vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has failed to comply with its legal obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information upon a consumers request. I formally requested this information, including the name and contact information of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. However, the agency failed to respond within the 15-day period required by law. This failure to provide the requested details constitutes a violation of my rights under the FCRA.

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 2025-07-24 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: IL

Complaint narrative:
I recently viewed my credit reports and noticed a fraudulent account on my credit report. Please remove this account from my report this account is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: OH

Complaint narrative:
I am requesting the immediate and permanent removal of all fraudulent accounts and unauthorized inquiries associated with the following : XXXX Account Number : XXXX This account was opened as a result of identity theft, and I have already provided the required documentation under the Fair Credit Reporting Act ( FCRA ), including : Government-issued ID Social Security card Proof of address Valid FTC Identity Theft Report As such, under FCRA 1681c2, the account and any related inquiries must be blocked within 4 business days of receiving the documentation. Failure to remove these entries would be a continued violation of federal law and a direct harm to me as a consumer.

I am requesting that the credit bureau : Block and permanently delete all information associated with the fraudulent XXXX account and any inquiries related to it.

Provide me with written confirmation that this data has been removed.

Send me an updated, corrected credit report reflecting these deletions within the legal timeframe.

If this is not resolved promptly, I will proceed with additional complaints to the CFPB, FTC, XXXX, and the Attorney General 's Office, and consider legal action under FCRA 616, which allows for statutory damages and legal costs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear CFPB Representative, I am writing to formally dispute multiple unauthorized hard credit inquiries that have appeared on my credit reports across Equifax, Experian, and TransUnion. I have reviewed my credit files and noticed numerous inquiries that I do not recognize, did not authorize, and have no business relationship with the listed creditors. 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a hard inquiry may only be made with the consumers express permission or in connection with a legitimate application for credit. I did not authorize the inquiries listed below, nor did I apply for credit with these entities on the dates indicated.

Please see the list of disputed inquiries below : -- - Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that these inquiries be thoroughly investigated and removed from my credit reports immediately if no permissible purpose or authorization can be verified. I would also like a written response confirming the outcome of your investigation, along with updated credit reports reflecting the removal of these inquiries. 

Please note that under the FCRA, I have the right to dispute any item on my credit report that I believe is inaccurate or unverified, and the bureaus and reporting creditors are required to conduct a reasonable investigation within 30 days. 

Thank you for your prompt attention to this matter. I am happy to provide any further information or identity verification you may require.

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: PA

Complaint narrative:
I recently reviewed my credit report ; I was alarmed to find that I had become a victim of identity theft. I do not recognize this fraudulent account and respectfully ask for its removal from my credit report, as it adversely affects my ability to obtain credit.

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 2025-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I submitted a dispute for a {$140.00} transaction with XXXX on XX/XX/XXXX via Cash App. The dispute was denied, but the refund never actually reached my account. I initially saw a pending refund in the app, but it disappeared and was never deposited. I contacted Cash App but received no resolution. 
Now, the Contact Support feature in the Cash App is completely non-functional due to a service outage ( screenshot attached ). I can not reopen the dispute or speak to a representative. 
Im requesting that the dispute be reopened and investigated, as I did not receive the {$140.00} refund. 
XXXX : $ XXXX Name : XXXX XXXX Transaction Date : XX/XX/XXXX Amount : {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
I am submitting this complaint because Rocket Mortgage improperly charged me {$380.00} for force-placed insurance due to their failure to exercise reasonable diligence, despite my clearly active insurance. This was a direct result of their deficient communication and internal mishandling of my mortgage file. 

-- - Timeline of Events - XX/XX/2025 Rocket Mortgage acquired my mortgage loan. 
- XX/XX/2025 Rocket claims they sent an insurance expiration notice via email. 
- XX/XX/2025 Rocket submitted a request on XXXX website to update mortgagee information. 
- XX/XX/2025 Rocket sent the first lender-placed insurance notice. 
- XX/XX/2025 Rocket claims they sent an email referencing an expiration dated XX/XX/2025. 
- XX/XX/2025 Rocket claims they sent an email to update the policy. 
- XX/XX/2025 Rocket issued a second lender-placed insurance notice. 
- XXXX Rocket paid XXXX, which refunded me directly since the policy was canceled. 
- XXXX After I called, Rocket flagged my account as having no policy on file and applied a force-placed policy. 
- XX/XX/2025 Payment cleared, and my mortgage payment was accepted. 
- XX/XX/2025 Rockets account researcher decided that the force-placed insurance charge of {$380.00} was valid. 
- XX/XX/2025 I escalated the issue to a service manager. Who said this is a common issue with XXXX  but charge of {$380.00} stayed. 
- force-placed insurance was from XXXX -- - Legal Violations Rocket Did Not Follow Federal Law ( RESPA Regulation X, XXXX XXXX XXXX ) XXXX. * * No reasonable basis to force-place * * Rocket had my insurance policy but relied solely on automated notices rather than verifying coverage with the insurer. This violates 1024.37 ( b ). They only attempted contact once. Rocket also admitted they have difficulty working with XXXX and have not developed a process to reliably retrieve insurance information from them. This issue may be affecting other XXXX customers as well or this is a Lie since they only sent ONE email to XXXX. 

