vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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:
Based on the information you provided, our records indicate your personal information was impacted by this incident. 
For XXXX XXXX XXXX XXXX, please call Experian at XXXX and provide engagement number XXXX Fraudulent Charges to My name under Credit Card XXXX or Organization : XXXX Card Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$10000.00} Fraudulent Charges to My name under Credit Card XXXX or Organization : XXXX  Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$1900.00} Fraudulent Charges to My Name under Credit Card XXXX or Organization : XXXX CARD Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent amount : {$9100.00} Fraudulent Charges to My name under Credit Card XXXX or Organization : XXXX XXXX Date fraud began : Date that I discovered it : XX/XX/year> Total fraudulent Amount : {$2200.00}

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 2025-09-03 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: SC

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 2025-09-03 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: NJ

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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 incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> XXXX XXXX XXXX RE : Cease & Desist and Deletion Request Account Number : Account Number : * XXXX To Whom It XXXX Concern, I am formally disputing the above-referenced account as it is being inaccurately and/or unlawfully reported on my credit report. This letter serves as a demand for you to immediately cease all collection activities and to delete this account from all credit reporting agencies ( ExperianXXXX XXXX XXXX XXXX ). 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), you are required to ensure all information you report is accurate and verifiable. If you can not provide complete documentation validating this debt as legally owed by me, you must remove it from my credit file.

I request : 1. Written validation of this alleged debt, including original signed agreements and complete payment history, OR 2. Immediate deletion of the account from my credit reports with all agencies.

You are further notified to cease all phone calls and contact with me, except to provide written validation or confirmation of deletion. Failure to comply may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the State Attorney General. 
Sincerely, XXXX 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 explanation
Consumer complaint received 2025-09-03 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: AR

Complaint narrative:
I have no knowledge of these accounts and believe they are fraudulent. I request immediate removal and a complete investigation. Attached is supporting evidence.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-03 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-03 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: NY

Complaint narrative:
I submitted multiple disputes to Equifax by certified mail with full identification ( state ID, Social Security card, proof of address ). I have XXXX green card receipts showing delivery on XX/XX/XXXX and XX/XX/XXXX. Despite this, Equifax sent a stall letter on XX/XX/XXXX falsely claiming ID was missing, and then a letter dated XX/XX/XXXX marking my dispute of XXXX XXXX XXXXccount XXXX # XXXX ) as frivolous. Equifax has never mailed me any documentation or contracts verifying these accounts. 

The accounts I disputed include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have letters from XXXX ( XX/XX/XXXX and XX/XX/XXXX ) confirming the accounts were closed and returned to the creditor, and a XXXX letter ( XX/XX/XXXX ) stating they are no longer attempting to collect on XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX, and XXXX, XXXX also confirm the account is charged-off with no active collection. Despite this, Equifax continues reporting these accounts negatively and refuses to conduct a proper reinvestigation. 

Equifax is in violation of FCRA 611 ( 15 U.S.C. 1681i ) by refusing to reinvestigate, falsely labeling disputes as frivolous, and failing to provide mailed verification. They are also violating FCRA XXXX ( b ) by continuing to report inaccurate and unverifiable information. I am requesting immediate deletion of these disputed accounts and enforcement action against Equifax for knowingly ignoring certified disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carvana Group, LLC
State: CO

Complaint narrative:
I purchased a car through caravan and a loan was entered for the purchase but they did not apply my trade in toward the purchase price. My loan is through XXXX. They also charged me the cost of tags and registration into the loan but I had to go to the XXXX and pay out of pocket after waiting months for tags they said they were going to mail. So I was double charged registration and taxes for the original registration and plating of the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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 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 explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX, my prior servicer ( XXXX ) paid the hazard insurance premium of about {$1300.00} to XXXX for coverage through XX/XX/XXXX. 

On XX/XX/XXXX, my broker uploaded a new XXXX policy ( XXXX ) for coverage XXXX, with an annual premium of {$2000.00}. Mr. Coopers system confirmed receipt by text and email. This policy was used in Mr. Coopers XX/XX/XXXX escrow analysis, which projected my monthly payment at {$2000.00}. 

On XX/XX/XXXX, XXXX billed Mr. Cooper {$2000.00}. The payment failed. The policy was never in force. I was never notified of non-payment, never given a chance to cure, and no force-placed coverage was issued. 

On XX/XX/XXXX, during a conference call with my broker and XXXX, I first learned the XXXX policy had been canceled for non-payment. That same day, a new XXXX policy ( XXXX ) was created for XXXX, with a {$1800.00} premium. Mr. Cooper confirmed receipt by text/email on XX/XX/XXXX and again on XX/XX/XXXX after a second upload, but my account still showed no active policy. 

On XX/XX/XXXX, I called Mr. Cooper. The insurance specialist confirmed the XXXX policy had never been paid and initially offered to take escrow funds and pay it retroactively, which was not possible. He then manually entered the XXXX policy and said the {$1800.00} would be disbursed. 

