vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: OH

Complaint narrative:
I have been a victim of identity theft. I have noticed some unauthorized inquiries on my credit reports that I did not benefit from. I need these fraudulent inquiries removed from my credit reports immediately. I also have noticed some incorrect balances on my accounts, especially for my XXXX XXXX XXXX which I would also like to have corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been a victim of identity theft. I have noticed some unauthorized inquiries on my credit reports that I did not benefit from. I need these fraudulent inquiries removed from my credit reports immediately. I also have noticed some incorrect balances on my accounts, especially for my XXXX XXXX XXXX which I would also like to have 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 non-monetary relief
Consumer complaint received 2025-03-19 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:
Under FCRA 605B ( 15 USC 1681c-2 ), I am requesting the immediate blocking and removal of fraudulent accounts and inquiries from my credit report. These resulted from identity theft, the Equifax data breach, and fraud. I have attached my FTC Identity Theft Report as proof. These items must be removed within four ( 4 ) business days as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to file a formal and urgent complaint against the credit reporting agencies ( Experian, Equifax, and TransUnion ) for their egregious and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft case. Despite providing two separate FTC Identity Theft Reports, along with my government-issued identification and supporting documents, the credit bureaus have continued to share and report fraudulent information tied to my personal details.

SUMMARY OF VIOLATIONS & CFPB ACTION REQUESTED Despite multiple disputes, the credit bureaus have knowingly and negligently allowed false, fraudulent, and identity-theft-related data to remain on my credit file, violating FCRA 605B, 609, 611, and 623. These violations have caused irreparable damage to my financial standing and personal well-being. 
They have failed to block fraudulent information after receiving my FTC Identity Theft Reports, which is a direct violation of FCRA 605B.

They have refused to provide proper verification of disputed accounts, inquiries, and fraudulent addresses, violating FCRA 609.

They have knowingly and recklessly continued to furnish fraudulent information, causing harm to my financial stability, in violation of FCRA 623. 

They have ignored multiple requests to reinvestigate, despite their legal obligation under FCRA 611, resulting in prolonged financial distress. 
They have continued to share fraudulent data with third parties, actively damaging my financial reputation, which is a serious breach of federal consumer protection laws. 

HOW THIS HAS DESTROYED MY LIFE Because of the blatant failure of these credit bureaus to follow the law, I have suffered severe and ongoing harm including but not limited to : Being denied credit, housing, and financial opportunities due to fraudulent accounts and inquiries affecting my creditworthiness. 
My personal data being misused and linked to fraudulent activities, causing extreme financial distress and emotional anguish. 
Harassment from debt collectors over accounts that are NOT mine, even after providing identity theft documentation. 
An inability to rebuild my financial life because fraudulent information remains on my credit file, despite my legal right to its 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 non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to file a formal and urgent complaint against the credit reporting agencies ( Experian, Equifax, and TransUnion ) for their egregious and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft case. Despite providing two separate FTC Identity Theft Reports, along with my government-issued identification and supporting documents, the credit bureaus have continued to share and report fraudulent information tied to my personal details.

SUMMARY OF VIOLATIONS & CFPB ACTION REQUESTED Despite multiple disputes, the credit bureaus have knowingly and negligently allowed false, fraudulent, and identity-theft-related data to remain on my credit file, violating FCRA 605B, 609, 611, and 623. These violations have caused irreparable damage to my financial standing and personal well-being. 
They have failed to block fraudulent information after receiving my FTC Identity Theft Reports, which is a direct violation of FCRA 605B.

They have refused to provide proper verification of disputed accounts, inquiries, and fraudulent addresses, violating FCRA 609.

They have knowingly and recklessly continued to furnish fraudulent information, causing harm to my financial stability, in violation of FCRA 623. 

They have ignored multiple requests to reinvestigate, despite their legal obligation under FCRA 611, resulting in prolonged financial distress. 
They have continued to share fraudulent data with third parties, actively damaging my financial reputation, which is a serious breach of federal consumer protection laws. 

HOW THIS HAS DESTROYED MY LIFE Because of the blatant failure of these credit bureaus to follow the law, I have suffered severe and ongoing harm including but not limited to : Being denied credit, housing, and financial opportunities due to fraudulent accounts and inquiries affecting my creditworthiness. 
My personal data being misused and linked to fraudulent activities, causing extreme financial distress and emotional anguish. 
Harassment from debt collectors over accounts that are NOT mine, even after providing identity theft documentation. 
An inability to rebuild my financial life because fraudulent information remains on my credit file, despite my legal right to its removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: MD

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: WY

Complaint narrative:
Last year ( XXXX ) my home insurance rates jumped from {$1800.00} to {$5000.00}. I contacted my mortgage company, who purchased my loan that year from another bank and informed them that I was searching for insurance and I can not afford the {$5000.00} price. 

I then was able to purchase insurance and had a gap of 1 month. The bank, Mr. Cooper informed me that they had notated the account and that I would be charged a one time fee of around {$200.00} for the one month of lapsed insurance.

After continually receiving calls from Mr. Cooper on my insurance, I was informed to have my insurance company reach out and let Mr. Cooper know that I have coverage. 

In XXXX of this year, XXXX, I saw noticed that there was increase in my monthly payment due. Upon contacting Mr. Cooper I discovered that they send a check to my Insurance agency and decided to charge me for the insurance that had already been paid by me. 

