vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: TN

Complaint narrative:
Subject : Fraudulent Accounts Request for Block under FCRA Section 605B To Whom It May Concern, I am writing to formally dispute and request the removal of fraudulent accounts that have been reported on my credit file, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). These accounts are the result of identity theft and do not belong to me. 

The accounts in question are as follows : Account name : XXXX XXXX XXXX XXXX  Account balance : {$10000.00} Date opened : XX/XX/year> Account type : Installment Account Number : XXXX I have never opened or authorized these accounts and believe they were opened using my personal information without my knowledge or consent. Under FCRA 605B, I am requesting that these accounts be blocked from my credit report within the legally mandated timeframe. As required by law, I am including the following documents to support my claim : 1.A copy of a valid government-issued photo ID 2.A copy of a utility bill or other proof of address 3.FTC Identity Theft Report ( if applicable ) 4.A written statement asserting that these accounts are the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: MicroBilt / PRBC (formerly CL Verify)
State: TN

Complaint narrative:
Subject : Fraudulent Accounts Request for Block under FCRA Section 605B To Whom It May Concern, I am writing to formally dispute and request the removal of fraudulent accounts that have been reported on my credit file, in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ). These accounts are the result of identity theft and do not belong to me.

The accounts in question are as follows : Account name : XX/XX/XXXX Account balance : {$10000.00} Date opened : XX/XX/year> Account type : Installment Account Number : XXXX I have never opened or authorized these accounts and believe they were opened using my personal information without my knowledge or consent. Under FCRA 605B, I am requesting that these accounts be blocked from my credit report within the legally mandated timeframe. As required by law, I am including the following documents to support my claim : 1.A copy of a valid government-issued photo ID 2.A copy of a utility bill or other proof of address 3.FTC Identity Theft Report ( if applicable ) 4.A written statement asserting that these accounts are the result of identity theft

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 2025-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Laelia, LLC
State: NY

Complaint narrative:
I have held a PMI mortgage since XXXX. In XXXX, I took a COVID-19-related forbearance. After making two payments in early XXXX, I discovered water damage and a leak in my kitchen leading to the basement, which was extended before I purchased the property. When I attempted to file an insurance claim, I learned my home had been uninsured since XXXX. The mortgage servicer, XXXX XXXX XXXX, had failed to pay my homeowners insurance to XXXX XXXX XXXX XXXX. They told me they would send proof of payment to the insurer, but instead they sold my mortgage to XXXX XXXX. XXXX XXXX accepted two payments but then claimed no payments had been made since XXXX. They refused further payments for several months before finally accepting {$16000.00} on XX/XX/XXXX, to bring the loan current. The next day, the loan was SOLD to XXXX XXXX XXXX XXXX XXXX XXXX, which has refused all of my payments and claims I have not paid since XXXX. Despite the large payment made just before the sale, XXXX XXXX XXXX has filed a foreclosure lien against my home. Meanwhile, the un-repaired leak caused mold throughout the basement and into my home, worsening my asthmaespecially after I had COVID-19 in XX/XX/XXXX. Ive been unable to work for over 22 months due to persistent respiratory issues. I have documentation of all payments, attempted payments, and refusals by the lenders, as well as proof of temporary repairs. This situation has caused severe physical, emotional, and financial harm. I am seeking immediate relief, including halting the foreclosure, having the missed payments corrected, holding all bank servicer and banks accountable for failing to maintain insurance and failing to apply payments properly.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CORELOGIC INC
State: CA

Complaint narrative:
Subject : Formal Complaint Unauthorized Hard Inquiries in Violation of 15 U.S.C. 1681b ; Demand for Wet Signature Verification and Immediate Deletion Dear CFPB Officer, This is a formal complaint regarding multiple unauthorized hard inquiries that have been recorded on my consumer credit reports by various entities without my knowledge, consent, or a permissible purpose, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

Under federal law, a hard inquiry into a consumers credit file requires explicit written authorization, and any company accessing a credit report must maintain documentation of that consent, such as a wet signature on a credit application or service agreement. 

To date, none of these entities have provided such documentation, and I have never initiated applications or provided authorization for these inquiries. 

UNAUTHORIZED HARD INQUIRIES REQUEST FOR WET SIGNATURE VALIDATION OR DELETION The following hard inquiries are unauthorized and must be removed immediately unless the respective furnishers can provide a copy of my original signed authorization : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Legal Grounds for Immediate Deletion : Under the FCRA : 15 U.S.C. 1681b ( f ) prohibits any person from obtaining a credit report unless they have a legally permissible purpose and valid consumer authorization.

If no wet signature or original signed document exists proving my consent, then these inquiries constitute unauthorized access and must be deleted immediately.

Continued failure to delete these inquiries will be treated as willful noncompliance under 15 U.S.C. 1681n & 1681o, subjecting the bureaus and furnishers to statutory and actual damages, punitive damages, and attorneys fees.

Relief Requested : Immediate deletion of the above-referenced inquiries from all credit reporting agencies ( Equifax, Experian, and TransUnion ) .

Require each furnisher to submit proof of my wet signature on a credit application or authorization form.

If no such proof is produced, compel the removal of the inquiry and issue penalties or sanctions where applicable.

