vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: NC

Complaint narrative:
XXXX'I am writing to formally dispute the inaccurate, unverifiable, and noncompliant information being reported on my Experian consumer credit report. I am asserting my rights under the Fair Credit Reporting Act (FCRA), Consumer Financial Protection Act (CFPA), and citing direct violations confirmed by the CFPBs January 2025 lawsuit against EXPERIAN XXXXI am a victim of malpractice and broken laws based on the 1/2025 lawsuit against EXPERIAN .**And Im also filling this complaint due to Experians repeated violations of federal consumer protection laws, failure to process my identity theft claims, reinsertion of accounts without notice, and continued reporting of inaccurate and noncompliant credit data. Despite multiple formal disputes, Experian has failed to meet its obligations under: - 15 U.S.C.  1681i  Failure to conduct a reasonable reinvestigation - 15 U.S.C.  1681i(a)(2)  Failure to forward all submitted documentation to furnishers - 15 U.S.C.  1681e(b)  Failure to maintain maximum possible accuracy - 15 U.S.C.  1681c-2  Failure to block fraudulent accounts upon identity theft report - 18 U.S.C.  1028  Identity Theft and Assumption Deterrence Act - FACTA  Fair and Accurate Credit Transactions Act of 2003 - Metro 2 Compliance Standards Personal Information Inaccuracies Experian continues to list fraudulent and inaccurate addresses on my credit file, despite receiving my government-issued ID and utility documentation. The only valid address that should appear is listen in the letter All others are the result of identity theft or Experians data mishandling. XXXXAccounts Reported in Violation of Federal Law XXXX XXXX XXXX XXXX XXXX Failure to investigate identity theft (FCRA  1681c-2)XXXXAccounts reinserted without MOV or consumer notice, Metro 2 violations (codes 30/31), FCRA  1681c-2 and  1681i(a)(2) violations Pattern of Misconduct  EXPERIAN  Lawsuit Reference This is not isolated. The CFPB filed suit against EXPERIAN in January 2025 (Case 8:25-cv-00024) for failing to forward disputes, illegally reinserting accounts, and disregarding identity theft claims  the very same \nconduct Im reporting here. I am directly experiencing the same violations as outlined in that case'

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 2025-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LoanCare, LLC
State: CA

Complaint narrative:
I am a person living with XXXX, a XXXX protected under the Fair Housing Act, ADA, and Section 504. I informed LoanCare in writing in XX/XX/year> of my medical hardship and requested reasonable accommodations, including written/email-only contact. I submitted a complete Mortgage Assistance Application ( MAA ) in XX/XX/year> and began a deed-in-lieu process in XX/XX/year>. 

LoanCare failed to process my application in a timely manner, imposed an unlawful requirement to pay off utilities, then abruptly terminated the deed-in-lieu without cause after instructing me to vacate the property which I did in reliance on their demand. They also failed to provide legally required mailed foreclosure notices to my correct address, despite my formal change-of-address notice, and relied on an inaccessible online portal for communication. 

These actions have caused financial harm, housing loss, and severe emotional distress, and appear to constitute wrongful foreclosure, bad faith, and XXXX discrimination.

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 2025-08-14 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: TX

Complaint narrative:
My FTC credit report contains several inaccurate and/or outdated entries that do not belong to me and should be removed in accordance with the Fair Credit Reporting Act ( FCRA ). These accounts are either the result of a data breach, are not mine, or are beyond the allowable reporting period. The continued presence of these accounts is causing harm to my creditworthiness and violates my rights under the FCRA. I have spoken with these companies and reached out without being given the desire resolution.

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 2025-08-14 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:
My FTC credit report contains several inaccurate and/or outdated entries that do not belong to me and should be removed in accordance with the Fair Credit Reporting Act ( FCRA ). These accounts are either the result of a data breach, are not mine, or are beyond the allowable reporting period. The continued presence of these accounts is causing harm to my creditworthiness and violates my rights under the FCRA. I have spoken with these companies and reached out without being given the desire resolution.

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 2025-08-14 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: HI

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 XXXX 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 : 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  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, XXXX, as proof from the US 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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-14 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: CA

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 2025-08-14 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: CA

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 non-monetary relief
Consumer complaint received 2025-08-14 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: NJ

Complaint narrative:
Account was charged off in XX/XX/year>. Request for XXXX was issued and not provided. Account was sold to a third party debt collector. Still waiting for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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 30 days 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 explanation
Consumer complaint received 2025-08-14 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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 30 days 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 non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX  account. Settings feature not available so couldnt make acct visible. {$200.00} in tips lost as result. Used chat support and they just provided boilerplate responses which failed to address XXXX software bugs. Asked for supervisor and wouldnt offer. Emailed ceo and President after tech support emailed with more boilerplate offering no help. XXXX closed account in frustration and now account is just frozen. They need to reopen and make the settings option avail to me. 

Unfreeze XXXX account. XXXX is also a term son. His account was frozen for not reason. He has assets in it and they are now inaccessible. 

Tried calling and no option for these issues. This company is incompetent and does not operate in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: MI

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

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 2025-08-14 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: UT

Complaint narrative:
I have repeatedly contacted the appropriate parties about inaccuracies on my credit report, but the issue remains unresolved. These errors have caused significant hardship, unfairly lowering my credit score and leading to denied applications.

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 2025-08-14 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: PR

Complaint narrative:
On XX/XX/XXXX, I discovered that two XXXX XXXX credit card accounts had been fraudulently opened using my Social Security number. I immediately contacted XXXX XXXX, and following my initial CFPB complaint, XXXX XXXX confirmed that one account ending in XXXX was fraudulent and removed it. However, they refused to remove the second account ending in XXXX. 

In XXXX XXXX official CFPB response, they asserted that payments to the fraudulent XXXX XXXXXXXX account ending in XXXX originated from a XXXX XXXX XXXX XXXXXXXX account ending in XXXX, which they alleged was held by me. This was the first occasion on which I became aware of any supposed XXXXXXXX XXXX XXXX XXXXXXXX account. I have never opened nor authorized any account with XXXXXXXX XXXX XXXX XXXX. 

After receiving this response, on XX/XX/XXXX, I : filed a second CFPB complaint against XXXX XXXXXXXX, supported with new evidence, filed an FTC Identity Theft Report ; filed a police report ; and filed this present complaint against XXXXXXXX XXXX XXXX XXXXXXXX to dispute any claim that I hold or have ever held an account with them. 

My evidence includes : FTC Identity Theft Report, police report filed at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( No. XXXX ), sworn affidavit of my father, XXXX XXXX XXXX XXXX attesting that my primary address is at our XXXX XXXX XXXX XXXX XXXX XXXX since XXXX, have never resided in XXXX XXXX XXXX  and have never had accounts with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX letter confirming that I am a XXXX XXXX residing in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and an electricity bill evidencing my XXXX XXXX residence XXXX 

On XX/XX/XXXX, I also contacted XXXXXXXX XXXX XXXX XXXXXXXX by phone to request confirmation of whether an account existed under my Social Security number. Because I did not possess the complete account number, the representative declined to provide confirmation, leaving me unable to verify or close any such fraudulent account. However, I only know the last 4 digits which were provided by XXXX XXXX since I never opened this account. 

XXXX XXXX continues to use this alleged XXXXXXXX XXXX XXXX XXXX account as a basis to claim that the fraudulent XXXX XXXX account ending in XXXX belongs to me. This allegation is false, unsupported by evidence, and damaging to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
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 : INQUIRIES : 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 Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 US 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