage . These inaccuracies violate the Real Estate Settlement Procedures Act ( RESPA ), Regulation X, Regulation Z, and the Fair Credit Reporting Act ( FCRA ).

PHH is required by law to investigate, correct, and respond to all written disputes within regulatory time frames. I request immediate review and correction of the issues outlined below.

ISSUES I AM DISPUTING One or more of the following applies ( I can customize when you tell me which ) : Inaccurate delinquency or late payment reporting Payments not credited or misapplied Incorrect principal balance, escrow balance, or fees Forced-placed insurance errors Reporting of past-due amounts that were never actually owed Improper negative credit reporting Failure to process hardship, forbearance, or modification documents Incorrect payoff amount or reinstatement figure Any charge-off status or foreclosure activity that is not accurate These errors are materially false, damaging to my credit, and violate federal mortgage servicing laws.

REQUEST FOR PHH ACTION Under RESPA and Regulation X, I am making a Qualified Written Request ( QWR ) / Notice of Error ( NOE ), and I require PHH Mortgage to : 1. Conduct a full investigation into all disputed information.

2. Provide a complete account history, including : All payments received Dates credited Escrow transactions Explanation of any fees, charges, or advances 3. Provide written verification and documentation supporting all reporting.

4. Remove or correct any information that is inaccurate, incomplete, or misleading.

5. Update all credit bureaus with corrected mortgage information.

6. Provide a written response within the legally required time frame under RESPA 2605 and Regulation X.

LEGAL BASIS PHH may not furnish information that is : Inaccurate or misleading ( FCRA 623 ) Unverifiable Incomplete Reported without proper documentation PHH must also comply with RESPA requirements regarding servicing errors, payment application, escrow handling, and consumer dispute investigations.

Company response to consumer: Closed with explanation