Provide written confirmation of all deletions or investigative findings.

Thank you for your immediate attention to this matter. If the above inquiries are not deleted in compliance with the law, I will escalate with further legal action and reports to the FTC, State Attorney General, and private legal counsel. 

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 explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
my chime account was closed due to an unauthorized deposit. my only deposits are direct deposits from my job. i contacted my job and the payroll company. no one knows what i am talking about. my funds are inaccessible to me and i have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: IL

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-06-06 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:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: NC

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within XXXX days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX delete and block the following accounts from my credit report Accounts Inquiries XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year>

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 2025-06-06 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 have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Subject : Formal Complaint Unauthorized Hard Inquiries in Violation of 15 U.S.C. 1681b ; Demand for Wet Signature Verification and Immediate Deletion Dear CFPB Officer, This is a formal complaint regarding multiple unauthorized hard inquiries that have been recorded on my consumer credit reports by various entities without my knowledge, consent, or a permissible purpose, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

Under federal law, a hard inquiry into a consumers credit file requires explicit written authorization, and any company accessing a credit report must maintain documentation of that consent, such as a wet signature on a credit application or service agreement. 

To date, none of these entities have provided such documentation, and I have never initiated applications or provided authorization for these inquiries. 

UNAUTHORIZED HARD INQUIRIES REQUEST FOR WET SIGNATURE VALIDATION OR DELETION The following hard inquiries are unauthorized and must be removed immediately unless the respective furnishers can provide a copy of my original signed authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Legal Grounds for Immediate Deletion : Under the FCRA : 15 U.S.C. 1681b ( f ) prohibits any person from obtaining a credit report unless they have a legally permissible purpose and valid consumer authorization. 

If no wet signature or original signed document exists proving my consent, then these inquiries constitute unauthorized access and must be deleted immediately. 

Continued failure to delete these inquiries will be treated as willful noncompliance under 15 U.S.C. 1681n & 1681o, subjecting the bureaus and furnishers to statutory and actual damages, punitive damages, and attorneys fees.

Relief Requested : Immediate deletion of the above-referenced inquiries from all credit reporting agencies ( XXXX XXXX XXXX XXXX  ) . 

Require each furnisher to submit proof of my wet signature on a credit application or authorization form. 

If no such proof is produced, compel the removal of the inquiry and issue penalties or sanctions where applicable. 

Provide written confirmation of all deletions or investigative findings. 


Thank you for your immediate attention to this matter. If the above inquiries are not deleted in compliance with the law, I will escalate with further legal action and reports to the FTC, State Attorney General, and private legal counsel. 

Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Business Bureau
State: NV

Complaint narrative:
Dear [ XXXX XXXX Dispute Department, I am writing to formally dispute the inaccurate and unauthorized medical collection account reported under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX, as reflected on my credit report. The report indicates that this account was opened on XX/XX/XXXX, with a balance of {$1500.00}. I have no knowledge of this account and have never conducted any business with the stated provider. 

This account is erroneous, and I demand its immediate removal from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and verifiable information may be reported. 

Additionally, the report notes that this account is disputed by consumer, which confirms that this matter is already in question. However, this notation alone is not sufficient. I request full deletion of this account from my credit file unless the furnisher of the information can provide full documentation validating the debt, including : A copy of any original signed contract bearing my signature, Full itemized billing statement detailing the services rendered, Proof that I had a contractual obligation to pay XXXX XXXX XXXX XXXX, Documentation showing this account was legally and properly assigned to collections. 


If this account can not be fully verified within XXXX  days, I expect it to be deleted from my credit report per FCRA guidelines. Please confirm receipt of this letter and notify me of the results of your investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX ( Last XXXX Digits ) : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this 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 2025-06-06 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 am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OK

Complaint narrative:
I joined a XXXXXXXX XXXX  for buying and selling sport tickets. This group had history dating back a few years, legitimate posters, and totally seemed above board. All of the admins seemed to be real accounts at first glance as well with history and posts on their accounts. An admin, XXXX XXXX messaged me that all sellers had to be verified since I was trying to sell a ticket. She said that I had to refundable deposit of {$50.00} to the phone number ( XXXX ) XXXX on Zelle. The phone number is attached to XXXX XXXX. From what my zell app shows. Once I sent the money to verify that I was real and not a scammer she asked for more money so that buyers would not get scammed and they would have insurance for the buyer if I did scam them. I said no and asked for a refund of my deposit back. She said OK and from there never responded. I called Zelle and asked them to dispute this and they said they cant do anything. My bank said the same thing. Once this all happened I dug deeper and the group is 100 % a scam group : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Almost all of the accounts look like they are bot accounts with a few posts and bot friends so they look real unless you really dig deep. Additionally, all of the admins are tied together through their accounts. The group has over XXXX members and there have been multiple posts from real people trying to buy or sell. I fear that they will continue scam more and more people. Thankfully I was able to message one person who was also looking for tickets there to be careful. THis transaction ID was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: CA

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within XXXX  days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX XXXXXXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXXXXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXXXXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX  Account Number : XXXX XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXX * * XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/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 non-monetary relief
Consumer complaint received 2025-06-06 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:
I did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

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