vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am submitting a formal dispute regarding late payment entries reported within the past XXXX years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a XXXX application on my mobile device. This XXXX, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : XXXX. Unknown third parties gained access to my financial login credentials. 
XXXX. My automatic payment settings were altered without my knowledge. 
XXXX. This interference led to the late payments that are now inaccurately reflected on my credit report. FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated.

The late payments in question do not meet verification requirements due to the nature of the incident. 
Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me.

Requested Resolution : I am requesting the following actions : 1. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

2. A written confirmation verifying that these late payments have been removed.

3. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations.

If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.

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 2025-08-16 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: NC

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries or accounts or to view my credit report. In addition, I did not permit transunion permission to furnish this incorrect information on my credit report this violation of the fair credit reporting act section 1681b ( c ) constitutes fraudulent activity, and a serious breach of my privacy rights. Please remove this account from my report. 

XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I put in report # XXXX some information I printed out and it says my home owners policy # XXXX it states I said I had been reimbursed plus more for that damage to under my sink No I would never write that I might say the insurance company was reimbursed plus more for that claim but the rest someone is still hack why would I put a complaint like that in period plus this was about my mortgage not insurance and that is XXXX problem now all these problems are becoming more serious there are communication problem I am not in my home and its destroyed by my mortgage and insurance people who I pay all this coverage and I am being treated like the criminal I have police reports on this I have federal reports no one is doing nothing but threatening me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear CFPB, I am filing this complaint against Experian and TransUnion for their continued reporting of inaccurate bankruptcy-related accounts on my credit report and their refusal to remove a XXXX-day blocking under Section 1681c-2 of the Fair Credit Reporting Act. 

Despite my disputes, both credit bureaus claim they have verified the accuracy of the information. However, I have no evidence that the bankruptcy court has provided any verification or confirmation to these agencies. The credit bureaus assertions appear to be based on incomplete or invalid third-party information, which is not compliant with the FCRA. 

Furthermore, I requested removal of a XXXX-day block under Section 1681c-2, but Experian and TransUnion have failed to comply, making excuses and refusing to take appropriate action. 

I request that the CFPB investigate these violations, require Experian and TransUnion to provide legitimate proof of verification from the bankruptcy court, and ensure the immediate removal of the XXXX-day block as required by law. 

Thank you for your assistance.

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 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I 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 2025-08-16 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:
XXXX XXXX XXXX XXXX XXXX is furnishing inaccurate, incomplete, and unverifiable information to Equifax, Experian, and TransUnion. 

On XX/XX/year>, XXXX responded to my dispute ( letter attached ) but failed to provide validation. They merely restated balances without providing original agreements, payment history, or documentation of ownership. 

Despite admitting the loans are in charge-off status, XXXX continues to report them as delinquent and update monthly, which constitutes illegal re-aging under Metro 2 standards. 

XXXX  falsely stated that credit bureaus determine how UNIFYs name appears, when in fact the furnisher is responsible for accurate Metro 2 reporting. 

My credit reports clearly show these tradelines as consumer disputes reported as fraud by consumer, yet XXXX letter ignored the fraud investigation entirely. 

Finally, XXXX threatened collection by stating charge-off does not mean uncollectable without validating or proving current ownership, which is misleading. 

These actions violate the FCRA ( 611, 623, 1681e ( b ) ), Metro 2 standards, and FDCPA.

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 2025-08-16 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is furnishing inaccurate, incomplete, and unverifiable information to Equifax, Experian, and TransUnion. 

On XX/XX/year>, XXXX responded to my dispute ( letter attached ) but failed to provide validation. They merely restated balances without providing original agreements, payment history, or documentation of ownership. 

Despite admitting the loans are in charge-off status, XXXX continues to report them as delinquent and update monthly, which constitutes illegal re-aging under Metro 2 standards. 

XXXX  falsely stated that credit bureaus determine how UNIFYs name appears, when in fact the furnisher is responsible for accurate Metro 2 reporting. 

My credit reports clearly show these tradelines as consumer disputes reported as fraud by consumer, yet XXXX letter ignored the fraud investigation entirely. 

Finally, XXXX threatened collection by stating charge-off does not mean uncollectable without validating or proving current ownership, which is misleading. 

These actions violate the FCRA ( 611, 623, 1681e ( b ) ), Metro 2 standards, and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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:
I recently pulled my credit reports from Equifax, Experian, and TransUnion and found multiple inaccuracies and unauthorized inquiries. These credit bureaus are reporting items that are : Not accurate Not properly verified Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information is 100 % accurate, verifiable, and timely. They also have XXXX  days to investigate disputes. 

