vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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 writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from 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
Consumer complaint received 2025-11-11 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: UT

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from TransUnion. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over XXXX weeks, and I have received no response or resolution from the bureau.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
My FERPA-protected educational records and personal identifying information were accessed without my knowledge or authorization. This breach compromised my student record and financial data. I am requesting discharge of affected student loans, removal from credit reports, and full investigation. 

This complaint and supporting documentation are being submitted for review by the Consumer Financial Protection Bureau and simultaneously disputed with Experian, XXXX, and XXXX  to ensure corrective action across all credit reporting agencies.

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 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: ME

Complaint narrative:
My mortgage was recently transferred to Truist on XX/XX/year>. When attempting to set up access to view and pay my mortgage, I was informed that I am required to ( XXXX ) open a Truist checking account and ( XXXX ) agree to a mandatory arbitration clause waiving my right to sue before I am allowed to access or make payments on my mortgage. I can not access my account or pay my mortgage unless I accept these agreements, as shown in the screenshot, and I also can't open a convo with them until I have access to my portal by signing these. 

Mortgage servicers are required under federal law ( RESPA, Regulation X, 12 CFR 1024 ) to provide access to account information and payment processing without requiring the customer to accept unrelated products or legal-right waivers. 

Additionally, under the Maine Unfair Trade Practices Act ( 5 M.R.S. 205-A et seq. ), it is unlawful to condition access to a required service ( mortgage servicing ) on the acceptance of unrelated financial products or the waiver of consumer legal rights. 

I am being prevented from accessing my mortgage unless I sign an online banking agreement that contains a forced arbitration clause. Access to legally required mortgage servicing functions can not be conditioned on waiving my right to sue. 

When I posted on reddit to see if other people had similar issues, an individual who appeared to have inside knowledge of Truist policies and seemed to be a Truist employee based on their reddit history attempted to discourage me from asserting my rights and claim I could just put a XXXX in the account. This raises concerns regarding whether Truist employees or agents are giving misleading or discouraging information in public forums. 

I am requesting the CFPB ensure that : XXXX. I am provided immediate access to my mortgage account and payment options without being required to open a checking account ; XXXX. I am allowed to opt out of the arbitration clause while still accessing basic servicing functions ; XXXX. Truist documents my opt-out and allows me to manage and pay my mortgage without forced product enrollment or legal waiver. 

Thank you.

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 2025-11-11 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 explanation
Consumer complaint received 2025-11-11 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 am disputing the following accounts and inquiries on my TransUnion credit report. I request that TransUnion verify all accounts under the FCRA. Any information that can not be verified should be corrected or removed. 

Charged-Off Accounts in Dispute : ( No specific accounts reported, but I request verification for completeness. ) Inquiries in Dispute : XXXX XXXX XX/XX/year> ( XXXX ) XXXX XXXX XX/XX/year> Late Payment Accounts in Dispute : XXXX XXXX Account No. XXXX I request a written response confirming the results of your reinvestigation and correction of any unverifiable accounts.

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 2025-11-11 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Cedars Business Services, LLC
State: CA

Complaint narrative:
XXXX XXXX was contracted to be the property XXXX for my property in XXXX, CA. Together with this contract I purchased insurance for loss of rent for XXXX  months in case a tenant leaves before their contract ends. In XXXX, XXXX I sent the utility bills for XXXX to XXXX for payment by the tenant as agreed in the contract. The total amount was {$820.00} in which the tenant pays XXXX  %. These do not include utility bills for XXXX, XXXX and XXXX, XXXX  by which time the tenants have left the property. They had complained about a mold in the bathroom for which I arranged for a contractor to fix. I sent an email for XXXX to make an appointment with tenant in XXXX but did not get a response. I just learned in XXXX from my gardener that the tenants have left. XXXX XXXX have continually asked me for repairs and they have sent me quotes from their own contractors which were always above other vendors would quote for me. Prior to this request for service, they have quoted me for repairs of AC, electrical outlet, sewer blockage, garbage disposal replacement, door lock and others. The electrical outlet, garbage disposal and door lock replacements were issues reported at the time the tenants just moved in. XXXX XXXX conducted pre move-in inspections and part of that inspection was checking electrical outlets ( I know because there was an outlet that was not working that I fixed ) and garbage disposal. The door locks I paid to be replaced prior to move-in but even then when it broke after move in, they asked me to pay for the service to fix. I also paid for the electical outlets repair and garbage disposal replacement anyway. I was quoted {$1800.00} to fix the AC so I got my own contractor to fix it for a lot less. This is the running theme ( MO ) for XXXX XXXX. I paid their own vendor for the electrical repair because I could not convince them that it was their responsibility and the tenant has just moved in. After the tenant left and broke their contract in XXXX, XXXX, XXXX XXXX is supposed to pay me for the loss of rent for XXXX  months. They did not send those payments and instead sent me bills. They owe me XXXX  months rent, the utility bills from XXXX to XXXX, XXXX  for which months the tenants stayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
I am filing this complaint because my credit report with TransUnion contains a fraudulent charge-off account and inaccurate personal information that I did not authorize, open, or provide. My credit file continues to display unauthorized name variations and invalid addresses that do not belong to me. My only legal name is XXXX XXXX XXXX, exactly as it appears on my Social Security documentation, and any other name variation listed on my report is inaccurate and must be immediately removed. My only correct and current address is XXXX XXXX XXXX, XXXX, TX XXXX, and any other address appearing on my file is incorrect, outdated, or never associated with me, and must be permanently deleted. Additionally, my report shows a fraudulent charge-off account reported by XXXX XXXX, Account Number XXXX, opened on XX/XX/year> with a balance of {$0.00}. I did not open this account, authorize it, apply for it, nor have any knowledge of it. Its presence on my credit report is harming my creditworthiness and is a direct violation of my consumer rights. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), TransUnion is required to maintain maximum possible accuracy in the information it reports, and under 1681i ( a ) ( 5 ), any unverifiable or inaccurate information must be deleted. The furnisher is also in violation of 1681s-2 for providing false, unverified, or inaccurate information. Furthermore, this reporting violates the Fair Debt Collection Practices Act ( FDCPA ) 1692e, which prohibits false or misleading representations of debt. I am demanding the immediate investigation and permanent deletion of all inaccurate personal information, including unauthorized names and addresses, as well as the fraudulent charge-off account. Any failure to remove this information will be considered willful noncompliance with federal law, and I reserve my right to escalate this matter to the CFPB, the State Attorney General, and pursue all remedies available under 15 U.S.C. 1681n and 1681o.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC
State: MN

Complaint narrative:
I previously filed a complaint against Rocket Mortgage regarding my attempt to assume my late aunts mortgage. I have been awarded the property by the XXXX XXXX XXXX in the state of Florida and have made multiple attempts to obtain clear answers from Rocket Mortgage. 

In their response to my prior complaint, Rocket Mortgage stated that XXXX XXXX was assisting me with the assumption process. However, the document packet he sent was for a refinance, not an assumption, as I had suspected. On the very XXXX  page of the loan documents, under Purpose, it clearly states Refinanceprecisely what I have repeatedly told Rocket Mortgage I do not want. 

I am simply requesting to speak directly with someone who can assist me with the loan assumption process, not a refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: PA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-11 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 writing to formally dispute the following accounts listed on my credit reports. I believe that the information provided is inaccurate and/or incomplete. Below are the details of the accounts in question, separated by each credit bureau. 

Charged-Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-11 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: GA

Complaint narrative:
Per the FCRA, remove all accounts not belonging to me within fifteen days.

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 2025-11-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc.
State: CA

Complaint narrative:
I made a payment of {$300.00} to my car insurance through Sezzle, but the insurance company never received the funds and my policy was canceled. Sezzle is refusing to remove the charge from my account, claiming insufficient evidence, even though I submitted emails from both Sezzle and XXXX confirming the payment did not go through. I do not owe this charge, and I need Sezzle to remove it from my account immediately and stop threatening collections or credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: GA

Complaint narrative:
Earlier this year I submitted a report through CFPB about a company called Jefferson Capital Systems LLC. They have claimed I owe them a debt I have no knowledge about and the dates the appear on my credit report with all three credit bureaus aligned with a timeframe I would not have been in a position to make as I had obligations with the military. The first report made with CFPB was completed and Jefferson said that they would remove it. And they did for a little bit. Now it is reappearing on my credit and they have consistently sent emails and texts and called me back to back after being asked not to be contacted and showing them that they responded to the original report to remove and close the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am a victim of identity theft. My information was stolen. I did not consent to authorize or benefit from any of the following accounts. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked until the investigation is complete. Since 4 business days from the receipt of this communication allowed under federal law to block these orders, failure to do so within 4 business days after receiving this letter constitutes a reason to promptly delete the information from my credit file in refer to FCRA ( USC ) 1681.

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 2025-11-11 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: TX

Complaint narrative:
I am writing to formally dispute the unauthorized hard inquiries across the XXXX bureaus that appear on my credit report. 

Experian - XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax - XXXX XXXX - XX/XX/XXXX TransUnion - XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 writing to formally dispute the unauthorized hard inquiries across the XXXX bureaus that appear on my credit report. 

Experian - XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax - XXXX XXXX - XX/XX/XXXX TransUnion - XXXX XXXX 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
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: ID

Complaint narrative:
MCM called me and asked " is this XXXX XXXX '', I said " I can not confirm that '' and asked " why are you contacting this number ''. She said " are you the XXXX with the birthdate of ( my birthday ) '' I asked again " what is this regarding. She then said " debt collection, Are you the XXXX at ( my street address ) ''. I told her I could not confirm that. I said " any communication needs to be in writing. '' She got frustrated and repeated the questions. I declined to answer stating it is a bankruptcy matter. She said " I need to confirm your birthday and address '', I declined she hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NC

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