vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: MD

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. These are the unauthorized inquiries : XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX )XXXX XXXX XXXX XXXXXX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). Additionally, I request that you provide the specific reason for reporting these inquiries, as outlined by 15U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached my FTC Identity Theft Criminal Complaint # XXXX as proof from the Federal Trade Commission confirming these inquiries are fraudulent due to 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 explanation
Consumer complaint received 2025-05-07 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: LA

Complaint narrative:
I previously contacted the credit reporting agencies by phone and certified mail to request verification of these accounts. Despite being unverified, one or more of these accounts continue to appear on my credit profile. This violates my rights under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681 No written consent was given to furnish this information.

15 U.S.C. 1681c-2 Reporting accounts resulting from identity theft is prohibited.

15 U.S.C. 1681e ( b ) Reporting unverifiable information fails the requirement for maximum accuracy.

These fraudulent entries are severely damaging my credit and financial opportunities. If these accounts are not removed within 15 business days, I will pursue monetary compensation of {$1000.00} per violation and take further legal action as permitted 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I contacted the company asking for method of verification, and a 1099c because they have charged off the accounts. Want chain of commands and copy of securitization an also if the account has been sold which they did sell the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: SC

Complaint narrative:
XXXX XXXX XXXX, I XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Account Number XXXX XXXX I have filed XXXX dispute letters about the inaccurate information and you have yet to delete this account off of my credit profile. XXXX XXXX XXXX has reported a duplicate copy of the account so that it looks like XXXX different accounts. This account was removed from my other credit reports due to the inaccurate information and the duplication of the account. Due to the recent lawsuit filed against Equifax on XX/XX/year>, I insisted that Equifax conduct a full investigation as you are required by the FCRA Law. I asked for exact details or the deletion of the disputed items within the required timeline of 30 days and still nothing was done on XXXX separate occasions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TX

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 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 2025-05-07 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Attention : Chief Financial Officer XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NOTICE AND DEMAND FOR REMOVAL OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To Whom It May Concern : This is a formal notice regarding your unlawful access and reporting of an unauthorized hard inquiry on my consumer credit report. I have not granted your organization authorization to obtain my consumer report, nor do you have a permissible purpose under federal law to access my private information.

Pursuant to 15 U.S.C. 1681b ( f ) of the Fair Credit Reporting Act ( FCRA ), consumer reports may only be accessed with explicit permissible purpose or consumer consent. Your unauthorized access violates the following : FCRA 604 ( a ) [ 15 U.S.C. 1681b ] : Permissible purposes for obtaining a consumer report. FCRA 619 [ 15 U.S.C. 1681q ] : Criminal liability for obtaining consumer information under false pretenses. 
Specific Violations XXXX. Unauthorized Access You unlawfully obtained my consumer report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, without my consent or any permissible purpose under 15 U.S.C. 1681b. There is no contractual relationship, account, or transaction initiated by me that would justify such access.

2. Failure to Certify Purpose Under FCRA 607 ( a ) [ 15 U.S.C. 1681e ], you are required to certify the permissible purpose of your inquiry to the Consumer Reporting Agency ( CRA ). I demand the general or specific certification you provided to the CRA for this inquiry. 
3. Aggravated Identity Theft Your actions violate 18 U.S.C. 1028A, as you knowingly accessed and used my personal identification without lawful authority. This constitutes aggravated identity theft, a felony punishable by imprisonment and fines. 
Harm Caused by Your Actions As a result of your willful violations of the FCRA, I have suffered the following damages : Denial of new credit. Negative impact on my credit score. Emotional distress and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
On XX/XX/year>, I called Ford Credit ( which is where the loan is through ) to ask about the interest, etc. because the loan amount breakdown doesn't match what we were told. When purchasing the car, we were told that with Flex pay, the first three years payment would go towards the principal mostly with a low interest, and then after 3 years our payment would increase and additional interest would kick in then. However, upon getting our statement, we can see that 47 % of our payment is going towards interest. I called Ford to ask about it, and three reps said they didn't understand why I was told that as it's not correct. They filed an internal complaint but that's all they could do as they can't refinance us. I called the dealer ship and the sales guy said he'd have someone call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: DISCOVER BANK
State: NJ

Complaint narrative:
I am writing to formally dispute a fraudulent charge on my credit card account [ Account Number : XXXX. I did not authorize the transaction described below and request that it be removed from my account immediately. 

