vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-18 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I am requesting that Wells Fargo close my escrow account and allow me to pay my property taxes and insurance directly. My mortgage is backed by XXXX XXXX which permits escrow waivers at the servicers discretion under XXXX XXXX XXXX. I meet all eligibility criteria : my XXXX score is XXXX ( as of XX/XX/year> ), I have a perfect payment history, and my current loan-to-value ( LTV ) ratio is approximately 57.1 %. 
Wells Fargo recently accepted a property valuation of {$470000.00} to cancel my private mortgage insurance ( PMI ). However, they are refusing to use that same valuation to recalculate my LTV for escrow waiver purposes. Instead, they insist on using the original appraised value, which is inconsistent and arbitrary.

I have requested a written explanation and a copy of the servicing guidelines that prohibit the use of the updated valuation, but Wells Fargo has not provided a satisfactory response. Their refusal appears to be based on internal policy, not investor requirements, and contradicts their own acceptance of the valuation for PMI cancellation. 
I am seeking CFPB assistance to ensure that Wells Fargo applies consistent standards and honors my request to waive escrow based on the same valuation they already accepted.

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 2025-07-18 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:
I am writing to EXPERIAN to formally dispute the results of a previous investigation you conducted regarding inaccurate information on my credit report. I have reviewed the outcome, and I must strongly disagree with your findings, as the reported information remains incorrect and continues to negatively impact my credit profile. The investigation failed to resolve the inaccuracies, and I believe a more thorough and accurate reinvestigation is warranted under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ). 

I am requesting that you reopen the investigation into the disputed accounts and conduct a full and proper reinvestigation. Please verify all reported details directly with the data furnisher using original source documentation, not automated or third-party verification systems. If the account ( XXXX ) can not be properly verified, they must be removed immediately, as required by federal law. I expect a detailed response and the results of your reinvestigation within the timeframe mandated by the FCRA.

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 2025-07-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The security question they asked has incorrect information. They asked what my maternal grandmother 's maiden name was. I gave it and was told that was wrong. I checked with my sister as it was a name that could have different spellings and I had given the correct spelling. I was told that I would have to wait 72 hours for them to generate a new security question. I asked to speak with a manager and was told there is no other option. 

As I am trying to get a temporary unfreezing of my credit to shop for a HELOC to install XXXX this year while the XXXX tax credit is still available. It seems totally unacceptable that there is no other method available.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XXXX 2025 i called Discover Credit Card they let me know i had over XXXX incorrectly numbers on my credit profile as well as a incorrectly address and email. I have XXXX late payments on my credit profile that Discover must removed due to inaccuracies. I also called on XXXX and it was a number ending in XXXX that is not my phone number attached to my account. When i requested the full number, i was not told the whole number which I did request and that number was removed from my account as well. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ) the creditor must report accurate information. I never added said numbers to my account profile so late payments must be removed. Also the inaccuracies of phone numbers, addresses as well as email made me unreachable to correct said late payments. They must be removed under this pretense alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: EQUIFAX, INC.
State: DE

Complaint narrative:
This is the letter I sent to the credit bureaus TransUnion, Experian, and Equifax and no one will address my issue. It is impossible to talk to a live agent over the phone to discuss the dispute and when you send letters to the mailing address of each bureau the response is we need more information. It is very frustrating to get the issues corrected when you have a company that loves to report inaccuracies but do not want to report or make corrections. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, DE XXXX [ XXXX Last XXXX digits : XXXX ] XXXX : XX/XX/XXXX To : XXXX. XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries from Credit Report Dear Experian, I am writing to formally dispute several unauthorized hard inquiries that are currently listed on my credit report. These inquiries were not authorized by me, nor do I recall applying for credit with the companies listed. As such, they represent a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Pursuant to the FCRA, specifically : 15 U.S.C. 1681b ( c ) A consumer reporting agency may only furnish a consumer report when there is a permissible purpose, such as a firm offer of credit or insurance initiated by the consumer. 
15 U.S.C. 1681b ( a ) ( 3 ) ( A ) Reports can only be provided when there is a legitimate business need in connection with a transaction initiated by the consumer.

15 U.S.C. 1681b ( f ) No person shall obtain a consumer report unless it is for a purpose authorized by this section. 
15 U.S.C. 1681i You are required to reinvestigate any disputed information within 30 days of receiving notice from the consumer. 
Under these laws, I request the immediate removal of the following unauthorized hard inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my knowledge or proper authorization. I did not give written or verbal consent to these entities to access my credit profile, nor did I initiate any credit transaction with them. As such, they constitute a violation of my rights under the FCRA. 
Action Requested : Conduct a reinvestigation of the inquiries listed above. 
Remove the inquiries from my credit report if no valid permissible purpose is proven. 
Provide me with written confirmation of the deletion or the outcome of the reinvestigation within XXXX  days, as required by law. 
I have enclosed a copy of my identification ( government-issued ID ), proof of address, and a copy of my credit report highlighting the disputed inquiries for your reference. 
Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX : Copy of Government-Issued ID Proof of Address ( utility bill, lease, etc. ) Copy of Credit Report with Disputed Inquiries Highlighted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( 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 2025-07-18 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: PA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-18 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-18 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-18 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: IN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: IL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In my divorce decree, my ex-spouse had specific instructions to refinance or sell the property. She has modified the loan twice and has 3 missed payments on the account. My name is still on the account without my consent. XXXX XXXX said that there was nothing they could do. I have retained counsel with my ex and if the account continues on my credit report, I will be retaining counsel to sue XXXX XXXX. This has been going on since 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 2025-07-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In my divorce decree, my ex-spouse had specific instructions to refinance or sell the property. She has modified the loan twice and has 3 missed payments on the account. My name is still on the account without my consent. XXXXXXXX XXXX  said that there was nothing they could do. I have retained counsel with my ex and if the account continues on my credit report, I will be retaining counsel to sue XXXXXXXX XXXX  This has been going on since 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 2025-07-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In my divorce decree, my ex-spouse had specific instructions to refinance or sell the property. She has modified the loan twice and has 3 missed payments on the account. My name is still on the account without my consent. XXXXXXXX XXXX said that there was nothing they could do. I have retained counsel with my ex and if the account continues on my credit report, I will be retaining counsel to sue XXXXXXXX XXXX. This has been going on since XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: MD

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-07-18 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: MD

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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