vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX Opened on XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Opened on XX/XX/XXXX Balance : {$870.00} PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX XXXX CO Inquired on XX/XX/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

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 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 
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

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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: UT

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX - XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: IA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-21 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: IA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: MS

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 2025-08-21 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 have submitted multiple formal dispute letters to Experian Information Solutions Inc .

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
Earn up to {$800.00} with a checking bonus As a resident of XXXX XXXX, you can enjoy up to {$800.00} with a checking bonus when you open a new personal checking account.1 Open your account in as little as 5 minutes online with code TEXOFR XXXX call us at XXXX, or visit our new banking center at XXXX XXXX XXXXXXXX XXXX XXXX XXXX  TX XXXX. 

Open Now ( Opens in a new tab ) Schedule an appointment XXXX XXXX TX XXXX XXXX XXXX  building Choose your checking bonus {$800.00} with Premier Checking Exclusive account packed with premium benefits to reward you for your entire banking relationship with us.

Qualify for the bonus by having an aggregate of at least {$1500.00} in ACH deposits within the first 90 days of account opening, and maintaining a monthly average balance of {$10000.00} or higher.

{$400.00} with Access Checking A full-service account with no monthly fee when you choose online statements.2 Qualify for the bonus by having an aggregate of at least {$1500.00} in ACH deposits within the first 90 days of opening your Access Checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1900.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
Over XXXXXXXX XXXX was used to load someones cash app account. Someone who is obviously not me nor linked to me in any way shape or form. I Have not disputed these charges 4 different times. They keep allowing me to reopen the dispute once they deny it on the 9th business day ( which they do it before 10 days so they don't have to give me a temporary credit ) yet they allow me to reopen the dispute with no new evidence for some reason. I literally have no money to my name because they won't give me back money for these unauthorized charges! I don't know what to do. But this isn't right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: NE

Complaint narrative:
I already filed one complaint again PHH Mortgage and of course the company did not find anything wrong with their process. Consumers beware because they will not try to resolve issues with you but instead, hold your money while charging you interest. They only returned my money after I made a call trying to figure out why my account was not closed after selling my account. They charged me almost {$2000.00} before I realized what was going on. Now I got a refund check for over payment of my loan that closed out my account and the bank will not accept the check because it does not have any bank numbers on the bottom for routing and their account. I feel they are doing this because I already filed one complaint against them. Now they owe me more money. Consumers I would caution you if you do business with them. Pay attention. They are also changing their name soon, probably so they can continue to decided us consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the XXXX XXXX  and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Finmax Smart Capital LLC
State: TX

Complaint narrative:
I made a payment arrangement with FSC, and that payment didnt go through. I promptly made a payment, which did go through. Later, I heard from my mother, my husband, and my mother-in-law that they had contacted each one of them with the following : My name is ( agent name ) with FSC, and I am calling to confirm the correct location information of ( me ). If you can assist me in providing the location information or accurate contact information for ( me ), please return my call at XXXX. Thank you. 

These family members are not on my account, and were very concerned when receiving these messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Equifax : Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Experian : Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion : TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Report. 

I am writing to formally dispute the following items on my credit report, as they are inaccurate and do not belong to me. These items are being reported under my name but are associated with my ex-husband. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account Description of Dispute : This loan account belongs to my ex-husband and is not associated with me. I request that this account be removed from my credit report. 

XXXX. XXXX Credit Card Account Description of Dispute : This credit card account does not belong to me. I request that this account be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXXAccount Description of Dispute : This credit card account does not belong to me. I request that this account be removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I request that these items be investigated and removed from my credit report immediately. 

Please conduct a thorough investigation and provide me with written confirmation of the results. I also request that you send an updated copy of my credit report reflecting the removal of these accounts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Equifax : Equifax XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX Experian : Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion : TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Equifax : Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Experian : Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion : TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Report. 

I am writing to formally dispute the following items on my credit report, as they are inaccurate and do not belong to me. These items are being reported under my name but are associated with my ex-husband. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account Description of Dispute : This loan account belongs to my ex-husband and is not associated with me. I request that this account be removed from my credit report. 

XXXX. XXXX Credit Card Account Description of Dispute : This credit card account does not belong to me. I request that this account be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXXAccount Description of Dispute : This credit card account does not belong to me. I request that this account be removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I request that these items be investigated and removed from my credit report immediately. 

Please conduct a thorough investigation and provide me with written confirmation of the results. I also request that you send an updated copy of my credit report reflecting the removal of these accounts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Equifax : Equifax XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX Experian : Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion : TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA 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 2025-08-21 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: FL

Complaint narrative:
All three credit bureaus are currently reporting inaccurate late payments on two open accounts. The first is XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX  reported open with a date of XX/XX/XXXX. The second is XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX reported open with a date of XX/XX/XXXX and showing a past due balance of {$0.00}. These entries are wrong and misleading. 

Inaccurate late payment notations harm my credit profile by suggesting to lenders and underwriters that I failed to meet my obligations when I did not. The presence of a past due : {$0.00} status is particularly troubling, because it makes no logical or legal sense. If no past due amount exists, then the account should not be reflected as delinquent in any way. This shows that the information being furnished has not been verified properly. The FCRA requires all information on a consumer report to be accurate, complete, and fully verifiable. By allowing late payments to be reported when there is no valid past due balance, the bureaus are misrepresenting my payment history and damaging my financial standing. 

This inaccuracy has already caused harm by making it appear as if I am less reliable as a borrower than I actually am. I have faced higher interest rates and reduced credit opportunities as a direct result. It is both financially damaging and emotionally exhausting to see my creditworthiness undermined by information that is not only incorrect but also contradictory on its face. I have submitted disputes, and instead of properly reinvestigating, the bureaus have allowed these false late payment records to remain, which is a clear violation of their duty under federal law.

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 2025-08-21 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: NJ

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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