vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive been receiving alerts about my account being past due I called XXXX they stated that I had been dropped from school but been attending since XXXX up until XX/XX/year> they stated I was dropped XXXX different times and I wasnt Ive noticed negative and false credit reports that I believe are effective due to me attempting to apply for jobs and also start my business line of credit as the reports are inaccurate I followed up with XXXX XXXX and XXXX as well which they both confirmed the errors Im in the process of a in school deferment but as I attempting to apply for business credit from lenders with my new established business I believe the inquiry makes a difference as it still shows and has been showing for months in now Im certain that all of this is on file in my records as well as theirs Im going through tough times right now I began to stress and became XXXX  once I starting receiving delinquent notices which took a toll on my grades and disrupted my focus on my exams All in all this definitely doesnt help my credit situation I believe it has only caused more harm and damages Im hoping to talk to someone about possible legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive been receiving alerts about my account being past due I called XXXX they stated that I had been dropped from school but been attending since XXXX up until XX/XX/year> they stated I was dropped XXXX different times and I wasnt Ive noticed negative and false credit reports that I believe are effective due to me attempting to apply for jobs and also start my business line of credit as the reports are inaccurate I followed up with XXXX XXXX and XXXX as well which they both confirmed the errors Im in the process of a in school deferment but as I attempting to apply for business credit from lenders with my new established business I believe the inquiry makes a difference as it still shows and has been showing for months in now Im certain that all of this is on file in my records as well as theirs Im going through tough times right now I began to stress and became XXXX  once I starting receiving delinquent notices which took a toll on my grades and disrupted my focus on my exams All in all this definitely doesnt help my credit situation I believe it has only caused more harm and damages Im hoping to talk to someone about possible legal actions

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 2025-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I called a broker from XXXX XXXX to lock in a rate for 5.98 % interest with Rocket Mortgage. Then Rocket stated that they cant lock in the rate. I had to escalate this twice to get it fixed. They took one week to even acknowledge that it was their systems error. 


I submitted ALL requested documents and letters. They gave me the Clear to Close then they changed and retracted it. My rate lock was good for 30 days. The file got transferred to a several different Underwriters and Ive had to explain everything to them multiple times. This process is now over 45 days and they still have yet to give me my clear to close even after Ive provided them with everything. 

Additionally they had to add my wife to the loan, which is fine but then they took 4 days to electronically send or disclose to my wife. 

I talked to Rocket Motrgages customer service and they wont help me either. I called my broker and he can not get any answers either. My rate lock is now expiring and the only conclusion I can only conclude that they do not want to honor the rate. this has caused me exceptional amounts of undue stress, increase in XXXX XXXX, and a slew of medical issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AZ

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-05-15 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: AZ

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've 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 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I've 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 2025-05-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MI

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 2025-05-15 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: GA

Complaint narrative:
I am writing you about the compromising of my social security number due to the XXXX  Data breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The information listed below, which appears on my credit report, does not relate to any transactions that I have ever made or an account I have opened. The account was previously deleted and has been reinserted It is the result of identity theft. : 1. 
XXXX  XXXX XXXX Account Number : 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 2025-05-15 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
IT RECENTLY CAME TO MY ATTENTION THAT THERE ARE MANY FRAUDULENT ITEMS APPEARING ON MY CHEXSYSTEMS CREDIT REPORT. I AM A VICTIM OF XXXX  XXXX  UNDER 605C AND I HAVE ATTACHED THE FOLLOWING DOCUMENTS TO PROVE SO. PLEASE REMOVE AND BLOCK THIS INFORMATION FOR ME FROM CHEXSYSTEMS BECAUSE THEY AREN'T WILLING TO DO SO.

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 2025-05-15 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
An unusual hard inquiry was made to my account and when I contacted the bank they stated someone tried to open an old XXXX card in my name and immediately declined the service I told them it was fraudulent I have not shopped at old XXXX in XXXX years or opened any credit they did mark it as fraud and will mail me a letter

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 2025-05-15 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: LA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, several hard inquiries were added to my credit report without my knowledge or permission. Specifically, I noticed the following companies pulled my credit file without my authorization : XXXX  XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ). I did not apply for any credit, loan, or service with these companies on or near those dates, and I never gave them written or electronic permission to access my credit report. As of today, the disputed inquiries remain on my credit report, and I have not received documentation from Equifax or the furnishers that proves I authorized these inquiries. This failure to remove unverifiable information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), particularly 1681b and 1681i. I am requesting the CFPB assist in ensuring that these inquiries are either validated with legally sufficient documentation or permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: PR

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My wife and I purchased a XXXX XXXX XXXX ( {$290.00} ) and a XXXX XXXX XXXX XXXX {$95.00} ) on XX/XX/XXXX, totalling {$420.00}. Please see the attached receipt for the transaction. When we tried to check out through a salesperson 's XXXX, I used my Wells Fargo card ending in XXXX, but they told us that the transaction did not go through on XXXX 's end. However, my Wells Fargo card was charged. I gave Wells Fargo a call immediately, and they confirmed the charge as well. Next, we tried wife 's XXXX card ending with XXXX on a computer POS, and the transaction was successful. I called XXXX about XXXX weeks ago, and I confirmed with the salesperson that my Wells Fargo card was actually charged. Please refund this charge. I have been waiting for a refund since XX/XX/XXXX. I already have a dispute open with Wells Fargo, but have not received an update from them or XXXX since XX/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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-05-15 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:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Fraudulent Information Under 15 U.S.C. 1681c-2 To Whom It May Concern, I am reaching out to formally dispute the presence of fraudulent information on my credit report and to request its immediate removal in compliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C.

1681c-2. Enclosed, you will find a copy of my identity theft report ( FTC Report XXXX : [ XXXX ] ) substantiating my claim. 
Pursuant to federal law, credit reporting agencies are mandated to delete any information resulting from identity theft within XXXX ( XXXX ) business days after receiving valid documentation from the consumer. The following account ( XXXX ) were fraudulently opened in my name without my knowledge or consent and must be removed without delay : Fraudulent Account ( s ) to Be Deleted : 1. Account Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] These accounts are erroneous, detrimental to my credit profile, and do not reflect any authorized activity. 
Therefore, I am requesting the following immediate actions : 1. Permanently delete the above-listed account ( s ) from all versions of my credit report.

2. Provide written confirmation that these fraudulent entries have been successfully removed.

3. Send an updated copy of my credit report reflecting these corrections.

4. Refrain from placing a fraud alert or any form of credit restriction on my file, as this is not a current or ongoing threat. Such measures would be unnecessary and inappropriate. 
Your adherence to these requests is required by law upon receipt of the enclosed documentation. I expect your full compliance and a prompt resolution as stipulated by the Fair Credit Reporting Act. 
Should you require any additional information, please contact me in writing at the address provided above. 
Thank you for your prompt attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and my 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 non-monetary relief
Consumer complaint received 2025-05-15 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: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized account/information reporting to my credit report. These remarks have been detrimental to my life and my 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