vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: TN

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX To : TransUnion LLC, P.O. XXXX XXXX, XXXX, PA XXXX Experian, XXXX. XXXX XXXX, XXXX, TX XXXX Equifax Information Services LLC, XXXX. XXXX XXXX, XXXX, GA XXXX RE : FOLLOW-UP IDENTITY THEFT DISPUTE REQUEST FOR BLOCKING OF UNAUTHORIZED INQUIRIES PURSUANT TO FCRA 605B AND RELATED PROVISIONS Dear Consumer Relations Department, This is a formal follow-up regarding previously submitted documentation reporting identity theft and unauthorized access to my credit file. I submitted a valid FTC Identity Theft Report, government-issued identification, and proof of address, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ). 
Pursuant to this law, you are required to block the fraudulent inquiries listed below within four ( 4 ) business days of receiving this request and accompanying documentation. To date, these unauthorized inquiries remain on my report, and no written confirmation of deletion has been provided. These actions are in direct violation of your obligations under : 15 U.S.C. 1681c-2 ( FCRA 605B ) 15 U.S.C. 1681i ( Reinvestigation of Disputes ) 15 U.S.C. 1681g ( Full Disclosure to Consumers ) 15 U.S.C. 1681s-2 ( Duties of Information Furnishers ) CFPB Supervisory Highlights ( 2024 ) Equifax Consent Order XX/XX/XXXX Additionally, retaining unverified and unauthorized inquiries on a consumer report may constitute willful non-compliance, as ruled in XXXX XXXX Equifax ( XXXX, XXXX ) and XXXX XXXX Experian ( XXXX. XXXX, XXXX ). 
FRAUDULENT INQUIRIES TO BE BLOCKED/REMOVED ( Grouped by Company ) XXXX 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 XXXX Bureau ( s ) & Date ( s ) of Inquiry TransUnion XX/XX/XXXX, Experian XX/XX/XXXX, Equifax XX/XX/XXXX Experian XX/XX/XXXX, Equifax XX/XX/XXXX Experian XX/XX/XXXX, Equifax XX/XX/XXXX TransUnion XX/XX/XXXX, Experian XX/XX/XXXX, Equifax XX/XX/XXXX TransUnion XX/XX/XXXX TransUnion XX/XX/XXXX Experian XX/XX/XXXX Experian XX/XX/XXXX Equifax XX/XX/XXXX Equifax XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
On or about XX/XX/XXXX, I entered into a mortgage transaction with Guaranteed Rate , Inc. for a property located in Illinois. Shortly after closing, I discovered major irregularities in the mortgage contract, promissory note, escrow agreement, and loan number assignments. 

Despite submitting over 30 lawful notices and affidavitsincluding debt validation requests, fraud affidavits, and formal UCC filingsGuaranteed Rate failed to rebut or properly respond. The company provided inconsistent and evasive responses, including recycled documents that did not address the key issues raised. 

Key violations include : Unauthorized securitization and monetization of my promissory note without disclosure or consent. 

Assignment of four separate loan numbers and two XXXX XXXX  to a single transaction. 

Failure to return the original promissory note or provide proof of lawful ownership ( " Holder in Due Course '' ). 

Escrow fraud, including collection of escrow funds while failing to pay XXXX property taxes, resulting in a {$5500.00} tax bill. 

Disregard of my 508 ( c ) ( 1 ) ( A ) tax-exempt religious trust status, despite certified delivery of updated trust documents.

Violations of TILA, RESPA, FDCPA, UCC Articles 3 & 9, and RFRA, ECOA, and UNDIP. 

Continued attempts to collect and report on a debt while billing errors, fraud claims, and lawful disputes remained unresolved. 


A formal lien has been filed ( UCC File # : XXXX ) in the amount of {$740.00} XXXX by the XXXX XXXX XXXX XXXX XXXX ( XXXX ), supported by numerous sworn affidavits and fraud analysis reports. 

Guaranteed Rate has ignored lawful enforcement notices and continues to operate in bad faith, causing financial, legal, and emotional harm. I am requesting full investigation, enforcement action, and restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I filed for XXXX. I dontowe XXXX  or Caine & Werner any money and they are incorrect reporting. 

