vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-29 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: NY

Complaint narrative:
Please assist me in opening an investigation into these accounts, as they are reflecting inaccurate information on my credit report. In compliance with USC 1681g, I am formally requesting their removal within 15 days. Ive attached the appropriate documentation to support my request. It is also important to note that the account information varies and is inaccurate across all three credit bureaus.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-29 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: FL

Complaint narrative:
The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Formal Complaint and Request for Removal of Inaccurate and Unverifiable Information Dear CFPB Representative, I am writing to formally file a complaint and request an investigation into several inaccurate and potentially unverifiable items on my TransUnion credit report ( File Number : XXXX ). I have previously attempted to resolve these issues directly with the credit bureau, but the disputed information remains. 

The following accounts are inaccurately reported or are not verifiable : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account opened XX/XX/XXXX - XXXX account with a balance of {$740.00} - I have no knowledge of this debt and have not received proper validation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account opened XX/XX/XXXX - Collection balance of {$390.00} - This was previously disputed and remains unresolved. I request validation or deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account opened XX/XX/XXXX - Collection balance of {$630.00} - I have no record of being notified about this account per FDCPA guidelines.

4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged off with a {$140.00} balance - Account closed in XXXX but continues to report monthly charge-offs inaccurately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged-off account reporting monthly for over XXXX  years - No payments received and no updated communications. Please validate or remove. 

Additionally, the following inquiries were made without my knowledge or authorization : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These entries are impacting my creditworthiness and were not initiated by me. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting a thorough investigation and, if the reporting entities can not fully verify the accuracy of the data, removal of the entries in question. 

Please notify me in writing of the results of your investigation and any actions taken. I can be reached at the contact information listed above. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Subject : Formal Complaint and Request for Removal of Inaccurate and Unverifiable Information Dear CFPB Representative, I am writing to formally file a complaint and request an investigation into several inaccurate and potentially unverifiable items on my TransUnion credit report ( File Number : XXXX ). I have previously attempted to resolve these issues directly with the credit bureau, but the disputed information remains. 

The following accounts are inaccurately reported or are not verifiable : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account opened XX/XX/XXXX - XXXX account with a balance of {$740.00} - I have no knowledge of this debt and have not received proper validation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account opened XX/XX/XXXX - Collection balance of {$390.00} - This was previously disputed and remains unresolved. I request validation or deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account opened XX/XX/XXXX - Collection balance of {$630.00} - I have no record of being notified about this account per FDCPA guidelines.

4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged off with a {$140.00} balance - Account closed in XXXX but continues to report monthly charge-offs inaccurately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charged-off account reporting monthly for over XXXX  years - No payments received and no updated communications. Please validate or remove. 

Additionally, the following inquiries were made without my knowledge or authorization : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These entries are impacting my creditworthiness and were not initiated by me. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting a thorough investigation and, if the reporting entities can not fully verify the accuracy of the data, removal of the entries in question. 

Please notify me in writing of the results of your investigation and any actions taken. I can be reached at the contact information listed above. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One ( Acct ending in XXXX ) I am filing a complaint under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ) and the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) against Capital One, regarding inaccurate credit reporting and unfair treatment related to a so-called hardship plan. 

In XX/XX/year> I contacted Capital One to explain my financial hardship and requested relief. They offered a " hardship plan '' that would have required me to pay more than my standard minimum monthly payment, which I could not afford. I did not agree to or accept the plan. 

Despite this, Capital One treated the account as if I had rejected help, and I believe they may have reported late payments or derogatory marks to the credit bureaus. These reports are inaccurate and do not reflect the full context of my hardship communication. 
Capital One failed to : Clearly disclose terms of the proposed hardship arrangement Accurately represent the account status during this process Reflect that I was actively engaged in trying to resolve the account during hardship Report the account as disputed or under hardship review as appropriate These actions may violate : FCRA 623 ( a ) ( 1 ) ( A ) Providing inaccurate or misleading information to credit bureaus FCRA 623 ( a ) ( 2 ) Failing to update or correct incomplete or outdated information CFPA 10311036 ( 12 U.S.C. 5531 ) Engaging in deceptive or abusive practices

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Rocket Mortgage charged me {$190.00} for a XXXX XXXX XXXX ( XXXX ) to evaluate my home for PMI removal. The appraiser they used never entered my home, despite my explicit instructions to coordinate interior access. The final report used photos of my home that are over XXXX years old and pulled from online real estate listings that predate my ownership and major improvements. This constitutes a misrepresentation of property value, and Rocket is using this flawed report to deny my PMI cancellation. 

I demand a full refund and a new appraisal with interior access. Rocket Mortgage is deflecting accountability and failing to follow fair servicing practices under RESPA and TILA. This appears to be appraisal fraud and I am requesting enforcement action, not just a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FL, XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported TransUnion. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$3500.00} from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/XXXX was deleted from XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, 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 2025-07-29 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: MI

Complaint narrative:
I am filing this formal complaint against Experian, Equifax and Transunion regarding its failure to protect consumer data, resulting in the massive Equifax data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, these bureaus continue to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. Facts of the Complaint Exposure of Personal Data : As a result of the data breach, my personal information was exposed to unauthorized third parties without my consent. Failure to Notify in a Timely Manner : All 3 bureaus failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. Failure to Maintain Reasonable Security Practices : Experian, Equifax and Transunion violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 1681b : Experian, Equifax and Transunion failed to properly restrict access to consumer information. 1681e : Experian, Equifax and Transunion failed to implement adequate procedures to ensure consumer file accuracy and security. Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. 6801 ( b ) : Experian, Equifax and Transunion failed to implement safeguards to ensure the security of sensitive consumer data. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 5531 ( a ) : Experian, Equifax and Transunion engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) Experian, Equifax and Transunion engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.

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 2025-07-29 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Formal Complaint and Request for Removal of Inaccurate and Unverifiable Information Dear CFPB Representative, I am writing to formally file a complaint and request an investigation into several inaccurate and potentially unverifiable items on my XXXX  credit report ( File Number : XXXX ). I have previously attempted to resolve these issues directly with the credit bureau, but the disputed information remains. 

The following accounts are inaccurately reported or are not verifiable : 1. * * I.C. Systems/XXXX XXXX * * - Account opened XX/XX/XXXX - Collection account with a balance of {$740.00} - I have no knowledge of this debt and have not received proper validation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account opened XX/XX/XXXX - Collection balance of {$390.00} - This was previously disputed and remains unresolved. I request validation or deletion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account opened XX/XX/XXXX - Collection balance of {$630.00} - I have no record of being notified about this account per FDCPA guidelines. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Charged off with a {$140.00} balance - Account closed in XXXX but continues to report monthly charge-offs inaccurately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Charged-off account reporting monthly for over 3 years - No payments received and no updated communications. Please validate or remove. 

Additionally, the following inquiries were made without my knowledge or authorization : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are impacting my creditworthiness and were not initiated by me. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting a thorough investigation and, if the reporting entities can not fully verify the accuracy of the data, removal of the entries in question. 

Please notify me in writing of the results of your investigation and any actions taken. I can be reached at the contact information listed above. 

Thank you for your time and attention to this matter. 

Sincerely, 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