vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
After my mortgage was transferred from XXXX to RoundPoint on XX/XX/XXXX, RoundPoint failed to fulfill its fiduciary responsibility to maintain my homeowner 's insurance coverage using escrow funds. 

On XX/XX/XXXX, RoundPoint withdrew {$710.00} from my escrow account, intended for insurance. However, they never sent the payment to my insurance carrier, XXXX XXXX resulting in policy cancellation and leaving my property uninsured for nearly a year. 

RoundPoint later claimed they attempted to contact XXXX, but I requested evidence ( letters, emails, or call logs ) and they provided no proof. 

They also never issued lender-placed insurance during this lapse. I was out of the country, and RoundPoint only sent one physical letter, with no follow-up via email or phone. 

On XX/XX/XXXX, I was forced to purchase a new policy with XXXX XXXX XXXX XXXX at a premium of $ XXXX, up from my prior $ XXXX a 52 % increase directly caused by the lapse. 

RoundPoint had both the funds and the duty to maintain coverage. Their failure caused documented financial harm, exposed my property to uninsured risk, and demonstrated a breach of their escrow and fiduciary obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: BARCLAYS BANK DELAWARE
State: AK

Complaint narrative:
On XX/XX/year> I submitted a dispute for Barclay 's Bank and this has not been resolved. This account does not belong to me and they are refusing to review the matter or remove this from 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 2025-05-28 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 insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My whole car loan was deleted off my report they added it back to Experian they told me I have to get in contact with Experian so they can share the loan information between the other two bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
When I checked my credit report today, I saw some inaccurate accounts listed, and I have no explanation for why they appeared. I look at my report regularly, and this is the first time Ive encountered such errors. I attempted to reload the page thinking it was a mistake, but the incorrect entries remained. Therefore, Im requesting that the documents I submitted be reviewed carefully so I wont have to deal with this 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
Consumer complaint received 2025-05-28 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: LA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: AZ

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
For months I was aware of accounts opened in my name without my knowledge or authorization. I contacted the company ( via reaching out through FTC identity theft report and sent to the crdit bureaus ) to request verification of the original documents and information used to open this account. However, they were unable to provide these details. This lack of documentation raises serious concerns and further supports my claim of identity theft. Some of these companies I called and found that the information they had ( spelling of name, ssn, address ) did not match my true information. I sent these companies my true information and they disregarded and failed to acknowlege the ID theft and maintained this account belonged to me. I request that this matter be investigated thoroughly and that any accounts or activity linked to this identity theft be suspended or removed from my records. I also request, per FCRA Section 609 ( a ) ( 1 ), full method of verification for the items in question, including the original signed contract or application bearing my signature. If you are unable to verify the accuracy and legitimacy of the item ( s ) within 30 days, you are required by law to delete the information from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: OK

Complaint narrative:
Response to XXXX shows Equifax did not even read the complaint. Equifax is illegally refusing me any access to my personal credit information and stating correct information provided to get my identity is incorrect. Documentation has been provided to them at least 20 times in 6 months proving my identity as requested. Furthermore Equifax has repeated stated none of my information exists in their system which a blatantly false as they are providing it to third parties. Under federal law I am provided rights to view all credit report information and correct any in inaccurate information. Equifax denies this right despite demands and is in violation of federal and state laws. 

Attaching screenshots showing Equifax providing third parties my credit information which they have in writing stated does not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
XX/XX/XXXX To Whom It May Concern, I am submitting this formal complaint regarding inaccurate and fraudulent information being reported on my credit report by EQUIFAX, as a result of a data breach that compromised my personal information without my consent. 



Specifically, I am disputing the inclusion of the following account ( XXXX ) currently listed by EQUIFAX : XXXX XXXX XXXX : Account number XXXX - Date opened XX/XX/XXXX - Balance {$160.00} XXXX : Account number - XXXX - Date opened XX/XX/XXXX - Balance {$140.00} XXXX XXXX  : Account number XXXX - Date opened XX/XX/XXXX - Balance {$160.00} My personally identifiable information ( PII ) was exposed in a known data breach, which I did not authorize and had no control over. Following this breach, unauthorized activity appeared on my credit report, which I believe constitutes identity theft and is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

In accordance with FCRA 611 and 605B, I have taken the following steps : Filed an official Identity Theft Report with the Federal Trade Commission ( FTC ).

