vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: CL Holdings LLC
State: MI

Complaint narrative:
I been getting emails from this company JeffersonCapital Systems, LLC about a debt which i have nothing to do with XXXX nor had phone service with XXXX. They send me a bill for {$920.00} which is not mine. Thats insane {$920.00} for a phone company. XXXX guys JeffersonCapital Systems, LLC got to do better. Below i attached a few pictures of what they been sending me also a picture of my ID with my correct FULL NAME. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX : ( XXXX ) XXXX : XXXX Date : XX/XX/XXXXXXXX  To Whom It May Concern : RE : Identity Theft & Unauthorized Accounts Request for Immediate Investigation and Removal I am writing to formally dispute and request the immediate removal of fraudulent accounts and inquiries that have appeared on my credit reports as a direct result of identity theft. I am the victim of unauthorized use of my personal and financial information, which I have officially reported to the Federal Trade Commission under FTC Report Number XXXX, dated XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), Section 605B, I have the legal right to block fraudulent information resulting from identity theft from appearing on my credit report. In addition, under the Gramm-Leach-Bliley Act and other applicable state and federal data breach laws, I am requesting that you take the following actions : Fraudulent Accounts and Companies Affected : XXXX XXXX XXXX XXXX  Opened without authorization in XX/XX/XXXX, discovered XX/XX/XXXX Amount : {$740.00} XXXX. XXXX XXXX Opened XX/XX/XXXX, XXXX  XX/XX/XXXX Amount : {$27000.00} XXXX. XXXX XXXX XXXX ( fraudulent lease ) Opened XX/XX/XXXX, discovered XX/XX/XXXX Amount : {$370.00} XXXX. XXXX XXXX  ( XXXX XXXX ) Opened XX/XX/XXXX, discovered XX/XX/XXXX Amount : {$33000.00} XXXX. XXXX  XXXX ( Auto Loan ) Opened XX/XX/XXXX, discovered XX/XX/XXXX Amount : {$13000.00} Additional Fraudulent Information : False aliases : XXXX XXXX, XXXX XXXX, XXXX XXXX Fraudulent address used : XXXX XXXX XXXX, XXXX, TX XXXX Unauthorized inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX Attached Documentation : FTC Identity Theft Report ( Report # XXXX ) Copy of government-issued ID Proof of residence Police report ( if applicable ) Any additional supporting documentation available Action Requested : Immediately block and remove all fraudulent accounts, addresses, aliases, and inquiries from my credit profile in compliance with 15 U.S.C. 1681c-2 ( Section 605B of the FCRA ). 
Cease any collection efforts or reporting of these accounts. 
Provide me with a confirmation in writing that these items have been removed and are no longer affecting my credit report. 
This letter serves as my formal dispute under federal law, and I expect all corrections to be made within the required 30-day investigation period as outlined in the FCRA. Failure to do so may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Texas Attorney General, or legal action. 
Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX 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 2025-06-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX : ( XXXX ) XXXX : XXXX Date : XX/XX/XXXXXXXX  To Whom It May Concern : RE : Identity Theft & Unauthorized Accounts Request for Immediate Investigation and Removal I am writing to formally dispute and request the immediate removal of fraudulent accounts and inquiries that have appeared on my credit reports as a direct result of identity theft. I am the victim of unauthorized use of my personal and financial information, which I have officially reported to the Federal Trade Commission under FTC Report Number XXXX, dated XX/XX/XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), Section 605B, I have the legal right to block fraudulent information resulting from identity theft from appearing on my credit report. In addition, under the Gramm-Leach-Bliley Act and other applicable state and federal data breach laws, I am requesting that you take the following actions : Fraudulent Accounts and Companies Affected : XXXX XXXX XXXX XXXX  Opened without authorization in XX/XX/XXXX, discovered XX/XX/XXXX Amount : {$740.00} XXXX. XXXX XXXX Opened XX/XX/XXXX, XXXX  XX/XX/XXXX Amount : {$27000.00} XXXX. XXXX XXXX XXXX ( fraudulent lease ) Opened XX/XX/XXXX, discovered XX/XX/XXXX Amount : {$370.00} XXXX. XXXX XXXX  ( XXXX XXXX ) Opened XX/XX/XXXX, discovered XX/XX/XXXX Amount : {$33000.00} XXXX. XXXX  XXXX ( Auto Loan ) Opened XX/XX/XXXX, discovered XX/XX/XXXX Amount : {$13000.00} Additional Fraudulent Information : False aliases : XXXX XXXX, XXXX XXXX, XXXX XXXX Fraudulent address used : XXXX XXXX XXXX, XXXX, TX XXXX Unauthorized inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX Attached Documentation : FTC Identity Theft Report ( Report # XXXX ) Copy of government-issued ID Proof of residence Police report ( if applicable ) Any additional supporting documentation available Action Requested : Immediately block and remove all fraudulent accounts, addresses, aliases, and inquiries from my credit profile in compliance with 15 U.S.C. 1681c-2 ( Section 605B of the FCRA ). 
Cease any collection efforts or reporting of these accounts. 
Provide me with a confirmation in writing that these items have been removed and are no longer affecting my credit report. 
This letter serves as my formal dispute under federal law, and I expect all corrections to be made within the required 30-day investigation period as outlined in the FCRA. Failure to do so may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Texas Attorney General, or legal action. 
Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
I am a homeowner with a XXXX XXXX mortgage. I have remained current on all payments, but after being laid off from my job, my weekly employment income dropped from {$2000.00} to {$800.00} in unemployment benefits. My rental income has remained the same as before the layoff and is not sufficient to cover the gap. I proactively submitted a complete application for a XXXX XXXX XXXX XXXX under the imminent default criteria. 
Despite documenting my hardship, my servicer denied the request and instead suggested foreclosure alternatives such as short sale or deed-in-lieueven though I am not behind on payments and have clearly stated my intent and ability to stay in my home. 
I currently have about {$6500.00} in cash savings, but after paying my XX/XX/XXXX mortgage payment and credit card bill, I will be left with approximately {$1000.00}. My income is significantly reduced, and while I have started a new business ( XXXX XXXX XXXX, XXXX ), it is still in its early stage and not yet producing consistent revenue. 
I believe the servicer failed to properly evaluate my risk of imminent default as defined by XXXX XXXX and may be in violation of Regulation X. I respectfully request CFPB assistance to ensure my case is re-evaluated appropriately and that no foreclosure-related action is taken while that review is in process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
Experian Credit XXXX XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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

