vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$34000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$48000.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$520.00} XXXX & XXXX # XXXX XX/XX/XXXX XXXX {$290.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$190.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$210.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$350.00} XXXX # XXXX XX/XX/XXXX -- {$280.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$780.00} XXXXXXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$80.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$190.00} INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-23 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: Cumulus Funding LLC
State: MA

Complaint narrative:
I am very upset with this process this had to be the worse customer service I have ever dealt with. I can not get in touch with anyone I was told by your chat to dispute my align credit card because it has not been reported since XXXX I did not want to dispute it because exactly what I thought was going to happen did happen! My credit card and a year worth of on time payments was deleted off of my report and I wanted the opposite I needed my payments as of XXXX to be reported this is ridiculous my score has now went down because the credit card was taken off! I want it put back on and my payments since XX/XX/year> shown and I would like to speak with someone

Company response to consumer: Untimely response
Consumer complaint received 2025-11-23 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: OH

Complaint narrative:
We got our car back from westlake after repossession, but the payments and nothing is getting resolved we want to sue them but what do we do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: NJ

Complaint narrative:
Formal Complaint Identity Theft & amp ; Failure of Equifax to Remove Fraudulent Accounts FCRA 605B, 611, 623 ( a ) ( 6 ) I am submitting this formal complaint regarding multiple fraudulent accounts that remain on my Equifax credit report despite my identity theft filings. These accounts do NOT belong to me, and I did NOT open or authorize them. I am requesting enforcement of the Fair Credit Reporting Act ( FCRA ) to compel Equifax and the furnishers to remove these fraudulent accounts immediately. I am filing under the following laws : 1. FCRA 605B ( 15 U.S.C. 1681c2 ) Identity Theft Blocking This section requires Equifax to BLOCK and REMOVE fraudulent accounts within 4 business days after receiving : My identity theft report ( FTC affidavit ) My written statement My identification Proof of address 2. FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation Requirements This law requires a reasonable reinvestigation of disputed accounts and mandates that any unverifiable or fraudulent account must be deleted.

3. FCRA 623 ( a ) ( 6 ) ( 15 U.S.C. 1681s2 ( a ) ( 6 ) ) Furnisher Investigation Duties The furnishers ( banks and creditors ) are legally required to investigate identity theft claims, stop reporting fraudulent information, and notify the bureaus. 

FRAUDULENT ACCOUNTS REMAINING ON MY EQUIFAX REPORT : 1. XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX 2. XXXX  Account Number : XXXX 3.XXXX  XXXX Account Number : XXXX 4.XXXX  XXXX Account Number : XXXX 5.XXXX Account Number : XXXX 6.XXXX XXXX  Account Number : XXXX 7.XXXX XXXX  Account Number : XXXX 8.XXXX Account Number XXXX XXXX 9XXXX XXXX XXXX  - Date Opened XX/XX/year> These accounts were not opened, authorized, or used by me. They are the result of identity theft and are causing ongoing harm including credit denials, damaged creditworthiness, and financial hardship. I am requesting : Immediate blocking and removal of all fraudulent accounts under FCRA 605B A full reinvestigation under FCRA 611 Enforcement of furnisher duties under FCRA 623 ( a ) ( 6 ) A corrected and updated Equifax credit report. Written confirmation of all deletions .All statements in this letter are true and accurate to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capital One Bank ( USA ), N.A. mailed me a letter with deceptive and misleading credit card pre-approval marketing practices. 
On Saturday XX/XX/year>, I received an unsolicited mailing from Capital One with a large, bold Congratulations! on the envelope and inside letter, addressed to me XXXX XXXX. The mailing prominently displayed a Capital One Platinum Mastercard and stated : See if youre Pre-Approved for a Platinum Mastercard Congratulations! in huge letters across the envelope.

You may be eligible for a new credit card. 

The overall presentation strongly implied that I had already been pre-approved and that acceptance was essentially guaranteed. Because of this congratulatory language and imagery, I reasonably believed there was little to no risk of denial or a hard inquiry if I responded to the offer. 

I went to the provided website and applied. Capital One immediately performed a hard inquiry on my credit report and then denied the application. 
While fine print does state that pre-approval is not guaranteed, the dominant message of the mailing beginning with the envelope itself shouting Congratulations! is clearly designed to mislead consumers into believing approval is virtually certain. This practice caused me to suffer an unnecessary hard inquiry that lowered my credit score for no benefit. 

