vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: PNC Bank N.A.
State: TX

Complaint narrative:
I filed a disputed transaction on XX/XX/XXXX I called to check the status on XX/XX/XXXX I was told without my authorization the agent cancelled my dispute and submitted a different one. Restarting the clock on the transaction again another 10 days fraud on the bank in the amount of XXXX from target and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
The record as displayed is inaccurate and does not fully reflect my financial conduct. I kindly ask that it be reviewed and corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : There has been no late, nor delinquent payments to US Department of Education on student loans ; however, Aidvantage [ servicer ] continues to report late, delinquent payments for XXXXXXXX XXXX XXXX XXXX  XX/XX/year>, knowing that information is factually inaccurate. Refiling COMPLAINT ( S ) for correction, because XXXX is defiantly refusing to comport with 15 USC 1692, 1681. ALL DIRECT LOAN SUBSDIZED AND UNSUBSIDIZED LOANS HAVE BEEN IN 12-MONTH FORBEARANCE SINCE XX/XX/XXXX, XXXX. I ATTEST, XXXX, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. 

Blessed, XXXX XXXX XXXX MD PHONE : XXXX EMAIL ( S ) : XXXX AND 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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB : There has been no late, nor delinquent payments to US Department of Education on student loans ; however, XXXX  [ servicer ] continues to report late, delinquent payments for XXXXXXXX XXXX XXXX XXXXXX/XX/year>, knowing that information is factually inaccurate. Refiling COMPLAINT ( S ) for correction, because XXXX is defiantly refusing to comport with 15 USC 1692, 1681. ALL DIRECT LOAN SUBSDIZED AND UNSUBSIDIZED LOANS HAVE BEEN IN 12-MONTH FORBEARANCE SINCE XX/XX/XXXX, XXXX. I ATTEST, XXXX, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. 

Blessed, XXXX XXXX XXXX MD PHONE : XXXX EMAIL ( S ) : XXXX AND XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of 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 non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Outsourcing, Inc.
State: MD

Complaint narrative:
Receivables outsourcing XXXX attempted to collect a debt starting in XX/XX/year>. They only stated that they were trying to collect a debt and they have balanced that it was originally owed, but nothing itemized. I started paying in XX/XX/year>. The woman on the phone stated that I could pay with a card {$100.00} a month but only sent me a balance when I asked which is kind of frustrating. I still have not received an itemized bill and had to request XXXX as they apparently dont give you one. Receivables outsourcing XXXX stated that they are not a debt collector, but that they have a working relationship with the hospital and dont actually have my debt bought off or anything, but theyll just send it back to the hospital. There is a little transparency with receivables, outsourcing XXXX and they try to explain a way their actions without actually giving any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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:
I sent a letter to XXXX XXXX, XXXX XXXX XXXX and XXXX  separately asking them to send me information proving that the accounts were belonged to me. They never sent the information. At this point, I disputed with Experian and asked them to provide me with all files provided to them on each account. Experian completed their reinvestigation and claimed to verify the accounts for XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX, but I never received any files or information about how they verified these accounts. They didn't provide any information on who they contacted within those companies or anything. Furthermore, the information that Experian is reporting on these accounts do not match the information on XXXX  and XXXX, therefore I know for a fact that they did not verify that the accounts were being reported accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: PA

Complaint narrative:
My credit reports contain multiple addresses and phone numbers that do not belong to me and are not current. These inaccurate personal identifiers are being reported across credit bureaus and may be causing misassociation of information and creating privacy risks.

I have previously requested corrections to ensure only my correct personal information remains on my file. Despite this, the reports still display outdated and/or unauthorized addresses and phone numbers.

I am requesting that the credit bureaus investigate and permanently delete all addresses and phone numbers that are not mine or are no longer valid, and update my file so that only accurate and current identifiers remain. This appears to violate the Fair Credit Reporting Act requirements for maximum possible accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC
State: NE

Complaint narrative:
In XXXX, my late grandmother refinanced our home through Quicken Loans ( now Rocket Mortgage ). At closing, she and I signed a legally binding closing document that explicitly stated the manner in which title will be held as Joint Tenancy With Full Right of Survivorship ( XXXX ), reflecting my grandmothers clear intent to add me to the title as co-owner with survivorship rights. 

However, Rockets affiliated title company, XXXX XXXX ( now XXXX XXXX ), never recorded the updated deed with the county. The only document recorded was the deed of trust for the mortgage. The property deed itself was never updated to reflect the XXXX ownership, and the only deed currently on record is the original one from XXXX in my grandmothers name alone. 

For years, Rocket Mortgage told my grandmother ( before her death in XXXX ) and myself ( before and after her death ) that the title was properly recorded and that no further action was needed. This turned out to be false. Only recently, after attempting to sell the home, did I discover that no updated deed was ever recorded at all. 

In XX/XX/XXXX, we spoke with XXXX XXXX, a TXXXX XXXX XXXX XXXX  with Rocket Mortgage, who stated that a new deed should have been recorded at the time of closing, especially since : I was being added as a co-owner The original deed was over a decade old The closing documents clearly specified XXXX We were switching lenders XXXX escalated the matter to XXXX XXXX who told him they would not issue a corrective deed, with no viable explanation. I called XXXX XXXX directly and spoke with XXXX XXXX, a " Resolution Advocate '' who gave me a series of contradictory and evasive answers. She refused to take accountability or issue a corrective deed, refused to escalate the matter to a supervisor or legal team, and ended the call abruptly. 

