vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: DE

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized hard inquiries that have been made on my credit report without my knowledge or consent. These inquiries are negatively impacting my credit score and making it extremely difficult for me to secure a loan. I have already reached out to the credit reporting agencies ( XXXX XXXXransUnion, and XXXX  ) to dispute these entries but have not yet received a resolution. 

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Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized hard inquiries that have been made on my credit report without my knowledge or consent. These inquiries are negatively impacting my credit score and making it extremely difficult for me to secure a loan. I have already reached out to the credit reporting agencies (XX/XX/XXXX, and Experian ) to dispute these entries but have not yet received a resolution. 

XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
On XX/XX/year>, XXXX XXXX ( XXXX was XXXX ) came out to my residence to provide information on installing XXXX XXXX The price that I was quoted was {$3900.00}, with financing through XXXX. The ran my credit and it was approved, however, I rescinded the contract within 3 days under the Georgia law, in writing notifying both the salesperson and the manager. I also provided the letter of rescission to XXXX. For XXXX years now, I have repeatedly contacted XXXX in an effort to get them to remove the item from my credit report. I never received any services from XXXX XXXX and they never installed any gutter guards on my house. I actually had another company that put the gutter guards on my house, and I have the invoice to show that. In addition, to seeing this item on my credit report for the past XXXX  years, XXXX is also showing interest with a current balance of {$4400.00}. Every time I file a dispute, they come back and show the account as suspended, but it is still on my credit report, and I do not owe XXXX XXXX XXXX XXXX, because I rescinded the contract. The status is still showing as open/never late, but it should not be on my credit report. It shows that it is in forbearance, but again it should not be on my credit report. During XXXX of my conversations with XXXX, they claimed they disbursed the money to XXXX XXXX and have been unsuccessful in getting them to response. My response to them was that's between XXXX and XXXX XXXX and has nothing to do with me because I rescinded the contract within the timeframe allowed and I did not receive any services from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: AZ

Complaint narrative:
This complaint is a follow-up to CFPB cases I already have open regarding Experians inaccurate reporting of a collection account from XXXX XXXX XXXX XXXX The original creditor was removed due to fraud, yet XXXX XXXX continues to furnish false information. 

I disputed the account with Experian, and they marked it verified without providing any Method of Verification as required by FCRA 611. I have requested Experian provide verification details, including the original data source and documentation, and they have failed to comply. This has caused continued credit damage, denial of financing, and financial/emotional harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment information being reported to the credit bureaus by the following creditors : XXXX XXXX Account shows 6 missed payments and is marked as closed. This is inaccurate. 

CB/VICSCRT ( Comenity Bank/Victorias Secret ) Account shows 4 missed payments and is marked as closed. This is inaccurate. 

XXXX Account shows 3 missed payments and is marked as closed. This is inaccurate. 

XXXX XXXX ( XXXX ) Account is listed as currently on-time, but incorrectly shows 2 missed payments. 

XXXXXXXX XXXX  ( XXXX XXXX ) Account is also marked currently on-time, yet reflects 2 missed payments, which is not true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: VA

Complaint narrative:
company fraudulently is reporting accounts with inaccuracies on my account, other bureaus have removed these accounts but Equifax refused to remove and is violating my fcra rights in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-06-27 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: MD

Complaint narrative:
I am a victim of identity theft. There are multiple accounts being reported on my TransUnion credit file that do not belong to me and were opened without my authorization. These include : A closed XXXX XXXX XXXX XXXX credit card with 5 missed payments A XXXX credit card with 6 missed payments Two closed loan accounts from XXXX, each with 1 missed payment I have filed an identity theft report with the FTC and submitted the required documentation. I am requesting that these fraudulent accounts be permanently deleted from my TransUnion credit file under my rights per the Fair Credit Reporting Act ( FCRA ), specifically under 605B which requires the credit bureaus to block identity theft-related information upon proper documentation.

Please conduct a reinvestigation, remove these unauthorized accounts, and confirm removal in writing. These errors are causing harm to my creditworthiness and must be corrected 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 non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I had autopay turned on to take the full balance on my account. As I had made a large purchase on the account I had paid the full amount off about a week early in XXXX. On XX/XX/XXXX they took full payment which left me with a {$2900.00} credit balance. 

