vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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 to formally dispute several inquiries listed on my credit report that I did not authorize, approve, or initiate. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, to dispute any item on my credit report that I believe to be inaccurate or the result of fraud. According to FCRA 604 ( a ) ( 3 ), a consumer reporting agency may furnish a consumer report only for specific " permissible purposes, '' which include situations where a consumer initiates a transaction. Since I never gave authorization nor initiated any application with these companies, these inquiries are impermissible under the law.

Moreover, under FCRA 611 ( 15 U.S.C. 1681i ), when a consumer disputes information, the credit bureau is required to conduct a reasonable reinvestigation. However, I have serious concerns regarding the adequacy and transparency of your investigative procedures. Consumers have repeatedly faced barriers and form-letter responses that do not indicate any meaningful review.

I would like to remind you that in XX/XX/XXXX, credit bureaus, including Experian, XX/XX/XXXX, and XX/XX/XXXX, have faced class action lawsuits and legal scrutiny due to failing to conduct proper investigations into disputed information particularly under cases such as : White v. Experian Information Solutions , Inc., where the court criticized Experian 's automated reinvestigation system for failing to properly handle disputes.

Richard Williams v. Equifax, where the plaintiff alleged that XX/XX/XXXXrepeatedly verified accounts despite the consumer providing extensive proof of fraud.

FTC v. TransUnion, where XX/XX/XXXXfaced penalties over deceptive practices and lack of proper investigative efforts.

These legal actions highlight a clear pattern of non-compliance and serve as further evidence that many investigations being carried out may be unreasonable, inadequate, and often automated, rather than case-specific and fair. 


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 2025-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
Ive reached out to Lockhart, Morris, & Montgomery in regards to account XXXX asking for the : assignment contract, debt validation, proof of me owing said debt, and proof from them ( Lockhart, Morris, & Montgo ) stating that they own said debt and that they have the right to collect said debt. After further investigation they were not eligible to provide me with any information that I requested ; in addition to not closing said collection it resulted in me losing over XXXX points off of my credit score/file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Block, Inc.
State: MD

Complaint narrative:
I have been receiving cash via Cashapp earlier this month to pay rent since I exhausted my XXXX weekly unemployment checks on XX/XX/year>. 
I received an email about the Borrow feature up to {$200.00} XX/XX/XXXX the day after I began full time employment. 
Nevertheless, I applied for {$160.00} Thursday XX/XX/XXXX for the first time. 
I chose the XXXX flexible payment schedules in the amount of {$42.00} on Friday XX/XX/XXXX when I receive my first paycheck until the final payoff of {$160.00} Friday XX/XX/XXXX. 
CashApp charged me an {$8.00} flat fee and it was posted on my credit union checking account with the total amount of {$160.00} to be repaid by final date XX/XX/year>. 
I called CashApp Support on Friday XX/XX/XXXX and yesterday XX/XX/XXXX informing them I haven't received {$160.00} in my checking account but I received numerous emails yet no resolution on why I haven't received the funds posted in my account still. 
I acknowledge the fact they can't reverse the loan yet they deducted {$8.00}. 
Had I known and understood about the process I wouldn't have borrowed the money to buy groceries or to pay a bill or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
Trustmark Bank is my new mortgage owner ; they are requesting a month in advance for payments to be made for hazard and tax in a timely manner. They want an extra month of your homeowners monthly insurance ( {$150.00} ) and taxes ( {$110.00} ). Neither of these are due yet, because it was paid in advance in closing fees. Which has increased my monthly payment. My house payment was {$1800.00} Now its {$1800.00}. Trustmark is stating that in closing my fees was short by {$270.00}. That is not true. I should not have to pay fees that is not due until they are due. I contacted my closing attorney office they deny that my closing fees was short. If I don't pay {$270.00} up front Trustmark Bank states, they will add to my monthly payment for XXXX  months. I refuse to pay because its not due. I need help proving that this is unfair. my Trustmark XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
incorrect bankruptcy information on my account, called court they advised the information does not match my information or creditors names. 
I need it removed from my 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 non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
incorrect bankruptcy information on my account, called court they advised the information does not match my information or creditors names. 
I need it removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: AL

Complaint narrative:
laws were broken because of a breach. My account was affected by XXXXCongressional findings and statement of purpose My consumer rights were violated according ( a ) Accuracy and fairness of 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 explanation
Consumer complaint received 2025-07-21 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: AL

Complaint narrative:
laws were broken because of a breach. My account was affected by XXXXCongressional findings and statement of purpose My consumer rights were violated according ( a ) Accuracy and fairness of credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: GA

Complaint narrative:
I am writing to formally dispute the reporting of the XXXX XXXX account listed on my credit report. After reviewing my credit file, I found multiple serious inconsistencies and inaccuracies that violate the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX credit reporting guidelines. 

