vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX, I was reported as 120 days late on a payment to XXXX XXXX XXXX XXXX XXXX ( XXXX ). This delinquency occurred because my billing statements were being sent to an outdated address, and I was unaware that payments were due. As soon as I became aware of the issue, I updated my address on file and enrolled in autopay to ensure all future payments would be made on time. 

Ive otherwise maintained a responsible payment history, and this single late payment does not reflect my overall reliability as a borrower. Unfortunately, the late mark is now damaging my credit and has already resulted in being denied housing. Im requesting that XXXX consider a goodwill adjustment and remove this late payment from my credit report as a reasonable accommodation for a situation that arose from misdirected communicationnot negligence or unwillingness to pay.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX, I was reported as 120 days late on a payment to XXXX XXXX XXXX XXXX XXXX ( XXXX ). This delinquency occurred because my billing statements were being sent to an outdated address, and I was unaware that payments were due. As soon as I became aware of the issue, I updated my address on file and enrolled in autopay to ensure all future payments would be made on time. 

Ive otherwise maintained a responsible payment history, and this single late payment does not reflect my overall reliability as a borrower. Unfortunately, the late mark is now damaging my credit and has already resulted in being denied housing. Im requesting that XXXX consider a goodwill adjustment and remove this late payment from my credit report as a reasonable accommodation for a situation that arose from misdirected communicationnot negligence or unwillingness to pay.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX, I was reported as 120 days late on a payment to XXXX XXXX XXXX XXXX XXXX ( XXXX ). This delinquency occurred because my billing statements were being sent to an outdated address, and I was unaware that payments were due. As soon as I became aware of the issue, I updated my address on file and enrolled in autopay to ensure all future payments would be made on time. 

Ive otherwise maintained a responsible payment history, and this single late payment does not reflect my overall reliability as a borrower. Unfortunately, the late mark is now damaging my credit and has already resulted in being denied housing. Im requesting that XXXX consider a goodwill adjustment and remove this late payment from my credit report as a reasonable accommodation for a situation that arose from misdirected communicationnot negligence or unwillingness to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of INQUIRIES XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-12 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: RI

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 2025-05-12 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: RI

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 non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SOFI TECHNOLOGIES, INC.
State: ID

Complaint narrative:
I made a payment of XXXX to pay my loan. Sofi cashed the check, took the funds, never credited to my loan.

I have contacted Sofi multiple times since they cashed the check on XX/XX/year> and they have refused to assist. The issuer of the check, XXXX XXXXXXXX XXXX, contacted Sofi and they also refused to assist. As of today, XX/XX/year>, I am still being charged for payments and interest on my loan and Sofi still has my payment and has refused to credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: CA

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 explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC
State: PA

Complaint narrative:
This debt is being passed around even after Cfpb discharged {$610.00} debt everytime I filed dispute .dates are reflected on your dispute history list. Im being constantly harrassed thru multiple spam numbers all hours of days CREDIT MANAGEMENT CO Opened XXXX {$610.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: MO

Complaint narrative:
Subject : Formal Complaint and Request for Immediate Removal of Inaccurate and Unverified Items from Credit Report To Whom It May Concern, I am writing to file a formal complaint against the following credit reporting agencies and/or furnishers for failure to comply with the Fair Credit Reporting Act ( FCRA ) : Experian / TransUnion / Equifax / [ Creditor Name ( s ) DEPTEDNELNETXXXX XXXX/ I have disputed several negative items appearing on my credit report that are inaccurate, incomplete, unverifiable, and/or obsolete. These items have not been validated within the required timeframe, and my previous disputes have either been ignored or falsely verified without proper investigation or documentation.

Under Section 611 and 609 of the FCRA, I demand full documentation of any item verified as accurate. If such documentation can not be provided within the statutory time limits, these items must be deleted immediately. Continued reporting of these items without verification constitutes willful noncompliance and a violation of my consumer rights.

I am requesting immediate CFPB investigation and enforcement action, including : Full removal of all unverified negative items Written confirmation of the results Fines or penalties for furnishers and/or agencies failing to comply with federal law Attached you will find my credit report, prior dispute letters, and any related documentation. This is your official notice to investigate and take corrective action without further delay. 

Thank you for your time and urgent attention to this matter. 

Sincerely,

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 2025-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
My mortgage servicer placed my loan into an escrow account without my consent. I was told by a representative of the company that if I brought my account current, they would discontinue the escrow account. I relied on this information and paid my account in full to bring it current. 

After doing so, I was informed that they will not remove the escrow account until I have made on-time payments for XXXX additional months, which was not disclosed to me initially. I feel this is misleading and unfair, as I acted in good faith under the original instructions provided to me. 

I am requesting that the escrow account be discontinued as originally promised once my account was brought current. I am also requesting a full review of this matter and a written explanation of their escrow policies. 

