vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern I am filing this complaint because my credit report contains inaccurate information and multiple unauthorized inquiries that violate my rights under the FCRA. These items are not mine, were never authorized by me, and continue to damage my credit profile. I am requesting CFPB intervention to enforce proper reinvestigation and correction. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff I have no knowledge of this account and have never authorized or opened any such auto account, nor have I ever received any contract, billing statement, or proof linking me to this alleged debt. Reporting a charge-off without furnishing legally required documentation violates FCRA 602A , 607 ( b ), 609 ( a ) ( 1 ), and 611. Since you can not verify an account you can not validate, you must delete this account immediately for failure to provide a complete and accurate investigation. 

XXXX XX/XX/XXXX I never gave authorization or initiated any credit request with this company. This is a violation of permissible-purpose rules under FCRA 604 and must be deleted. 

XXXX XXXX XXXX XX/XX/XXXX This inquiry is not mine and was made without any permissible purpose. Remove immediately under FCRA 604 and 607 ( a ). 

XXXX XXXX  XX/XX/XXXX I never initiated any credit request with XXXX XXXX This inquiry violates FCRA 604 and must be deleted. 

XXXX XXXX XXXX XX/XX/XXXX Unauthorized access to my consumer report. No consent, no application. FCRA 604 ( a ) prohibits this. Remove immediately. 

XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX I did not authorize this inquiry. There is no lawful purpose under FCRA 604. Remove immediately. 

XXXX XXXX XX/XX/XXXX This inquiry was not authorized by me. Reporting an inquiry with no permissible purpose violates FCRA 604 and 611. Remove immediately. 

XXXX  XXXX XXXX XX/XX/XXXX Unauthorized access to my file. No application or consent. Delete under FCRA 604 and 607 ( a ). 

In conclusion I request the CFPB to require permanent deletion of the unauthorized inquiries and removal of the inaccurate account. These items are not mine and violate federal law. I ask the CFPB to ensure full compliance with all FCRA and FDCPA requirements.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am reporting inaccurate information being maintained and reported by Equifax. XXXX  has already removed several accounts from my credit file after completing their investigation, but Equifax continues to report these same accounts even though they are inaccurate, incomplete, or unverifiable. 

I have attempted to resolve these inaccuracies through Equifaxs dispute process, but they continue to verify information that is inconsistent with XXXX  results and inconsistent with the documentation I provided. 

I am requesting that Equifax conduct a proper reinvestigation under the FCRA, provide verification of all accounts they are reporting, and remove all inaccurate, obsolete, inconsistent, or unverifiable information. 

This incorrect reporting is negatively affecting my creditworthiness and preventing my family from securing housing. I need the CFPBs assistance to ensure Equifax updates my report accurately and complies with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This is not acceptable unauthorized access to my credit report by multiple companies has directly damaged my credit and credit score. I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed. That promise has been broken ; these inquiries persist. This blatant failure to act is intolerable. The ongoing presence of these potentially fraudulent entries strongly indicates identity theft and must be addressed immediately. This unresolved issue is causing severe emotional and financial harm.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Ive notice several inaccuracies and unauthorized accounts/information reporting to my credit report.These remarks have been detrimental to my life and credit health..

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 2025-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
I am filing this complaint against Round Point Mortgage Servicing LLC ( RPM ) for gross negligence, systemic escrow accounting manipulation, and failure to comply with my Notice of Error ( QWR ) under RESPA before taking the contested action. 

The core issue is that RPM has deliberately created a false shortage by manipulating my starting escrow balance to {$2000.00}, when the true balance is {$4100.00}. 

Chronology of Events and Documentation : 1. RPM 's Analysis Error : RPMs recent Annual XXXX XXXX claims an erroneous shortage. The cause is RPMs decision to deduct {$2100.00} from my true starting balance on paper, falsely claiming a payment or obligation exists. This {$2100.00} figure is stale, incorrect, and has no basis in fact. 

2. Multiple Formal Notices Sent : I provided three separate notices of this error before the payment was made : Certified Mail QWR # 1 ( Mailed XX/XX/XXXX ) : Original legal notice. 

Certified Mail QWR # 2 ( Mailed XX/XX/XXXX ) : Sent after realizing RPM was applying the 2nd tax installment in XXXX. RPM received this notice on XX/XX/XXXX. 

Courtesy Email ( XX/XX/XXXX ) : Sent follow-up reinforcing the need to correct the balance and payment schedule. RPM has failed to acknowledge or respond to this email. 

XXXX. Act of Non-Compliance : On XX/XX/XXXX, XXXXone day after receiving my legal noticeRPM made the contested Second Tax Installment disbursement of {$2400.00}. RPM took this contested action without first investigating or resolving the Notice of Error, which specifically challenged the accounting around this disbursement. 

XXXX. Proof of Systemic Error : RPM is ignoring the official XXXX XXXX tax due date of XX/XX/XXXX. By disbursing the payment on XX/XX/XXXX and failing to use my true starting balance, RPM has executed a systemic, self-created error designed to ensure my escrow account shows a deficit when it should show a surplus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX and the XXXX credit bureaus ( Equifax, Experian, and TransUnion ) are reporting incorrect and inconsistent information on a closed credit card account. I have already disputed this information, but the errors are still showing. 

Under the Fair Credit Reporting Act, credit bureaus must report information with maximum possible accuracy ( FCRA 1681e ( b ) ) and must properly investigate disputes ( FCRA 1681i ). The information being reported on this account is not accurate, not consistent, and can not be verified. 

The account is shown as closed/charged off, but there is no Date Closed listed.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am reporting inaccurate information being maintained and reported by TransUnion. XXXX  has already removed several accounts from my credit file after completing their investigation, but TransUnion continues to report these same accounts despite them being inaccurate, inconsistent, or unverifiable. 

I previously disputed these items, but TransUnion failed to conduct a proper investigation and verified incorrect information. 

I am requesting that TransUnion comply with the FCRA, reinvestigate my disputes, and provide documentation proving the accuracy and ownership of the accounts they are reporting. 

The continued inaccurate reporting is causing harm, including issues with housing applications. I need CFPB assistance to ensure TransUnion updates my file 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 2025-11-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC
State: IA

Complaint narrative:
XXXX loans taken out this year. I borrowed small amounts nothing over XXXX XXXX. For {XXXX I owe over XXXX For XXXX I owe XXXX I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian provided inaccurate and incomplete information to XXXX XXXX XXXX ( XXXX ), which caused XXXX to require me to pay a large utility deposit. Experian classified me as having insufficient credit history, even though I have a good credit score, no late payments, stable income, and a long history of paying all obligations on time. 

The information used for the XXXX utility-screening decision is not shown on my standard Experian report, and Experian did not provide the specific utility report, risk factors, or data that APS relied on when I requested information. I believe Experian is missing information that should be on my file, or is failing to properly report past credit history, which resulted in an unfair insufficient history determination. 

XXXX relied entirely on Experians utility-screening product to make its decision, and Experians incomplete data directly caused financial harm. I am requesting that Experian conduct a manual review, correct any missing or incomplete information on my file, provide the full utility report that was sent to XXXX ( including all risk factors and scoring criteria ), and update XXXX with an accurate assessment of my creditworthiness. 

I am not disputing a specific tradeline ; I am disputing the accuracy and completeness of the information Experian provided to XXXX and the resulting utility risk score. Experian has not fulfilled my request for this information. I am requesting CFPB assistance to require Experian to provide full disclosure and correct its 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because my credit report contains multiple inaccurate items, unauthorized inquiries, and a wrong address that do not belong to me. These errors are causing serious harm to my credit profile, my financial opportunities, and my ability to verify my identity. I have repeatedly requested accurate documentation from the credit bureaus and furnishers, but they have failed to provide any proof as required under the Fair Credit Reporting Act ( FCRA ). I am asking the CFPB to intervene and ensure that the credit bureaus follow federal law, conduct a proper reinvestigation, and remove or correct all unverifiable and inaccurate information. 

XXXX XXXX XXXX, CA XXXX Address This address has no connection to me and violates FCRA 602 and 607 ( b ). It must be removed.

Story : I never lived here and no creditor can verify it as mine under FCRA 611 and 623. 

XXXX XXXX XXXX * High Balance : {$870.00} Date Opened : XX/XX/year> Late Payment * * The late payment is inaccurate because I have never made any late payment and no proof exists under FCRA XXXX and XXXX. 
The alleged delinquency is unverified and must be corrected. 

XXXX XXXX XXXX XX/XX/year> No permissible purpose and not authorized by me. 
Unverified and must be deleted. 

XXXX XXXX XX/XX/year> Unauthorized pull violating FCRA XXXX. 
Not mine and linked to inaccurate identifying data. 

These inaccurate items, wrong address entries, and unauthorized inquiries are causing significant harm to my creditworthiness and financial stability. The credit bureaus and furnishers have failed to comply with their obligations under FCRA 607 ( b ), 611 ( a ), 609 ( a ) ( 1 ), 1681e ( b ), and 1681b ( a ). I am requesting that the CFPB require a full and lawful reinvestigation and enforce immediate correction or deletion of any item that can not be verified with proper documentation. I am seeking the CFPBs assistance to ensure that my credit report is accurate, fair, and compliant with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MD

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with explanation