vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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: Experian Information Solutions Inc.
State: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
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 XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: WI

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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 2025-06-18 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally submit a complaint regarding a debt claim reported by XXXX XXXX XXXX, which I believe violates my constitutional rights and has caused me undue harm. 

According to Article I, Section XXXX of the United States Constitution, " No State shall ... make anything but gold and silver Coin a Tender in Payment of Debts. '' Based on this provision, I assert that any demand for payment not involving lawful gold or silver coin is constitutionally questionable. Furthermore, any alleged debt must be properly validated through a sworn affidavit under penalty of perjury, clearly establishing the debts legitimacy, its origin, and the identity of the original creditor. 

Despite these fundamental requirements, I was subjected to collection efforts and reporting by XXXX without receiving proper sworn validation of the alleged debt. Although I issued a request for validation, no sworn affidavit or legal affirmation under penalty of perjury was ever provided. I consider this to be a direct violation of my rights and a source of significant financial and reputational damage. 

Additionally, I reference Executive Order 13772, issued during the Trump administration, which affirms that the U.S. financial system should adhere to the Constitution and promote transparency and accountability. I believe the conduct of XXXX falls short of those standards and requires immediate oversight. 

Given these concerns, I respectfully request the following actions : That all records related to XXXX XXXX XXXX be fully investigated and that any debt lacking proper validation be deemed unconstitutional and uncollectible. 

That all negative items be removed from my credit report, including entries from XXXX XXXX, with whom I am currently engaged in a fraud caseCase No. XXXX well as any other improperly documented accounts. 

That the CFPB undertake appropriate enforcement actions to ensure that financial institutions and reporting agencies respect constitutional protections and the rule of law. 

Thank you for your time and attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally submit a complaint regarding a debt claim reported by XXXX XXXX XXXX, which I believe violates my constitutional rights and has caused me undue harm. 

According to Article I, Section XXXX of the United States Constitution, " No State shall ... make anything but gold and silver Coin a Tender in Payment of Debts. '' Based on this provision, I assert that any demand for payment not involving lawful gold or silver coin is constitutionally questionable. Furthermore, any alleged debt must be properly validated through a sworn affidavit under penalty of perjury, clearly establishing the debts legitimacy, its origin, and the identity of the original creditor. 

Despite these fundamental requirements, I was subjected to collection efforts and reporting by XXXX without receiving proper sworn validation of the alleged debt. Although I issued a request for validation, no sworn affidavit or legal affirmation under penalty of perjury was ever provided. I consider this to be a direct violation of my rights and a source of significant financial and reputational damage. 

Additionally, I reference Executive Order 13772, issued during the Trump administration, which affirms that the U.S. financial system should adhere to the Constitution and promote transparency and accountability. I believe the conduct of XXXX falls short of those standards and requires immediate oversight. 

Given these concerns, I respectfully request the following actions : That all records related to XXXX XXXX XXXX be fully investigated and that any debt lacking proper validation be deemed unconstitutional and uncollectible. 

That all negative items be removed from my credit report, including entries from XXXX XXXX, with whom I am currently engaged in a fraud caseCase No. XXXX well as any other improperly documented accounts. 

That the CFPB undertake appropriate enforcement actions to ensure that financial institutions and reporting agencies respect constitutional protections and the rule of law. 

Thank you for your time and attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally submit a complaint regarding a debt claim reported by XXXX XXXX XXXX, which I believe violates my constitutional rights and has caused me undue harm. 

According to Article I, Section XXXX of the United States Constitution, " No State shall ... make anything but gold and silver Coin a Tender in Payment of Debts. '' Based on this provision, I assert that any demand for payment not involving lawful gold or silver coin is constitutionally questionable. Furthermore, any alleged debt must be properly validated through a sworn affidavit under penalty of perjury, clearly establishing the debts legitimacy, its origin, and the identity of the original creditor. 

