vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: MS

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take XXXX action 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 2025-08-07 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: IN

Complaint narrative:
To whom this may concern, I am writing to request unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows 7 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiry and asking for their removal from my credit report. 

INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX  XXXX DATE : XX/XX/XXXX Please have this inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-08-07 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 filing this complaint against both Equifax and TransUnion due to serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
I believe these accounts were fraudulently opened and are not tied to me. I ask for their swift removal and a comprehensive inquiry. Documentation is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX IndigoXXXX XXXX XXXXXXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing circumstance that caused me to miss a payment was a hospital stay on XX/XX/year>. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with and provide me with copies of any documentation XXXX IndigoXXXX XXXX XXXX associated with this account. In the absence of any such documentation, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

Please respond to this dispute via USPS only. I do not consent to any electronic forms for receiving dispute results. 
My contact information is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CA

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

Company 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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
The account was first reported to my credit report on XX/XX/year> with a balance of {$120.00} Since then, I have requested validation of the debt, including : 1. A copy of the original agreement between the debt collector and the original creditor showing they have legal ownership or authority to collect on the debt.

2. Proof of how much they paid to acquire the debt from the original creditor.

3. A copy of the original signed agreement from when the account was first opened.

To date, they have failed to provide any of this documentation.

In addition, the debt collector continues to call me repeatedly and harass me, which I believe is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). Their actions are causing emotional stress and damage to my credit profile.

I respectfully request that the CFPB investigate this matter, and that the debt collector be required to either provide the appropriate documentation or remove the account from my credit report. I am also requesting that they cease all further communication unless they can validate the debt. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NM

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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. CXXXXe XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, 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 2025-08-07 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: NM

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) 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. CXXXXe XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXXn, 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 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding a recurring issue with my mortgage account managed by PennyMac.

This problem began after our mortgage was transferred to PennyMac. There are two homeowners on the account, and we have always had a valid homestead exemption in place. However, two years ago while filing my taxes, I was informed that no property taxes had been paid. Upon contacting PennyMac, I was told that a mistake had been made : PennyMac had issued an escrow overage refund to me instead of paying the full property tax bill. Only half of the taxes were paid because the tax bill was under two names, and PennyMac claimed it only requested one portion.

As a result, I had to deposit the refunded check and send the funds back to PennyMac to cover the taxes. However, this mistake caused a shortage in my escrow account, which I was required to make up through higher monthly payments. My mortgage payment increased, even though the error originated from PennyMac.

Since then, I have taken proactive steps, including calling annually to ensure PennyMac properly requests both names on the tax bill and notifying the city and county to provide that information. Despite these efforts, the same issue occurred last year and again this year. PennyMac now claims it is my responsibility to obtain and provide specific tax paperwork, despite this being a function of the escrow service they manage.

This ongoing issue has caused significant financial strain, with my monthly mortgage payment increasing from approximately {$3200.00} to {$3900.00} over time due to these recurring tax-related errors. I have made every reasonable effort to resolve this through calls and requests, including speaking with managers, but have received little assistance or ownership of the mistake from PennyMac.

I am requesting a full review of my escrow account history and a correction of the billing errors, along with any applicable refunds or adjustments. I also ask that PennyMac take appropriate steps to ensure both homeowners are included in future tax requests to prevent this from recurring.

Please treat this as a formal complaint and respond with a resolution plan within 14 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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 request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint against the three major credit reporting agencies : Equifax, Experian, and TransUnion. My consumer credit reports contain inaccurate, fraudulent, and/or obsolete personal identifying information that violates the Fair Credit Reporting Act ( FCRA ). I have previously attempted to resolve this directly with the credit bureaus, but the inaccurate information remains. I request that the CFPB investigate this matter and compel these agencies to correct my credit file immediately.

Inaccurate Information to be Removed The following information, which appears on my credit reports, is fraudulent or obsolete and must be permanently deleted under the legal basis of 15 U.S.C. 1681c and 15 U.S.C. 1681e ( b ). 

Inaccurate Previous Addresses XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Inaccurate Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC, XXXX. XXXX XXXX, XXXX, GA XXXX STUDENT, XXXX  Legal Basis for Complaint The Fair Credit Reporting Act ( FCRA ) mandates that consumer reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' ( 15 U.S.C. 1681e ( b ) ). The inclusion of these fraudulent and obsolete addresses and employers constitutes a failure to meet this standard. Furthermore, these items are considered obsolete and must be permanently deleted under 15 U.S.C. 1681c.

Requested Action I request that the CFPB open an investigation into these credit reporting agencies and require them to take the following actions immediately : Permanently delete all of the inaccurate addresses listed above from my credit file.

Permanently delete all of the inaccurate employers listed above from my credit file.

Confirm in writing that these items have been removed from my credit reports.

Thank you for your attention to this serious matter.

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 2025-08-07 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: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX To : WELLS FARGO CARD XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Cease and Desist Fraudulent Debt Collection Due to Identity Theft D I am writing to formally demand that you cease and desist all collection activities related to a fraudulent account that was opened in my name as a result of identity theft. I did not authorize this account or any associated charges. The details of the account are as follows : - Creditor : Wells Fargo Card XXXX - Account Name/ID : XXXX ( or as listed on credit report ) - Date Opened : XX/XX/XXXX - Amount : {$1700.00} I am a victim of identity theft and this debt is not mine. I have never had any relationship with your company, nor have I agreed to any services or products associated with this account. I have reported this incident to law enforcement and initiated steps to correct my credit records. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I hereby demand that you : 1. Immediately cease all attempts to collect this fraudulent debt.

2. Permanently close this account and mark it as fraudulent in your records.

3. Remove any and all references to this account from my credit reports with XXXX, XXXX, and XXXX. 
4. Provide written confirmation that the debt has been removed and that I will not be contacted further regarding it.

Please consider this letter your official notice. Any further attempt to collect this fraudulent debt may result in legal action against your company. I expect a written response confirming your compliance within 15 business days.

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 2025-08-07 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: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I sold my house, the title company called Rocket Mortgage and requested a final statement and paid them in full, also paid the taxes and other creditors and paid us the balance. 

However, I am still getting late payment reminder statements from Rocket Mortgage and negative rating on my credit report. And foreclosure notices on the house that I no longer own. 

I contacted the Title company about this issue, they informed me that Rocket Mortgage received their payment in full as per the final statement they provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: FL

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-08-07 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: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: Westcreek Financial
State: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> Subject : Cease and Desist Fraudulent Debt Collection Due to Identity Theft I am writing to formally demand that you cease and desist all collection activities related to a fraudulent account that was opened in my name as a result of identity theft. I did not authorize this account or any associated charges. The details of the account are as follows : I am a victim of identity theft and this debt is not mine. I have never had any relationship with your company, nor have I agreed to any services or products associated with this account. I have reported this incident to law enforcement and initiated steps to correct my credit records. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I hereby demand that you : 1. Immediately cease all attempts to collect this fraudulent debt.

2. Permanently close this account and mark it as fraudulent in your records.

3. Remove any and all references to this account from my credit reports with XXXX, XXXX, and XXXX. 
4. Provide written confirmation that the debt has been removed and that I will not be contacted further regarding it.

Please consider this letter your official notice. Any further attempt to collect this fraudulent debt may result in legal action against your company. I expect a written response confirming your compliance within 15 business days.

Company response to consumer: Closed with explanation