vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: IN

Complaint narrative:
I am writing to formally request that you block the reporting of information on my credit file that I believe resulted from identity theft, in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c2 ]. i have filed an FTC report which is atttached on this complaint. I will continue to purse this issue until the credit reporting agency blocks all identity theft items listed on the attached documents.

Since XXXX i have been a victim of identity theft. After reviewing my credit report I've realized a ton of items that are fraud. I've reached out to all three credit reporting agencies but all they have done is verified all the information as correct.

Please see document attached for more details.

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 2025-07-02 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: CT

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-07-02 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:
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 non-monetary relief
Consumer complaint received 2025-07-02 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: FL

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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
Your Name [ Your Address ] [ City, State ZIP Code ] [ Phone Number ( optional ) ] [ Email Address ( optional ) ] Date Debt Collectors Name [ Debt Collection Agency ] [ Agency Address ] [ City, State ZIP Code ] Subject : Debt Validation Request under FDCPA To Whom It May Concern, I am writing in response to a notice I received from your agency regarding an alleged debt ( reference/account number : [ Insert Account Number if known ] ), which you claim I owe. I am formally requesting that you provide proper validation of the debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I do not acknowledge that I owe this debt. Therefore, please provide me with the following : The name and address of the original creditor.

The full amount of the alleged debt, including itemization of any interest, fees, or charges.

A copy of the original signed agreement or contract showing that I am legally obligated.

Evidence that your agency is authorized to collect this debt.

A copy of the judgment ( if any ) or verification that this debt is not time-barred under the statute of limitations.

Confirmation of whether this alleged debt has been reported to any credit reporting agencies. If so, to which agencies.

Please be advised that, according to federal law, you must cease all collection activities until this debt has been validated. Additionally, if you do not respond within 30 days, or fail to provide adequate validation, you must cease further attempts to collect and remove any negative reporting related to this debt from my credit reports.

This letter is sent in good faith and with the expectation that you will comply fully with federal law. I request that all future communication be in writing only.

Sincerely, [ Your Full Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several 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 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 # ( private case number ) 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 2025-07-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Account on Equifax credit report XXXX XXXX was included in my XXXX XXXX XXXX filed in XX/XX/XXXX and XXXX XXXX XXXX. However Equifax is reporting the account as Closed in my Bankruptcy but opened in XX/XX/XXXX and Date of First Delinquency XX/XX/XXXX ; which really wasn't my issue at first my issue is that this account is showing it has been updated as of XX/XX/XXXX. I called Equifax and spoke to XXXX XXXX In the XXXX XXXX dept who was very rude because Equifax website doesnt allow me to dispute this account, and when I spoke to him, he too denied my right to dispute as sell saying saying this account will remain on my report until XXXX of XXXX. He said that I must of contacted the creditor which is why the account has been updated because the creditor contacted them and sent them the info updating the acct in XX/XX/XXXX. I told him I have never contacted the creditor for anything and he said well the creditor sends them the info and is how the account gets updated. I said and for the reason I should be able to dispute. He said I can not dispute an account because the creditor makes an update, but claims the update is made because i must have contacted them. Then I said the dates and reasons on the acct are incorrect due to the Bankruptcy. If it was included in the XXXX why is it saying the first date of delinquency. And he said the account will delete in XX/XX/XXXX at XXXX yrs but the account says the age is XXXX and XXXX mos. In any event being denied my right to dispute online and by phone is an issue. I am supposed to be able to dispute any account on my report I feel is inaccurate and XXXX told me no and that I can not and he will not allow me to even though the creditor is sending them info allowing them to update the account that is closed and was included in my bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
I was trying to access my XXXXXXXX XXXX XXXX I was told to call a number on my tv screen. The number given to me on the screen I do not have however I spoke to XXXX at extension XXXX at XXXX. That was the number he said to call if we were disconnected. He had me add helpdesk to my phone. And I accessed my XXXX  cards, XXXX, and he had me make an XXXX XXXX  account. All of which including emails phone messages and the apps even my XXXX wallet he had me delete. XXXX went to XXXX XXXX another XXXX went to XXXX  cash the version XXXX XXXX was sent to was XXXX. My XXXX  card refused to stop payment. Chime bank even though the transaction was pending.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-02 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: OH

Complaint narrative:
On my TransUnion credit report, I found two hard inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I never applied for credit with either of these companies, nor did I give permission for them to access my credit file. These inquiries were made without my knowledge or consent and are now negatively affecting my credit profile. Additionally, I called multiple times and was told by different representatives that the issues would be resolved within 24 to 48 hours, but there are still no results or updates on how my case is being handled. Lastly, please remove any code phrases or numbers from my credit file, as I did not place any such code or phrases on my report. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ), only entities with a permissible purpose can pull a consumers credit report. If there is no application or signed authorization, the inquiry is unlawful. TransUnion has failed to remove these inquiries despite my prior requests, and no documentation has been provided proving I granted permission. 

