vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
I am a victim of identity theft and found several inquires that I did not authorize on my XXXX report. 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 2025-07-25 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:
Please delete this unauthorized account from my credit report, as it is not associated with me. I also request a prompt investigation to identify and correct any other errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
This complaint is not being submitted in error. My credit report contains inaccurate and unverifiable information that fails to meet the legally required standard of maximum possible accuracy. These errors are causing significant harm to my financial stability and overall well-being, especially during an already difficult time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: NC

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 2025-07-25 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: NC

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NC

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
I am currently in Foreclosure with a Sell Date of XXXX. XXXX Mortgage has given me the run around on bringing my Mortgage up to date. Each time I send the requested amount they send out another Mortgage XXXX Representative to do XXXX XXXX by of my home only to add more fees for me to come up with. They have returned my payments/bank wire and failed to draft my account for the payment which set in my account so long that my Bank called and wanted to know what was going on. The representatives keep giving me the wrong amounts to send in even after requesting a reinstatement quote. My current issue is that I was approved for XXXX XXXX XXXX program and they sent a request for XXXX to XXXX mortgage through the government portal and they keep refusing the document by stating that they have not received it in which they did this before. I threaten to sue them and then all of a sudden they found it. So now with less than a XXXX weeks away I am trying to get them to send over the requested information. Ive been given XXXX emails to send this info to and XXXX states that they have done so. The first request was sent on XX/XX/XXXX through a portal and they sent over an email request XXXX times to all three of the emails given by the representatives and yet they state that they have not received ( XXXX, XXXX XXXX XXXX XXXX and XXXX ). Each representative that I have spoken to states that this is not the correct email to send it to this email which ends up being XXXX of the XXXX that was given. I have escalated to Supervisors and spoke to the relationship XXXX and I have not received any assistance nor have they stopped my foreclosure. The Representative heard the people from XXXX state that my application was approved for assistance and yet they have not done anything to stop my foreclosure. They are trying to take my property because I have XXXX in equity in my property. I need your help because XXXX XXXX is trying to communicate with them to reinstate my mortgage. HAF is approved on my loan to discuss my loan and to receive and provide my information and it states this on my account that they are authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: IL

Complaint narrative:
I have been a victim of identity theft. Fraudulent accounts have been opened and reported on their credit file without their knowledge, authorization, or consent. These accounts are not associated with any transactions initiated by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I need to make it absolutely clear that this complaint is not a mistake. My credit report contains inaccuracies that fall short of the maximum possible accuracy required by law. These ongoing errors are taking a heavy toll on my well-being and continue to impact my life in deeply negative ways. These are difficult times, and correcting or removing these inaccuracies would be an immense help and a much-needed relief.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: MA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXXXXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On or about XX/XX/XXXX, Coinbase froze access to my account thereby removing my access to my legitimate funds in my account. The bank claimed that they needeed additional informaiton to verify my identity and would send an email concerning this matter. Two weeks later, the email never came. I reached out to Coinbase support concerning this issue via chat, and was given a case number. In XXXX hours the case was shown to be closed on their web site with no resolve or access to my fund restored. I called Coinbase on XXXX to speak with a live rep, only to be told that I should recieve an email and there was no exact date that he could provide to say as to when this email would come. In the mean time, the balance of my account and the investments in the account continue to depreciate in value with the ebb and flow ofo the market with no way for me to access my money and trade as intended with the Coinbase platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
I have been a victim of identity theft. Fraudulent accounts have been opened and reported on their credit file without their knowledge, authorization, or consent. These accounts are not associated with any transactions initiated by me. 

XXXX account # XXXX XXXX  account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I filed a XXXX XXXX XXXX that was XXXX in XX/XX/XXXX. 

I transferred the deed over to my mother for a home in XXXX I need for Shellpoint Mortgage to : 1. ) Stop reporting that mortgage on my is open on all three of my credit reports!

2.. ) Remove the mortgage notation on all three of my credit reports!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: OH

Complaint narrative:
Upon reviewing my credit report, I discovered an inquiry that I do not recognize and did not authorize. I have never applied to or given consent for this company to access my credit information. This unauthorized inquiry is causing me significant stress and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: MA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of anxiety, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to dispute the accuracy of information on my credit report regarding a Comenity Bank account [ include account number if available ]. This account was charged off and written off, with Comenity Bank reporting the charge-off multiple times since XX/XX/year>. I request its immediate removal pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., due to noncompliance with reporting requirements.

Under FCRA Section 611 ( 15 U.S.C. 1681i ), you must investigate within 30 days and remove inaccurate or unverifiable data. Additionally, FCRA Section 1681e ( b ) requires you to follow reasonable procedures to assure maximum possible accuracy, which is violated by repeated charge-off reporting post-write-off. I assert : 1. Reporting Violation : Per FCRA Section 605 ( c ) ( 15 U.S.C. 1681c ), a charge-off is reportable for XXXX  years from the first delinquency, not repeatedly. Multiple reports since XX/XX/year> are inaccurate. 
2. Lack of Verification : Under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), Comenity Bank must validate this data, which they have not done post-write-off. 
3. Legal Context : Cause No. XXXX invalidated a related debt, suggesting reporting issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
Delete the unauthorized credit inquiry listed on my TransUnion credit report. I am a victim of identity theft, and I never gave permission for this company to access my credit file. This inquiry was made without my knowledge or consent and must be removed immediately. 

Inquiry to be deleted : XXXX ( XXXX ) I have attached my FTC Identity Theft Report to confirm that my personal information was used without authorization. TransUnion is not allowed to report inquiries that were made without a valid reason or without my approval.

This situation violates my rights under the following federal laws : 15 U.S.C. 1681b ( f ) No person or company may obtain a credit report without a lawful purpose.

15 U.S.C. 1681c-2 ( FCRA 605B ) Requires consumer reporting agencies to block fraudulent information within four ( 4 ) business days after receiving an identity theft report.

15 U.S.C. 1681a ( 4 ) Protects my non-public personal information from being misused or shared without permission.

15 U.S.C. 1681b ( a ) ( 2 ) States that consumer consent is mandatory before any inquiry is made.

This inquiry is harming my credit and affecting me emotionally. Im asking the Consumer Financial Protection Bureau ( CFPB ) to ensure that TransUnion removes this inquiry immediately as required 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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: BROKER SOLUTIONS, INC.
State: TX

Complaint narrative:
Background and loan application misconduct ; mishandling of Appraisal and Reconsideration of Value ( ROV ) ; improper loan terms and document handling ; and disclosure failures & ownership transfer concerns regarding existing note dated XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: MI

Complaint narrative:
I have recently reviewed my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
The car was total loss and paid off by insurance this company is reporting XXXX on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The car was total loss and paid off by insurance this company is reporting XXXX on my credit 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 explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The car was total loss and paid off by insurance this company is reporting XXXX on my credit 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