On XX/XX/XXXX, Mr. Cooper confirmed the {$1800.00} premium was sent, but could not provide a tracking number. He admitted no notices had been sent regarding the missed XXXX disbursement and that system safeguards had failed. 

On XX/XX/XXXX, I received a notice dated XX/XX/XXXX claiming I owed {$190.00} for a lapse in coverage between XX/XX/XXXX and XX/XX/XXXX. This lapse is fabricated, since the XXXX policy was never in effect to begin with and my new XXXX policy was uploaded and confirmed before the lapse notice. 

Throughout this period, Mr. Cooper also told me my escrow was negative {$510.00} at transfer and showed a {$2100.00} shortage on XX/XX/XXXX, but could not reconcile these numbers with the unpaid {$2000.00} premium and the required {$1000.00} cushion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MA

Complaint narrative:
I am writing to follow up on my previous letter dated XX/XX/year>, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my credit card, auto loan, and/or mortgage account ; 1.Name : XXXX Account Number : XXXX Amount : {$21000.00} Auto TransUnion : XX/XX/year> Equifax : XX/XX/year> Experian : XX/XX/year> To date, I have not received confirmation of the correction nor observed any changes in my credit report.This issue appears to be in violation of the provisions of 15 U.S.

Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2. Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ),

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 2025-09-03 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: MA

Complaint narrative:
I am writing to follow up on my previous letter dated XX/XX/year>, in which I requested the correction of inaccurate information on my credit report regarding incorrectly reported late payments on my credit card, auto loan, and/or mortgage account ; 1.Name : XXXX Account Number : XXXX Amount : {$21000.00} Auto TransUnion : XX/XX/year> Equifax : XX/XX/year> Experian : XX/XX/year> To date, I have not received confirmation of the correction nor observed any changes in my credit report.This issue appears to be in violation of the provisions of 15 U.S.

Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2. Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ),

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 2025-09-03 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: RUOFF MORTGAGE
State: OH

Complaint narrative:
In XX/XX/year>, I paid {$680.00} by credit card to Ruoff Mortgage for an appraisal, after signing a Notice of Intent to Proceed. The appraisal was ordered as part of a mortgage process for a home purchase. Shortly after, the seller unilaterally canceled the contract. The transaction did not fail due to any fault or inaction on my part as the borrower. 

Ruoff refunded {$50.00} ( the overpayment ), but refused to reimburse the {$630.00} appraisal fee, stating that under RESPA/TRID regulations, bona fide third-party charges are the borrowers responsibility once performed. While RESPA ( 12 U.S.C. 2601 et seq. ) and TRID require disclosure and collection of such fees, they do not override state contract law or consumer protection statutes regarding responsibility when a seller defaults.

The appraisal, although completed, became useless due to the sellers breach. Forcing the borrower to bear this cost when the transaction collapsed for reasons beyond their control is inequitable, violates principles of the Ohio Consumer Sales Practices Act ( R.C. 1345.02 and 1345.03 ) against unfair and unconscionable acts, and creates unjust enrichment for the seller. 

Additionally, I am anXX/XX/XXXXThis unfair financial burden direcXX/XX/XXXX Federal protections such as the Servicemembers Civil Relief AcXXXX ( XXXX, XXXX XXXX. XXXX ) were enacted to prevent undue financial hardship on XX/XX/XXXXpersonnel. The refusal to provide a refund under these unique circumstances conflicts with the spirit of those protections. 

I acted in good faith. The lender and XXXX were authorized under the reasonable expectation that the seller would perform. The sellers default frustrated the entire purpose of the appraisal. Under both Ohio contract law and consumer protection principles, financial loss caused by the sellers breach should not be shifted to the borrower.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-03 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 non-monetary relief
Consumer complaint received 2025-09-03 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-03 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Central Portfolio Control Inc.
State: MI

Complaint narrative:
Hello, this company has called and texted me repeatedly without stating what the call is pertaining to. Dates and times are listed below Calls XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
These accounts were not opened by me and are fraudulent. Please take them off my credit history and begin an investigation. Supporting evidence is included.

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 2025-09-03 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: NC

Complaint narrative:
I am reporting identity theft. Someone used my information to open accounts and/or trigger inquiries that I did not authorize. I've submitted a formal identity theft report under FCRA 605B. Despite that, the items are still reporting. I am now requesting that the credit bureaus block these items as required by law and ensure they are not reinserted.

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 2025-09-03 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:
I am reporting identity theft. Someone used my information to open accounts and/or trigger inquiries that I did not authorize. I've submitted a formal identity theft report under FCRA 605B. Despite that, the items are still reporting. I am now requesting that the credit bureaus block these items as required by law and ensure they are not reinserted.

Company response to consumer: Closed with explanation