vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I requested a mortgage from the Rocket Mortgage and they denied my request based on my credit score of XXXX on their date of inquiry that was XXXX XXXX. 
But on XXXX  it shows my score as XXXX. 
I called them multiple times and the robot told me every time that they could not connect me. 
I need to know as to why the XXXX  sent an incorrect report to the Rocket Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
I was charged twice for the same transaction, but both the merchant ( XXXX ) and payment processor ( XXXX ) confirm only one charge was authorized. My bank, Sofi, allowed both charges to post and overdrew my account by {$230.00}. Their overdraft protection did not prevent this. Their only solution was a {$15.00} credit. I want a full reversal of the unauthorized duplicate charge and a correction of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-04 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-04 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: TX

Complaint narrative:
I am a victim of identity theft and have submitted multiple disputes to Experian requesting the immediate deletion of fraudulent accounts, inaccurate personal addresses, and an unauthorized inquiry. Despite providing evidence and invoking my rights under the Fair Credit Reporting Act ( FCRA ), Experian continues to report : A fraudulent collection account from XXXX XXXX XXXX, which I did not open or authorize. 
A closed XXXX XXXX account that I never applied for. 
XXXX false late payments associated with a XXXX XXXX mortgage that is not mine or inaccurately reported. 
XXXX addresses in XXXXXXXX XXXX, which are not and have never been my place of residence. 
An unauthorized XXXX inquiry made on XX/XX/year>, which I did not initiate or consent to. 
I have demanded deletion of these items under FCRA 1681c-2, 1681e ( b ), 1681b, and 1681i, and referenced privacy violations under GLBA 6802. Experian has failed to perform a reasonable investigation and continues to publish and circulate this false and damaging information. 
Their failure to delete, block, or verify these disputed items within the timeframe required by law is a willful violation of my consumer rights. I am requesting immediate enforcement and deletion through this CFPB complaint.

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 2025-08-04 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I received an email and it had a XXXX XXXX name attached to it. It said that I had purchased the XXXX XXXX plan for {$290.00}. I called Best Buy because it seemed fishy. They said they didnt see the purchase on my account and they said their email wouldnt look like that and that they would not charge that amount as well. They gave me an email to submit this to at first ( XXXX ) but that wouldnt work so they gave me this information to submit to you. They advised me that I wasnt the first person calling about this situation.

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 2025-08-04 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: MS

Complaint narrative:
I am reporting multiple unauthorized hard inquiries and accounts that have appeared on my credit report with Experian, Equifax, and Transunion without my knowledge, consent or approval. I did not initiate any credit applications with the companies listed not did I authorize any third party to do so on my behalf. These entries are inaccurate, and harming my credit score, and are a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). I have contacted the credit bureaus and/or the companies involved, but the issue has not been resolved. 
Accounts : XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX Account number XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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:
I was a victim of identity theft. There is an inquiry on my Transunion credit report that is fraudulent and does not belong to me. I've already filed an FTC report. The inquiry is 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 2025-08-04 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: MA

Complaint narrative:
I am filing this complaint against multiple furnishers and consumer reporting agencies ( CRAs ) due to inaccurate, unverifiable, and potentially noncompliant reporting of late payments on several tradelines in my credit reports. Despite my good-faith efforts to maintain timely payments and dispute inaccuracies directly, the negative marks persist without proper investigation or documentation. 

I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) 1681i and 609, as well as the XXXX XXXX data reporting standards. These disputed accounts involve reporting patterns that suggest data inconsistency, lack of verification, or misapplication of XXXX XXXX status codes and payment hierarchy. 

Accounts in Question : Name : XXXX XXXX Address : XXXX XXXX XXXX # XXXX, XXXX, MA XXXX XXXX. XXXX  Account # : XXXX Late Mark : XXXX XXXX  30 days Issue : I have no record of a missed payment. No documentation has been provided upon request. 

XXXX. XXXX XXXX Account # : XXXX Late Mark XXXX XXXX XXXX 30 days Issue : Payment may have been made within grace period. I requested a review of XXXX XXXX Field 17A status codes. 

XXXX. XXXX Account # : XXXX Late Marks : XXXX & XXXX  XXXX  30 days each Issue : Unsubstantiated and inconsistent with my records. 

XXXX. XXXX Account # : XXXX Late Marks : XXXX XXXX 30 days, XXXX  XXXX  60 days Issue : No proper documentation supporting this progression. 

