vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: WA

Complaint narrative:
I wish to file a complaint against United Wholesale Mortgage XXXX XXXX XXXX They called me from XXXX - I thought it odd that my mortgage servicer called me unexpectedly, so I called back, and their system refused to acknowledge my account with my social security number- I went online and found a different number to call for support, so I called XXXX and the result was the same. 

No option to speak to a representative without account verification. 

I decided to try using my mortgage account number for account verification, so I tried to log in to my account online. My online login no longer works, and instead displays -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Sorry, something happened. 
Please try again at a later time. 

ID : XXXX ErrorCode : XXXX Mon XX/XX/year> XXXX XXXX ( XXXX XXXX XXXX ) -- -- -- -- -- XXXX XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I think that it is unacceptable that during regular hours a financial institution does not have operators who can answer general support questions or render technical assistance to customers who have not passed some account verification process. 

I would not complain if I had chosen this servicer, but that was not my decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am asking for assistance for this because it is causing my credit score to decrease. These inquiries were unauthorized, but it was reported on my file. It's from XXXX XX/XX/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 XXXXXX/XX/XXXX. These inquiries were reported on my file without my permission. I did not give consent or handed a written instruction that they could report this kind of information on my file. They have violated FCRA 15 USC 1681b ( 2 ) for reporting an information without permissible purpose. Another violation that they flagged is that they failed to maintain maximum possible accuracy because they reported this kind of information on my file, they have violated FCRA 15 USC 1681e ( b ). These kinds of inquiries damaged my credit score and it affected me greatly, because of this my request for housing or credit has been rejected. I demand that these inquiries listed is to be REMOVED from my file and I expect a written confirmation that these inquiries are DELETED and does not show on my next credit 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 2025-12-15 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: FL

Complaint narrative:
I am filing a complaint regarding multiple inaccurate, incomplete, and unverifiable items appearing on my credit report. I followed the proper dispute process and submitted a formal written request to the credit bureau asking for the removal of incorrect personal information, outdated or inaccurate accounts, and unauthorized hard inquiries. The bureau has not provided verification or proper documentation to validate these items. Some of the information being reported does not belong to me, and no signed authorization has been provided for the hard inquiries. These errors have negatively affected my credit score and overall creditworthiness.

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 2025-12-15 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: FL

Complaint narrative:
I am writing to dispute the inaccuracies on my credit report related to the following accounts. These accounts are inaccurately reported and I request a thorough review and correction of these items. Below are the details of the accounts in dispute, separated by bureau. 

Charged Off Accounts : 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

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 2025-12-15 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: CA

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: IL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-15 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 XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX  ( XXXX ) are furnishing inaccurate, inconsistent, and unverifiable information to the credit reporting agencies, and Equifax, Experian, and TransUnion continue to report this information despite repeated disputes and clear evidence that it can not be verified as required by federal law. 

The accounts involved are XXXX XXXX account ending in XXXX, XXXX XXXX  account ending in XXXX, and XXXX XXXX XXXX ( XXXX ) card ending in XXXX. I have disputed these accounts multiple times directly with the credit bureaus, providing detailed explanations of the inaccuracies and requesting verification. In response, the bureaus repeatedly state that the information was verified, yet no actual documentation has ever been provided to me, such as billing statements, payment histories, payment application records, or any proof supporting the alleged late payments or negative account statuses. 

The information being reported is internally inconsistent and does not match across the credit bureaus. Payment histories, dates, and delinquency codes differ from bureau to bureau, and in some instances the reported late-payment totals contradict the monthly payment grids themselves. These contradictions make it impossible for the information to be accurate. All three credit reporting agencies can not be correct when they are each reporting different versions of the same account history. 

Under the Fair Credit Reporting Act, credit reporting agencies are required to maintain maximum possible accuracy and to conduct a reasonable reinvestigation when a dispute is submitted. Simply relying on automated responses from furnishers without reviewing actual records does not meet this legal standard. Additionally, under the Fair Credit Billing Act, when a consumer disputes an alleged billing error or late payment, the creditor must be able to produce documented proof showing the accuracy of the billing and payment history. None of the furnishers involved in this complaint have provided such documentation. 