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 2025-06-23 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: KY

Complaint narrative:
I am filing this complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by falsely verifying inaccurate information on my credit report. I disputed a XXXX XXXX XXXXXXXX account currently listed in my Equifax file ( account ending in XXXX ), which contains multiple discrepancies that are clearly contradicted by the documentation provided directly by the original creditor. 
Equifax lists a charge-off date of XX/XX/XXXX. However, the official letter I received from XXXX XXXX XXXXXXXX, dated XX/XX/XXXX, clearly states that the account was charged off on XX/XX/XXXX. Furthermore, Equifax reports the account was closed due to inactivity, which is inaccurate and not supported by the bank 's letter. 
Finally, the account number in the Equifax file does not match the number provided by the creditor ( ending in XXXX ), which suggests a misreporting or identity error. 
Despite these serious discrepancies, Equifax responded to my previous dispute by stating the account had been " verified. '' This is both misleading and unlawful under the FCRA, as the information does not match verified documentation from the source creditor. This false verification undermines my rights and damages my credit profile unfairly. 
Under FCRA Section 611 ( 15 U.S.C. 1681i ), any inaccurate, unverifiable, or misleading information must be corrected or removed from a consumer 's report within 30 days. Equifax has failed to meet this obligation and continues to report an account proven to be inaccurate. 
I respectfully request that the CFPB investigate Equifax 's false verification of this account and demand the immediate removal of this inaccurate XXXX XXXX XXXX entry from my credit file. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I applied for a modification on XX/XX/year> and it was still in reveiw status but the forclosure continued and on XX/XX/year> a final judgement was entered even tho my modification was in review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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

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 2025-06-23 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 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

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 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood put restrictions on my account XX/XX/XXXX preventing me from making any withdrawals or selling any assets within my accounts. On the XXXX of XXXX, I initiated an XXXX transfer of {$20000.00} from my Robinhood spending account to my XXXX investing account. Because of the restrictions placed on my account on the XXXX, the ACH deposit was returned and I was charged a {$30.00} fee from XXXX, as well as had my entire investment portfolio sold at a loss to cover the {$20000.00} that was returned. My Robinhood account currently holds {$110000.00}, including individual investments, Roth IRA investments, and cash from an individual cash account and a spending account. I am unable to transfer money between these accounts or sell positions. The original date of resolution for this account review was XX/XX/XXXX, which has changed twice : first to the XXXX, then again to the XXXX, which is today. Robinhood support refuses to do anything about it, only giving me scripted responses each time I request a call and try to get this resolved. This is unfair and unjust. I need my money immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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

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 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One finance has received the payoff from the insurance company and signed off on the title, but still shows us owing on the loan. I have given the check information and a copy of the signed off title to Capital One, yet they still do not show the loan paid off. This has been going on since XX/XX/XXXX. We continue to receive harassing emails threatening to send us to collection agency if we do not make a payment on a loan that has been paid in full given that they signed off on the title XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: IL

Complaint narrative:
On XX/XX/year>, I visited XXXX XXXX XXXX and applied for vehicle financing with the assistance of a salesperson named XXXX. Shortly after submitting my information, I received alerts that my credit was pulled by at least seven different lenders, including Mercedes-Benz Financial Services ( MBFS ), XXXX XXXX XXXX XXXX XXXX XXXX, and others. These were hard inquiries that significantly l

owered my credit score. I did not authorize these lenders individually. No explanation or consent form was provided to justify sharing my credit report with so many third parties. Despite the harm done to my credit, I never received a formal credit approval, denial, or loan offer. XXXX stopped responding. Another associate, XXXX XXXX, briefly reached out but failed to follow up after I returned his call. I even left a voicemail for the Finance Manager with no reply. 
Eventually, I received only a generic Credit Score Disclosure form ( CBC Form CSD02 ) with no terms, conditions, or credit decision. I later filed a complaint with the CFPB against MBFS ( Case # XXXX ), and they responded stating only one inquiry was madethis is false and misleading. I have documented proof that multiple inquiries were conducted on that day, directly resulting from this dealership 's shotgun application practice. MBFS admitted in writing they made a decision on XX/XX/year>, yet no communication or denial was ever shared with me by the dealership. 
I believe XXXX XXXX XXXX mishandled my sensitive credit information, violated fair lending practices, and failed to provide the protections required under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). This has caused credit damage, emotional distress, and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: PA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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