XXXX. XXXX XXXX XXXX XXXX Account # : XXXX Late Marks : XXXX  XXXX  30 days, XXXX XXXX 30 days Issue : These appear to stem from internal system issues. 

XXXX. XXXX XXXX Account # : XXXX Late Mark : XXXX  XXXX  30 days Issue : No documentation provided in compliance with XXXX XXXX. 

XXXX. XXXX  XXXX XXXX Account # : XXXX Late Marks : XXXX XXXX  30 days, XXXX XXXX 60 days Issue : Disputed due to unclear due date records and possible misreporting. 

XXXX. XXXX XXXX XXXXXXXX Account # : XXXX  ( Opened : XX/XX/XXXX ) Balance : {$16000.00} Issue : Late payment history progression seems inconsistent with XXXX XXXX status hierarchy. 

XXXX. XXXX XXXX  Account # : XXXX Late Mark XXXX XXXX XXXX 30 days Issue : No payment receipt or supporting documentation has been furnished. 

XXXX. XXXX XXXX  Account # : XXXX Late Marks : XX/XX/XXXX 60d, XXXX 90d, XXXX 120d, XX/XX/XXXX 120d Issue : I have not received a full account history verifying proper delinquency progression.

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 2025-08-04 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: NV

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$360.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$12000.00} XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$2900.00} INQUIRIES : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX  XXXXXXXX XXXX Date : XXXX XXXX XXXX Date : 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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Debt Collectors Name XXXX XXXX Subject : Formal Dispute and Cease and Desist Request Under the FCRA and FDCPA To Whom It May Concern, This letter serves as a formal dispute of the validity of any alleged debt you claim I owe and a demand to cease and desist all collection activities related to such debt. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I do not acknowledge ownership of any such debt and am formally requesting that you immediately cease all forms of contact, including phone calls and emails. All future communication must be in writing only. 
Additionally, if you are reporting any information about this alleged debt to any credit reporting agency, you are required by law to verify the accuracy and validity of that information. If you can not provide such verification, the information must be deleted immediately from all credit reporting agencies to whom it has been furnished. 
Failure to comply with these demands, including continued attempts to collect on an unverified or inaccurate debt, will be considered a violation of federal law and may result in legal action.

This letter is being sent in good faith and should be considered a formal notice. Please confirm in writing that all collection activity has ceased, and that any unverified information reported to the credit bureaus has been removed. 
Sincerely, 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 2025-08-04 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:
b'I sent a certified letter to Experian on XXXX2025 with tracking #XXXX XXXX XXXX XXXX XXXX XXXX  it shows the delivery date of XXXX2025 at XXXX XXXX in XXXX, TX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: \n\n XXXX XXXX XXXX XXXX\n\nExperian failed to respond. I sent another letter on XXXX2025 which they failed to respond once again.'

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 2025-08-04 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: NV

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : 2025XXXX, Balance : {$360.00}

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 2025-08-04 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: FL

Complaint narrative:
Hard inquiries not recognized by me XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This Debt was a result of an unauthorized person fraudulently using my credit card for unauthorized purchases. This debt was paid thru garnishment of wages by result of me not receiving any legal notification by the court resulting to my wages being garnished. Also this debt and these charges are over 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 2025-08-04 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 writing to formally dispute several hard inquiries listed on my credit report that I did not authorize. Upon reviewing my credit file, I noticed multiple inquiries from companies with whom I have never applied for credit or given permission to access my report.

I have submitted dispute requests and provided documentation to support my claim, but the inquiries remain on my file without resolution. These unauthorized inquiries negatively impact my credit score and raise concerns about potential identity misuse or reporting errors. Despite my follow-ups, the issue has not been appropriately addressed.

As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I am requesting that a full investigation be conducted to determine the origin and legitimacy of these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: GA

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 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account is fraud XXXX XXXX XXXX XXXXXX/XX/year> {$870.00} I am victim of fraud identity theft, I have not opened any account with XXXX XXXX. 
This account was removed from my credit report file and was reinstated incorrectly, illegally to my credit report file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
There are several inaccuracies on my credit report that I have asked for original documents for verification

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my : Capital One account XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX account XXXX These reporting are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher, but the late payments remain without proper validation or documentation. Under 15USC1681S2A : furnishers must report accurate information. Under 15USC1681I : The credit bureaus must perform a reasonable investigation within 30 day. Neither of them provided sufficient evidence to support the negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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 writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also XXXX  and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief