vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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:
Ive noticed that my credit report contains inaccurate personal information, which has led to the appearance of an account Ive never opened or been associated with. Im a victim of identity theftmy information was used without my consent, and now Im being held responsible for something that has nothing to do with me. As instructed by Experian, I filed an FTC Identity Theft Report and submitted all supporting documents. Despite that, the fraudulent item is still on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account starting with XXXX, account starting with XXXX, account starting with XXXX that are inaccurate and are not properly verified. I have disputed this directly with the Credit Bureaus and the furniture, but the late payment was made without proper validation or documentation. Under 15 USC 1681 S2 A, furniture must report accurate information. Under 15 USC 1681 I, the Credit Bureaus must perform a reasonable investigation within 30 days. Neither of them has provided sufficient evidence to support the negative reporting.

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 2025-06-05 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:
b"Please remove the following items:-\n\nADDRESSES:-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  had not checked my credit report in a long time. I went to bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

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 2025-06-05 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: NJ

Complaint narrative:
b"Please remove the following items:-\n\nADDRESSES:-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  had not checked my credit report in a long time. I went to bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare."

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 2025-06-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KS

Complaint narrative:
I attempted to make a payment toward my vehicle loan back in XXXX, after a prior payment failed due to an overdraft. On XX/XX/XXXX, I had {$240.00} in my account and tried to pay through the lenders website and app, but both kept logging me out during identity verification. I was unable to complete the payment, and this technical failure made my account even more delinquent than it already was. 
Since then, Ive made multiple attempts through both the app and website, but I keep getting kicked out or blocked from logging in. I also tried calling every listed customer service number, but each one says all circuits are busy and disconnects. 
I finally reached a representative through live chat, who admitted the company is migrating systemswhich is clearly contributing to the login issues. However, the only payment option they offered was over the phone, which includes an additional fee. 
I am actively trying to pay, and Ive now lost more time and money due to this situation. Their systems have blocked me from making a partial payment for weeks, and now my account is at even greater risk because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: OR

Complaint narrative:
I recently became aware that my personal information was exposed due to a data breach, resulting in fraudulent accounts on my credit report. In accordance with Section XXXXB of the FCRA ( XXXX U.S.C. XXXXc-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : $ Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX EXPERIAN XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date XXXX XX/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 explanation
Consumer complaint received 2025-06-05 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: OR

Complaint narrative:
I recently became aware that my personal information was exposed due to a data breach, resulting in fraudulent accounts on my credit report. In accordance with Section XXXXB of the FCRA ( XXXX U.S.C. XXXXc-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : $ Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX EXPERIAN XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
I am trying to avoid foreclosure and remain in my house, but my mortgage company, Mr. Cooper, has denied my applications for a loan modification and my requests for deferred payments. I formally appealed Mr. Cooper 's decision twice, but both appeals were denied. They have also refused to accept payments from me, resulting in additional past due amounts, penalties, and fees that I am responsible for. I have received conflicting information from representatives, and my loan specialist is often unavailable when I call. Mr. Cooper has stated that my only option for keeping my home is to provide a lump sum payment of {$12000.00}, which I can not provide at this time. Mr. Cooper will not accept 3 payments over the next three months to pay off the past due amount. I am also concerned that the loan 's maturity date changed from XXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/XXXX my mom received a call from a Location and Compliance Services based out of XXXX looking for my whereabouts " due to a legal matter ''. This scared my mom and she gave them my contact information. They called me and XXXX ( phone numberXXXX ext XXXX ) told me I was due to appear in court for a credit card opened in XXXX that I was being sued for. She said it's at the final stages of settling and she could try to speak ony behalf to the arbitrary department to pay it off for {$300.00} and not have to appear in court. I asked her for all this information in writing since it's the first I'm hearing of this and she notified me that it's all evidence at this point and she's not allowed to give me any of it. I asked for the address of the business and she said she can not provide that but said the name is XXXX. I wrote down her info and called the court house to see if it shows I'm due in court, and they told me they saw nothing for even a year out. I called the number back and spoke with a different person who said I had no pending legal action and could set up a payment plan today to settle the debt.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I was originally listed as a co-borrower on an auto loan with XXXX XXXX XXXX. The vehicle was repossessed, and my name was removed from the title and account. On or around XXXX XXXX XXXX the account was reinstated without my knowledge or consent, and it was re-reported to the credit bureaus under my name. I never signed a Power of Attorney or any documents approving reinstatement.

I submitted a formal refusal via email on XXXX XXXX XXXX requesting confirmation that I would not be re-added to the title or loan, and that I would not be held legally or financially responsible. I followed up again on XXXX XXXX XXXX. The company responded by asking me to call them but has not provided written confirmation as requested. 

This account is now being reported as current under my name despite my lack of involvement in the reinstatement. I have submitted disputes to all three credit bureaus and am requesting CFPB assistance to remove my name and liability from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: IL

Complaint narrative:
I was originally listed as a co-borrower on an auto loan with XXXX XXXX XXXX. The vehicle was repossessed, and my name was removed from the title and account. On or around XXXX XXXX XXXX the account was reinstated without my knowledge or consent, and it was re-reported to the credit bureaus under my name. I never signed a Power of Attorney or any documents approving reinstatement.

I submitted a formal refusal via email on XXXX XXXX XXXX requesting confirmation that I would not be re-added to the title or loan, and that I would not be held legally or financially responsible. I followed up again on XXXX XXXX XXXX The company responded by asking me to call them but has not provided written confirmation as requested. 

This account is now being reported as current under my name despite my lack of involvement in the reinstatement. I have submitted disputes to all three credit bureaus and am requesting CFPB assistance to remove my name and liability from this account.

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 2025-06-05 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: IL

Complaint narrative:
I was originally listed as a co-borrower on an auto loan with XXXX XXXX XXXX. The vehicle was repossessed, and my name was removed from the title and account. On or around XXXX XXXX XXXX, the account was reinstated without my knowledge or consent, and it was re-reported to the credit bureaus under my name. I never signed a Power of Attorney or any documents approving reinstatement.

I submitted a formal refusal via email on XXXX XXXX XXXX, requesting confirmation that I would not be re-added to the title or loan, and that I would not be held legally or financially responsible. I followed up again on XXXX XXXX XXXX. The company responded by asking me to call them but has not provided written confirmation as requested. 

This account is now being reported as current under my name despite my lack of involvement in the reinstatement. I have submitted disputes to all three credit bureaus and am requesting CFPB assistance to remove my name and liability from this account.

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 2025-06-05 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:
Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : FRAUDULENT ACCOUNTS : * XXXX XXXX; UNDER ACCOUNT NUMBER : XXXX ; OPENED ON XX/XX/XXXX * XXXX XXXX; UNDER ACCOUNT NUMBER : XXXX * * ; OPENED ON XX/XX/XXXX * NATIONAL CREDIT ADJUST; UNDER ACCOUNT NUMBER : XXXX ; OPENED ON XX/XX/XXXX ( REMOVE IMMEDIATELY ). These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX Attached below are supporting documents -A Letter formally detailing the information of my dispute and stating consumer laws -A Fraud Affidavit -Copy of US Issued ID ( Proof of Identity ) -Copy of SSN -FTC ( Federal Trade Commission ) Identity Theft Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-06-05 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: UT

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under XXXX XXXX code XXXX ( b ) and XXXX use XXXX ( XXXX ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date XXXX XX/XX/year>

Company response to consumer: Closed with explanation