Despite these fundamental requirements, I was subjected to collection efforts and reporting by XXXX without receiving proper sworn validation of the alleged debt. Although I issued a request for validation, no sworn affidavit or legal affirmation under penalty of perjury was ever provided. I consider this to be a direct violation of my rights and a source of significant financial and reputational damage. 

Additionally, I reference Executive Order 13772, issued during the Trump administration, which affirms that the U.S. financial system should adhere to the Constitution and promote transparency and accountability. I believe the conduct of XXXX falls short of those standards and requires immediate oversight. 

Given these concerns, I respectfully request the following actions : That all records related to XXXX XXXX XXXX be fully investigated and that any debt lacking proper validation be deemed unconstitutional and uncollectible. 

That all negative items be removed from my credit report, including entries from XXXX XXXX, with whom I am currently engaged in a fraud caseCase No. XXXX well as any other improperly documented accounts. 

That the CFPB undertake appropriate enforcement actions to ensure that financial institutions and reporting agencies respect constitutional protections and the rule of law. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: EQUIFAX, INC.
State: GA

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 Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
One main has not reported this account was settled as XXXX  and have not provided the supporting documentation as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Someone charged my Sears Citibank credit card for {$980.00} from XXXX XXXX XXXX my mother called Sears since its her account Im just an authorized user and told them about the fraudulent charges and cancelled the credit card they said they would investigate the issue and let her know when they have resolved it and they had her sign about XXXX pages of the charges stating she nor I made those charges and they would remove the charges and her balance would be {$0.00} and which they accept for {$160.00} in which they said those were new charges from XXXX and I dont know how thats possible since the credit card was cancelled in XX/XX/year> and then they charged back her account the full {$980.00} stating I made those charges but they have no proof of that and I did not make them I didnt even have the card or the card numbers to make those purchases how can a company do this my mother can not pay {$980.00} and nor should she have to when they are FRAUDULENT CHARGES please help

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 2025-06-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
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 XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
My credit report contains incorrect address information that needs to be removed. I have attached supporting documents to verify my request, and I urge you to update my records accordingly. Please prioritize this matter and remove these inaccurate addresses as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I applied for a mortgage through Rocket Mortgage in XX/XX/year>. On XX/XX/year>, I locked in an interest rate of XXXX XXXX for a XXXX fixed mortgage on a property with an assessed value nearly XXXX times the requested loan amount ( {$160000.00} ). 

In the days following the rate lock, I responded promptly to all document requests. My property appraisal and zoning information were submitted without issue. However, as interest rates began rising above XXXX XXXX communication from Rocket Mortgage slowed significantly. 

On XX/XX/year>, I was informed that the loan could not proceed due to the property being deemed Unacceptable Property Type. The property is zoned Rural Residential, which is a standard single-family residential designation in New York State XXXX No specific explanation or supporting documentation was provided, despite multiple requests. 

I requested : Clarification of the collateral classification Written documentation of the loans underwriting reasoning Confirmation that my rate lock would be honored To date, I have not received a detailed explanation or an opportunity to appeal the decision. 

Given the timing of the denial, the vague rationale, and the fact that rising rates benefit the lender if my rate lock expires, I believe the loan has been deliberately stalled or denied in bad faith in order to reprice it at a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: WA

Complaint narrative:
I am disputing an account reported by XXXXSELFLNDR on my XXXX  credit report. I have disputed this item multiple times directly with XXXX, and each time it has been verified without adequate evidence. 

I believe this information is inaccurate and unverifiable, and I have not received any documentation proving its accuracy. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that this item be removed or corrected immediately, and that the lender provide documentation justifying the reporting. I have attached dispute records and supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
I am sending this complaint to CELTIC BANK/CONTFINCO regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified.

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 2025-06-18 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: AZ

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made. 

I have reviewed my credit report and found inaccurate information. I request that you help me dispute these inaccurate information I have included in the letter I attach to this complaint. The letter contains my intention to investigate each items and how I would like them to conduct investigation and provide me proof how they look into these accounts in error listed on my credit report. I have also attached my credit report for your reference to investigate. I need them to delete and block these inaccurate accounts from reflecting on my credit report.

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