vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00}

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 explanation
Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: SC

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 2025-06-18 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:
This is a formal complaint against XXXX or more credit reporting agencies ( CRAs ) for the continued and willful reporting of fraudulent accounts, unverifiable late payments, unauthorized inquiries, and incorrect personal data, in violation of federal and state consumer protection laws. 
I. Unauthorized Inquiries Names of Entities : Entities : XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Unfamiliar or Incorrect Addresses XXXX XXXX AV XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA Incorrect Employer : XXXX XXXX, COLLEGE XXXX XXXX, BENEFICIAL Violations : FCRA XXXX No permissible purpose FCRA XXXX ( b ), XXXX ( a ) Inaccurate reporting and failure to investigate FDCPA XXXX No debt validation Request : Immediate removal of all unauthorized inquiries and verification documentation for each. 
XXXX. Enforcement Demanded I demand that the CFPB enforce the following : XXXX. Removal of all late payments, fraudulent accounts, and unauthorized inquiries. 
XXXX. Correction of all inaccurate personal data and account statuses. 
XXXX. Issuance of corrected reports to prior recipients ( FCRA XXXX ( d ) ). 
XXXX. Penalties against furnishers and CRAs for repeated violations. 
XXXX. Written confirmation of every reinvestigation and correction action. 
XXXX. Supporting Evidence ( To be Submitted if Available ) Copy of government-issued ID Social Security card Police report ( if identity theft ) Prior dispute letters Screenshots or report excerpts showing inaccuracies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$9000.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$9000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( EXPERIAN ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a loan opened at XXXX XXXX XXXX on XX/XX/year> under the account number XXXX. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA 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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I am filing this complaint against Aidvantage due to their inaccurate reporting of a late payment on my credit report. 

I have repeatedly attempted to contact Aidvantage to pay or resolve the account, and they have either failed to respond & couldnt find my account or not provided a way to bring the account current. Despite these efforts, they have continued to report a late payment, which is now damaging my credit. 

This reporting is unfair and inaccurate because Ive made genuine efforts to resolve the issue, and they have not cooperated or responded. This may be a violation of my rights under the FCRA and CFPB servicing standards. 

I am requesting that the late payment be removed from my credit report, and that Aidvantage provide a response outlining their failure to assist me in resolving the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: OH

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: AE

Complaint narrative:
Started a XXXX XXXX XXXX XXXX XXXX XXXX and overtime I had increased the limit on my credit card. When the builder account matured ( {$3000.00} ), the given payout was only {$900.00}. Unknown to me, each time increase your credit limit, they intend to take the money saved on your XXXX XXXX XXXX XXXX to pose as a security deposit. When I wanted to close my account there was no option to close the credit card so I can receive the deposit money ( {$2400.00} ) back. There is no balance on my credit card which I havent used in over a year. I asked the chat support for guidance and was given a phone number ( ( XXXX ) XXXX ) that immediately says I can not speak to an operator. I have tried over XXXX times and receive the same message. I reached out to a partner bank, Lead Bank, and was given the same number and an email address ( XXXX ). I emailed them and received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
XXXX XXXX Cash app name XXXX XXXXXXXX Email XXXX They suddenly for no reason, shut down my account. They said they shut it down permanently! With absolutely no explanation. I called their XXXX number to find out why. And the person on the other end said they have no reason why. I need this account. I rely on this account. And they just shut it down for no reason. I have a right to know exactly the reason why they shut my account down. There is nothing on my end that I could understand would have been a problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian or Equifax is punishing me and will no longer allow me to dispute online after they had breaches and Ive supplied my driver license

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I started a Bank of America assumption loan of my home of XXXX yrs ( perfect payments and credit ) in early XXXX with Assumption Loan Processor XXXX XXXX XXXX ext XXXX. I sent everything she asked for weeks. She said it takes up to XXXX  days for approval. I checked on the loan Monday, XX/XX/XXXX and the file had been closed in XXXX. I never received any warning by email or letter that the file would be closed by a deadline. She said we missed XXXX email asking for a utility bill. She admitted having everything else she asked for. I have been trying re-open the loan application process and speak with XXXX XXXX about the way she treats clients. We sent the utility bill on XXXX  to her. I have left messages and emailed and week. I believe I was treated unfairly and discriminated against by Bank of America XXXX XXXX XXXX. Her communication was terrible. 

I was told by to agents the loan was approved and then the file was closed. XXXX we opened the application and the later denied the approval Bank of America Loan Assumption

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I've sent XXXX  a dispute under FCRA 611 & 623 over a Bridgecrest repossession ( XXXX XXXX XXXX ). 
Its been over XXXX  days, and XXXX  still reports it without verification. 
Attach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX TX XXXX Re : File # : [ Your Experian ID ] Dispute under FCRA XXXX & XXXX Account : DriveTime/Bridgecrest, Acct # XXXX To Whom It May Concern : I previously disputed this tradeline under FCRA 623 on XX/XX/year> and requested full verification from Bridgecrest. It has now been over XXXX days and you continue to report a repossession with a {$20000.00} balancewithout providing any proof. 

Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to : XXXX. Conduct a XXXX XXXX reasonable reinvestigation XXXX XXXX of this tradeline. 
XXXX. Furnish me with the XXXX XXXX written results XXXX XXXX  of your reinvestigation and a XXXX XXXX corrected credit file XXXX XXXX. 
XXXX. * * Immediately delete * * this entry if Bridgecrest fails to provide complete and accurate verification. 

Enclosed herewith : Copy of my original 623 dispute to XXXX  ( dated XX/XX/year> ) Copy of my 609 request to Bridgecrest ( dated XX/XX/year> ) Screenshot of your After report showing you still list the repossession If you do not delete this tradeline or substantiate it with complete, recorded proof within XXXX  days of your receipt of this letter, I will : - File a formal complaint with the * * Consumer Financial Protection Bureau * * - Notify the * * Pennsylvania Attorney Generals * * Consumer Protection Division - Initiate a * * small-claims lawsuit * * against you for statutory damages, costs, and injunctive relief This is your last chance to correct the record. I expect written confirmation of deletion or proper verification by XX/XX/year>. 

Regards, [ signature ] XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: AmeriHome Mortgage Company, LLC
State: MD

Complaint narrative:
We are healthcare professionals and became ill with XXXX, and the payment was submitted late. We attempted to pay on the portal, but the payment was returned to us, resulting in a late payment again. ( noting the time it takes for Amerihome to send any updates notifying the customer that the payment was made late again ). 

We were instructed to send in a certified cashier 's check or a personal check for XXXX consecutive months. We sent in a certified cashier 's check and XXXX personal checks. Amerihome initially removed the late fees, but not the credit reporting to agencies. Then, XXXX weeks later, we noticed that auto-pay had been turned off, and we received an email in the portal stating that my bank had rejected the checks. I had to call my bank, and I was notified that Amerihome submitted XXXX ACH payment and then attempted to send in the XXXX personal checks. I immediately informed my bank that I did not request an ACH payment ( because we were locked out of the portal, so we could only send in payments by mail ). I uploaded multiple letters to the AmeriHome 's portal and spoke with several representatives without achieving any resolution. Finally, a representative from the resolution center contacted me back via phone. I had to prove ( send him a copy of the XXXX statement, the XXXX checks, and XXXX cashier 's check ). Once he reviewed them in the portal, he stated that there was an error on the Amerihome end and that someone would call me back on the next business day. XXXX weeks later, I am still awaiting a call. 

The account is still in a negative view, stating that checks were rejected, and that we can not use auto-pay. Late fees have been applied and sent to credit reporting agencies. Amerihome has reported late payments to XXXX XXXX XXXX XXXX without providing any assistance in resolving this matter. Amerihome did not honor any one-time goodwill gestures, regardless of whether you are diagnosed with such things as XXXX. Amerihome is very difficult to work with in terms of compassion, understanding, and making sure their customers are taken care of. These are my opinions and experiences.

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