I instantly called them and was informed that this would be updated on the system and then I could go ahead and make a payment. The next month not only was it not resolved I was charged a late fee. 

I then contacted my insurance agent and we together contacted Mr. Cooper again. We were informed that I would have to email the bank at XXXX, to let them know. It was their policy that it has to be investigated and reassured me that it would taken care off in three to five days. 

I have since emailed and called Mr. Cooper only to discover that it was denied and the reason was because the loan had an outstanding balance. I informed them that I was not making a payment of a single cent more than my correct amount, which, in their website you are unable to ; you can only the amount that they show you on screen. 

I requested for a supervisor who said she was sorry and according to XXXX XXXX, that I agreed upon at origination, I gave them the power to take home insurance escrow on my policy for the lifetime of the loan. And was told that they would be foreclose on my home if I did not pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
My credit reports contain inaccuracies that are negatively impacting my ability to obtain credit. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. As it is your legal obligation to ensure the accuracy of consumer information, I request an investigation into these accounts and inquiries. Please update or remove any unverifiable or inaccurate items to comply with FCRA regulations and prevent potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 LIFE HAS BEEN TAKEN AWAY FROM ME WITH THIS CRISIS OF IDENTITY THEFT AND HUMAN TRAFFICKING IM DEALING WITH. PLEASE HELP ME GET EVERYTHING BACK IN ORDER. IVE SUBMITTED ALL SUPPORTING DOCUMENTS FOR MY 605C.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-03-19 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: CA

Complaint narrative:
I realized after reviewing my credit profile that I had some inquiries that do not belong to me.

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 2025-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Complaint Title : Identity Theft Fraudulent Account with Credit Acceptance Corporation Dear CFPB Representative, I am submitting this complaint as a victim of identity theft. My personal information was stolen and misused, leading to the appearance of a fraudulent account on my XXXX credit report. 

Details of the Fraudulent Account : Creditor : Credit Acceptance Corporation ( CREDITACPT ) Account Number : XXXX Account Type : Installment Open Date : XX/XX/year> Monthly Payment : {$0.00} Balance : {$0.00} I want to make it absolutely clear : I have never opened, registered, authorized, paid for, or logged into this account. 
I have never signed any documents or contracts related to this account. 
This account does not belong to me, and it is a direct result of identity theft. 

Attempts to Resolve the Issue : I have already disputed this fraudulent account with XXXX, providing all necessary supporting documents, yet they failed to remove it from my credit report. 

I am attaching the following documents to this complaint : A copy of my dispute letters to XXXX Any responses received from XXXX A copy of my FTC Identity Theft Report A copy of my police report ( if available ) Any other supporting documents proving that this account is fraudulent

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 2025-03-19 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:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXXXXXX XXXX XXXX  Balance {$700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$2300.00} Open Date XX/XX/XXXX inquiries XXXX XXXX XXXX  XXXX Date XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I authorized XXXX charges in the amounts of {$100.00} and {$50.00} for my storage unit. However a second {$100.00} charge is pending and the storage company says they didn't submit it nor did I authorize it. The problem is that I can not use that money until the hold is removed and I am not able to work because of it. The storage company is adamant that it did not submit the second {$100.00} charge but the bank says they did. I believe the storage company.

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 2025-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the fair credit reporting act convergent inquiry XXXX XXXX XX/XX/2025 has violated my rights.5 U. S. C 1681 section 602 A. States I have the rights to privacy. 15 U.S. C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2025-03-19 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: TX

Complaint narrative:
These inquiries were not authorized by me, and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
Penny mac has declined any assistance. Right after I was put into a trial plan in XX/XX/2023, I missed the deadline on my first trial plan payment. I called and tried to make 2 payments and they refused to accept and told me know worries it would be ok call back with the payment. I called back a few hours later to pay and they would not accept it. I Have been trying since then to get assistance. Unfortunately, I had a flood prior to my trial plan as well as busted pipes in the house. I filed an insurance claim and it was denied. Come to find out it was the city 's fault and they refused to pay for anything. We have sent flood pictures to Penny Mac as well as utility bills showing the increases due to the flood. It ruined my furnace which had increased my electric bills. The city actually came out to fine me. They saw us trying to get rid of the water in the basement.The furnace is destroyed due to the flood in return our electric bill increased to XXXX or more a month due to broken pipes and a damaged furnace. During the winter months I had to run electric heaters to keep warm which increased to thousands of dollars. It costs alot of money to fix the pipes under the house To add to that, my boyfriend /contributor at that time was unemployed at the time. To add more fuel to the fire I have obtained guardianship of XXXX children. Very unexpected!!! We fixed the pipes and my contributor has a new good-paying job making XXXX an hour. We have sent everything to Penny Mac and they are still refusing to help. As a matter of fact, one rep I spoke with stated they were just using her gross up income never looked at my proof of public assistance received. They did not consider the XXXX in food stamps nor did they consider my contributor income .They are trying to say they can not use his income due to not being a spouse. Pg. XXXX of the USDA hand book states they can use a non-spouse income. I sent that page to them as well. We have provided information in our appeal but they are not considering other proof of income or even considering any proof of hardship and income that has been sent to them. I have been trying since XX/XX/2023. I have contacted USDA and Penny Macs upper management. Upper management has never replied.Penny Mac is a nightmare!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: MS

Complaint narrative:
Cash App is never able to pull up recent transactions or never able to approve a dispute and if I block a transaction and yall still take my money thats not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation