vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 30 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 explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: BROKER SOLUTIONS, INC.
State: IL

Complaint narrative:
We applied for a mortgage with New American Funding on XX/XX/year> for XXXX XXXX XXXX. The lender knew from the start the property was in bankruptcy, inhabitable, and 90 % complete. We sent {$10000.00} nonrefundable earnest money to the title company and provided all requested documents. The escrow holdback was explained and accepted. Despite this, the lender delayed repeatedly, then on XX/XX/year> raised a new issue and has since canceled the loan. We have now lost our earnest money and believe we were unfairly treated and possibly discriminated against.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
Im unaware of this debt and didn't have the opportunity to dispute this information if you i have received notification please send me the certified receipt with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea why its there. I check my report regularly, but this time I was met with unexpected discrepancies. I even refreshed my browser thinking it might be a glitch, but it stayed there. I need the documents Ive submitted to be reviewed immediately so I can put an end to this ongoing frustration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Trying to get a loan with a new company and my mortgage company mr cooper is reporting us 30 and 60 days late. When we are on time. They apply the payment, then take the payment away and then apply it again.And then report us late. It's hurting us to get the new loan with Haven't Home Equity and talk with XXXX XXXX XXXX her number is XXXX. This is really hurting us to get our loan and we have been doing this sense XX/XX/year>. And it was only to take 30 days. Please help my husband XXXX XXXX XXXX and XXXX XXXX XXXX get this taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, your credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These fraudulent, inaccurate, and false information consists of a personal credit card accounts and other fraudulent collection accounts since 2021. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the identity theft report filed that details the fraudulent accounts on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items.

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax 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 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC
State: WA

Complaint narrative:
Issue : Account access denied ; no recovery path ; funds withheld. 

Complaint : I have been locked out of my XXXX  account since early XX/XX/year>, despite knowing my password and login credentials. I also have my API master key and secret with full account permissions. 

The issue began when XXXX login process suddenly required both phone verification and email verification. The email verification code never arrived, despite multiple attempts. During the process, I also lost access to the email address registered to the account. 

I have tried every support option XXXX  offers : Submitted their support form XXXX times no response. 
Submitted their complaint form twice XXXX reply requested ID, a selfie, and a handwritten code ( which I provided XXXX weeks ago ). No follow-up since. 
Sent XXXX follow-up emails no response. 
Called their listed phone number redirected back to the online form. 

XXXX  offers no alternative recovery method in situations where a registered email is lost. As a licensed custodian, they are required to safeguard and return customer assets upon request. The lack of a functioning recovery process has left me unable to withdraw several XXXX dollars of cryptocurrency and has prevented potential earnings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX, I mailed a formal dispute letter to TransUnion via USPS, disputing several inaccurate and unauthorized items on my credit report. In full compliance with the Fair Credit Reporting Act ( FCRA ), I enclosed a copy of my government-issued ID, Social Security card , and a recent utility bill to verify my identity and address. 
The items I disputed included : Negative Accounts : 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 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 XXXXXXXX - XX/XX/XXXX Incorrect Personal Information : Names : XXXX, XXXX, J Addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Instead of conducting a proper investigation as required by the FCRA, TransUnion responded with a letter dated XX/XX/XXXX, stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
This response is unacceptable. I personally submitted the dispute with all the required identification and documentation. Under the FCRA, when a consumer disputes the completeness or accuracy of any item in their credit file, the credit bureau is legally obligated to conduct a reasonable reinvestigation. 
By refusing to investigate my dispute, TransUnion has violated my rights under the FCRA. I am formally requesting the Consumer Financial Protection Bureau to investigate this matter and hold TransUnion accountable for its noncompliance.

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 2025-08-11 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. Thank you. 
SEE ATTACHMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
On XX/XX/year>, I mailed a dispute letter to Experian disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Experian that was issued by them on XX/XX/year> that they received my dispute but they would not process it because they are assuming it was not authorized by me. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do its job and conduct a proper investigation on the accounts I am trying to dispute.

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 2025-08-11 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 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! 

"

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 2025-08-11 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: NY

Complaint narrative:
For the past 2 months, Mohela - former XXXX Account have been harassing myself and co-signor, XXXX XXXX, sending me emails/ audio phone messages stating my account was delinquent/past due. It should be noted that I have scheduled monthly direct deposit with XXXX XXXX XXXX XXXX XXXX payment scheduled for XXXX of every month and Mohela have taken their payment for the past XXXX consecutive months. Today, I called them and first they stated that bank had rejected XXXX payment which was incorrect because draft XXXX - XXXX XXXX XXXX XXXX XXXX was taken on XX/XX/XXXX. Then they changed position and stated I owed XXXX payment. 

It should be noted that on XXXX a refund of {$290.00} was credited to my account because of Mohela sloppy accounting. They had taken out XXXX payments in XX/XX/XXXX as opposed to monthly installment. 

On XX/XX/XXXX draft # XXXX of XXXX was credited to Mohela for my account. 

Draft # XXXX of {$290.00} was paid to Mohela on XX/XX/XXXX. 

I am requesting that Mohela stop harassing me and my cos-signor. They have been making numerous accounting errors and are causing hard working folks and elderly co-signors extreme grief. 

Thank you. 

XXXX XXXX XXXX XXXX, co-signor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Let me be absolutely clear : I am fed up with TransUnions reckless and illegal handling of my credit file. TransUnion has reinserted XXXX XXXX XXXX accounts on my TransUnion report without notice, documentation, or explanation, even though those accounts were previously deleted as unverifiable. TransUnion refused to conduct the lawful and reasonable investigation required under federal law, and I will not tolerate it any longer. I first filed a CFPB complaint on XX/XX/XXXX regarding this unauthorized reinsertion. On XX/XX/XXXX TransUnion confirmed in writing that those accounts were no longer on my TransUnion report, and I was relieved to think the matter was resolved. Yet when I pulled my credit report on XX/XX/XXXX the same accountsXXXX XXXX ( Account XXXX opened XX/XX/XXXX, balance {$29000.00} ; Account XXXX opened XX/XX/XXXX, balance {$17000.00} ) were still listed. Is TransUnion making me look stupid? TransUnion told me they were gone, yet they remain. I have disputed these accounts multiple times and each time I have explicitly demanded a proper method of verification as allowed under 15 U.S.C. 1681i ( a ) ( 7 ). What TransUnion provided instead were lifeless template replies parroting the furnisher and offering no real proof. Dont insult my intelligenceactual verification means true, source documents showing who certified these accounts and how. If TransUnion can not provide its internal records demonstrating that it obtained my signed authorization or a valid verification, then TransUnion had no right to report them at all. I possess a letter from XXXX confirming that these two accounts were not reported to any of the four major credit bureaus. That alone should have been sufficient grounds for permanent deletion, not reinsertion. Reporting without a permissible purpose violates 15 U.S.C. 1681b ( 2 ). TransUnion has no signed contract from me and no authorization to publish these accounts on my report ; if TransUnion claims otherwise, prove it with verifiable evidence. Under 15 U.S.C. 1681i ( a ) ( 1 ) TransUnion is obligated to complete a reinvestigation within 30 days and provide verifiable results, under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( 3 ) TransUnion must send proper reinvestigation results, and under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) TransUnion must notify me before reinsertion. I am angry, I am frustrated, and I am not stupid. TransUnion is blatantly violating federal law and treating consumers as if they do not notice. I will hold TransUnion accountable for every violation. Delete these accounts immediately, confirm in writing that they will never reappear, and if TransUnion does not comply I will see TransUnion in court.

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 2025-08-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Inaccurate and Unverifiable Information reporting on my credit report. XXXX XXXX guideline violations. Failure to correct after prior dispute, per 15 U.S.C. 1681i ( a ) you must conduct a reasonable reinvestigation and correct or delete unverifiable data, and this was not done. Violation of the duty of maximum possible accuracy, per 15 U.S.C. 1681e ( b ) furnishers must ensure all information is accurate and complete. Omitting full payment history and leaving data gaps violates this standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
I am submitting this complaint because my credit report contains inaccurate, incomplete, and unauthorized information that violates the Fair Credit Reporting Act. There are unauthorized hard inquiries, incorrect personal information, and unverifiable accounts reporting on my file. These errors are in direct violation of 15 USC 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy of all information included in consumer reports. They also violate 15 USC 1681i ( a ), which requires consumer reporting agencies to promptly reinvestigate any disputed items. I did not give permission to any of the companies listed to access my credit file or make hard inquiries. Their actions are a violation of 15 USC 1681b ( c ), which outlines permissible purposes for accessing consumer reports. You have failed to perform proper due diligence in confirming that the information being reported is XXXX percent accurate. This negligence has caused unnecessary damage to my credit profile and is a breach of my rights under federal law. As a victim of the XXXX  data breach, I have received alerts indicating that my personal information was exposed on the dark web. I believe these violations may be linked to identity theft and the misuse of my personal data as a result of that breach. This puts me at even greater risk and demands immediate action. I have attached a copy of my drivers license, utility bill, and Social Security card for identity verification. I am demanding the immediate deletion of all unauthorized inquiries, the removal of incorrect personal information, and the deletion of unverifiable accounts. Any failure to address this matter will be viewed as willful noncompliance and a violation of federal law. This complaint is supported by case law including XXXX XXXX XXXX  XXXX, where the court affirmed the duty of credit reporting agencies to conduct a reasonable and thorough investigation when a consumer raises a dispute. LIST OF ALL ACCOUNTS : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-11 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

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