vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
The government shutdown started in XX/XX/year>. I called my mortgage company who agreed to assist. In turn they passed out a document stating the forbearance would only cover the month of XXXX and XXXX causing my refinancing to be rejected due to the wording of the document. Now I have to wait along with other to prove an additional 12 month of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NY

Complaint narrative:
I am reporting three fraudulent accounts appearing on my Experian and XXXX credit reports : 1. XXXX XXXX Credit Card NOT MINE 2. XXXX XXXX XXXX XXXX XXXX Installment Loan NOT MINE 3. XXXX XXXX XXXX XXXX Account NOT MINE All three accounts are 100 % fraudulent. I did not open them, authorize them, or apply for them. 

This is an identity theft case. I filed a formal FTC Identity Theft Report ( attached ). 

I also mailed certified dispute letters to all three furnishers, requesting : Immediate deletion of the fraudulent accounts Blocking of all information under FCRA 605B Written confirmation of the investigation I have attached copies of these letters and XXXX delivery proof. 

Despite this, Experian and XXXX continue to report these fraudulent accounts, and XXXX XXXXXXXX XXXX and XXXX XXXX XXXX have NOT properly resolved the identity theft. 

These fraudulent accounts are harming my credit, affecting my ability to access credit, and must be removed immediately. 

I am requesting CFPB intervention to require : For XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : 1. Immediate blocking and deletion of all fraudulent information from Experian and XXXX XXXX. Full compliance with FCRA 605B XXXX. Written confirmation of deletion For Experian and XXXXn : XXXX. Immediate suppression of these accounts 5. Full blocking under identity theft protections I am attaching the following supporting documents : My FTC Identity Theft Report Certified dispute letters sent to XXXX XXXX, XXXX XXXXd XXXX XXXX XXXX XXXX XXXXertified mail receipts and delivery confirmations Screenshots of my Experian and XXXX reports showing all three fraudulent accounts These accounts do NOT belong to me and were opened using my identity without authorization. I am requesting immediate removal and blocking under FCRA guidelines.

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 2025-12-04 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: NY

Complaint narrative:
I am reporting three fraudulent accounts appearing on my Experian and TransUnion credit reports : 1. XXXX XXXX Credit Card NOT MINE 2. XXXX XXXX XXXX XXXX XXXXl Installment Loan NOT MINE XXXX. XXXX XXXX XXXX XXXX Account NOT MINE All three accounts are 100 % fraudulent. I did not open them, authorize them, or apply for them. 

This is an identity theft case. I filed a formal FTC Identity Theft Report ( attached ). 

I also mailed certified dispute letters to all three furnishers, requesting : Immediate deletion of the fraudulent accounts Blocking of all information under FCRA 605B Written confirmation of the investigation I have attached copies of these letters and XXXX delivery proof. 

Despite this, Experian and TransUnion continue to report these fraudulent accounts, and XXXX XXXX, Self, and XXXX XXXX XXXX have NOT properly resolved the identity theft. 

These fraudulent accounts are harming my credit, affecting my ability to access credit, and must be removed immediately. 

I am requesting CFPB intervention to require : For First Progress, Self, and XXXX XXXX XXXX : XXXX. XXXX blocking and deletion of all fraudulent information from XXXX and TransUnion XXXX. Full compliance with FCRA 605B 3. Written confirmation of deletion For XXXX  and TransUnion : 4. Immediate suppression of these accounts 5. Full blocking under identity theft protections I am attaching the following supporting documents : My FTC Identity Theft Report Certified dispute letters sent to XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX certified mail receipts and delivery confirmations Screenshots of my Experian and TransUnion reports showing all three fraudulent accounts These accounts do NOT belong to me and were opened using my identity without authorization. I am requesting immediate removal and blocking under FCRA guidelines.

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 2025-12-04 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: Self Financial Inc.
State: NY

Complaint narrative:
I am reporting XXXX fraudulent accounts appearing on my Experian and TransUnion credit reports : 1. XXXX XXXX Credit Card NOT MINE 2. XXXX XXXX XXXX XXXX XXXX XXXX Loan NOT MINE XXXX. XXXX XXXX XXXX XXXX Account NOT MINE All three accounts are 100 % fraudulent. I did not open them, authorize them, or apply for them. 

This is an identity theft case. I filed a formal FTC Identity Theft Report ( attached ). 

I also mailed certified dispute letters to all three furnishers, requesting : Immediate deletion of the fraudulent accounts Blocking of all information under FCRA 605B Written confirmation of the investigation I have attached copies of these letters and XXXX delivery proof. 

Despite this, Experian and TransUnion continue to report these fraudulent accounts, and XXXX XXXX, Self, and XXXX XXXX XXXX have NOT properly resolved the identity theft. 

These fraudulent accounts are harming my credit, affecting my ability to access credit, and must be removed immediately. 

