vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: TX

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am disputing an inaccurate late payment reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, to Equifax Information Service LLC on my Auto Loan, Equity Loan, Unsecured Loan, account XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX for the date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This reporting is incorrect and has negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. Additionally, case law such as XXXX XXXX XXXX XXXX XXXX  ( XXXX ) and XXXX XXXX XXXX Banking XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX ) ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am disputing an inaccurate late payment reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, to Equifax Information Service LLC on my Auto Loan, Equity Loan, Unsecured Loan, account XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX for the date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This reporting is incorrect and has negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. Additionally, case law such as XXXX XXXX XXXX XXXX XXXX  ( XXXX ) and XXXX XXXX XXXX Banking XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX ) ( XXXX ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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 am asking for your assistance to look into accounts from these companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed some accounts have wrong late payment marks. These accounts should not show any late payments. Please remove these remarks and update the accounts to show positive status as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I purchased my XXXX in XX/XX/XXXX. I refinanced in XX/XX/XXXX. At the time, interest rates were dropping, so I believe I was contacted and offered a lower interest rate. I recall going over the loan, but in the middle of the call, I couldn't hear the person talking, and I repeated several times that I couldn't hear. I decided to complete the process because the monthly loan amount dropped, and thinking that my rate had lowered, I decided to refinance. I received the documents, but the closing cost was not fully disclosed, so I would be adding XXXX back into the loan .. XXXX years later, I needed a modification that I believe was mishandled. Then XXXX came, and I was offered another modification. I do not believe my interest rate lowered after the refinance ; the mortgage increased, and the modifications were predatory, considering the interest was never lowered, yet I paid XXXX on closing costs. I would like my loan to be reviewed for mishandling and misrepresentation of working in my best interest, as Mr. Copper calls their Mortgage Professionals sales reps. The sales rep received an incentive to refinance a loan that was in good standing, but currently, to this date, I owe more than I did in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: PA

Complaint narrative:
When I checked my credit report today, I was surprised to find accounts that shouldn't be there, and I have no explanation for their presence. I routinely monitor my report and had not seen anything like this before. I even refreshed my browser, thinking it might just be a display error, but the incorrect entries stayed. Im asking that the documents I provided be examined thoroughly to help put this issue to rest once and for all.

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 2025-06-17 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: GA

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: UT

Complaint narrative:
I am disputing an inaccurate late payment reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to TransUnion Consumer Solution on my Auto Loan, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX for the date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This reporting is incorrect and has negatively impacted my credit score. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i & 1681s-2 ), credit bureaus and furnishers are required to ensure accuracy and conduct a reasonable investigation of disputed information. Despite my formal dispute, the inaccurate late payment remains on my credit report. Additionally, case law such as 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 ) confirms that furnishers must thoroughly investigate disputes and can not continue reporting misleading information. This failure violates the FCRA, TILA, and UDAAP regulations. I have made multiple attempts to resolve this matter, but no corrective action has been taken.

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 2025-06-17 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: FC HoldCo LLC
State: LA

Complaint narrative:
My full credit report needs to be investigated immediately .. Social security numbers, date of birth, addresses as well are on my report from XXXX XXXX XXXX XXXX XXXX which is causing relentless stress on my report for approval of any type of application that is being applied for.

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 2025-06-17 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: SC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: IL

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : SOUTHWEST CREDIT SYS has violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I made a payment on my credit card via an ATM on XX/XX/year>. The ATM malfunctioned and my payment was not credited to my account. I put in {$1200.00} cash at XXXX XX/XX/XXXXon XX/XX/year> at the ATM in XXXX XXXX, GA. The system made some noise as it does during counting and then went straight back to the start screen. I called the phone number on the ATM immediately. An agent transferred me to someone who opened a claim/case for me. That case number is XXXX. I was told at first it would take 3 business days, then 10 business days, then 2 billing cycles. All have past and there is no credit to my account. I called back and an agent saw how long it has been and prioritized it by opening another case, number XXXX on XX/XX/year>. He said it would take 2-3 business days. I have been patiently waiting for a very long time and have not seen a resolution in regards to my class.

