vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: TX

Complaint narrative:
I am unrelated to these accounts and request their prompt removal within 15 days pursuant to the FCRA.

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am disputing inaccurate reporting of my closed XXXX XXXX account on my TransUnion credit report. TransUnion is reporting 0 late payments, while XXXX and XXXX  are reporting different late payment histories, including a XXXX late that I do not recognize. These inconsistencies show that the information being furnished is not complete, accurate, or verifiable. 

The account is closed, yet there is conflicting payment history reported across all bureaus. Under the Fair Credit Reporting Act, TransUnion must ensure that all reported information is accurate and consistent. Since the payment history can not be verified with complete accuracy and consistency, the current reporting is misleading and damaging. 

I previously requested verification, and the data has not been corrected.

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 2025-12-08 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: NC

Complaint narrative:
This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX Balance {$480.00} Date Opened:XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXXalance {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKXXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
I am filing a formal complaint against Equifax Information Services LLC for failing to ensure the accuracy of my credit report. Equifax is reporting a XXXX XXXX XXXX collection account allegedly originated from XXXX XXXX XXXX, with a balance of {$3000.00}, account number XXXX, opened XX/XX/2025, and currently showing as past due. This information is being reported without proof that the account is accurate, complete, or legally mine, which violates FCRA 602 ( A ), 607 ( B ), and 611.

Despite my written dispute and request for proper reinvestigation as required by federal law, Equifax continues to report this unverifiable and inaccurate accountdamaging my credit reputation. They have failed to provide any validation or documentation from the furnisher to establish ownership or liability for this debt, which means the account must be removed immediately to maintain compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: SC

Complaint narrative:
Rocket Mortgage reached out to me about my interest in completing a refinancing of my mortgage which I was interested in doing to get cash back from my equity available. I began this process in early XXXX and was approved. Rocket Mortgage then requested the mortgage payoff statement from my current lender as well as many documents from me to show debts currently due and plans I had to pay off many debts with this refinance process. I provided documents, signed letters, etc. for six weeks expecting this loan to be processed by the listed date of XX/XX/year>. Then at the end of XXXX a loan consultant XXXX XXXX began reaching out regarding a HELOC payment that I make each month. She didn't understand the payment due date is at the end of each month on the XXXX and kept saying I was paying a month late each payment when in fact it was within the 10 day grace period. The HELOC with XXXX XXXX had also not reported in late payments on my credit report because there weren't any ( I called to verify with them ). XXXX said I had to prove no 60 day late payment for the past 12 months. When I sent the information proving this to her she belitteled me that I was paying my mortgage late ( the HELOC ) and by not telling her before it delayed the process and caused the blind to be leading the blind. I kept trying to explain to her that there were no late payments and sent her snapshots explaining the payment due dates and transaction dates. She said we would have to stop the loan process and was completely giddy to have this power over my application. She reached back out to me when I provided her my past 12 months statements and she changed the criteria to now prove no XXXX or XXXX day late payments for 24 months. Now we are past the XXXX timeline that I expected to have the loan completed and I'm behind with my current mortgage lendor as I had let them know I'd be paying off the balance with Rocket Mortgage. XXXX is expecting XXXX XXXX to complete a statement saying I had no late payments for 24 months but they refuse to participate in this game. Please help me I had depended on this loan so much and make plenty of income to be approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank is reporting an account on my credit report that I did not authorize or open. I have contacted them several times to fix this issue, and they temporarily removed the account but keep adding it back. I never applied for or consented to this account. It was opened on XX/XX/2023, with a reported balance of {$25000.00}. I called Synchrony Bank multiple times. About a week ago, I asked for the account number so I could report this matter to the CFPB. I previously made a payment using my Social Security number while trying to fix the issue, but the account remains and continues to be reported. This violates my rights under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681s-2 ( a ) : furnishing inaccurate or unverifiable information. 15 U.S.C. 1681i : failing to conduct a reasonable reinvestigation. 15 U.S.C. 1681c-2 : failing to block and remove information resulting from identity theft or unauthorized use. I am requesting a full investigation into Synchrony Banks repeated reporting of this fraudulent account.

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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
My Cash App account was closed for suspected fraudulent activity, which I did not engage in. I submitted an appeal requesting my account be reinstated and asked for an explanation for the closure. Cash App responded by denying my appeal but did not provide any actual reason or explanation for why my account was closed. This account closure appears unfair and I am requesting that Cash App provide a full explanation and review their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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 ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I reached out for a debt validation to be sent to me I was promised that it will come in the mail.i didnt get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: LA

Complaint narrative:
Equifax is reporting my XXXX  XXXX bankruptcy filed on XX/XX/XXXX, but the reporting is incomplete and misleading. My case ( reference number XXXX ) was dismissed by the U.S. Bankruptcy Court on XX/XX/XXXX. No repayment plan was confirmed, no confirmation hearing resulted in approval, and no debts were discharged.

Under the FCRA, public record information must be accurate, complete, and fully verifiable. Equifax is not reporting the dismissal date, is not showing that no plan was ever confirmed, and is not reporting that no debts were discharged. This creates a misleading and inaccurate record of the legal status of my bankruptcy. 

I requested reinvestigation, but Equifax did not correct the reporting. If Equifax can not verify ALL dismissal details directly with the U.S. Bankruptcy Court for the XXXX XXXX of Louisiana, the public record entry must be removed entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : IIncorrect Address - XXXX XXXX XXXX, XXXX, IA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, IN, XXXX EMPLOYER - XXXX EMPLOYER - BLAINS FARM FLEET EMPLOYER - TRIM AND SEAL This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

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 2025-12-08 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: MI

Complaint narrative:
I am writing to file a formal and urgent complaint regarding the inaccurate personal information that is being reported on my consumer credit report. I have made multiple attempts to rectify this issue, yet it remains unresolved, and I am extremely frustrated by the lack of action taken to correct these errors. 

The inaccurate information being reported is as follows : IIncorrect Address - XXXX XXXX XXXX, XXXX, IA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, IN, XXXX EMPLOYER - XXXX EMPLOYER - BLAINS FARM FLEET EMPLOYER - TRIM AND SEAL This inaccurate information is damaging my credit profile and severely affecting my financial wellbeing. Despite my attempts to dispute this with the credit reporting agencies and the responsible entities, the incorrect data continues to be reported, showing a blatant disregard for the accuracy and fairness requirements set forth under the Fair Credit Reporting Act ( FCRA ). 

I am demanding immediate removal of the erroneous personal information from my consumer report. It is unacceptable that my credit is being harmed due to mistakes that are not mine. The credit reporting agencies and the entities involved are clearly in violation of the law, and I expect swift action to resolve this matter. 

I request that the Consumer Financial Protection Bureau launch a full investigation into this matter and take immediate steps to ensure that my credit report reflects only accurate and verified information. 

I expect this issue to be addressed and resolved without further delay. If this situation is not remedied promptly, I will be forced to take further action, including pursuing legal options to hold the responsible parties accountable for the ongoing damage to my credit and personal reputation.Thank you for your immediate attention to this matter. I expect a prompt response and resolution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX Balance $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citicards thru there affiliate XXXX  will not grant to me the {$35.00} worth of credt points that I legally earned by using there credit card

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 2025-12-08 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PNC Bank N.A.
State: SC

Complaint narrative:
Pnc bank my card was fraudulent used on XXXX and I reported and it they it was not wrong even after the item wasnt ship to me it was overseas.

Company response to consumer: Closed with explanation