vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: TN

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported unauthorized hard inquiries on my credit report that were not initiated or authorized by me. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ), which prohibit reporting inquiries not initiated by the consumer unless specific conditions, such as prior written consent or a firm offer of credit, are met. I did not provide any written authorization for these inquiries, and their presence on my credit report is therefore unlawful. Additionally, the agency has failed to provide documentation or evidence of a permissible purpose for these inquiries.

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 2025-09-18 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: CA

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

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 2025-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
the Last Three years I have inquired about what it takes to remove PMI from my Mortgage.

Rocket Mortgage has giving me XXXX different answers over this time period. 

XXXX. First it was you need 20 % paid off. 

XXXX reached 20 % and now its 22 % XXXX reached 22 % and now its well actually you cant do till 11 years have passed. 

I have never missed a payment or had a late payment i am over the 22 % loan is XXXX XXXX XXXX. I asked them to reconsider, they said they dont own the loan XXXX XXXX XXXX, they set the rules. 

I tried to contact XXXX XXXX but they are not a Lender. Govt Agency i guess. 

None of this was made known me during the XXXX  process. 

Rocket Mortgage uses deceitful tactics meant to knowingly mislead its costumers. They do not act in good faith. They lie every time I talk to them. This is bad company that steals from people. No one should ever do business with them ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NV

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-09-18 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: OH

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: NY

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
Based on 15 U.S. Code 1681g, you must eliminate these disputed accounts within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XX/XX/2025 this account was opened I have been on a XXXX  installation for over a year I do not have any bills and this account from TransWorld is trying to collect a debt for XXXX XXXX, I am currently disputing this because I do not know anything about this debt for {$620.00}. I have filed a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have identified collection accounts on my credit report that I believe include inaccurate details. According to my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and reliable. I am requesting a thorough investigation of these accounts, and if they can not be properly verified, they must be removed.

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 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Green Square Company LLC.
State: MN

Complaint narrative:
Received a threatening voicemail from an alleged " attorney '', " XXXX XXXX '' with PRG Group for myself, XXXX XXXX, and XXXX XXXX ( XXXX ), who threatened " arrest in XXXX XXXX '' for " passing a bad check ''. Knew intimate details about DOB, address, etc. Very threatening and intimidating ; assuming this is a scam, but they should not be able to get away with this. Number left was XXXX but caller ID showed calling number as XXXX. Voicemail is attached here. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-18 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: Credit Corp Solutions Inc.
State: CT

Complaint narrative:
To Whom It May Concern, I am responding to your contact regarding an alleged debt in the amount of {$690.00}. Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I am requesting validation of this debt. Please provide the following : 1. The name of the original creditor.

2. An itemized statement of the alleged {$690.00} debt, including principal, interest, fees, and any other charges.

3. Proof that you are legally authorized to collect this debt.

4. A copy of any judgment ( if applicable ).

5. Documentation showing I am legally obligated to pay this debt. 
This is not a refusal to pay but a notice that your claim is disputed and validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: WV

Complaint narrative:
In XX/XX/year>, I sent Halsted Financial Services a written request for validation of a debt they are reporting. I sent this request via certified mail. Halsted did not provide any validation or documentation. 

I sent follow-up requests, including a final intent to sue letter, b

ut Halsted again failed to provide validation. Despite this, they continue to report the debt on my credit file. I also disputed this account directly with the credit bureaus. Each bureau attempted to verify with Halsted, but Halsted failed to respond to them as well. The account remains on my credit reports without proper validation.

This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to cease collection activity ( including reporting to credit bureaus ) until validation is provided, and a violation of the Fair Credit Reporting Act ( FCRA ), since inaccurate/unverified information is being furnished to the credit bureaus. 

I am requesting that Halsted Financial immediately delete this account from all credit bureau reporting and cease all collection activity since they failed to validate after multiple written requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
I am bringing to your attention an unauthorized hard inquiry that is currently reported on my credit file. After reviewing my records, I have verified that I did not apply for credit, nor did I authorize this access to my credit report. Such an error undermines the integrity of my credit profile and may suggest misuse of my personal information.

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 2025-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened a Savings account with American Express and follow American Express verification successfully linked external account for ACH transfer fund into my new American Express savings account. 

On XX/XX/XXXX, I received an email that my account is frozen and I need to call American Express. I did call American Express and complete the verification of my external account which I think it is the hassle that American Express created. My identification and external account should have been verified when I opened the account. 

On XX/XX/XXXX, I called and requested to close my account after withdraw all the fund so I don't encounter any hassle with American Express savings again. American Express may still need to pay me the interest earned. 

On XX/XX/XXXX, I received an email from American Express that I need to call American express. I called American Express and they said they need to complete the identification verification. They asked me to submit the copy of my ID and self photo thru the link that sent to me via text message. I was told the verification result failed. American Express refused to close my account and pay me the remaining interest earning. 

Again, it is very frustrated with American Express verification process that they should have been done when they opened my account, but not when I fund my account or close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
I am formally disputing the reported late payment on my credit history. My documented records clearly prove that payments were made on time. This entry is inaccurate and unfairly harms my credit profile by creating a false representation of my payment behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
I'm contacting you because I recently discovered a credit inquiry on my report that I had no knowledge of, did not authorize, and did not initiate. This inquiry is fraudulent, plain and simple, and it should have never been made under my name. 

I have never applied for credit or given any form of consent to the company that pulled this inquiry. I only found out about it while reviewing my credit report, and Im furious that someone was able to access my personal credit file without my permission. This is not just a mistake it is unauthorized access to my private financial information, and it is a clear violation of my rights under 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 2025-09-18 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX  group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. 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. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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
Consumer complaint received 2025-09-18 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have financed a XXXX XXXX XXXX through synchrony bank and from the beginning I have reached out to make payments in a timely manner, but they didnt have XXXX XXXX  on their merchant site to make payments online so I had to call every time I needed to make a payment, then they did get the ability to pay online so I signed my card up and set it to reoccurring payments. Everything worked out, then I get a random call from synchrony saying I havent paid in XXXX months and I had {$1000.00} in late fees I had to pay before I could make a payment towards the trailer again. Then I paid what I could and still havent caught up all the while the late fees just keep going up while Im trying to pay off the late fees. This is ridiculous. Then XXXX XXXX hit and I was in the mountains fXXXX XXXX XXXX XXXX with no service for XXXX months so I tried to make payments and ask that the late fees could stop so I could catch up, they said no and the late fees are getting out of control while ruining my credit, now I cant buy a house, pay for my wedding, buy a new car. This is ridiculous, I just need these late fees waived and make payments like Ive been trying to do for a year and a half. I know all of our calls were recorded so you can see for yourself.

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 2025-09-18 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: MO

Complaint narrative:
My XXXX XXXX auto loan is being misreported by Experian, XXXX, and XXXX XXXX XXXX. A charge-off is a one-time event, but they are reporting repeated CO notations across XXXX, creating the false appearance of ongoing delinquencies. I paid {$670.00} monthly for over XXXX years under a XXXX XXXX XXXX APR, yet my payment history is ignored. XXXX is also duplicating XXXX charge-off with a {$9700.00} collection, showing monthly derogatories. This reporting is inaccurate, misleading, and damaging. I request immediate correction or deletion and written confirmation.

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