vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I am part of the working class and I am making great contributions to society by paying my taxes. My student loan shows up a multiple loans, but I have consolidated my loan. And most importantly my student loan is not in delinquency anymore. I have XXXX XXXX  and I need to move to a area that is safe that offer better opportunities for there future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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:
These accounts are being reported under my name without my knowledge, consent, or authorization. I have never opened, managed, or permitted anyone to open these accounts on my behalf. This is a serious violation and entirely unacceptable, as it results in false and misleading information being associated with my credit profile. 

I take the integrity of my credit report extremely seriously. The presence of these unauthorized accounts is both XXXX  and damaging.

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 2025-07-30 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 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: CT

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, experian and XXXX  i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies. 
Please delete all these fraudulent accounts none of the listed is associated with me. The account listed are not transactions done by myself.

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 2025-07-31 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: PA

Complaint narrative:
I am requesting your assistance in initiating an investigation into these accounts, as they are inaccurately reported on my credit file. Under USC 1681g, I am formally asking for their removal within 15 days. I have attached the necessary supporting documents for your review. Furthermore, the information related to these accounts varies and contains errors across the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding a fraudulent account that is being reported on my credit file. This account does not belong to me and is the direct result of identity theft. 
Creditor : XXXX  XXXX XXXX Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX FTC Identity Theft Report # : XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, I have the right to request that consumer reporting agencies block and delete all information relating to fraudulent accounts upon receipt of proof of identity theft. I have attached my FTC Identity Theft Report as such proof.

Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ) and the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), unauthorized use of my personal identifying information is a federal crime. Credit reporting agencies and furnishers have a legal obligation to investigate my dispute, correct inaccuracies, and prevent further reporting of fraudulent information. 

I am requesting : 1. Immediate deletion and blocking of the fraudulent XXXX  XXXX XXXX account from my credit reports. 
2. Written confirmation from all involved parties that the account has been permanently removed and will not be reinserted without proper certification as required by FCRA 1681i ( a ) ( 5 ) ( B ).

Failure to take these actions constitutes a violation of FCRA and FACTA, and may result in further legal escalation and enforcement action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Aqua Finance, Inc.
State: SC

Complaint narrative:
On XX/XX/ 2024, my husband and I financed a XXXX XXXX XXXX XXXX XXXX XXXX  through XXXX XXXX  in XXXX, South Carolina and Aqua Finance. Despite both of us having good credit at the time ( mine was XXXX, his was around XXXX ), XXXX XXXX ran our credit multiple times and claimed they could not find a better financing option. We were given a 15 % APR loan through Aqua Finance for approximately {$47000.00}, even after placing a {$5000.00} down payment. 

During the final signingat XXXX XXXX, after a long day of travel and with our toddler presentI expressed concern about the long loan term and high interest rate. The XXXX XXXX XXXX  representative told us we could refinance later after a few payments and that we should just make extra payments. This was a key factor in our decision. We have since learned that Aqua Finance does not offer refinancing at all. We were misled, rushed, and pressured into a financial trap we now can not escape. 

Additionally, the RV was not on-site or prepped. It had to be shipped from another state, and when we picked it up, it was not cleaned, not flushed of antifreeze, and not filled with water. We immediately noticed exterior damage, and in the first week multiple systems failed, including a faulty kitchen plumbing connection that led to water damage in the cabinetry and floors. 

XXXX XXXX XXXX refused to help beyond saying go find your own locksmith and brushed off all of our concerns. We had to bring our RVour full-time homeover an hour away to another location ( XXXX XXXX XXXX XXXX , where they acknowledged the issues were from faulty install and attempted to fix them. But the water-damaged wood has never been replaced, and the awning still doesnt close properly. 

Despite repeated calls and escalations, XXXX XXXX has refused to provide timely help, never offered remote repair support, and treated us dismissively. A sales manager from XXXX XXXX XXXX even said, Its not like people live in their RVs full-timecompletely disregarding our situation and ignoring the fact that they sold this RV as a full-time living solution. 

A few weeks ago, someone from XXXX XXXX XXXX called for a follow-up. My husband explained the situation. The rep apologized and said someone would reach out. No one ever did. 