2. * * Insufficient outreach efforts * * Regulation X ( 1024.37 ( cd ) ) requires direct contact efforts, such as phone calls. Rocket never called or left voicemails for XXXX or for me. All rechouts were automated and were not validated by any human during this process. 

3. * * Unfair and deceptive conduct * * Charging a borrower for unnecessary coverage and failing to verify coverage when possible violates basic consumer protection principles under the CFPB and FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX, on behalf of LVNV Funding LLC, is reporting a debt to the credit bureaus without first validating it, in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On or about XX/XX/year>, I received a collection notice from XXXX XXXX XXXX XXXX, regarding a debt allegedly owed to LVNV Funding LLC, originally from XXXX XXXX XXXX  ( account ending in XXXX XXXX XXXX XXXX ). The letter offers settlement options and instructs me to respond by XX/XX/year>. 

However, this debt is now reporting on my credit report without having been properly validated. I have not received any documentation showing the chain of title, signed agreement, or proof that this debt is even mine. Reporting this debt without first providing proper validation is a violation of 15 U.S.C. 1692g.

Additionally, I am requesting that this entry be removed from my credit report immediately until proper validation is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
About XXXX  months ago, I moved into a different unit within the same apartment complex. The property includes XXXXXXXX XXXX XXXX U-verse service as part of the rent. When I changed units, I was required to set up a new XXXX XXXX XXXX account for the new unit. I was told the old account would be closed and that billing would stop. 

However, I later discovered that the previous account was never properly closed and XXXX XXXX XXXX continued to bill me for service at the old uniteven though I no longer lived there and was paying for a new account tied to my new unit. I was never notified about the ongoing charges or any outstanding balance. 

Recently, I found out that XXXX XXXX XXXX sent the account to collections, and the alleged debt was sold to a company identified as " SUNRISE CREDIT SERVI '' ( presumably " Services '' ). I had no prior knowledge of this debt, no invoices, no phone calls, and no opportunity to dispute the charges before it was reported as a collection. 

I believe this is a billing error and a result of poor account handling by XXXX XXXX XXXX. I did not receive services at the old unit during this time, and the charges should not have accrued. This has now impacted my credit without proper notice or justification.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted disputes to all three credit bureaus regarding inaccurate account information. One bureau properly conducted an investigation, determined the account was inaccurate, and removed it. However, the other credit bureaus failed to provide proper verification or conducted what I believe was a frivolous response. They continue reporting the inaccurate item despite being notified of the issue, in violation of FCRA 611, which requires a reasonable reinvestigation of disputed information. I am requesting immediate correction of this inconsistent and harmful reporting. Below is a list of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1800.00}

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 non-monetary relief
Consumer complaint received 2025-07-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-24 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: OH

Complaint narrative:
I am requesting the immediate and permanent deletion of all fraudulent accounts and unauthorized hard inquiries listed below, which are the result of identity theft : Fraudulent Accounts : XXXX XXXX ( Account # : XXXX ) XXXX  ( Account # : XXXX ) Unauthorized Inquiries : XXXX XXXX  XX/XX/scrub>/2024 XXXX XXXX XXXX XXXX XXXX2024 XXXX XXXX XXXX XXXX2024 XXXX XXXX XXXX XXXX XXXX2024 XXXX XXXX XXXX XXXX2024 XXXX XXXX XXXX XXXX2024 XXXX XXXX XXXX2024 As stated in my formal dispute, I have submitted the required documentation under the FCRA, including my FTC Identity Theft Report, government-issued ID, Social Security card , and proof of address. Therefore, under 15 U.S.C. 1681c2, you are required to block all identity theftrelated information within 4 business days of receiving this documentation.

I am requesting the following actions : Immediately block and delete all accounts and inquiries listed above.

Provide written confirmation that these items have been removed.

Send me a corrected and updated credit report reflecting these deletions.

If this matter is not resolved in a timely and compliant manner, I will proceed with formal complaints to the CFPB, FTC, XXXX, and State Attorney General, and I reserve the right to seek damages under FCRA 616.

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 2025-07-24 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: PA

Complaint narrative:
I recently reviewed my credit report ; I was alarmed to find that I had become a victim of identity theft. I do not recognize this fraudulent account and respectfully ask for its removal from my credit report, as it adversely affects my ability to obtain credit.

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 2025-07-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I am writing to formally report a very disappointing experience I had with two of your phone representatives while trying to unlock my Target XXXX account. 

On XX/XX/year>XXXX  I was locked out of my online account and called the customer service XXXX XXXX number for assistance. The first representative I spoke with was able to help but was rude, impatient, and raised her voice during the call. When I asked to speak with a supervisor, she dismissed my request and hung up on me. 

I called back immediately and reached a second representative, who was equally unprofessional. When I calmly pointed out her rudeness, she responded sarcastically and said, Target Credit Card before ending the call. 

I later called your main customer service line and was told that a note would be added to my account. However, I was not given a case number, nor was I assured that the matter would be investigated or followed up. 

As a loyal Target customer, I find this experience extremely upsetting and unacceptable. I expect your agents to treat cardholders with basic respect and professionalism. I am requesting that this complaint be formally recorded and reviewed, and that I receive a written acknowledgment that this issue has been addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TN

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief