vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: TX

Complaint narrative:
I am reporting fraudulent information on my credit report. I did not authorize the accounts or transactions being reported, and I believe this is a case of identity theft or credit fraud. I request that this inaccurate information be removed immediately to prevent further harm to my credit. I have not received a satisfactory resolution from the company involved. Please investigate and assist in removing this fraudulent entry from my credit file as soon as possible.

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 2025-05-24 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: EQUIFAX, INC.
State: LA

Complaint narrative:
To Whom It May Concern : This letter serves as a formal and lawful demand to update my credit file with a tradeline reflecting a debt obligation that I have legally assumed and fully satisfied. I have provided documentation proving that the debt has been reassigned to me through a legal agreement and paid in full by me.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Uniform Commercial Code Articles 3 and 9, particularly UCC 3-603 and UCC 9-210 , I have the right to have my credit report accurately reflect my financial actions, including lawful payments made under reassigned debt obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PulteGroup, Inc.
State: NC

Complaint narrative:
We applied for a mortgage loan through Pulte Mortgage, the builders preferred lender, approximately 110 days before our scheduled closing date of XX/XX/year>XXXX  ( the day after XXXX XXXX ). We selected this lender specifically to qualify for a {$10000.00} builder incentive. 

Throughout the loan process, communication from Pulte Mortgage was extremely poor. Our emails often went unanswered unless we contacted the home sales representative, who then escalated our concerns to Pultes local financial advisor. Only then would we receive a response. This cycle repeated for months. Additionally, the lender frequently requested documents late on Friday evenings, delayed replies until midweek or later, and repeatedly asked for documents we had already submitted. Despite this, we always responded promptlyusually within 12 hours of receiving any request. 

On Monday, XX/XX/XXXX, we received the Closing Disclosure. Our attorney then confirmed the loan was ready to close on Tuesday, XX/XX/XXXX. Based on this, the attorney sent wire instructions, and we wired the full closing funds ( over {$50000.00} ) to the attorneys trust account on Friday, XX/XX/XXXX, the last business day before closing due to the XXXX XXXX holiday. 

However, on the evening of Friday, XX/XX/XXXX, after XXXX XXXX  XXXX, we received a phone call from Pulte Mortgage notifying us that the file was not yet clear to close, and that the loan would not be ready in time. I asked whether they had informed the attorney, and the lender said they would notify the attorney after XXXX XXXX XXXX on Tuesdayafter our scheduled XXXX XXXX XXXX XXXX XXXX. EST closing appointment. This means the attorney would be unaware of the delay until after the closing meeting had ended. 

We had already given notice to our apartment complex that we would be moving out by XX/XX/XXXX, as required one month in advance. With the delay, we now face serious consequences : Temporary housing costs due to lack of a place to live after XX/XX/XXXX ; Potential loss of the {$10000.00} builder incentive if we are forced to switch lenders ; Interest loss from having prematurely wired our closing funds ; Possible legal confusion or liability due to the attorney being uninformed until after the scheduled closing. 
We have acted diligently and in good faith throughout the entire process. We were transparent about our timelines and specifically asked the lender to inform us in advance if they were not going to be able to approve the loan in time. No such notice was ever provided. Pulte Mortgages conduct has caused us significant financial harm and placed us in an unfair and stressful situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
b'I am resending my complaint regarding the fraudulent items I requested to be removed. It appears that no investigation has been conducted yet. I am now formally requesting that Experian, Equifax, and TransUnion credit bureaus Delete all fraudulent items from my credit report, as required by law. Please find the list of fraudulent items that need to be deleted from my credit report below.\nXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX\nXXXX XXXX  Balance Owed: XXXX\nXXXX XXXX XXXX XXXX  Balance Owed: $XXXXnXXXX XXXX XXXX XXXX Balance Owed: $XXXXnXXXX XXXX XXXX Balance Owed: XXXX XXXX  Balance Owed: $XXXX\nXXXX XXXX XXXX XXXX XXXX  Balance Owed: $XXXX\nXXXX XXXX XXXX  Balance Owed: $XXXX\nXXXX XXXX Balance Owed: $XXXX\nXXXX XXXX XXXX Balance Owed: $XXXX\nXXXX XXXX XXXX Balance Owed: $XXXX  - XXXX XXXX\nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX \n\nXXXX XXXX XXXXXXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX  \nXXXX XXXX XXXX \nXXXX XXXX \nXXXX XXXX \nXXXX XXXX \nXXXX XXXX  \nXXXX XXXX \nXXXX XXXX \nXXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX XXXX XXXX \nXXXX XXXX XXXX \nXXXX XXXX \nXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: HI

