vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: MO

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Your Favorite Lenders, Inc
State: OH

Complaint narrative:
I signed an initial disclosure for a XXXX mortgage in XXXX, OH with XXXX XXXX of YourFavoriteLenders. This disclosure had a 1.55 % origination charge. Two days later after I provided proof of funds the disclosure was updated to a 3.97 % origination charge. When I asked about it the loan officer told me it was because the location of the property and risk factors associated with it. I spoke to one of the owner 's of this company and he did not dismiss or deny this fact. This is a clear case of reverse-redlining.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

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 2025-07-05 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: MN

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 explanation
Consumer complaint received 2025-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The original creditor failed to provide complete validation as requested under the FCRA, even after a 30-day final notice. Since the XXXX XXXX XXXXXXXX account is unverifiable, it must be deleted immediately. Attached is proof of communication with XXXX XXXX XXXXXXXX, including emails and letters, along with my SSN and drivers license for verification.

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 2025-07-05 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX, and Im personally filing this complaintthere is no third party involved. Im trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress.

Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent.

This has delayed both my home and business plans. Please take urgent steps to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: VA

Complaint narrative:
There are inquiries on my credit report that were added without my knowledge or consent. I was not made aware of these inquiries at the time they occurred, and I did not authorize them. These unauthorized inquiries may negatively affect how banks or lenders view my creditworthiness. I am requesting that they be removed immediately to avoid any further damage to my credit profile.

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 2025-07-05 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 kindly request the Consumer Financial Protection Bureau ( CFPB ) to assist me in the removal of unauthorized and fraudulent items from my credit file, which were opened without my consent. Your support in rectifying these fraudulent entries would significantly enhance the accuracy of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-07-05 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am requesting the immediate removal of any and all addresses listed on my credit file that do not match my current address. - ( Proof of address is enclosed to support my claim ) I have already submitted multiple requests regarding this matter, and to date, Equifax has failed to make the necessary corrections. This continued inaction is a direct violation of your legal obligation under the Fair Credit Reporting Act ( FCRA ) 611, which mandates that consumer reporting agencies must conduct a reasonable reinvestigation of disputes. 
XXXX XXXX XXXX XXXX  XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Failure to Properly Investigate Disputed Late Payment Violation of FCRA and FCBA Filed Under : Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ) I, XXXX XXXX XXXX, am filing this complaint to report a failure by a credit reporting agency and/or data furnisher to properly investigate and correct an inaccurately reported late payment on my consumer credit file. This issue has persisted for over 35 days since my initial dispute, with no valid documentation provided to substantiate the accuracy of the derogatory information. 

This dispute was submitted directly by me, and I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) to ensure that only accurate, complete, and verifiable information is reported in my credit file. 

Nature of the Dispute I disputed a late payment reported on the following account : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The dispute was based on billing error provisions outlined under 15 U.S. Code 1666 ( b ), including : Failure to accurately reflect a payment or credit issued Computation or accounting errors Lack of proper advance notice ( minimum 21 days ) before assessing or reporting a late payment Despite this, I have not received any documentary proof that substantiates the creditor 's claim that I was late. According to 15 U.S.C. 1681i ( a ), the credit bureau is required to conduct a reasonable reinvestigation and remove any information that can not be verified. 

FCRA Violations This situation constitutes multiple violations of the FCRA : 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable and timely reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification used, including the identity and contact information of the entity that verified the account 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy

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 2025-07-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The original creditor, XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ), sold the account and can not provide validation or proof that the account information is correctas I requested. They directed me to XXXX XXXX XXXX, who confirmed in writing that I have no obligation to the account and can not validate XXXX records. Since this account fails FCRA validation requirements, it must be removed immediately.

Ive included supporting documentation, along with my SSN and drivers license, as proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The original creditor, XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX ), sold the account and can not provide validation or proof that the account information is correctas I requested. They directed me to XXXX XXXX XXXX, who confirmed in writing that I have no obligation to the account and can not validate XXXX records. Since this account fails FCRA validation requirements, it must be removed immediately.

Ive included supporting documentation, along with my SSN and drivers license, as proof.

