vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Unauthorized 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unauthorized 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

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally dispute one or more unauthorized hard inquiries that appear on my credit report. I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am a victim of identity misuse, unauthorized credit reporting, and post-payment financial data fraud by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. Despite full remittance of all outstanding balances and formal assignment of the accounts into a constructive trust ( XXXX XXXX XXXX recorded via public filings, these furnishers continued to report false charge-offs, inflated balances, and delinquency statuses. They obstructed lawful disputes, refused to update tradelines after public record reassignment, and monetized trust-assigned receivables without consent through internal securitizations. These acts violate the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ), the Truth in Lending Act ( 12 C.F.R. 1026.13 ), FTC Furnisher Rules ( 16 C.F.R. 660.4 ), SEC Rule 10b-5, and constructive trust law ( IRS Manual 5.17.2.8.4 ).

This is not the first complaint. Previous complaints and disputes, supported by legal authority, public filings, and admissible documentary evidence, have been lodged with CFPB and the furnishers directly. Despite constructive notice and evidentiary attachments admissible under federal law and Minnesota rules of evidence, these entities have willfully and knowingly disregarded their legal obligations. 

This complaint serves as further constructive notice that I am reserving my standing and claims for civil action in the U.S. District Court for the District of Minnesota for actual, statutory, and punitive damages resulting from willful noncompliance, fraud, securities violations, and reckless disregard of consumer protection statutes.

Immediate deletion of all fraudulent tradelines, CFPB enforcement penalties, and full regulatory referral to the DOJ, SEC, and IRS are demanded to prevent further injury and financial harm.

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 2025-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
On XX/XX/year> my loan was registered with the lender, United Wholesale Mortgage. On XX/XX/year> I locked the rate at 6.5 %. When I locked the rate, the underwriter was likely in the file and working on it. During this time, the underwriter mistakenly reduced my income to roughly {$4000.00} per month, when my loan application stated over {$20000.00} per month. This qualified me for a {$6500.00} low-income credit, labeled as a XXXX XXXX ( XXXX ) XXXX XXXX on the rate lock. That same day UWM issued a Loan Estimate reflecting the larger lender credit on the closing disclosure. On the following day of XX/XX/year> my mortgage broker notified the underwriter of the income calculation error, and the underwriter quickly corrected it, which prompted the lock desk to eliminate the increased lender credit. I nor my mortgage broker were notified of this change in the lender credit. I only discovered the reduced credit upon receiving the Closing Disclosure on XX/XX/year>. I am upset and feeling misled, as UWM should have disclosed the change in terms earlier as it is policy to inform a borrower of these changes before they occur, and it feels like it was a bait and switch. By XX/XX/year> I didn't have time to go to a different lender, as I had a short escrow required by the seller that needed to close by XX/XX/year>. I contacted UWM twice to place the credit back on the disclosure. The first time ( XX/XX/year> ) they took XXXX business days to reply stating they would not correct it. The second time ( XX/XX/year> ) they took XXXX business days to reply stating they would not, which was on XX/XX/year> a day after my loan closed on XX/XX/year>, in which I had to take a higher rate at 6.875 % in order to close and comply with the seller. Now I have a .375 % higher rate and UWM still refuses to credit the lender credit first promised in which they never notified me of the change in circumstances. I am requesting the lender credit of {$6500.00} to be paid to me and reduce my rate back down to the 6.5 % that was offered and locked as they are out of policy on notification of circumstantial changes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I have fraudulent accounts 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 2025-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I submitted a certified letter to Westlake Financial requesting a hardship restructuring of my auto loan for a XXXX XXXX XXXX ( Account # ending in XXXX ). I followed up again in writing on XX/XX/XXXX, offering a $ XXXX payment plan and requesting temporary payment suspension, APR reduction XXXX and fee review. I also made a {$50.00} good-faith payment to show my willingness to cooperate. 

To date, I have not received any written response, confirmation of my account status, or notice regarding possible repossession. I am being ignored despite multiple contact attempts, and I believe Westlake is refusing to communicate in writing or clarify if repossession is being pursued. This lack of transparency is unfair and puts me at financial risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a formal complaint against Oportun/Progreso Financiero regarding the inaccurate and misleading credit reporting of account number XXXX. This account was charged off, and there has been no activity or payments made since XXXX. However, it is still being reported with monthly payment activity through XX/XX/XXXX, which is factually incorrect and deceptive. 

Additionally, I previously disputed this account with the credit reporting agencies. They responded by stating that the account was verified as accurate. However, I understand that credit bureaus often rely on automated systems rather than conducting a full investigation, which leads to false verifications. 

Because of this, I am now directly disputing this information with you, the furnisher of the information, and requesting that you provide all supporting documentation and records associated with this account to verify the completeness and accuracy of your reporting. This includes : A copy of the original signed agreement A detailed payment history Proof of any payments made since XXXX Any communication sent to me since the account was charged off The continued reporting of inaccurate payment history is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report only complete and accurate information. Additionally, furnishing inaccurate payment history on a charged-off account is misleading and damaging to my creditworthiness. 