Complaint narrative:
I do not recognize the address and want it removed from my report

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 2025-05-24 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA XXXXection 605b Credit Reporting Agencies and I found out that you are required to investigate any items listed on an id theft report. Please find the ATTACHED documents to assist in the investigation of the erroneous information that is being posted to my report. The following are the compilation of items that are not associated with me or have been initiated without my authorization. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Illegal reporting of accounts account on my credit report Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On or around XX/XX/, I reviewed my Equifax credit report and identified multiple inaccurate late payment entries reported by XXXX, XXXX, XXXX, and XXXX XXXX. These entries are incorrect and appear to be the result of billing errors or misreporting, as all payments to these creditors were made on time and in full on their respective due dates. 

Despite this, these companies have reported late payments that have severely harmed my creditworthiness, personal character, and mode of living. I did not receive the periodic billing statements or disclosures required under 15 USC 1666b and 1637 ( b ), which mandate that creditors must provide billing statements at least 21 days before a payment is due in order to legally report a payment as late.

I formally requested verification and evidence that such notices were mailed or delivered as required by law, but none has been provided. These accounts have now been disputed multiple times, and the creditors continue to ignore federal law and furnish unverifiable and harmful data to Equifax. 

I am requesting the immediate deletion of the inaccurate late payment entries from the following accounts : XXXX  Account ending in XXXXXXXX XXXX Account ending in XXXXXXXX XXXX Account ending in XXXXXXXX XXXX XXXX Account ending in XXXX These actions violate the Fair Credit Reporting Act ( 15 USC 1681 ), which mandates accuracy and verifiability of all information reported. Continued reporting of inaccurate information without proper documentation constitutes willful noncompliance and must be remedied immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency XXXX TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of Fraudulent Accounts Must Be Deleted Immediately 1. XXXX  XXXX  XXXX  | Account # : XXXX Original Creditor : XXXXXXXX XXXX XXXX | Balance : {$480.00} XXXX. XXXX XXXX XXXX | Account # : XXXX Original Creditor : XXXX XXXX | Balance : {$180.00} XXXXXXXX XXXX XXXX XXXX XXXX | Account # : XXXX Original Creditor : XXXX | Balance : {$570.00} XXXXXXXX XXXX XXXX XXXX  | Account Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX  | Current Balance : {$630.00} Last Reported : XX/XX/XXXX | Account Status : Open XXXX. XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX | Balance : {$600.00} Status : Reported as collection account These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency XXXX TransUnion credit reporting agency and the Equifax reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of Fraudulent Accounts Must Be Deleted Immediately 1. XXXX  XXXX  XXXX  | Account # : XXXX Original Creditor : XXXXXXXX XXXX XXXX | Balance : {$480.00} XXXX. XXXX XXXX XXXX | Account # : XXXX Original Creditor : XXXX XXXX | Balance : {$180.00} XXXXXXXX XXXX XXXX XXXX XXXX | Account # : XXXX Original Creditor : XXXX | Balance : {$570.00} XXXXXXXX XXXX XXXX XXXX  | Account Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX  | Current Balance : {$630.00} Last Reported : XX/XX/XXXX | Account Status : Open XXXX. XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX | Balance : {$600.00} Status : Reported as collection account These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft 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 non-monetary relief
Consumer complaint received 2025-05-24 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: AZ

Complaint narrative:
my personal information has been leaked on all of the credit bureaus sites Equifax, Experian and TransUnion. I have started getting so many alerts about my information being used and on the dark web. I have already been a victim of fraud a few times. I have received lots of stuff in the mail and email about my data being breached. this stuff is becoming overwhelming, and I want it to stop now. I have reached out to the different bureaus about stuff on my credit report and fraud. my personal information has been breached so many times I just can't figure it out. please provide assistance. I have requested negative things be removed from credit report and nothing was ever done, I'm pretty sure I paid for the service at some point and no results!!!