I requested a credit balance refund which they said they issued on XXXX but the check never arrived. Since then I have called 3 more times and keep getting told they have escalated and reissued the check but I never get it. 

XXXX have provided no other alternatives on how I can get my money back and I am owed XXXX XXXX. Had I not paid my bill since XXXX surely I would be hit with lots of interest and fees. 

On the last occasion the customer service rep raised a complaint case. I am losing faith how I can get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-27 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: MS

Complaint narrative:
Ive received a copy of my credit report and noticed several inaccurate and unauthorized accounts information reporting to my credit report. These results have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: MS

Complaint narrative:
Ive received a copy of my credit report and noticed several inaccurate and unauthorized accounts information reporting to my credit report. These results have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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:
Please remove these fraudulent account due to Equifax data breach identity theft. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX { Last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  } Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # XXXX Dear Equifax Dispute Resolution Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the Equifax data breach. I have included a copy of my Identity Theft Report # XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize.

The details of the fraudulent account are as follows : ACCOUNT. OPEN DATE I XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Violation of 15 U.S. Code 1681o Violation of 15 U.S. Code 1681n ( b ) ( Failure to comply with 15 U.S. Code 1692 ( g ) Violation of 15 U.S. Code 1681b ) Violations under 15 U.S. Code 1681c Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ) Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I am submitting this complaint regarding a paid and closed account with Affirm Inc. that continues to appear on my credit report with a negative impact. The account was opened on XX/XX/year>, with an original balance of {$250.00}. I paid the full amount, and the status was updated to " Paid, Closed '' in XX/XX/year>. 

Despite this, the account is still listed in a manner that negatively affects my credit, as it appears in the collections or derogatory section on at least one of my credit reports. I believe this is a misleading and unfair representation of a closed and satisfied account. 

I have already contacted the credit bureaus and Affirm to request that the account either be removed or updated to reflect that it is paid with no negative status, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that all credit reporting must be accurate and not misleading.

This inaccurate reporting is harming my credit score, despite my fulfilling my financial obligation. I am asking the CFPB to intervene and ensure that this account is either fully removed from my credit report or corrected to reflect only a neutral or positive status, as it was paid in full and closed nearly XXXX years ago. 

Thank you for your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
i have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
i have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rocket Mortgage, LLC
State: WY

Complaint narrative:
Rocket Mortgage falsely labeled a {$5900.00} child support payoff as Upfront Mortgage Insurance Premium ( UFMIP ) to the Federal Housing Administration on our XX/XX/year> Closing Disclosure. This amount exactly matched a known arrears balance owed to the Tennessee Department of Human Services ( TN DHS ), which was separately listed again on page 3 of the same disclosure as a Payoff to TN DHS.

This charge was not an FHA UFMIP, and Rocket Mortgage had already acknowledged internally that it stemmed from an undisclosed internal overlay, not a federal requirement. Despite this, they left the mislabeled charge on the disclosure and required us to sign it. 

After legal escalation, Rocket Mortgage quietly dropped our final cash-to-close by roughly {$6000.00} the exact amount of the mislabeled fee without ever issuing a corrected disclosure or admitting that the original UFMIP line was false. 

This constitutes : A Truth in Lending Act ( TILA ) violation for misrepresenting the nature of a loan cost.

A RESPA violation for failing to accurately disclose closing charges.

Potential fraud or deceptive practice, as the act appears intentional and aimed at concealing the overlay-based payoff from regulators.

This was not a misunderstanding the charge was double-listed and remained falsely labeled in federally regulated closing documents. We signed those disclosures based on inaccurate and misleading information. I am requesting immediate regulatory investigation, enforcement, and full restitution. 

We have retained full documentation including : Original XX/XX/year> Closing Disclosure showing UFMIP = {$5900.00} Separate listing of TN DHS payoff for the same amount Addendum confirming the {$5900.00} went to TN DHS Final closing cost reduction ( ~ {$6000.00} ) with no explanation or reclassification This issue stands independent of our prior CFPB complaint regarding Rockets use of an undisclosed overlay. This is about the false labeling and concealment of a non-FHA payoff as FHA insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: PA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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