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 2025-07-05 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: NY

Complaint narrative:
I am requesting the immediate removal of any and all addresses listed on my credit file that do not match my current address. - ( Proof of address is enclosed to support my claim ) I have already submitted multiple requests regarding this matter, and to date, XXXX  has failed to make the necessary corrections. This continued inaction is a direct violation of your legal obligation under the Fair Credit Reporting Act ( FCRA ) 611, which mandates that consumer reporting agencies must conduct a reasonable reinvestigation of disputes XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I am a victim of identity theft. Someone used my personal information to apply for and open up a Chase Bank credit card accounts. The credit card account is a fraudulent account and is the result of identity theft. I have never applied for a Chase Bank credit card. The Chase Bank credit card account is fraudulent and not my account. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I am writing to file a formal complaint against Credit Karma for wrongfully locking and closing my account without proper explanation, and for withholding my funds. 

Recently, Credit Karma locked me out of my account and subsequently closed it, denying me access to my money. I have done nothing wrong and have complied with all terms of service. Despite multiple attempts to resolve the issue with their support team, I was told I must wait 710 business days to receive a check by mail for the remaining balance. 

I do not accept this delay. I need access to my funds immediately, especially since I have not violated any rules or policies. I requested that my account be reopened or that I be allowed to withdraw my money right away, but Credit Karma has refused to provide any reasonable solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Failure to Provide Verification and Maintain Accuracy of Disputed Credit File Information Filed Under : Violations of the Fair Credit Reporting Act ( FCRA ) I, XXXX XXXX XXXX, am submitting this complaint regarding the failure of a consumer reporting agency to comply with multiple provisions of the Fair Credit Reporting Act ( FCRA ) in relation to inaccurate personal and account information appearing on my credit report. 

Under 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to receive a detailed description of the reinvestigation procedure used to verify the disputed information in my file. This includes : The business name, address, and telephone number of any furnisher contacted, The name of the individual who conducted the verification, And the documentation used to support continued reporting. 

Despite my request for this information, I have not received a legally compliant response. The following items remain inaccurate, unverifiable, or otherwise improperly reported in violation of 15 U.S.C. 1681e ( b ) ( accuracy requirements ) and 1681i ( investigation obligations ).

Disputed Information Incorrect Personal Information : Previous Address : XXXX XXXX XXXX, XXXX, MI XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Employer : XXXX XXXX XXXX Department Employer : XXXXXXXX XXXX XXXX Unverified/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been trying to permanently unfreeze my credit file with Experian. I can not access my account because their system does not accept my correct password and does not send me verification codes by SMS or email. 

I tried calling multiple times, and they disconnected me or provided no help. I also attempted to send a physical letter with my ID and SSN documentation to unfreeze my credit file. 

Experian is denying me access to my own credit history and preventing me from applying for a credit card and building my financial future. 

I am requesting that Experian : - Permanently unfreeze my credit file - Remove all login/account locks - Provide a formal apology - And compensate me for my time, stress, and lost opportunity.

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 2025-07-05 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: NV

Complaint narrative:
I was turned down from purchasing a car because XXXX XXXX has me owing on a vehicle which they have. Also, Experien, Eqiufax and Traunsion have all been subjecto to a hack therefore allowing my XXXXSensitive & Person Information now public informaiton for the world to see. Student Loas as well are holding me back from certain jobs and even getting my first home. around 2-3 car dealerships I went to however I came home to about 25+ inquiries all from the salesman running my credit even after I left the premises

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 2025-07-05 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: SC

Complaint narrative:
] Subject : Dispute of Inaccurate Credit Information with Experian, TransUnion, and Equifax Dear Sir/Madam, I am writing to formally file a complaint regarding discrepancies in my credit reports from Experian, TransUnion, and Equifax. I have discovered that each of these credit bureaus reports different credit scores, and more concerningly, the accounts and debts listed under my name are not mine.

I have attempted to dispute these inaccuracies through the standard processes provided by the credit bureaus, but I have been unable to do so effectively. This has left me with unresolved issues that are negatively impacting my credit profile. 

I kindly request your assistance in investigating this matter and ensuring that the erroneous information is corrected. I am prepared to provide any necessary documentation to support my claim. 

Thank you for your attention to this urgent matter. I look forward to your prompt assistance in resolving these discrepancies. 

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