Details of the fraudulent transaction : Date of transaction:11/27/2018 Merchant name : DISCOVER BANK Amount charged : {$2400.00} XXXX became aware of this unauthorized charge on [ Date you noticed the charge ] when reviewing my credit card statement. I have no knowledge of this transaction and did not authorize anyone to use my credit card for this purchase. I suspect that my account may have been compromised and am taking the necessary steps to protect my identity.

In accordance with the Fair Credit Billing Act ( FCBA ), I am requesting that you investigate and resolve this matter promptly. Please confirm in writing that the charge has been removed and that my account has been credited for the disputed amount. 

Enclosed are copies of supporting documents such as your statement with the charge highlighted, a fraud affidavit, or any correspondence related to the dispute. 

Please acknowledge receipt of this letter and keep me informed of the progress and outcome of your investigation. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
According to the Fair Credit Reporting Act, the following accounts below has been deemed as a profit and loss and has been reported to the IRS. These accounts can not be updated as delinquency this is also a violation of code 15 USC 1681 S-2 and 15 USC 1681 E ( B ) laws The accounts are Account : XXXX Account Number : XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
According to the Fair Credit Reporting Act, the following accounts below has been deemed as a profit and loss and has been reported to the IRS. These accounts can not be updated as delinquency this is also a violation of code 15 USC 1681 S-2 and 15 USC 1681 E ( B ) laws The accounts are Account : XXXX Account Number : XXXX Account : 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 2025-05-07 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: TX

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting.

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law.

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
I am writing to formally dispute the handling of payments and transactions applied to my mortgage account referenced above. After reviewing the transaction history, I have identified several inconsistencies and suspect that my payments have not been applied correctly. Below are key issues found across multiple statements and screenshots from my payment ledger : XXXX. Misapplied Payments & Suspense Account Usage Several payments, including those on XX/XX/XXXX, XX/XX/XXXX, and other dates, were not applied to principal or interest and instead were routed into the suspense account, despite being equal to or greater than the scheduled monthly payment. 
Payments appear to have been reversed or moved without clear explanation. 
XXXX. Unjustified Corporate Adjustments & Misapplication Reversals Numerous entries such as Corporate Adjustment and Misapplication on Reversal ( e.g., XX/XX/XXXX and XX/XX/XXXX ) are unclear and unexplained. These seem to negate previously made payments or reclassify them arbitrarily. 
XXXX. Returned Items Without Cause There are multiple instances where payments are marked as Returned Item Reversal ( e.g., XX/XX/XXXX, XX/XX/XXXX ) even though there is no record of returned funds in my bank account or any notice of failed transactions. 
4. Escrow Fluctuations & Insurance Disbursements Mortgage insurance disbursements on multiple dates ( e.g., XX/XX/XXXX, XX/XX/XXXX ) were deducted despite the escrow balance being healthy. In many cases, these were followed by suspicious repayments or negative balance adjustments. 
XXXX. Late Fees & Charges Despite Timely Payments Late charge assessments ( e.g., XX/XX/XXXX, XX/XX/XXXX ) were added even when timely payments had been submitted, often forcing my account into an artificial negative status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENOVA INTERNATIONAL, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX This company has called my relatives and friends multiple times. They gave them my social security number AND reference number. This is unacceptable and I need this to be addressed. 

I called them as well to get answers and instead of helping they stated they have the right to call anyone to get my location. This company needs to get investigated ASAP as they failed to send me any letters, emails or leave voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: MO

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion

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 2025-05-07 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate and derogatory information appearing on my TransUnion credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting an immediate reinvestigation of the following account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2000.00} This account appears to be inaccurately reported or may have resulted from identity compromise. Due to the history of the TransUnion Data Breach, which has raised legitimate concerns regarding the security and accuracy of consumer information, I request that this matter be treated with the utmost urgency.

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 2025-05-07 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: IL

Complaint narrative:
I notice these accounts that don't belong to me I didn't apply for these accounts and I did have any knowledge of knowing about these accounts ACCOUNTS creditor XXXX XXXX  accounts number XXXX date open XX/XX/year> amount {$7200.00} creditor XXXX XXXX accounts number XXXX date open XX/XX/year> amount 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