vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am A victim of identity theft, in the process of buying a house, I realized my identity was stolen and used to obtain a bank account and apply for auto loans. The companies that were utilized are 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

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 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
I received a letter on XX/XX/year> ( although it was dated XX/XX/year> ) from New American Funding stating my loan was being transferred to XXXX powered by XXXX. I immediately registered for XXXX 's online portal. Within the portal I found a due date of XX/XX/XXXX ( which was incorrect-my XX/XX/year> mortgage payment was paid XX/XX/year> ). I emailed XXXX and received an acknowledgment message that my email was received. I called XXXX during their business hours but was met with a message stating they were closed and a restatement of the business hours during which they obviously werent open. 

My issue are XXXX. I dont owe any mortgage for XX/XX/year>. XXXX needs to make aure all monies paid are transferred properly to new mortgage company and balances updated accordingly. 
XXXX. My escrow amount varies drastically from New American Funding to XXXX ( that also needs to be resolved ). 

New American Funding needs to stop post dating letters they send in the mail. It does not take 10 days for any mail they send me to reach me. It was dated to be in compliance with the laws, but it wasnt sent before that time frame. XXXX needs better customer service. Their service rating is below par.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MD

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-12-02 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Nexus Nova LLC
State: GA

Complaint narrative:
I received a letter on XX/XX/year> ( although it was dated XX/XX/year> ) from XXXX XXXX XXXX stating my loan was being transferred to Rosegate powered by XXXX. I immediately registered for Rosegate 's online portal. Within the portal I found a due date of XX/XX/XXXX ( which was incorrect-my XX/XX/year> mortgage payment was paid XX/XX/year> ). I emailed Rosegate and received an acknowledgment message that my email was received. I called Rosegate during their business hours but was met with a message stating they were closed and a restatement of the business hours during which they obviously werent open. 

My issue are XXXX. I dont owe any mortgage for XX/XX/year>. XXXX needs to make aure all monies paid are transferred properly to new mortgage company and balances updated accordingly. 
XXXX. My escrow amount varies drastically from XXXX XXXX XXXX to Rosegate ( that also needs to be resolved ). 

XXXX XXXX XXXX needs to stop post dating letters they send in the mail. It does not take 10 days for any mail they send me to reach me. It was dated to be in compliance with the laws, but it wasnt sent before that time frame. Rosegate needs better customer service. Their service rating is below par.

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 2025-12-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America has denied my fraud claim 3 times for very vague unsupported reasons. I have filed police report and contacted the bank the funds were transfered to ( XXXX  ) but they are not willing to talk to me since it is not my account. Yet bank of America says the money that was fraudulently transfered was into an account in my name.

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 monetary relief
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law. 

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

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 2025-12-02 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: TX

Complaint narrative:
I applied for a car loan and learned that I have negative information 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 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing a complaint because Citi is charging me an annual fee and late fees for a credit card that I never received, never activated, and never used. 

The physical card was never delivered, and Citis system shows the card status as Not Delivered. Because the card never arrived, I have no access to the card number, and Citi did not provide it to me during phone calls. The only information I have is the last XXXX digits : XXXX. 

Citi has posted a {$99.00} annual fee, and with added late fees, the balance has now increased to {$130.00}, even though I have never had the ability to activate, access, or use this account. 

Because the card was never delivered : I could not activate the account I could not make any purchases I did not receive any benefits associated with the annual fee I can not verify or access the account, since Citi will not provide the full card number Under the Fair Credit Billing Act ( FCBA ), I should not be held responsible for charges related to a credit card that was never received nor activated. Despite this, Citi has refused to remove the annual fee and associated late fees. 

I am requesting the CFPBs assistance to : Remove the annual fee and all related late fees Ensure no negative credit reporting occurs Correct the account to reflect that the card was never received, never activated, and never accessible to me Thank you for your assistance.

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 monetary relief
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
Dispute of Fraudulent Accounts : I am writing to formally dispute several fraudulent accounts that have been opened in my name as a result of identity theft. According to Section 605B of the Fair Credit Reporting Act, I am requesting that these accounts be investigated and subsequently removed from my credit report. The accounts in question are as follows : XXXX XXXX XXXX Opened : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I have not authorized the opening of these accounts, nor have I received any statements or correspondence regarding them. I request that you conduct a thorough investigation into these accounts and provide me with the results as soon as possible. I also ask that you remove these fraudulent entries from my credit file. Enclosed are copies of my identification and any relevant documents that support my claim of identity theft. 

Please confirm receipt of this letter and advise me on the next steps in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
Dispute of Fraudulent Accounts : I am writing to formally dispute several fraudulent accounts that have been opened in my name as a result of identity theft. According to Section 605B of the Fair Credit Reporting Act, I am requesting that these accounts be investigated and subsequently removed from my credit report. The accounts in question are as follows : XXXX XXXX XXXX Opened : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I have not authorized the opening of these accounts, nor have I received any statements or correspondence regarding them. I request that you conduct a thorough investigation into these accounts and provide me with the results as soon as possible. I also ask that you remove these fraudulent entries from my credit file. Enclosed are copies of my identification and any relevant documents that support my claim of identity theft. 

Please confirm receipt of this letter and advise me on the next steps in this process.

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 2025-12-02 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: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-12-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my credit report, similar to the concerns outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The CFPB lawsuit alleges that Experian has systematically failed to reasonably investigate consumer disputes, improperly handled dispute documentation, and failed to ensure the accuracy of consumer credit files. I have personally experienced many of these same issues, and I demand immediate corrective action and deletion of accounts referenced

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I reviewed my TransUnion credit report and discovered several accounts that I did not open, authorize, or use. These accounts are the result of identity theft. I submitted a formal identity-theft block request under FCRA 605B and provided all required identifying information and documentation. Under federal law ( 15 U.S.C. 1681c-2 ), TransUnion is required to block and remove identity-theft-related information from a consumers file within four ( 4 ) business days of receiving a proper request. Despite this requirement, the accounts remain on my file and have not been blocked or deleted. The fraudulent accounts include multiple charge-offs and other negative tradelines that do not belong to me. TransUnion continued to report these items even after being notified that they were identity-theft accounts. This has caused ongoing harm, including inaccurate credit reporting, denial of credit, and damage to my credit standing. I requested that TransUnion : Block and delete all identity-theft accounts ; Provide confirmation of the deletion ; Notify the furnishers to stop reporting the fraudulent information ; Provide an updated corrected credit report. TransUnion did not comply with the requirements under FCRA 605B and failed to remove the fraudulent information within the mandated four-business-day timeline. I am filing this complaint to request CFPB assistance in enforcing the FCRA and ensuring the immediate deletion of all identity-theft-related accounts on my TransUnion file.This writing is a formal letter of willful non compliance.

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 2025-12-02 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:
I am filing this complaint because my Transunion credit report contains multiple hard inquiries that I did not authorize, and these inquiries appear to be connected to identity theft. These entries were made without my consent, which means there was no permissible purpose under 15 U.S.C. 1681b, and Transunion has failed to ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). The disputed inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the CFPBs assistance, guidance, and intervention to ensure that Transunion properly investigates these unauthorized inquiries, deletes them from my credit file, and corrects any harm caused by these unauthorized inquiries. I am also asking the CFPB to oversee this matter and ensure Transunion complies with federal law. Please note that I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding this issue. I expect a prompt and accurate resolution. Failure to act will result in further escalation of 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 2025-12-02 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: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX SC XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX not reported in TU XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : $ XXXX not reported in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$150.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX

Company response to consumer: Closed with non-monetary relief