We are now over {$10000.00} underwater on the loan, with no ability to refinance and nowhere to turn. We feel we were deliberately misled, handed a defective RV, and abandoned as customers once the sale was complete. This situation has caused deep emotional and financial XXXX. We are asking for a full CFPB investigation into both Aqua Finance and XXXX XXXX for deceptive lending, false verbal assurances, and failure to honor warranty responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$68.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} UNAUTHORIZED COLLECTION - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: PA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: FL

Complaint narrative:
DISPUTE OF OUTDATED & UNVERIFIABLE ACCOUNT SELF CARD ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NE

Complaint narrative:
We refinanced our original loan servicer ( Freedom Mortgage ) as we thought it would be a smoother process. We had multiple conversations on the phone in which it was communicated to us that we would get our escrow balance refunded to us in the form of a check after closing. This never happened and it was instead rolled into the refinance ( thus not showing an accurate amount of the total loan since it was communicated we were getting it back versus being rolled into the loan. The loan ended up being ~ {$540000.00} as opposed to the ~ {$530000.00} that was disclosed on the loan with about a XXXX credit that was communicated that we we get back. Additionally, in our prepaid section we paid ~ {$4700.00} for prepaids for property tax and those funds are nowhere to be found. We also paid ~ {$2000.00} upon closing on XX/XX/scrub>, 2025 for our " initial escrow '' account and soon after had the property tax come out of escrow XX/XX/scrub> 2025. We've talked to XXXX XXXX and only one tax payment was made for the XXXX installment, however, the escrow department at Freedom Mortgage claims that maybe two payments were made because there is a negative XXXX balance in our escrow account currently. We spent 5 hours on the phone with Freedom Mortgage on XX/XX/year>2025 where we were given the run around about where the missing {$4700.00} went. At one point we talked to a guy named XXXX in Escalations and he said " yeah there is definitely something weird here '' and then he put us on hold. After waiting on hold for an hour- he hung up the call and never returned anything back to us. We then called back and spoke with someone in XXXX in Customer Service Satisfaction who said they would get back to us and it should be resolved within a day. I received a response from him XX/XX/XXXX, that his team did not have an update. I proceeded to reach out to them on XX/XX/XXXX and XX/XX/XXXX to which I did not receive a response. All of these conversations are recorded per their quality assurance that they tell you about prior to talking.

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 2025-07-30 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:
I discovered multiple hard inquiries on my credit report that I did not authorize, initiate, or consent to. These inquiries were placed without my knowledge or involvement, and I have no existing credit relationships, applications, or transactions with the companies responsible.

I submitted disputes to the credit bureaus requesting verification and deletion of these unauthorized inquiries. Despite these efforts, I received either boilerplate responses or no valid proof of permissible purposesuch as signed applications or digital audit trails. This lack of verification violates the Fair Credit Reporting Act ( FCRA ), including 1681b ( a ) ( 3 ), 1681e ( b ), and 1681g, which require a permissible purpose, maximum accuracy, and full disclosure of information used to verify account reporting.

I believe these hard inquiries were added in error or through fraudulent means, and the credit bureaus have failed to meet their legal responsibilities under FCRA. I am now seeking the CFPBs assistance in ensuring my rights as a consumer are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
FORMAL DISPUTE XXXX XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  ) Violation of FCRA 611, 623 ( a ) ( 1 ) ( A )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I bought my house in XX/XX/XXXX. Loan was structured as NO impound account Tax and insurance. I was making PI payments only and was paying property taxes and home owners insurance by myself. On XXXX, XXXX PHH made it impound account without my permission and was sen no mailing notice to me. I paid my XXXX property taxes myself but PHH servicing com raised my payment to $ XXXXmonth from $ XXXXmonth. I was unable to make this payment due to to life hardships. I tried for 5 months trying to resolve this issue by sending proofs of paid property taxes on time but i start getting notice loss mitigation and foreclosure notices. I spoke to their rep many times and they said give us 10 days to resolve this issue but no response from them. I had sent them paid property tax receipts by secure messages uploads at their web but no response. 
I requested PHH reps to send me a proof who authorized it to be a impound account. No response because it was unauthorized set up by PHH servicer. They said they had reimbursed me my property tax payments but i had never received any refund checks. I asked for proofs but no proof no response sent back. I am scared to death to loose my house. I need a thorough investigation in this matter. 
Best Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 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 explanation