vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have disputed inaccurate and unverifiable information on my credit report multiple times with Experian. Specifically, I am disputing the following accounts being reported. 

Despite my written disputes, the credit bureau ( s ) have failed to properly verify these accounts or provide original documentation, such as signed contracts or account-level records. Instead, they have provided only automated responses through e-Oscar, which does not satisfy the reasonable investigation requirement under the Fair Credit Reporting Act ( FCRA 611 ).

The continued reporting of these unverifiable accounts is causing ongoing harm to my credit profile.

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 2025-10-21 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: TX

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CBC Companies, Inc.
State: IL

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 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 explanation
Consumer complaint received 2025-10-21 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: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX, which is currently reporting an auto loan charge-off for approximately {$11000.00} on my credit report. I have no signed agreement, contract, or proof of liability for this account, and I did not authorize or initiate any financing through XXXX XXXX. 

This account appears to have been fraudulently opened or misreported as a result of identity theft and/or data exposure from the recent nationwide credit bureau data breach . I have already submitted formal disputes under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) and 623, requesting verification and documentation of the alleged account. Despite these lawful requests, XXXX XXXX and the credit bureaus have failed to verify or provide any proof that this account is valid or that I am legally obligated to it. 

The continued reporting of this unverified and unauthorized account violates my rights under 15 U.S.C. 1681b, 1681i, and 1681c-2, as it constitutes the furnishing of inaccurate information and failure to conduct a reasonable investigation. This false reporting has directly harmed my credit standing, resulting in credit denials, financial loss, and emotional distress. 

I am requesting that the CFPB require XXXX XXXX XXXX and the credit bureaus to immediately delete this account, block it from reappearing, and provide written confirmation of its permanent removal. 

Failure to comply within the required time frame will constitute willful noncompliance under FCRA 616617, and I reserve my right to pursue civil damages, attorneys fees, and statutory penalties for the continued unlawful reporting of this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent RoundPoint Mortgage Servicing LLC a written Qualified Written Request / Notice of Error under RESPA regarding its improper placement of Wind Insurance ( policy XXXX ) on my loan. I explained that I have continuous XXXX XXXX homeowners coverage effective XX/XX/XXXX, XXXX XXXX, XXXX, which includes windstorm coverage and satisfies my mortgage requirement for hazard insurance. 

RoundPoint acknowledged receipt of my letter on XX/XX/XXXX, but did not provide any of the requested information or cancel the lender-placed policy. Instead, on XX/XX/XXXX, it issued a new escrow analysis increasing my monthly payment effective XX/XX/XXXX to include the disputed lender-placed insurance charge. 

Under 12 C.F.R. 1024.37 ( g ), a servicer must cancel lender-placed insurance within 15 days after receiving proof of coverage, and under 1024.37 ( i ) it must suspend related charges while the issue is in dispute. RoundPoint has not done so. The mortgage documents require only standard hazard insurance and do not authorize separate hurricane or windstorm-only coverage. 

I am requesting that RoundPoint cancel the lender-placed policy, refund all related charges, correct my escrow analysis, and confirm compliance with Regulation X and my loan terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AZ

Complaint narrative:
I am submitting this complaint because I have six prior open complaints with CFPB against my federal loan servicer ( Mohela ), filed between XX/XX/year>, and XX/XX/year>. 

Case numbers include : XXXX ( filed XX/XX/year> ) XXXX ( filed XX/XX/year> ) XXXX ( filed XX/XX/year> ) XXXX ( filed XX/XX/year> ) XXXX ( filed XX/XX/year> ) XXXX ( filed XX/XX/year> ) All of these complaints remain marked Company response in progress well beyond the XXXX response timeline, and none have been substantively resolved. 

This pattern shows Mohela is failing to respond through the CFPB process and leaving me without resolution, despite repeated attempts through XXXX, DOE, and direct servicer contact. 

I am requesting that CFPB escalate these unresolved cases and intervene to ensure that Mohela and the Department of Education provide a timely, substantive response. 

Desired Resolution : Escalation of my unresolved complaints and immediate response from Mohela. 

Confirmation of CFPB oversight actions to address Mohelas systemic non-responsiveness. 

Written assurance that my complaints will not be left indefinitely marked as in progress.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-21 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: GA

Complaint narrative:
Due to a period of incarceration, I was unable to make timely payments on my credit card. It was a difficult time in my life, but Ive taken steps since then to rebuild and make things right. Im committed to addressing my past due balances and improving my financial habits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information. 

To protect myself and follow the proper legal process, I filed a Police Report ( XXXX XXXX. XXXX ) documenting the unauthorized activity. 

Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days. This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). 

Despite providing my police report and full documentation, the unauthorized hard inquiry remains on my credit file. The following inquiry was never initiated or authorized by me : XXXX - XX/XX/year> Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of this inquiry has harmed my credit score and raised concerns about the security of my personal information. It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 

I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing a collection account from Credit Collection Services that is reporting on my credit report in the amount of {$140.00}. I do not believe this account is accurate or properly verified. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incomplete or inaccurate. I am requesting that this collection account be investigated and deleted if Credit Collection Services can not provide valid documentation proving that the debt belongs to me and was reported correctly. 

Please confirm in writing once the investigation is complete and my credit report has been updated accordingly. 

Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I have disputed the following fraudulent accounts on numerous occasions including XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and most recently XX/XX/year>. I have submitted documentation to prove I am a victim of identity theft, yet the bureaus continue to refuse to respond accordingly. I submitted copies of the FTC report along with proof of my identity. These accounts were opened without my permission and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX, my Self Lender account was reported as late. I fully acknowledge responsibility ; however, I was still recovering from the impacts of XXXX XXXX, which caused widespread disruption in our area after XX/XX/XXXX. Like many families, I experienced financial and emotional hardship for months afterward. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was doing my best to manage household and recovery-related expenses. Unfortunately, during that chaotic time, one payment slipped through. I immediately caught up, have remained current ever since, and my account is otherwise in good standing. 

I contacted Self Lender requesting a one-time courtesy removal of this late payment as a goodwill adjustment, given the extraordinary circumstances. I explained that I have since regained financial stability and am now in the process of purchasing a home for my family. 

I am not seeking financial assistance only that the company consider removing this single late mark as a compassionate goodwill action, reflecting that the issue stemmed from a natural disaster recovery period. 

Self Lender has not yet honored my request, and I am seeking the CFPBs assistance to review this matter and ensure fair consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CBC Companies, Inc.
State: IN

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 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Transunion continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-10-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I tried to deposit an inherence check from my mother who pasted away for $ XXXX. I tried to deposit using my phone, but the sum was too large, so I drove to the ATM since no Bank of America banks are close. I deposited the check as I was supposed too and everything was fine. Today, the check which was on hold and deposited XX/XX/XXXX deposited at XXXX XXXX I received a letter on XX/XX/XXXX from Bank of America stating the check is on hold still since the check may have been returned. HOW XXXX can an employee be working for and finical institution? That check was DEPOSITED to Bank of America at XXXX XXXX on XX/XX/XXXX which I have a receipt for that day to them. 
Please try and clear this up and also add this to the BOA complain file for the future, Class Action Law, suit please. I can't believe a finical institution would employee anyone of this caliber.

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 2025-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
All major third-party consumer reporting agenciesXXXX XXXXXXXX, XXXX, and XXXX frozen on my consumer file. Therefore, XXXX Equifax, and XXXX no longer have a lawful permissible purpose or verifiable data source to continue reporting any disputed or closed tradelines, including those furnished by XXXX XXXX Bank. 

Because these accounts are closed, duplicate, and unverifiable, I request permanent deletion of all XXXX XXXX Bank tradelines and written documentation of the verification method, source, and furnisher contact used during reinvestigation. 

If the bureaus or furnisher can not provide evidence of verification obtained through a lawful data source, they are required under FCRA 611 ( a ) to delete the information 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-21 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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