Attached documentation including a copy of the FTC report, proof of identity, and a letter requesting the removal of fraudulent information.

Under FCRA 605B, I am entitled to have any information resulting from identity theft blocked from my credit report once I provide a valid identity theft report and written statement. I have also requested that EQUIFAX conduct a proper reinvestigation into these accounts in compliance with FCRA 611.

Despite my previous efforts to dispute this information directly with EQUIFAX and the furnishers, the item ( s ) remain on my report, causing significant and ongoing harm to my financial well-being, including damage to my credit score, denial of credit, and emotional distress.

I am requesting that the Consumer Financial Protection Bureau enforce my rights under the FCRA and take immediate action to ensure that the following item ( s ) are permanently deleted from my credit report maintained by EQUIFAX.

I am attaching the following documentation : Copy of my FTC Identity Theft Report Proof of identity ( drivers license, credit card bill, social security card ) Thank you for your time and attention to this matter. I look forward to your swift action to resolve this dispute. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4800.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2100.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-05-28 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: CA

Complaint narrative:
I was notified of a data breach that had my information exposed. I reviewed my credit and saw that these inquires where not mine. They do not map back to any open accounts or closed accounts. I was notified that someone tried to open an account in my name. Please remove these bank 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 explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Subject : Ongoing Inability to Access Equifax Credit File Possible Misattribution or Breach On XX/XX/XXXX at XXXX XXXX XXXX XXXX, I attempted to access my Equifax credit file to lift a security freeze using their automated system. Every verification question presented was completely unrecognizablenone matched any legitimate account or credit line I have ever held. I answered not applicable to all questions because none were mine. Despite providing my correct Social Security number, address, phone number, and ZIP code, Equifax failed to verify my identity and blocked access to my report. This is not an isolated incident. I was denied credit on XX/XX/XXXX specifically due to my inability to lift the freeze, and I remain locked out of my own credit file. I have filed complaints with the Georgia and Washington State Attorneys General and previously filed a complaint with the CFPBwhich Equifax has ignored. This raises serious red flags about their internal practices. I now suspect XXXX of XXXX possibilities : XXXX ) My file has been merged with another individuals, or XXXX ) There has been another data breach that Equifax has not disclosed. 
Either way, I demand immediate access to my credit report. Equifax is in clear violation of the FCRA by obstructing my federally protected right to review and manage my own credit information. If this matter is not resolved promptly, I will explore legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, Equifax credit reporting agency , remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened at XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$3700.00} XXXX XXXX XXXX XXXX BALANCED {$3500.00} XXXX XXXX XXXX XXXX XXXX {$0.00} These accounts have resulted in several fraudulent and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have submitted several complaints about Chime not properly investigating disputes and not returning authorization holds. IM never informed of investigation progress by XXXX  XXXX. Therefore, my complaints are disregarded and closed without my responses. The one I did respond to was closed by XXXX  XXXX after I disagreed, basically accepting the company response as XXXX, completely ignoring the fact that if they were performing properly, I would not go through the trouble of filing a complaint. Now, after refusing my request to close the account, mis-labeling my disputes and removing my credit I was given after being scammed by a fraudulent company representing themselves as XXXXXXXX XXXX on my bank statement ... hours after asking the disputes to be reopened and properly investigated, they sent me an email saying they are closing my account. 
The charge from the pretend airline, ended up being a scam site, not XXXX. I reported it as fraud, they filed it as " debit '' first and " incorrect amount '' second and none of the links to upload documents worked because they werebroken orforthe wrong dispute .They have caused problems with my XXXX and XXXX accounts because of incorrectly filing the disputes as unauthorized and duplicate, when I repeatedly told them the problem was them not returning my authorization holds and removing entries where the transactions occurred. One of my previously reopened disputes was instantly approved because Chime removed the charge from my statement and it was apart of an open dispute. I was told the charge was not there on their end, when I had a screenshot of all 3.A knowledgeable member services representative who actually could have a proper conversation, told me the complaint for the XXXX account was filed as unauthorized instead of the concern told them, the return of the second charge. The disputes list Chime asking for refunds.... not addressing the return of my hold charges. You guys have an open case against them for this and never contacted me about responding or adding me to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: PA

Complaint narrative:
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 this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

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