vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: MI

Complaint narrative:
Fraudulent accounts and inquiries linked to identity theft have been placed on my consumer report without my written authorization or wet signature. These unauthorized accounts have caused significant emotional and financial distress by inaccurately representing my credit history and preventing me from achieving important financial goals, including purchasing a home and meeting my family 's needs. I am formally requesting the immediate blocking and removal of these disputed items from my credit report, as their continued presence violates my consumer rights under 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 2025-09-08 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: LA

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 2025-09-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I went to my local PNC Bank brnch office to examine my safe deposit boxes. I was assited by the Branh Manager, XXXX XXXX. After presenting him with my ID. he noticed that one of the safe deposit boxes was delinquent on its lease payments. I told hime that I receive a letter from PNC every year notifying me that a certain amount of money would be automatically deducted from my account in order to pay the costs of maintaining the boxes, and that I had never been apprised of any delinquency. After XXXX XXXX further investigated, he was satisfied that I was listed on both boxes as being allowed access, and that both boxes had been set up for automatic payment. But, upon furher investigation, he said that the the boxes were not set up correctly originally in XXXX ( when it was my late mother 's account ) and that I would need to provide them with my mother 's death certificate and document showing me to be the executor of her estate. Since the account had been converted from the account of XXXX XXXX XXXX to the Estate of XXXX XXXX XXXX with XXXX XXXX Executor, and I was appropriately listed on the boxes as a user, and I had keys to the boxes, and had the same last name and am currently living at the same address that my mother did for 60 years before her passing, etc I thought it was quite odd that they would require further proof of my identity. 
After formerly complaining about the matter, on XX/XX/XXXX I was called by PNC 's Executive Client Relations Specialist- Office of the Customer, XXXX XXXX XXXX We spoke at length, and at the end she said she would just need XXXX hours to resolve the matter. But, on Thursday, XX/XX/XXXX, she contacted me at about XXXX XXXX  with no more informaton than the Branch Manager in XXXX  had the preceding week. She said she stll needed a XXXX XXXX ( and added that she was certain I didn't have one ). When I told her I did have one, she sounded a bit flustered, but told me to email a copy to her, and when she received it, she would arrange for me to go back to the bank offices in XXXX ( probably on Monday ) and the matter should be resolved. So, I emailed her the document shortly after I hung up the phone. On Friday, XX/XX/XXXX, I received an acknowledgement of her receiving the form, with just a note that she would contact me with any updates. It is now Monday and the status of my situation remains unchanged. I still have no access to the safe deposit boxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: LA

Complaint narrative:
In XX/XX/XXXX, I received two unsolicited text messages from Sequium Asset Solutions , LLC one referencing an alleged rental debt in my name, and another referencing a debt allegedly owed by my husband, who is currently serving on XXXX XXXX military status. Neither message included documentation or identification of the original creditor. 

The debt appears to be related to a prior rental at XXXX XXXX  in XXXX, AZ, and an eviction judgment dated XX/XX/XXXX. I vacated the unit on or before that date, as confirmed by the court judgment and guidance from the clerk and judge. I left the keys inside the unit and canceled my renters insurance, which should have indicated my departure. 

I emailed the apartment complex requesting confirmation that payment of the judgment would result in a receipt and a motion to seal the eviction under Arizona statute A.R.S. 33-1379 ( B ). I also asked for a final statement of account and clarification on why charges were being assessed beyond the eviction date. They responded stating they took possession on XX/XX/XXXX and claimed they were unaware I had vacated, despite their own inspection on XX/XX/XXXX a date they incorrectly listed as XX/XX/XXXX in their email. 

Despite my request, I never received a final statement of account or any explanation of how my security deposit was handled. I am unclear why additional charges were assessed after my lease was legally terminated by court judgment. 

Sequium LLC has failed to provide proper debt validation and instead requested sensitive personal information ( XXXX, XXXX, phone number ) without substantiating the claim. Their contact method via text message is not compliant with FDCPA standards. 

Additionally, contacting me about my husbands alleged debt raises serious privacy concerns and may violate protections afforded to XXXX XXXX military personnel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In 2023, I was diagnosed with XXXX and had to stop working temporarily while undergoing XXXX. Because of this, I fell about XXXX months behind on my mortgage payments. I informed my mortgage servicer of my medical condition and asked for assistance, such as moving the missed payments to the end of the loan or allowing me to make smaller payments until I recovered. However, my requests for assistance were denied. 

I applied several times for a Mortgage Assistance Application, including by adding my son and daughter-in-laws income to help qualify, but my applications were denied more than twice. This all happened while I was in active XXXX treatment. 

Even though I started making my regular payments again and the company accepted them, they still charged me {$5800.00} in fees and foreclosure costs that were not part of my regular monthly payments. They required me to pay this lump sum immediately to reinstate my mortgage, even though I was current on my monthly payments at that point. 

The companys actions caused me significant stress during my illness. I even had to sell a property in XXXX to be able to pay these charges. I believe these practices were unfair and harmful, especially considering my medical hardship.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: MI

Complaint narrative:
Upon reviewing my most recent consumer report, I discovered bankruptcies that should not appear on my credit file. As a victim of identity theft, I believe these entries constitute fraudulent information that has been reported without proper verification or my consent. The presence of these inaccurate bankruptcies on my credit report violates my consumer rights under federal law, specifically regarding the accuracy and privacy of credit reporting. These unauthorized entries have caused significant damage to my creditworthiness and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: TN

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 XXXX 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 you have 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 XXXX you an additional XXXX  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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-08 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: TN

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 XXXX 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 you have 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 XXXX you an additional XXXX  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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: NY

Complaint narrative:
I've identified inquiries that are inaccurate and not attributable to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: MN

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 you have 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : DISCOVERCARD - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} XXXX XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$100000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: OK

Complaint narrative:
I attempted to refinance my car in XXXX, their due date for the bill would not align with my compensation timing prior to issuing funds. I stated to them I no longer will need the loan if they could not adjust the date of payment each month, they refused to work with me on that aspect alone so I advised them I could not take the loan. No funds issued, and they have written the loan off as delinquent. I am not paying back {$5000.00} that I never received. This needs to be removed from my credit report as the loan company is at fault, not me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a formal dispute regarding fraudulent accounts reported under my name. These accounts do not belong to me, were never opened with my consent, and their inclusion is both false and damaging. The reporting of fraudulent information not only compromises the accuracy of my credit file but also creates undue financial and personal hardship.

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 2025-09-08 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: CA

Complaint narrative:
I have never successfully gotten a credit report from Equifax. When I called in to their customer service line a few years back, a customer rep informed me that my social security number was tied to a random person. On XX/XX/year>, thanks to cfpb, they sent a letter requesting that I send in 2 physical copies of identification. I sent them those copies as requested by mail and they still they never received it. I've tried this before years ago when they first told me about the issue and nothing was done. They also offer no way to send the info electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: LA

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 2025-09-08 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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