Despite this lack of proof, the bureaus continue to report negative information that can not be substantiated, causing ongoing harm to my credit profile. The continued reporting of unverifiable and contradictory data demonstrates a failure by both the furnishers and the credit bureaus to comply with federal consumer protection laws.

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 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I received a email from Navy Federal Credit Union stating I had a suspicious deposit. My account was not able to be accessed. When speaking to the branch they just said my account was restricted and stated I can complete a document to ask for an appeal. The agent asked me to send any documentation showing my last deposits. In which I provided documents for a lawsuit from a car accident where I was given a monetary settlement. Its been over a month and my account is still restricted for some unknown reasoning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: AR

Complaint narrative:
VANCE & HUFFMAN LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCE & HUFFMAN LLC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
This is not a duplicate report. This complaint concerns inaccurate and inconsistent information this bank is reporting to the credit bureaus. 

The company is reporting multiple false and fraudulent details regarding the same account. Each credit bureau reflects a different balance, which demonstrates inaccurate and unreliable reporting. XXXX  is reporting a balance exceeding {$1800.00}, while XXXX  is reporting a balance of approximately {$500.00} for the same account. These discrepancies would not exist if the account were legitimate and properly maintained, and they indicate negligent and misleading reporting practices. 

The company also claims that I made payments on this account in XXXX. Any payments made were done under pressure. I was repeatedly contacted by the collections department and warned that my credit score would be severely impacted if I did not pay. Due to this pressure and fear of credit damage, I made payments on an account that I did not open and do not own. Payments made under duress do not establish liability or validate a fraudulent account. 

I state clearly and unequivocally that I did not open this account. It was opened using my Social Security number and accessed through my mobile Chase account without my authorization. I am a victim of identity theft. I did not apply for this account, sign any documents, or authorize any charges. 

Despite my identity theft report and a police report filed with the XXXX Police Department, the company continues to report this account as valid and continues collection activity. The ongoing reporting of inaccurate information has negatively affected my credit score and caused significant financial and personal distress.

I will not accept responsibility for an account that was not opened by me, and I will continue to dispute this account until it is fully resolved. 

I am formally requesting immediate removal of this account from all credit reports ( XXXX XXXX and XXXX  ) and an immediate cessation of all collection activity. If this matter is not resolved, I will pursue all available legal and regulatory remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Identity theft fraudulent private XXXX  loans reported under my name. Lender refuses to remove my name and fails to provide XXXX audit logs. Credit bureaus improperly verified despite valid FTC Identity Theft Report.

I am filing an identity theft complaint regarding four private XXXX loans issued by XXXX XXXX under my name without my knowledge or authorization. 

I have never applied for, cosigned, or approved these loans. These loans were fraudulently opened by my ex-spouse using my personal information while we were separated. We legally separated on XX/XX/XXXX, and divorced on XX/XX/XXXX. Several of the fraudulent loans were opened during this separation period. 

Fraudulent loan accounts ( all XXXX XXXX private XXXX loans ) : XXXX {$4300.00} XXXX {$4000.00} XXXX {$16000.00} XXXX {$5500.00} These loans were opened online using e-signatures without my authorization. 

I submitted a complete FTC Identity Theft Report ( Report # XXXX ), included my statements explaining the fraud, and identified the suspect ( my ex-spouse ). I also sent this documentation to XXXX XXXX as instructed. 

Despite providing all required documents, XXXX XXXX refused to remove my name or provide any XXXX authentication records, including IP address, device fingerprint, email verification, and identity validation logs used during the electronic loan application. 

This is a violation of the XXXX XXXX and FCRA obligations to provide validation when an account is disputed as identity theft. 

