vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Acrisure Mortgage Partners, LLC
State: TX

Complaint narrative:
What happened? 
We were pre-approved by XXXX XXXX ( XXXX  # XXXX ) at XXXX XXXX XXXX on XX/XX/year>, for an FHA loan. The pre-approval letter stated the loan was contingent on the sale of our current home, but this was never disclosed to us verbally. We had clearly communicated that we planned to list the home for both sale and lease and would proceed with whichever came first. 

We emailed XXXX XXXX a signed lease agreement on XX/XX/year>, and followed up via text on XX/XX/XXXX, asking if everything looked good. He never responded to either message until XX/XX/year>, at which point he told us we were no longer eligible for FHA due to leasing the home. 

Because of his failure to inform us or respond, we proceeded under the assumption we were qualified. This led to {$6800.00} in earnest money and {$4500.00} in design center upgrades, totaling {$11000.00} in financial damages. Had XXXX XXXX disclosed the restriction or responded timely, we could have adjusted our loan strategy or contract before incurring these losses. 

He later falsely claimed that we never told him about the lease but we have documented proof that we did. His inaction and misrepresentation directly caused our financial loss. 



What would you like the company to do to resolve your issue? 
We are requesting : XXXX. A formal internal investigation and appropriate disciplinary action against XXXX XXXX. 
XXXX. A full refund of the {$11000.00} in damages, or at minimum {$4500.00}, which we would not have spent if we had been given accurate loan guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed all of the items that are not reported with maximum accuracy by 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 2025-07-10 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:
I am formally disputing the presence of fraudulent data on my credit file. These entries do not belong to me and were created without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-10 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Dear Equifax and Experian Dispute Departments, This letter is a formal dispute and request for immediate reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am disputing numerous inaccurate and unauthorized entries that appear on my credit report with both bureaus. Please investigate and take action to delete or correct the following : 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 I never authorized these inquiries. Please remove them unless you can provide verifiable proof such as signed applications or digital authorizations. 

B. INACCURATE DEROGATORY TRADELINES ( Unverified Debt Collection Accounts ) : The following accounts are false, unverified, and not associated with me. I demand their immediate deletion : 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 Unless you receive valid documentation proving account ownership and assignment, these must be deleted under FCRA 1681e ( b ) and 1681i ( a ).

C. INCORRECT PERSONAL IDENTIFIERS : Please remove all entries for : Incorrect or unknown phone numbers Incorrect addresses Misspellings or variations of my name I have disputed these previously, and their continued presence violates FCRA 607 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Account Name : Sunrise XXXX XXXX XXXX Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : Account Number : Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

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 2025-07-10 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:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. Account Name : Sunrise XXXX XXXX XXXX Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX  Account Name : Account Number : Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an account that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5500.00}

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 2025-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is 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 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, I fell victim to a scam and unknowingly paid {$4900.00} to cryptocurrency scammers. Wells Fargo Bank recognized the transactions as authorized. However, despite the authorization, the transactions lacked transparency, and I was deceived. As the XXXX XXXX XXXXXXXX of my company, I was tasked with managing our XXXX account. Unfortunately, the account was hacked. My boss forwarded me a message requesting that I contact XXXX. Subsequently, my boss provided me with a phone number to reach them : XXXX ( XXXX ) XXXX. Upon speaking directly with the scammers, I was taken advantage of and they hung up abruptly, leaving me unable to contact them again.

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 2025-07-10 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: EQUIFAX, INC.
State: ND

Complaint narrative:
A debt from XXXX that I had successfully disputed and had removed was later sold to XXXX XXXX XXXX, and then to XXXX XXXX XXXX. This same account was reinserted into my credit reports without notifying me as required under FCRA 611 ( b ) ( 2 ). I filed disputes, but the reinvestigations were inadequate and did not address the fact that the account had already been deleted. Reinsertion without proper notice is a direct violation of FCRA. Failure to properly investigate is also a violation of the FCRA, one that XXXX has recently filed lawsuits over. I demand the immediate and permanent removal of this account from all three bureaus, along with a proper investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: ND

Complaint narrative:
A debt from XXXX that I had successfully disputed and had removed was later sold to XXXX XXXX XXXX, and then to XXXX XXXX XXXX. This same account was reinserted into my credit reports without notifying me as required under FCRA 611 ( b ) ( 2 ). I filed disputes, but the reinvestigations were inadequate and did not address the fact that the account had already been deleted. Reinsertion without proper notice is a direct violation of FCRA. Failure to properly investigate is also a violation of the FCRA, one that XXXX has recently filed lawsuits over. I demand the immediate and permanent removal of this account from all three bureaus, along with a proper investigation.

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 2025-07-10 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: NV

Complaint narrative:
Dear Equifax and Experian Dispute Departments, This letter is a formal dispute and request for immediate reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I am disputing numerous inaccurate and unauthorized entries that appear on my credit report with both bureaus. Please investigate and take action to delete or correct the following : 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 I never authorized these inquiries. Please remove them unless you can provide verifiable proof such as signed applications or digital authorizations. 

B. INACCURATE DEROGATORY TRADELINES ( Unverified Debt Collection Accounts ) : The following accounts are false, unverified, and not associated with me. I demand their immediate deletion : 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 Unless you receive valid documentation proving account ownership and assignment, these must be deleted under FCRA 1681e ( b ) and 1681i ( a ).

C. INCORRECT PERSONAL IDENTIFIERS : Please remove all entries for : Incorrect or unknown phone numbers Incorrect addresses Misspellings or variations of my name I have disputed these previously, and their continued presence violates FCRA 607 ( b ).

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 2025-07-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this formal complaint against Equifax for willful violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to its failure to block fraudulent accounts after I submitted all required documentation on XX/XX/XXXX, including a valid identity theft affidavit, government-issued ID, proof of address, and evidence linking my data to the Equifax breach . Despite clear obligations under 605B to block the accounts within four business days, Equifax ignored the law and instead responded with a generic verified as accurate notice, without disclosing the source or method of verificationviolating 611s mandate for a reasonable reinvestigation. This conduct mirrors the unlawful practices condemned in Andrews v. TRW Inc. and Menashe v. Bank of New York, where courts ruled that automated verifications and failure to properly investigate consumer disputes constitute noncompliance. The CFPBs XXXX XXXX further warns against these systemic failures. I demand immediate deletion of the fraudulent items, written disclosure of the verification sources used, and confirmation that this dispute has been manually reviewed as required by law. Continued noncompliance may result in legal action under 1681n for willful violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
My credit was stolen in the XXXX  and XXXX data breach which caused negative items to appear in my credit report that I have been trying to get off from identity theft XXXX XXXX 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 XXXXXXXX

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CT

Complaint narrative:
From XX/XX/year> to XX/XX/year> the company has charged me " late fees '' totaling {$150.00} in which I was never late on any payments. 
Monthly interest charges are atrocious and unethical, charging me XXXX % per month on a roughly {$1200.00} balance.

I canceled the card but continued to make monthly payments.

They reported to credit agencies as " late '' causing my credit score to plummet ( Experian XXXX points )

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