Here are just a few of the errors I noticed across your report and others : Inconsistent High Balance Reporting : One bureau reports a {$10000.00} high balance, while another reports {$23000.00} both can not be correct.

Conflicting remarks : The remarks section varies wildly across bureaus ( e.g., " Charged Off, '' " Purchased by Another Lender, '' and " Transferred to Another Lender '' ). These are contradictory outcomes and create confusion and harm.

Repeated Charge-Off Notations : Experian shows multiple months of charge-offs in XXXX. A charge-off is a one-time event it should not be repeated monthly. This directly violates XXXX XXXX reporting guidelines. 

Different Last Activity Dates : This account shows conflicting last activity dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). This inconsistency calls into question the accuracy of the entire tradeline. 

Missing and Incomplete Payment History : TransUnion shows no payment history at all. This lack of completeness, combined with conflicting data from other bureaus, is a violation of FCRA 1681e ( b ), which requires maximum possible accuracy. 

Due to these inaccuracies and XXXX XXXX violations, the account is unverifiable and misleading. I am requesting that you delete the XXXX XXXX account from my credit report entirely under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: MO

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute and complaint regarding Experian failure to conduct a proper reinvestigation of inaccurate and/or unverifiable information reported on my credit file, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ). Despite my prior disputes and the evidence, I provided, Experian failed to perform a reasonable investigation, and in some cases responded with generic " verified '' language without any explanation or transparency into the investigation process. I am hereby demanding that Experian immediately reinvestigate and delete the following disputed accounts that are inaccurate, unverifiable, or both Collections XXXX XXXX XXXX {$230.00XXXX XXXX XXXX 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 These items have caused undue harm to my credit standing, resulting in denials for credit, housing, and financial opportunities. Under FCRA 1681i, Experian is legally obligated to : 1. Conduct a timely and reasonable reinvestigation of disputed accounts. 2. Delete any item that can not be verified or is found to be inaccurate or incomplete. 3. Provide written results of the reinvestigation and a description of the procedure used. I am requesting the following actions be taken : - A full and proper reinvestigation into each of the above-referenced accounts. 
- A detailed explanation of the methods used to verify the accuracy of each account. 
- The removal of any account that remains unverifiable, inaccurate, or incomplete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
To Whom It May Concern, I am writing to inquire about a credit dispute that was in progress on my XXXX  XXXX, issued by Wells Fargo. My account was recently closed due to an insufficient funds incident during a payment, and I understand that Wells Fargo has informed me the dispute was resolved. 

Specifically, I had an active dispute for {$53.00} prior to my account closure. While I received correspondence indicating the dispute was processed, I have not received any check, credit, or further notification regarding the outcome or how the funds were disbursed. 

If my dispute was indeed successful, I request a clear explanation of where these {$53.00} funds have been allocated. Please provide a detailed account of the dispute resolution and the method by which I should expect to receive these funds. 

My personal information is as follows : Email : XXXX Phone : XXXX Name : XXXX XXXX I look forward to your prompt response and clarification on 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 2025-07-21 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: OH

Complaint narrative:
Failure to correct known FCRA and Metro 2 violations despite previous disputes and legal notices. I am a victim of false reporting, unauthorized inquiries, and inaccurate personal and account information reporting. I submitted an affidavit with legal demands and evidence, but the CRAs and furnishers failed to correct the errors or provide proper Method of Verification ( MOV ).