This constitutes a direct violation of my consumer rights under federal law. I am requesting that the CFPB investigate and assist in the immediate removal of these unauthorized inquiries from my credit file.

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 2025-07-02 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: CA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am a victim of identity theft. In XX/XX/XXXX, I became aware that several fraudulent accounts and unauthorized credit inquiries had been opened in my name without my knowledge or consent. These accounts were not initiated by me and are the result of someone using my personal identifying information to impersonate me and apply for credit or services. 

I was affected by the Equifax data breach, which exposed my personal information to potential misuse. Since then, I have noticed a number of inaccurate and fraudulent items on my credit report. The following accounts were fraudulently opened and reported in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition to the fraudulent accounts, there were multiple unauthorized hard credit inquiries made on my credit file by lenders and financial institutions I have never contacted or applied with. These include : 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  These fraudulent actions have significantly impacted my credit profile and caused undue stress and harm. I have never applied for credit with these companies, nor did I authorize these inquiries. 

To address this situation, I filed an Identity Theft Report with the Federal Trade Commission ( FTC ) under report number XXXX. I am also submitting this report along with proof of identity and proof of address to support my dispute. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am requesting the immediate and permanent removal of these fraudulent accounts and inquiries from my credit report. This law provides that consumer reporting agencies must block all information resulting from identity theft once appropriate documentation is provided. 

I respectfully request that the CFPB assist in ensuring that these inaccurate and fraudulent items are fully removed and that my rights as an identity theft victim are upheld. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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:
My name is XXXX XXXX XXXX, and I am a victim of identity theft. In XX/XX/XXXX, I became aware that several fraudulent accounts and unauthorized credit inquiries had been opened in my name without my knowledge or consent. These accounts were not initiated by me and are the result of someone using my personal identifying information to impersonate me and apply for credit or services. 

I was affected by the Equifax data breach, which exposed my personal information to potential misuse. Since then, I have noticed a number of inaccurate and fraudulent items on my credit report. The following accounts were fraudulently opened and reported in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition to the fraudulent accounts, there were multiple unauthorized hard credit inquiries made on my credit file by lenders and financial institutions I have never contacted or applied with. These include : 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  These fraudulent actions have significantly impacted my credit profile and caused undue stress and harm. I have never applied for credit with these companies, nor did I authorize these inquiries. 

To address this situation, I filed an Identity Theft Report with the Federal Trade Commission ( FTC ) under report number XXXX. I am also submitting this report along with proof of identity and proof of address to support my dispute. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am requesting the immediate and permanent removal of these fraudulent accounts and inquiries from my credit report. This law provides that consumer reporting agencies must block all information resulting from identity theft once appropriate documentation is provided. 

I respectfully request that the CFPB assist in ensuring that these inaccurate and fraudulent items are fully removed and that my rights as an identity theft victim are upheld. 

Thank you for your attention to this matter.

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 2025-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
On XX/XX/year> - NewRez LLC, who holds my current mortgage contacted me to discuss my interest in refinancing. As part of this discussion, I provide my income information ( including rental income for two rental units located within the subject property ). This information is provided over the phone on a recorded line. 

On XX/XX/year> - I sign a Loan Estimate showing ~ {$2800.00} in lender credits. The {$2800.00} is a material inducement for me to proceed with the refinance. 

On XX/XX/year> - I pay the application and appraisal fees ( ~ {$750.00} ) to lock the loan as shown in the XX/XX/XXXX disclosure. 

On XX/XX/year> - XXXX get a revised Lone Estimate which shows the locked rate and the {$2800.00} in lender credits On XX/XX/year> - NewRez LLC receives the appraisal which appraises for more than the amount listed in the Loan Estimate On XX/XX/year> - NewRez LLC approves the appraisal On XX/XX/year> - NewRez LLC revises the Loan Estimate to remove the {$2800.00} in lender credits because the offered credits were only for single family homes, and they had me listed incorrectly as a single family home in their system. 

Lender credits may decrease only if there is an accompanying changed circumstance or other triggering event under 12 CFR 1026.19 ( e ) ( 3 ) ( iv ), and the creditor provides the consumer with a revised estimate within three business days of receiving information sufficient to establish that the changed circumstance or other triggering event has occurred. 12 CFR 1026.19 ( e ) ( 4 ). 

First, NewRez LLC did not provide a revised estimate within 3 days as required. 

Second, per the definition of a changed circumstance- see 1026.19 ( e ) ( 3 ) ( iv ) ( A ) ( 3 ) - the information must be new- the existence of the subject property as a 3-unit building was disclosed on a recorded line on XX/XX/XXXX to the loan originator and was not new.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XX/XX/year>, my Equifax score was XXXX, and in XXXX, it dropped to XXXX, as of the XXXX accounts I had, XXXX disappeared. 
I contacted them by phone and they couldn't tell me why, they just told me to contact each bank and ask them to resend the information. 
I did this but the banks say they already do this. 
I need a solution because my score with Transunion and Experian is great, but with Equifax it's a disaster.

Company response to consumer: Closed with explanation