This practice has caused unnecessary financial burden and I would like assistance resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
On XX/XX/XXXX, I received a text from a number stating it was from BOA asking if I made XXXX wire transfers. I stated " no ''. I then received a phone call from XXXX XXXX ( XXXX ) an employee of BOA. He stated that wires were received from my account, and he wanted to replace the monies back into my savings account. He knew my debit number ( which I have since replaced ) and my security code and he asked me to sign into my online account so he could replace the money. 
Unfortunately, I did and there were 2 wires that I apparently authorized. After a few minutes I felt that something was wrong, and I immediately called BOA fraud line and reported this to them. 
I followed through with giving all of my information to XXXX ( XXXX ) in the fraud department and reported what just happened. She made my claim ( XXXX ) I then called The City of XXXX Police Department and made a report with XXXX XXXX XXXX ( XXXX ). My report # is XXXX. 
I then made an IC-3 report submission # XXXX. 
My 2 wire claim numbers are : XXXX ( {$7200.00} ) and XXXX ( {$9100.00} ) I have also placed a claim with XXXX Fraud department. They suggested I make a claim to FTC and the SC Attorney General office. 
Going forward, I called BOA every week for updates and received the same answer>> It is under investigation of the 2 banks, and they are awaiting information back. 
Then finally on the XXXX of XXXX, I spoke with a BOA representative " XXXX '' who stated that the claim was not made properly, and he would resubmit my claim. The new claim number # XXXX was then submitted with another authorization that I signed for " SCAM Victim Acknowledgement ''. ( The second one ) I then started calling on a frequent basis every week for follow ups and again was told they were still investigating. 
I have continued to keep copious notes upon everyone that I spoke with. 
Then I received a letter in the mail from BOA on XXXX, XX/XX/XXXX stating : " The attempt to recover the funds was not successful. We now consider this inquiry closed. '' I am not ok with the way BOA handled my claim that I made within minutes of this situation. I'm uncertain where else to go and I discovered your Complaint website. 
Thank you in advance for ANY help you can offer me.

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 2025-05-12 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: OH

Complaint narrative:
On XX/XX/year>, I was contacted by XXXX XXXX XXXX  and asked if I had applied for an auto loan at XXXX 's XXXX XXXX XXXX in XXXX, XXXX. I said no, I had not. The man on the phone said that their computer system had flagged the inquiry as suspicious since I live in XXXX  and the purchase was being made in XXXX. He said someone was trying to take out a loan in my name to buy a XXXX XXXX. He recommended that I place a Fraud alert on my credit file, which I did. That is when I learned that over a several day period there were several hard inquiries on my credit report that were not from me, adversely affecting my credit score. I contacted Equifax to dispute them, but Equifax told me I first need to obtain an FTC Report as evidence. I also learned from the credit monitoring service XXXX that my data online had been subjected to a breach. I should also point out that a few days prior to this I received an email from someone who was trying to blackmail me, saying that he had hacked into my computer, taken control of my webcam, that he had incriminating video of me, and that he would release it unless I deposited money into his XXXX  account. What was scary is that he had a real password that I use. I don't know how much more information he obtained ( hopefully not my social security number ). Below are the fraudulent activities on my credit report : XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: Experian Information Solutions Inc.
State: TN

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 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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ) : Subject : Demand for Immediate Deletion of Fabricated Identity Information Violations of 15 U.S.C. 1681e ( b ) 1. FRAUDULENT PERSONAL INFORMATION The following fabricated identity data is being falsely reported by Equifax, Experian, and TransUnion, constituting willful violations of the FCRA and potential criminal identity fraud : Fabricated Name : " XXXX XXXX '' Fraudulent Address : " XXXX XXXX XXXX XXXX XXXX, XXXX, NY '' Fictitious Employment : " XXXX XXXX '' 2. LEGAL VIOLATIONS The credit bureaus are in direct violation of : FCRA 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy.

FCRA 1681i ( a ) Failure to conduct a proper reinvestigation of disputed information.

18 U.S.C. 1028 ( a ) ( 7 ) Criminal penalties for identity fraud.

3. IMMEDIATE DEMANDS I demand that the CFPB compel all three credit bureaus to : Permanently delete the fabricated name " XXXX XXXX '' from my credit file. 

Remove the fraudulent address ( " XXXX XXXX XXXX XXXX XXXX, XXXX, NY '' ) immediately. 

Delete all false employment history ( " XXXX XXXX '' XXXX. 

Provide written confirmation of corrections within 5 business days.

4. LEGAL WARNING Failure to comply will result in : Civil litigation under FCRA 1681n for willful noncompliance ( statutory damages up to {$1000.00} per violation ).

Criminal identity theft reports to the FTC, FBI, and NY Attorney General.

Formal complaints to the CFPB, FTC, and all relevant banking regulators.

6. FINAL NOTICE This is your final opportunity to correct these violations before I pursue maximum legal remedies.

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am formally disputing the charge-off entry reported by XXXX XXXX on both my TransUnion and XXXX  credit reports, Account Number : XXXX * * * *, dated XX/XX/year>, with a balance of {$480.00}. This account contains inaccurate information that is likely the result of a data breach, compromising my personal and financial details. The presence of this charge-off, despite the questionable accuracy of the reported balance, is unjustly damaging my credit profile and negatively impacting my financial stability. Charge-offs are among the most severe negative entries on a credit report, and the continued reporting of this inaccurate information is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, specifically 15 U.S.C. 1681i and 15 U.S.C. 1681n, both TransUnion and XXXX  have a legal obligation to ensure the maximum possible accuracy of the information included in consumer credit reports. This includes conducting a thorough and reasonable investigation of disputed items. Additionally, recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted XXXX failure to properly investigate disputed accounts, raising further concerns about the reliability of the data being reported. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), XXXX  is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. The continued reporting of this inaccurate charge-off without proper verification is a clear violation of these legal requirements and a direct threat to my financial well-being.

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