Violations Committed : FCRA 602 ( a ) Failure to ensure accurate and fair reporting FCRA 604 ( a ) ( 3 ) Multiple inquiries made without permissible purpose ( XXXX ) FCRA 605 ( b ) Outdated, negative data still reported FCRA 609 ( a ) ( 1 ) No original signed contract provided despite request FCRA 611 ( a ) ( 1 ) ( A ) No meaningful reinvestigation done within 30 days FCRA 611 ( a ) ( 5 ) ( B ) No notice of reinsertion after removal FCRA 623 ( a ) ( 1 ) Furnishers are reporting false and inconsistent information Metro 2 Violations : Reporting charge-offs with no balance updates Suppressed dispute codes ( XXXX XXXX  ) Improper use of Compliance Condition Codes Retention of obsolete addresses and names File segmentation failure ( XXXX XXXX XXXX file issues )

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 2025-07-21 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:
Failure to correct known FCRA and Metro 2 violations despite previous disputes and legal notices. I am a victim of false reporting, unauthorized inquiries, and inaccurate personal and account information reporting. I submitted an affidavit with legal demands and evidence, but the CRAs and furnishers failed to correct the errors or provide proper Method of Verification ( MOV ).

Violations Committed : FCRA 602 ( a ) Failure to ensure accurate and fair reporting FCRA 604 ( a ) ( 3 ) Multiple inquiries made without permissible purpose ( XXXX ) FCRA 605 ( b ) Outdated, negative data still reported FCRA 609 ( a ) ( 1 ) No original signed contract provided despite request FCRA 611 ( a ) ( 1 ) ( A ) No meaningful reinvestigation done within 30 days FCRA 611 ( a ) ( 5 ) ( B ) No notice of reinsertion after removal FCRA 623 ( a ) ( 1 ) Furnishers are reporting false and inconsistent information Metro 2 Violations : Reporting charge-offs with no balance updates Suppressed dispute codes ( XXXX XXXX  ) Improper use of Compliance Condition Codes Retention of obsolete addresses and names File segmentation failure ( XXXX XXXX XXXX file issues )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: PR

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : -XXXX XXXX XXXX Account number : XXXX -XXXX XXXX XXXX Account number : XXXX -XXXX XXXXXXXX Account number : XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES : -XXXX  Inquired on XX/XX/XXXX -XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX -XXXX XXXX  Inquired on XXXX XXXX, XXXX -XXXX  Inquired on XXXX XXXX, XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX XXXXXXXX XXXX XXXXXXXX Account number : XXXXXXXX XXXX  Account number : 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 2025-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I acquired a new homeowner 's insurance policy after the expiration date of my policy with XXXX, with XXXX, an affiliate of XXXX around XX/XX/year> to lower my monthly payments. Then around XXXX, I made a XXXX change to lower my Personal Property coverage amount, again to lower monthly payment. I received a refund check from the new carrier for {$290.00} with no instructions or explanation of what the check was for but since I had gotten a new policy with lower cost, I assumed it was a refund for that reason. Then on XX/XX/year>, I received and deposited a 2nd check of {$410.00}. Again no additional info as to what the refund was for. Since I lowered my Personal Property coverage amount, I just figured that was a refund for that reason. I deposited both checks in my checking account and used the funds to pay bills. It wasn't until I received notice from Rocket Mortgage that my monthly payment was going from $ XXXX to $ XXXX that I became concerned. I called to find out why and was told there are been double payments made to my original homeowner 's carrier and to the newest carrier and the checks should have been sent to the Mortgage Company. I do not have additional funds to make the the payment prior to the XXXX. I receive a deposit on the XXXX and can pay the mortgage at that time. However I incur a Late Fee each month. It has indeed been a hardship since my goal had been to lower my insurance payments. My history otherwise has not included late fees for quite some time. Only with this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: GA

Complaint narrative:
This letter serves as my final formal demand regarding the unauthorized hard inquiries listed below, which continue to appear on my Equifax credit report despite my previous dispute submitted on XX/XX/year> ( Case # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud Under federal law, you are required to block fraudulent information from my file within 4 business days of receiving a valid identity theft report. You have failed to do so, which constitutes a willful violation of federal law. Furthermore, I have issued a written revocation of authorization to each furnisher. Continued reporting of these accounts without a permissible purpose is now considered unauthorized data furnishing under FCRA 604.

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 2025-07-21 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:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud Under federal law, you are required to block fraudulent information from my file within 4 business days of receiving a valid identity theft report. You have failed to do so, which constitutes a willful violation of federal law. Furthermore, I have issued a written revocation of authorization to each furnisher. Continued reporting of these accounts without a permissible purpose is now considered unauthorized data furnishing under FCRA 604.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: CO

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ). This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 
XXXX XXXX XXXX XXXX XXXXXXXX

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