I am demanding the immediate removal of this account from my credit report due to the reporting of false, outdated, and unverifiable data. If this matter is not resolved in a timely and lawful manner, I will pursue further legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX account # XXXX I was a victim of identity theft. I have a police report and it is reported. Also I was never aware of this debt and never had the opportunity to dispute it until it appeared on my credit report. If you believe you sent proper notification please provide " certified mail '' with receipt displaying my signature. Please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Formal Request to Update Account per FCRA 1681i, Following XXXX Correction To Whom It May Concern, I am writing to formally request an update to my credit report to reflect the deletion/correction of the following account, which was inaccurately reported as having late payments : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX, XXXX, XXXX Basis for Dispute On XX/XX/year>, XXXX ( one of the four major consumer reporting agencies ) completed an investigation of this account and updated it to " current '' status, confirming that the late payment notation was inaccurate. Despite this, your bureau continues to report the account inaccurately. 

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ) : You are required to maintain maximum possible accuracy in consumer reports ( 1681e ( b ) ).

If information is deleted or corrected by one bureau ( XXXX ), other bureaus must reinvestigate to ensure consistency ( 1681i ( a ) ( 1 ) ).

Demand for Immediate Action I request that you : Verify the account status with XXXX and align your records with XXXX corrected reporting. 

Delete or update the late payment notation to reflect the account as " current. '' Provide me with a written confirmation of the correction and an updated credit report. 

Supporting Evidence Attached is : XXXX updated report ( dated XX/XX/year> ) showing the correction. 

XXXX account statements proving on-time payments. 

Failure to correct this inaccuracy within 30 days may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and legal action under FCRA 1681n ( civil liability for negligent noncompliance ). 

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian and TransUnion were notified over six months ago to remove account XXXX XXXX XXXX from my credit report following XXXXXXXX XXXX own admission that the account was inaccurately reported. 

In correspondence dated XX/XX/year>2024, XXXX XXXX confirmed that the tradeline was not reporting accurately and stated : XXXX discovered the account tradeline was not reporting to XXXX  Experian, and TransUnion accurately on XX/XX/scrub> 2024, and submitted a request to delete the account tradeline. Please allow up to thirty ( 30 ) days for these changes to reflect on your credit report.

XXXX has since removed the account. I am now formally demanding that Experian and TransUnion immediately delete this inaccurate and unverified information from my credit report within XXXXour ( 4 ) days of this notice. 

The original correspondence from XXXX XXXX is attached for your reference.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi my name is XXXX XXXX, I'm checking my personal information and I see fraudulent inquiries on my report please remove it as soon as possible, and here is that inquiries. 
1XXXX XXXX XXXXXXXX2025 2XXXX XXXX XXXX XXXX2025 3.cXXXX XXXX.2025 4XXXX.2025 5.XXXX XXXX XXXXXXXX2025 6.XXXX XXXX2025 7.XXXXXXXX XXXX.2025

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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I opened a checking account at BMO BANK in XXXX, Washington I submitted all the documents required, i made two deposits totaling {$4800.00} and i have not had access to those founds since opening my account. I have received bank statements in the mail by them, but never any other piece of mail stating that my account was being closed. I called my local branch and went in in person several times and they would tell me to call customer service. I called customer service and they said my account was frozen until they received my documents ( i sent in and delivered said documents everyday for 2 weeks ). After hearing nothing from the bank i called the branch and they said my account was being closed and my money was getting sent to the XXXX XXXX XXXX. I called the state and the informed me that they havent received any information related to my situation, they furthermore stated that if that was the case, that BMO failed to do its Duediligence by # 1. Not informing or giving me a notice prior to my account being closed and # 2 My account was no more than one month old prior to being closed and that was agaisnt protocol being that the only time a bank can or should submit such requests to the state is when a bank account is INNACTIVE for a MINIMUM of 3 Years. 
I called the branch again to explain what i was told by the state and they gave me the fraud departments direct number. I called the fraud department and they once again told me that my account WAS NOT being closed but rather it was frozen pending review of documents. I waited two more days and called the branch and once again they told me that my account was closing. I called the fraud department and the lady who answered * in a very rude and unprofessional manner * told me that my account WAS getting closed and that they where keeping my money * XXXX * that where deposited via two checks and that they where not going to give me my funds. They told me to call the people who wrote me those checks and have them figure out how they can get a refund or their money returned and than have them re pay me the money THEY ALREADY PAID ME to begin with, that way. 
My car now has a reposession order because i couldnt access my account to withdraw funds to make my payments

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed a copy of my credit report and notice I have fraudulent accounts on my report.

Company response to consumer: Closed with non-monetary relief