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 monetary relief
Consumer complaint received 2025-06-17 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Received a credit card I did not apply for with my previous married name and address on it. Contacted XXXX  to dispute the credit report inquiry made by credit card issuer. Then contacted the credit card issuer to close the account and found out they had another application that had not been processed yet in my name. The credit card issuer canceled the application that had not been processed yet and sent me to the fraud department to get the credit card that was issued cancelled. I was told by XXXX  that I needed to file a report on the fraud and then upload the report to their website so they would have it in my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing this complaint because my student loan records and/or credit report were accessed without my knowledge, consent, or a legally permissible reason. Specifically XXXX XXXX or one of his affiliated companies accessed my personal data in violation of federal law. 

Specifically account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX MO XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681b, a consumer report may only be obtained for a permissible purpose. I have not applied for credit, employment, insurance, or any transaction that would justify this access. Therefore, any inquiry or use of my credit file by XXXX XXXX or his companies constitutes unauthorized access under FCRA.

If student loan data maintained by my loan servicer ( such as through the XXXX XXXX XXXX XXXX XXXX XXXX  was accessed without proper consent, this also may violate FERPA ( 20 U.S.C. 1232g ), which protects education records from being disclosed without written permission. 

I am requesting : An investigation into how and why my report or records were accessed The removal of any unauthorized inquiries or access logs A formal statement from the responsible party regarding the purpose and basis for access Compensation or remedies under the FCRA, if applicable This is a serious violation of my consumer privacy rights and potentially of my federal student record protections. I request that this issue be escalated and resolved immediately.

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 2025-06-17 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: VA

Complaint narrative:
I am filing this complaint because my student loan records and/or credit report were accessed without my knowledge, consent, or a legally permissible reason. Specifically XXXX XXXX or one of his affiliated companies accessed my personal data in violation of federal law. 

Specifically account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX MO XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681b, a consumer report may only be obtained for a permissible purpose. I have not applied for credit, employment, insurance, or any transaction that would justify this access. Therefore, any inquiry or use of my credit file by XXXX XXXX or his companies constitutes unauthorized access under FCRA.

If student loan data maintained by my loan servicer ( such as through the XXXX XXXX XXXX XXXX XXXX  ) was accessed without proper consent, this also may violate FERPA ( 20 U.S.C. 1232g ), which protects education records from being disclosed without written permission.

I am requesting : An investigation into how and why my report or records were accessed The removal of any unauthorized inquiries or access logs A formal statement from the responsible party regarding the purpose and basis for access Compensation or remedies under the FCRA, if applicable This is a serious violation of my consumer privacy rights and potentially of my federal student record protections. I request that this issue be escalated and resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing this complaint because my student loan records and/or credit report were accessed without my knowledge, consent, or a legally permissible reason. Specifically XXXX XXXX or one of his affiliated companies accessed my personal data in violation of federal law. 

Specifically account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX MO XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681b, a consumer report may only be obtained for a permissible purpose. I have not applied for credit, employment, insurance, or any transaction that would justify this access. Therefore, any inquiry or use of my credit file by XXXX XXXX or his companies constitutes unauthorized access under FCRA. 

If student loan data maintained by my loan servicer ( such as through the XXXX XXXX XXXX XXXX XXXX XXXX  was accessed without proper consent, this also may violate FERPA ( 20 U.S.C. 1232g ), which protects education records from being disclosed without written permission.

I am requesting : An investigation into how and why my report or records were accessed The removal of any unauthorized inquiries or access logs A formal statement from the responsible party regarding the purpose and basis for access Compensation or remedies under the FCRA, if applicable This is a serious violation of my consumer privacy rights and potentially of my federal student record protections. I request that this issue be escalated and resolved immediately.

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