I followed up with XXXX by email and requested further action or legal contact information. Instead, I received a generic link to a third-party processing website, which did not address the situation at all. 

I believe XXXX XXXX  failure to record the deed constitutes a serious breach of duty, especially given the clear contractual documentation and legal implications of the XXXX designation. This error has now interfered with the sale of the home and title transfer efforts, causing significant financial harm and emotional XXXX  to my family during a time of medical crisis that requires relocation to another state for XXXX XXXXXXXX for my mother. 

I am requesting a CFPB investigation and a directive to Rocket XXXX  to correct the title error by issuing and recording a proper deed reflecting the XXXX XXXX XXXX, as originally intended. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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 am disputing multiple accounts appearing on my credit report that are completely unknown to me. I have never opened, authorized, or managed these accounts, nor was I aware of them until reviewing my credit file. Reporting accounts under my name that I do not recognize is unacceptable and results in inaccurate and misleading information being associated with my financial history. I take the accuracy of my credit report seriously, and the presence of these unknown accounts has caused significant concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
b'still trying to collect A DEBT THAT IS PASS THE  STATUTE OF LIMITATIONS AND EXEMPT FROM DEBT COLLECTION'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I have became a victim of identity theft someone was able to obtain my personal information such as my drivers License, social security number and other personal information and fraudulently opened up a bank accounts and conducted fraudulent activities and transactions under that account. I am highly disappointed this has happened to me im requesting this fraudulent information be removed from my consumer report 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 2025-12-26 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-12-26 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: IN

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 explanation
Consumer complaint received 2025-12-26 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: PA

Complaint narrative:
To whom may it Concern, I am filing this formal complaint against the credit bureau for repeated violations of the fair credit reporting act ( FCRA ), specifically their failure to conduct a reasonable investigation and their continued reporting of fraudulent accounts on my consumer credit file. I have disputed multiple accounts that are the direct result of identity theft and fraud. These disputes were submitted multiple times through the credit bureau 's online dispute system and clearly stated that the accounts don't belong to me. Despite this, the credit bureau continues to " verify '' these fraudulent accounts without providing any evidence, documentation, or validation proving that the information is accurate or legally attributable to me. This pattern demonstrates a clear failure to conduct a reasonable investigation as required under FCRA 611. Automated or superficial verification processes do not satisfy the bureau 's legal obligation. Repeatedly marking fraudulent accounts as " verified '' without proper investigation constitutes willful noncompliance and reckless disregard for federal law. furthermore, the continued reporting of these fraudulent accounts is causing ongoing financial harm, credit denial, emotional distress and reputation damage. The credit bureau has been placed on notice multiple times that these accounts are fraudulent, yet they have failed to delete the inaccurate information as required under FCRA 607 ( b ). I am requesting that the CFPB required the credit bureau to immediately delete all fraudulent accounts that have been improperly verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: PA

Complaint narrative:
To whom may it Concern, I am filing this formal complaint against the credit bureau for repeated violations of the fair credit reporting act ( FCRA ), specifically their failure to conduct a reasonable investigation and their continued reporting of fraudulent accounts on my consumer credit file. I have disputed multiple accounts that are the direct result of identity theft and fraud. These disputes were submitted multiple times through the credit bureau 's online dispute system and clearly stated that the accounts don't belong to me. Despite this, the credit bureau continues to " verify '' these fraudulent accounts without providing any evidence, documentation, or validation proving that the information is accurate or legally attributable to me. This pattern demonstrates a clear failure to conduct a reasonable investigation as required under FCRA 611. Automated or superficial verification processes do not satisfy the bureau 's legal obligation. Repeatedly marking fraudulent accounts as " verified '' without proper investigation constitutes willful noncompliance and reckless disregard for federal law. furthermore, the continued reporting of these fraudulent accounts is causing ongoing financial harm, credit denial, emotional distress and reputation damage. The credit bureau has been placed on notice multiple times that these accounts are fraudulent, yet they have failed to delete the inaccurate information as required under FCRA 607 ( b ). I am requesting that the CFPB required the credit bureau to immediately delete all fraudulent accounts that have been improperly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Would you take a moment to go over this entry? It might be late and erroneous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: NV

Complaint narrative:
This letter constitutes my formal dispute of one or more collection accounts currently being reported on my consumer credit file. I am exercising my rights pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

The collection accounts in question are inaccurate, incomplete, and can not be verified. To date, no original signed agreement, itemized accounting of the alleged debt, or legally sufficient proof of ownership has been produced to substantiate either the validity of the debt or the authority to report it. The continued reporting of unverifiable information is a direct violation of the Fair Credit Reporting Act, including but not limited to 1681i ( failure to conduct a reasonable reinvestigation ) and 1681e ( b ) ( failure to ensure maximum possible accuracy ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I am filing this complaint because a debt collection agency XXXX XXXX XXXX has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE COLLECTION ACCOUNTS LISTED ON MY CREDIT REPORT WERE NOT OPENED OR AUTHORIZED BY ME. I HAVE NO AFFILIATION OR RESPONSIBILITY FOR THESE ACCOUNTS.

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