This marketing tactic violates the Fair Credit Reporting Act ( FCRA ) requirement that prescreened offers must include clear and conspicuous disclosures, as well as general prohibitions against deceptive advertising under Section 5 of the FTC Act ( unfair or deceptive acts or practices ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-23 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Key 2 Recovery, Inc.
State: AR

Complaint narrative:
I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'certified mail ' with receipt displaying my signature. If you are unable to provide this, please delete the account you have wrongly created as soon as possible or legal action will be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: VA

Complaint narrative:
Ive recently received a copy of my credit report and noticed 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 non-monetary relief
Consumer complaint received 2025-11-23 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: TX

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 non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I received, via USPS, a completed loan application and loan estimates for a refinance of my home mortgage. Neither my husband nor I applied for or authorized this loan. Additionally, our credit was pulled without our consent. 

The correspondence was sent by XXXX XXXX XXXX of Rocket Mortgage. We did not initiate any contact with Rocket Mortgage, nor did we provide permission for them to access our personal or financial information. We have never spoken to XXXX XXXX XXXX. 

Upon logging into our Rocket Mortgage account, we discovered that a refinance loan is actively in process. We are shocked and deeply concerned that this occurred without our knowledge or authorization. This situation represents a serious breach of our privacy and security, and our financial information has been compromised. 

XXXX XXXX XXXX is the loan officer and his XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Ive recently received a copy of my credit report and noticed 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 2025-11-23 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC is furnishing and attempting to collect a debt for which they have provided no validation, no contract, no original creditor documentation, and no legal proof of ownership. 

LVNV is reporting this account on my credit report and is engaging in collection activity, but they have not produced : The name of the original creditor A signed contract or agreement Itemized accounting of the alleged balance A bill of sale referencing me A chain of title Any evidence that they legally own the alleged account I disputed this account in writing and requested validation under 15 U.S.C. 1692g ( b ) ( FDCPA ). LVNV did not validate the debt. Instead, LVNV continued collection activity and continued furnishing information to the credit reporting agencies in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) and the FDCPA.

VNV failed to mark the account as disputed despite receiving my written dispute. LVNV also verified the account through an automated ACDV system without providing any documentation from the original creditor.

LVNV has a history of failing to maintain documentation and has been the subject of multiple enforcement actions in various states for similar practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion and Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I requested a mid cycle credit report after paying off a $ XXXX balance to repair my credit so I could be ready to shop for a loan. PayPal Mastercard ( Synchrony Bank ) reported a XXXX Dollar credit limit with a balance of XXXX dollars. Reporting an 84 % utilization. I previously had a $ XXXX credit limit. If it was reported correctly it would be well below 10 % utilization. There was no warning of this limit decrease when I was talking to the bank representative on the phone. No email stating this. This report happened on XX/XX/year> As of XX/XX/year>. I have no letter in my hand saying so. I wouldnt recommend doing business here.

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 2025-11-22 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: AZ

Complaint narrative:
Hi EQUIFAX, I want to personally thank you for taking the time to read this email. 
After reviewing my most recent credit reports I noticed late payments on XXXX XXXX  for my XXXX XXXX XXXX XXXXXXXX. 
I fully understand my obligation to make on time payments, and if it weren't for being laid off due to budget cuts ( a result of XXXX, that caused me to miss a payment, I'd have an outstanding payment history. Since then, I have consecutively made on -time payments and kept my credit utilization low. 
I'm planning to finance a car and the missed payment on my credit report could drastically affect my chance of qualifying. 
As stated, before I fully understand my financial obligation but this is not an accurate reflection of my ability to repay debts owed. 
I would greatly appreciate it if you could give me a second chance and remove the late payment reported on XXXX XXXX  Thank you for your consideration, and I hope you'll approve my request. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
CREDIT FREEZE REQUEST LETTER ( Security Freeze Under FCRA & State Law ) From : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX SSN : XXXX XXXX : XXXX XXXX To : Credit Bureau Name XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ) RE XXXX REQUEST FOR CREDIT FREEZE / SECURITY FREEZE To Whom It May Concern, I am writing to formally request a Security Freeze ( also known as a Credit Freeze ) on my consumer credit file, in accordance with the Fair Credit Reporting Act ( FCRA ) and all applicable state laws. 

A credit freeze prevents unauthorized access, protects against fraud, and ensures that no new credit, loans, or services can be opened in my name without my direct authorization. 

Please place a full security freeze on my credit report immediately. 

INFORMATION TO VERIFY MY IDENTITY Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX SSN : XXXX Date of Birth : XXXX I am enclosing a copy of my valid ID and proof of address ( drivers license, utility bill, lease, etc. ) to assist with verification. 

DO NOT RELEASE MY INFORMATION Under this freeze : Do NOT release my credit report Do NOT allow any new credit inquiries Do NOT allow any creditor, lender, collection agency, or third party to access or obtain my report Do NOT lift or modify this freeze without my direct, written authorization CONFIRMATION REQUIRED Please send me : A written confirmation that the freeze has been placed My unique PIN or password required to temporarily lift or remove the freeze Complete instructions for lifting or removing the freeze if necessary Send confirmation to the address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation