vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As a result of a data breach, my personal information was exposed and misused, leading to the appearance of unauthorized accounts, credit inquiries, and a reported late payment on my credit reportnone of which I recognize or authorized. These inaccurate entries, along with incorrect personal details, continue to appear on my file despite my previous attempts to dispute them. Their presence has negatively impacted my credit standing and raised serious concerns about both the protection of my identity and the reliability of the information being reported.

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 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
A fraudster that I have reporter before to other credit cards, has tried but was denied opening a master card in my name using my social security number and CA driver 's liscense which was hacked a couple of months ago. The master card company, Fortiva, confirmed both applications were denied or rejected and gave me the fraudsters addresses on the applications to file a police report. 
XX/XX/year>2025 application address is XXXX XXXX XXXX XXXX XXXX XXXX, Kentucky XXXX phone number XXXX email address XXXX XX/XX/year>2025 application has the same address but a different phone number and email : XXXX email XXXX The fraudulent applications were in my name using my soicial security number. I was hacked a couple of months ago also with this person trying to us my info for other credit cards and mortgage loans through XXXXXXXX XXXX XXXXXXXX and XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX XXXX XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$8900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
I reached out to experian and disputed XXXX student loan accounts that said I was late by 90 days which I wasnt because I had a forbearance and currently still do for the next 3 months. They ducted XXXX points from my account. I told them I had a forbearance and that they need to put my student loans in good standing in stead of negative. They took a month to respond to the dispute and put my XXXX points back on my account and my accounts in good standing. This was XXXX XXXX when I got my points back. Well today its the very next day XX/XX/year> and they have deducted XXXX points and put my accounts in negative which they arent. I want my points back immediately and my accounts current. They are current on the other XXXX credit agencys. XXXX  is falsely reporting my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: Atlanticus Services Corporation
State: IN

Complaint narrative:
I canceled my autopay on my XXXX XXXX XXXX  which they dont dispute. However for 12 months, they continued to auto draft a bank account I dont use anymore and I was paying my bills with my debit card. The auto pays were being reversed of course, it racked up fees for that, late fees and interest and they closed my account. After they closed my account they still let the card be charged and I dont even know what those things are and they wont tell me. They wont take any time to sit and go over the bills with me. I dont dispute that I owe them a few XXXXXXXX XXXX. But they keep billing me for {$700.00} or more and the account is closed. Ive paid it anyways because I wanted my credit to not be affected. However, the principle is not going down and fees are still being charged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NC

Complaint narrative:
XXXX XXXX  decreased my credit limit on XXXX different cards stating credit score. I have always paid every month without missing XXXX payment. This " business practice " that they are allowed to do, caused my credit score to drop drastically and then caused another drop due to credit utilization on those accounts going up. This is wrong to do to people, especially when they are paying their bill every month without fail. This does NOT help Americans to get ahead in any way regarding their credit score.

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 2025-04-15 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXXXXXX XXXX decreased my credit limit on XXXX different cards stating credit score. I have always paid every month without missing XXXX payment. This " business practice " that they are allowed to do, caused my credit score to drop drastically and then caused another drop due to credit utilization on those accounts going up. This is wrong to do to people, especially when they are paying their bill every month without fail. This does NOT help Americans to get ahead in any way regarding their credit score.

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 2025-04-15 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: UT

Complaint narrative:
Im contacting you because theres a credit inquiry on my report from a company that I never gave permission to access my credit. At no point did I authorize this company to pull my information, and I have zero relationship with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
My mortgage was purchased by Lakeview loan servicing shortly after the purchase of my home in XXXX of XXXX. XX/XX/XXXX, I received a letter stating that my hazard insurance policy had expired, and I needed to submit updated insurance or risk being charged lender placed insurance. I contacted the previous insurer, hippo ( underwritten by XXXX XXXX XXXX ) XXXX to obtain the updated insurance policy. We were notified by XXXX that the policy had expired back in XX/XX/XXXX because the mortgage servicer ( Lakeview Loan Servicing ) had not paid it on time. We were unaware of this as we had not received anything from Lakeview Loan Servicing until the end of XXXX. Due to the length of time, they would not reinsure us. We contacted a number of other companies and were able to obtain a policy with Florida XXXX on XX/XX/XXXX. We submitted this to the servicer. On XX/XX/XXXX I received a letter informing me that my homeowners insurance policy was expired and that they were purchasing lender placed insurance issued XX/XX/XXXX for the effective dates of XX/XX/XXXX - XX/XX/XXXX. This insurance was for {$11000.00} ( over 700 % higher than our policy ). I contacted Lakeview Loan Servicing to obtain more information and was told the money was refunded back to my escrow account. I was unable to verify this based on what I could see on the application, however, believed the representative. I went in to pay my mortgage for XXXX and noticed the payment had increased by almost {$1000.00} a month due to an escrow shortage. I reviewed the documents available to me and noticed that I was charged for the lender forced insurance for XXXX for {$11000.00} in addition to the Florida XXXX XXXX for XXXX. I contacted the servicer on XX/XX/XXXX XXXX times and received three different answers. I contacted them again on XX/XX/XXXX and spent an hour with a representative trying to help me with no answer. I also sent emails on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and only received automated responses stating they were reviewing the information. I then received two letters on XX/XX/XXXX - one stating they renewed my lender forced insurance for {$11000.00} and one stating they cancelled it but did charge me {$1200.00}. All of this would have been avoided if the servicer paid the insurance policy on time and now my family and I are being penalized significantly for this. The cost of the policy is exorbitant and not 'bona-fide and reasonable ' ( Per 12 CFR Part 1024 ( h ) ( 1 ). Due to the error caused by the servicer, I am asking that they refund the XXXX policy for {$11000.00} that they charged us.

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 2025-04-15 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: UT

Complaint narrative:
Im contacting you because theres a credit inquiry on my report from a company that I never gave permission to access my credit. At no point did I authorize this company to pull my information, and I have zero relationship with them.

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 2025-04-15 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: OH

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-04-15 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am writing to formally request your assistance with a matter that has significantly damaged my credit score through unauthorized and repeated credit inquiries made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/year>, I purchased a vehicle from XXXX XXXX XXXX I was informed by my sales representative and finance manager that my financing was finalized ; as a result, I received my paperwork and took possession of the vehicle. Soon after, on XX/XX/year>, and over the following weeks, I provided the requested additional documentation ( VIN, insurance details, etc. ) without knowing that my loan approval had never been submitted to XXXX  XXXX XXXX. 

Due to multiple errors on the dealerships partincluding misrepresentations regarding financing finalization and repeated, unauthorized credit pullsseveral ( XXXX in total ) credit inquiries were made without my consent. Despite my clear instructions to halt further inquiries ( and my decision to return the vehicle on XX/XX/year> ), these inquiries were not stopped. As a result, my credit score has dropped by approximately XXXX points. I have retained all evidence of my communications with the dealership, including emails, text messages, and call recordings that demonstrate : The dealerships misrepresentation that my loan was finalized when, in fact, it was never approved ; My request to stop further credit inquiries ; and The unauthorized re-submission of my credit information despite my efforts to correct the situation. 

This series of events appears to be in violation of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i, credit reporting agencies are obligated to ensure that disputed information is investigated and corrected if inaccurate or unauthorized. Additionally, repeated unauthorized inquiries may be considered a violation of my rights under the FCRA and state consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CRED Technologies dba cred.ai
State: FL

Complaint narrative:
I am writing to file a formal complaint against cred.ai regarding their failure to issue my physical credit card and to properly update my shipping address, despite repeated efforts and verifications on my part. 

I recently opened an account with cred.ai and have, over the past XXXX weeks, repeatedly requested that my physical credit card be shipped to an alternate addressa property that I also own. I have submitted utility bills as proof of ownership and residence, which should suffice for address verification purposes. Despite this, cred.ai has yet to update my shipping address or send out my card. 

I have escalated this matter XXXX separate times, yet I continue to receive inadequate support and no resolution. Most recently, I was informed by cred.ai that if I do not activate my card soon, my account will be closed. This is not only unreasonable but deeply concerninghow can I activate a card that I have never received? 

If cred.ai closes my account due to their own failure to issue the card, it may result in damage to my credit score, through no fault of my own. If that happens, I will pursue legal action for any harm caused. 

I urge the CFPB to investigate this matter and ensure that cred.ai is held accountable for its negligence and potential harm to consumers credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report also lists a bankruptcy record that I believe is either inaccurate or unverifiable. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an entirely accurate credit report. I am requesting a review of this bankruptcy entry and, if it can not be substantiated, its removal.

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 2025-04-15 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:
Subject : Urgent Complaint Regarding Fraudulent Student Loan Reporting by XXXX To whom it XXXX concern, I am writing to file a formal complaint against XXXX ( XXXX  XXXX XXXX XXXX XXXX ) for reporting false and fraudulent information on my credit report. I have never opened any student loan accounts with XXXX, nor have I ever authorized them to open or service any loan on my behalf. 

Despite this, they are currently reporting student loan accounts under my name, which is a gross misrepresentation and a violation of the Fair Credit Reporting Act ( FCRA ). This is not only inaccurateit is illegal. I am being falsely associated with debt I did not incur, which is damaging my credit and potentially my financial future. 

I demand an immediate investigation into this matter, and I expect the removal of this fraudulent information from all of my credit reports. I also expect XXXX to be held accountable for their negligent and unlawful reporting practices. 

This situation is unacceptable, and I will pursue further legal action if necessary. I will not tolerate being falsely reported and penalized for a debt that does not belong to me.

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