Despite my written disputes sent on XX/XX/year>, these bureaus have continued to report the inaccurate items. Below is a summary of disputed items : Experian : Inquiries/accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX among others. 

TransUnion : Inquiries/accounts from XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX among others. 

Equifax : ( similar issues reflected in the attached Equifax letter ). 

Additionally, these inquiries do not appear to have a permissible purpose as defined by FCRA. The only permissible purposes are : Firm offer of credit Insurance Court order Employment ( with written consent ) None of these apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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:
I recently pulled my credit reports from Equifax, Experian, and TransUnion and found multiple inaccuracies and unauthorized inquiries. These credit bureaus are reporting items that are : Not accurate Not properly verified Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information is 100 % accurate, verifiable, and timely. They also have XXXX  days to investigate disputes. 

Despite my written disputes sent on XX/XX/year>, these bureaus have continued to report the inaccurate items. Below is a summary of disputed items : Experian : Inquiries/accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX among others. 

TransUnion : Inquiries/accounts from XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX among others. 

Equifax : ( similar issues reflected in the attached Equifax letter ). 

Additionally, these inquiries do not appear to have a permissible purpose as defined by FCRA. The only permissible purposes are : Firm offer of credit Insurance Court order Employment ( with written consent ) None of these apply.

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 2025-08-16 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: MS

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiry XXXX XXXX - XXXX Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. 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 hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST NATIONAL BANK OF OMAHA
State: SC

Complaint narrative:
To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit but also damaging my financial well-being and seriously hurting my character.

Enclosed with this letter are the details of the account and dispute, with all my personal information to verify my identity to help expedite this process. By provision of 15 USC section 168Li of the fair Credit Reporting Act, these items need to be investiga
ted. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show PAID IN FULL/AS AGREED or remove this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. The outline is completely inaccurate and there is a very serious error in reporting, please update this information : This account is listed as a collection/charged off account on my credit report, but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099 to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete it immediately.

Pursuant to 15 US section 168l i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy of and completeness of the information, to be provided within 15 days of the completion of your investigation. 
I appreciate your prompt attention to this matter as these may seem like small reporting errors to you, but they are serious offenses in my report when its time to purchase a home for my family, a vehicle, look for a business loan or even to obtain employment. Please consider expediting this process for me. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: GA

Complaint narrative:
The account was originally deleted and then reposted on the account about 11 months ago. The XXXX account holder closed the account due to personal reasons which I had no control of. After the primary account holder closed the account on or about XX/XX/year>, the company reported that the account was late XXXX to 119 days on my credit reports. The amount of the account was {$9800.00} with {$980.00} due after the 119 days. I reached out to the credit card company and the XXXX XXXX XXXX via telephone and certified letters to correct the matter. XXXX credit bureau has corrected this mistake whereas the rest has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a business account with chase bank the account ended in numbers XXXX they closed my account and have yet to send me the remaining funds. I am the owner of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ein # XXXX and they say they can not link me XXXX XXXX to the business

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
Hi. My name is XXXX XXXX and in the early hours of Friday XX/XX/XXXX I was robbed of upwards of XXXX XXXX in XXXX, XXXX. 

A list of the unauthorised transactions are below : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am only just sobering up now and believe that I was XXXX  by club owners & XXXX workers, who went on to manipulate me to make these transactions against my will. It was the end of a night out with a friend and we were invited into a bar to have a free beer. I was approached by a young Ukrainian woman with whom I started to chat. She invited me to a private room where they charged me again and again and again, using XXXX XXXX. I believe there were times where I was unconscious and they still used my phone to make these transactions, holding it up to my face. As you can see from the transactions, they incrementally increased the values of the transactions seeing how much they could take from me. The transactions were all from my business account, where I receive my payments from work. The account is run through Wise, who I am hoping will reimburse/ reverse the transactions. 

When I came to, at approximately XXXX, I had been kicked out of the so called bar and was on the street. My mobile data had been turned off so I was unable to contact my friend, who had tried to call me at around XXXX to take me home, until I realised. This demonstrates that these people do this as a profession, as this was a manipulative and cunning move. Security told my friend I had left already which was untrue. 

I am mortified, scared and ashamed. I do not know how I ended up in this situation and feel I have been the victim of severe fraud. Please help me.

Company response to consumer: Closed with explanation