Case number : XXXX Record type XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
This CFPB complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to request that Experian immediately block and remove the fraudulent and unauthorized accounts listed below from my consumer credit report within four business days of receiving this complaint. Additionally, I dispute the accuracy of these accounts under FCRA Section 611 ( 15 U.S.C. 1681i ) and demand a lawful reinvestigation as required by federal statute. 

The following accounts are the result of identity theft and were fraudulently added to my credit file : An auto loan account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, with a balance of {$52000.00} A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$4400.00} A collection account with XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1500.00} A collection account with XXXX XXXX  opened on XX/XX/XXXX, with a balance of {$410.00} A collection account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$730.00} A state-related account with the Office of the Attorney General opened on XX/XX/XXXX, with a balance of {$0.00} Pursuant to FCRA Section 611, I demand that Experian provide full reinvestigation results for each item, including the exact method of verification and physical documentation used to confirm their accuracy. If Experian can not provide that evidence, then the continued reporting of these items constitutes prima facie fraudulent reporting and must be removed immediately.

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 2025-05-12 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-12 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: AL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KS

Complaint narrative:
I got information that my servicer MOHELA has a law suit against them about payments, misplacement of information, and incorrect information on accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to remove an outdated and inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This address is no longer associated with me, is not tied to any open accounts, and should not be reported. I previously submitted a dispute directly through Equifax, but no corrective action was taken. 

Under the Fair Credit Reporting Act ( FCRA ) including 609 ( a ) ( 1 ) ( right to access and accuracy ), 610 ( a ) ( accuracy and completeness of records ), and 611 ( timely investigation and correction of disputes ) I am entitled to an accurate credit file. I am requesting the CFPB ensure Equifax complies with the law and removes this obsolete address immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TN

Complaint narrative:
on XX/XX/XXXX I applied for to for a hoising loan foe XXXX to XXXX XXXX I got a call back feom the bank and was told that the reason for denying my application for credit was due to a tdhs ( child support ). I then requested and obtained all the information in my ( XXXX XXXX  ). I reaxhed out to child support clerk for verification of debt, and they said they do not handle that a outside company named XXXX have beenwaa givin XXXX in the amount of XXXX amonth now was XXXX to XXXX was garnished on top, and XXXX getting garnished everu month for child support every month for the past 2 years but, my credit report doesnt have me mako g my payments on time on all accounts even though i paying on all accounts on time. I have 3 cases total, 2 are closedand 1 open on credit repor but ima making paymentsI paid off one in full for back child support of when they garnished XXXX or XXXX XXXX, so thats leaves me with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of which overlapped about a year of which i was i asking for verification now i have a garnishment for past due child support which is still being paid and has been paid.I The state tn, XXXX XXXX XXXX spcifically, ssa, and XXXX each has been have been involved and caused me harm and violated my rights, I have been the victim of conduct of which is retalitory in nature .They ssa, veritas XXXX XXXX XXXX XXXX tn have commited fraud which encompasses an array of irregularities and illegal acts characterized by intentional deception. For pratical purposes fraudd may be defined as the use of deception with the intention of obtaining am advantage, avoiding an obligation, or caisong loss to another party. These include but are not limited to such activites as, False statements on my disabilitt or precieved disability, Theft of services ( T.C.A 39-14-104 ), Forgery of alteration of documents, deatruction or concealment of records. I was also a victim of assault by a company that the county holds a special interes, I could not file a grievanvce and even reached out to my district represntive about that were I was told she cant help.

Under Federal rule of civil provedure 11, by signing below, I certify to the best of my knowledge, information, amd belief that this complaint, ( 1 ) is not being presenyed for improper purpoae, such as to harass, cause unecessary delay, or needlessly increase the cost of litigatiom, ( 2 ) is supported by existing laws ( 3 ) the factual contentions have evidentory support or, if specifically so indentified, will have evindentiary support after reasonable opportunity for furtger investigation or discoveryand ( 4 ) the complaint otherwisr complies with the requirment of rule 11. 

XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$3000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-10 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$550.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I used Zelle since its inception and found out the they didn't put up proper safe guards and left amd left my money at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department of Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of the students enrolled in the federal student aid program. My information was among that dataset that has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX Original XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-10 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: TX

Complaint narrative:
b'This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal: Pursuant to 15 U.S. Code  1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four (4) business days of receiving this letter. These are the list of Items need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr 15 U.S. Code 1681a(2)(B) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.'

Company response to consumer: Closed with non-monetary relief