I am requesting CFPB intervention to require : For XXXX XXXX, Self, and XXXX XXXX XXXX : XXXX. XXXX blocking and deletion of all fraudulent information from XXXX XXXX XXXX XXXX. Full compliance with FCRA 605B 3. Written confirmation of deletion For XXXX XXXX XXXX XXXX  4. Immediate suppression of these accounts 5. Full blocking under identity theft protections I am attaching the following supporting documents : My FTC Identity Theft Report Certified dispute letters sent to XXXX XXXX, Self, and XXXX XXXX XXXX XXXX XXXX mail receipts and delivery confirmations Screenshots of my Experian and TransUnion reports showing all three fraudulent accounts These accounts do NOT belong to me and were opened using my identity without authorization. I am requesting immediate removal and blocking under FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax regarding messing up my credit account with others and keep adding wrong debt collection to my account. They refuse to provide validate documentation of the debt. Equifax also failed to provide notification and warning. My credit score drops significantly which bring me huge financial damage. 

Equifax has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) by : Failing to correct inaccurate information Failing to provide proper notice or documentation Reporting information that does not belong to me This inaccurate reporting has caused me harm, including : Denial of credit Higher interest rates Emotional distress Financial loss I am requesting CFPB assistance to ensure Equifax complies with its legal obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: GA

Complaint narrative:
Dear Sir/Madam, I am disputing the following accounts on my credit report with TransUnion. The details for these accounts are inaccurate and need correction. 

Charged Off 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 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 non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-04 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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 am filing this complaint with TransUnion because my personal information continues to be reported inaccurately, incompletely, and without proper verification, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). Despite my right to have this information corrected or deleted, TransUnion continues to report false identifiers, outdated addresses, and unauthorized name variations that do not belong to me. 

My ONLY correct personal information is as follows : Legal Name : XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> Employer : XXXX XXXX XXXX TransUnion is violating multiple sections of federal law, including : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Failure to properly reinvestigate disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to delete information that is inaccurate, incomplete, or unverifiable.

15 U.S.C. 1681b Allowing reporting of personal information without permissible purpose through inaccurate association.

15 U.S.C. 1681c Reporting obsolete or incorrect personal identifiers.

15 U.S.C. 1681g Failure to provide full and accurate disclosure of the information contained in my file.

I am demanding the immediate removal and permanent deletion of : All incorrect name variations All outdated or unauthorized addresses All inaccurate personal identifiers Any aliases or employer information not provided and authorized by me I am also notifying you that I have opted out of any binding arbitration agreements with your company and I am fully prepared to escalate this complaint to the CFPB, FTC, and pursue all legal remedies available if compliance is not met.

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), TransUnion is federally required to investigate and correct inaccurate information. I expect written confirmation and an updated copy of my corrected credit report within 30 days as required by law. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
The credit inquiry is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your release of my credit report, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? The inquiry was placed on my consumer file with our my permission and needs to be removed.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
FCRA Violations Identified : 1681e ( b ) : Contradictory reporting ( charge-off vs. {$0.00} balance ).

1681i ( a ) : Inadequate reinvestigation and no supporting documents.

623 ( a ) : Furnishing stale, incomplete, and unverifiable data ( no updates since 2021 ).

609 : Failure to provide verification documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
1. Previous Address Please ensure all outdated or inaccurate addresses are removed.

( No addresses listed for TU confirm and remove if present. ) 2. Charged Off Accounts Please investigate and verify the following account for accuracy and ownership : XXXX XXXX Acct # XXXX Date XX/XX/year> Amount {$420.00} If the account can not be fully verified with original documentation, I request that it be deleted. 

3. Inquiries Please review and remove any inquiries that are unauthorized or do not have a permissible purpose.

4. Positive Accounts Ensure all positive and current accounts are being accurately reported.

5. Late Payments Please verify that all late payment notations are accurate and properly documented.

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
This company unlawfully placed a garnishment hold on my bank account after previously advising that the garnishment had been dismissed and notification had been sent advising the garnishment was dismissed. My employer and my bank account are the same company, while the wage garnishment was stopped. Today the law firm placed a hold on my bank accounts for almost {$3000.00} when the alleged amount of debt was {$1700.00}. Please help me understand how that makes any sense. This account is under an active fraud investigation and this firm continues to pursue collection activity. I attempted to speak with the law firm 3 times today and they refused to speak with me or provide any insight as to what is actually going on. So here I am for the third time attempting to get this nonsense resolved for an account that I didnt even open. XXXX XXXXXXXX ( my employer and bank ) advised that to release the hold on my bank the release must come from the law firm, who refuses to speak with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize.

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 2025-12-04 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:
This is a follow-up complaint regarding [ Experian / XXXX  / XXXX ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. XXXX ( XXXX ), XXXX ( XXXX ), and XXXX v. XXXX ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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