Furthermore, I disputed the fraudulent accounts with Equifax, Experian, and TransUnion, but Equifax incorrectly verified the account as belonging to me, despite my FTC Identity Theft Report and supporting documents. 

Under FCRA 605B, credit bureaus must block identity theft accounts within 4 business days upon receipt of a valid Identity Theft Report. This did not occur. 

I am requesting CFPB assistance to require : XXXX. XXXX XXXX to provide full XXXX audit logs for all four loan applications, including : IP addresses Device/browser fingerprints Email address used Login/authentication steps Time/date stamps Copies of any electronic signatures XXXX. XXXX XXXX to remove my name from all XXXX fraudulent loan accounts. 

XXXX. Equifax, Experian, and TransUnion to delete all negative information from these fraudulent accounts under FCRA 605B. 

XXXX. Correction of my credit reports, as these fraudulent loans severely harmed my credit. 

I am a victim of identity theft and should not be held responsible for debts I never agreed to. I request CFPB intervention to force XXXX XXXX and the credit bureaus to comply with federal law. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Identity theft fraudulent private XXXX  loans reported under my name. Lender refuses to remove my name and fails to provide XXXX audit logs. Credit bureaus improperly verified despite valid FTC Identity Theft Report.

I am filing an identity theft complaint regarding four private XXXX loans issued by XXXX XXXX under my name without my knowledge or authorization. 

I have never applied for, cosigned, or approved these loans. These loans were fraudulently opened by my ex-spouse using my personal information while we were separated. We legally separated on XX/XX/XXXX, and divorced on XX/XX/XXXX. Several of the fraudulent loans were opened during this separation period. 

Fraudulent loan accounts ( all XXXX XXXX private XXXX loans ) : XXXX {$4300.00} XXXX {$4000.00} XXXX {$16000.00} XXXX {$5500.00} These loans were opened online using e-signatures without my authorization. 

I submitted a complete FTC Identity Theft Report ( Report # XXXX ), included my statements explaining the fraud, and identified the suspect ( my ex-spouse ). I also sent this documentation to XXXX XXXX as instructed. 

Despite providing all required documents, XXXX XXXX refused to remove my name or provide any XXXX authentication records, including IP address, device fingerprint, email verification, and identity validation logs used during the electronic loan application. 

This is a violation of the XXXX XXXX and FCRA obligations to provide validation when an account is disputed as identity theft. 

Furthermore, I disputed the fraudulent accounts with Equifax, Experian, and TransUnion, but Equifax incorrectly verified the account as belonging to me, despite my FTC Identity Theft Report and supporting documents. 

Under FCRA 605B, credit bureaus must block identity theft accounts within 4 business days upon receipt of a valid Identity Theft Report. This did not occur. 

I am requesting CFPB assistance to require : XXXX. XXXX XXXX to provide full XXXX audit logs for all four loan applications, including : IP addresses Device/browser fingerprints Email address used Login/authentication steps Time/date stamps Copies of any electronic signatures XXXX. XXXX XXXX to remove my name from all XXXX fraudulent loan accounts. 

XXXX. Equifax, Experian, and TransUnion to delete all negative information from these fraudulent accounts under FCRA 605B. 

XXXX. Correction of my credit reports, as these fraudulent loans severely harmed my credit. 

I am a victim of identity theft and should not be held responsible for debts I never agreed to. I request CFPB intervention to force XXXX XXXX and the credit bureaus to comply with federal law. 

Thank you.

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 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
My information was exposed during a data breach. I received an alert from XXXX  indicating new hard inquiries on my report that I did not authorize nor did I apply for. I have no new loans or applications for credit, yet there are XXXX new hard inquiries on my report for the month of XX/XX/year>. 

Please delete these unauthorized inquiries from my report : XX/XX/year> : Elan Financial XX/XX/year> : 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 2025-12-15 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:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within XXXX days. Relevant supporting documentation is enclosed.

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 2025-12-15 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:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within XXXX days. Relevant supporting documentation is enclosed.

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