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 2025-05-24 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:
my personal information has been leaked on all of the credit bureaus sites Equifax, Experian and TransUnion. I have started getting so many alerts about my information being used and on the dark web. I have already been a victim of fraud a few times. I have received lots of stuff in the mail and email about my data being breached. this stuff is becoming overwhelming, and I want it to stop now. I have reached out to the different bureaus about stuff on my credit report and fraud. my personal information has been breached so many times I just can't figure it out. please provide assistance. I have requested negative things be removed from credit report and nothing was ever done, I'm pretty sure I paid for the service at some point and no results!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
I am filing this complaint regarding MOHELAs handling of my student loan under the SAVE Plan. Despite being placed in a SAVE forbearance periodwhich should have paused interest accrualmy account has accrued over {$9000.00} in interest. Some say XXXX percent but multiple loans have not been fixed, I discovered the issue after reviewing my account and noticing unusually high interest. When I contacted MOHELA by phone a couple of months ago, a representative acknowledged that this was their mistake and that my account should have been switched to XXXX interest under the SAVE forbearance. However, despite this acknowledgment : They have not corrected the error or adjusted the interest on my account. 
They have not responded to multiple follow-up emails I sent after our phone conversation. 
My account continues to show interest accumulation as if the forbearance conditions were never applied properly. 

This situation is causing significant stress and financial concern. I am asking the CFPB to investigate this issue and ensure MOHELA : I have documentation of the interest charges and am happy to provide any further evidence needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: IL

Complaint narrative:
The company reports unverified, unvalidated information on my credit report. They have received a previous dispute letter informing them of the unverified, unvalidated information. They continue to report unverified, unvalidated information. To continue to report unverified, unvalidated information is unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I applied for a personal loan through Bank of America in XX/XX/XXXX after seeing a promotional offer at one of their branches. The marketing clearly stated that customers with over {$100000.00} in their accounts would receive a 0.50 % APR discount. I qualify for that Ive been a customer for over 9 years and consistently keep more than {$100000.00} in my accounts. 

I was quoted a 5.44 % APR for a 60-month term, and proceeded based on that. But Bank of America pulled my credit three separate times, which caused my credit score to drop nearly XXXX points. Then they offered me a 6.99 % APR significantly worse than the original quote and completely ignoring the promotional discount I was supposed to receive. 

I spoke with a branch manager and requested an explanation for the multiple inquiries and for not honoring the offer. They provided no solution and brushed me off. I consider this to be misleading advertising and a bait-and-switch tactic, especially harmful since it involved damage to my credit. 

Im requesting an investigation, that Bank of America honor the terms they promoted, and that steps be taken to fix the harm to my credit profile.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Bureau of Little Falls, Inc.
State: MN

Complaint narrative:
My credit report is showing that I have a collections from XXXX XXXX from XX/XX/XXXX. Updated XX/XX/XXXX in the amount of {$400.00}. I already paid that off along with another XXXX XXXX XXXX I had that equaled a total of XXXX on XX/XX/XXXX. Receipt and bank statement is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : [ XX/XX/year> ] To : Radius Global Solutions LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX Subject : Cease and Desist + Debt Validation Request To Whom It May Concern, I am writing in response to a notice I received from your office regarding an alleged debt with XXXX XXXX XXXX, referenced above. I do not recognize this debt and am formally requesting that you cease all communication with me unless and until you provide proper validation. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request proof that this debt is valid and that I am legally responsible for it. I request the following information : 1. The name and address of the original creditor.

2. A full breakdown of the debt, including what it was for and how it was calculated.

3. Copies of any documents that show I agreed to the debt or am responsible for it.

Also, please consider this a formal cease and desist. Do not contact me again about this debt until you provide the requested proof. If you continue to contact me without validating this debt, it will be considered a violation of the FDCPA and I will take appropriate action. 

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 non-monetary relief