vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-14 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:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered the unauthorized credit inquiries on my credit report in XX/XX/year> while reviewing my credit file for accuracy. I did not authorize or apply for credit with any of the listed companies. The fraudulent inquiries occurred on the following dates : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> ), XXXX XXXX ( XX/XX/year> ), 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  ( XX/XX/year> XXXX XXXX These inquiries were made without my knowledge or consent. Due to the recent federal government shutdown, I was unable to obtain an official affidavit through the XXXX website at the time I discovered the activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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 discovered the unauthorized credit inquiries on my credit report in XX/XX/year> while reviewing my credit file for accuracy. I did not authorize or apply for credit with any of the listed companies. The fraudulent inquiries occurred on the following dates : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> ), XXXX XXXX ( XX/XX/year> ), 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  ( XX/XX/year> XXXX XXXX These inquiries were made without my knowledge or consent. Due to the recent federal government shutdown, I was unable to obtain an official affidavit through the XXXX website at the time I discovered the activity.

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 2025-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Movement Mortgage LLC
State: NC

Complaint narrative:
Complaint # XXXX was submitted on XXXX XX/XX/year>, the company addressed half the issues while leaving out the real ones. 

The issue of my taxable income being inflated ( SSDI ) was not addressed. It was in fact, completely ignored. The proof is in the closing documents. 

Yes, {$1200.00} of income that does not exist was added to my pension : it is called the VA waiver and if you ate adding that XXXX it means that you can not conclude my VA XXXX income. If that XXXX isnt taken out, I dont get paid XXXX. You can not include that {$1200.00} while at the same time include my VA XXXX. The proof is in the closing documents. 

You did not address the loan application being labeled as a cash out refinance even though it was not. The proof is in the closing documents : that is lined out and the actual loan type checked correctly. 

Walking in to my wifes place of work, handing her a business card and telling her to have your husband call this number is 100 % attempting to circumvent the process and an attempt at intimidation. You outright lied in your response to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover card services, posted a late payment on the credit bureau. I have this credit card and another loan with discover set up on auto pay. The credit card they stopped autopay stating that they didnt have a recording of me approving it. Yet they had been pulling automatically from the beginning. The representative was very nice when I called and recognized it was their fault that they lost my recording for approval. Meanwhile they kept pulling from my same bank account for the other loan I have with them. When I saw the late charge I was outraged and more so that discover doesnt want to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
Rocket Mortgage put an inquiry on all my XXXX credit reporting agencies XXXX XXXX and XXXX XXXX on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: AE

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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
My mortgage was originated by XXXX XXXX XXXX on XX/XX/year> and is currently serviced by RoundPoint Mortgage Servicing. The fully executed Promissory Note from closing shows XXXX borrowers : myself ( XXXX XXXX ), my husband ( XXXX XXXX ), and my brother in law ( XXXX XXXX XXXX ). All three of us signed the note as borrowers. 

RoundPoint has provided inconsistent and incorrect information about our loan for several days. Multiple RoundPoint representatives told me that only XXXX borrowers were on the loan and that my brother in law was not part of the mortgage. After XXXX calls, RoundPoint finally acknowledged that all three of us are in fact on the loan and that all three of us had a late payment reported to the credit bureaus. 

RoundPoint also had the wrong phone number on file. This prevented proper delinquency notifications from reaching us. Neither my husband nor I received any valid notice prior to the reported late payment. My brother in XXXX did not receive any notice either. Because all three of us are borrowers, the servicer had a responsibility to notify all parties, and this did not happen. 

The failure to notify us, the incorrect borrower information provided repeatedly, and the confusion inside RoundPoint created a servicing error that directly led to the negative credit reporting. The balance was paid immediately once we learned of the issue. 

I am requesting that CFPB review this matter, and that RoundPoint remove or suppress the derogatory credit reporting for all borrowers because the late reporting resulted from servicing errors, incorrect borrower handling, and failure to notify all responsible parties. 

I have documentation including the signed Promissory Note that confirms all three borrowers. I am attaching that with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
Im really worried and upset about whats going on. When I checked my credit report with Experian, I found several accounts I dont recognize or remember opening. It looks like someone stole my personal information and is pretending to be me.

This whole thing has been very stressful.Ive tried reaching Experian, but havent gotten the help I need. Im hoping you can look into this, remove the fake accounts, and help me protect my identity. 

ACCOUNTS : XXXX-credit card-XXXX  XXXX, XXXX ; XXXX XXXX unsecured-XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX credit cardXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX charge cardXXXX XX/XX/XXXX XXXX XXXXXXXX XXXXcredit card- XXXX XXXX ; XXXX XXXX XXXX XXXX Credit cardXXXX XXXX, XXXX ; XXXX XXXX unsecured- XXXX XXXX ; XXXX XXXX XXXX Debt Buyer-XXXX  XXXX, XXXX ; XXXX XXXX XXXX Debt buyer-XXXX XXXX, XXXX ; XXXX XXXX XXXX Debt buyer-XXXX  XXXX, XXXX ; XXXX XXXX XXXX Debt buyer-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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I was charged {$190.00} for a Target credit card I never used in a Target location I've never been to. I spoke with Target about it and they told me to come here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I purchased a cashier 's check for {$21000.00} for a family to purchase a Truck on XX/XX/year>. The family deposited the check in his PNC Bank account and it has not been released due to a hold on it. Additional verification from me was needed, like bank statements from XXXX XXXX showing withdrawal from my savings account and the cashier check receipt, and the bank receipt for the withdrawal and purchase of the cashier check. A few days later we found out that more verification was needed, so PNC Bank attempted to contact XXXX XXXX to verify that monies were indeed withdrawn from my account. Calls for 2 days, sitting in PNC bankers office for almost 2 hours with promises that funds would be released in 24 hours but was not, and 2 hours on the phone with PNC Bank customer service only to find out they were unable to stay on hold with XXXX XXXX and then being told by PNC Bank manager that there is a extended hold on the check because they don't believe it will be paid, so hold won't be released until XX/XX/year>. Me and my family member have been very patient with this rediculss process at the PNC Bank located at XXXX XXXX XXXX, XXXX XXXX FL, XXXX, contact number XXXX, my family member has been a customer with PNC for 10 years and is ready to close his account and bank with XXXX XXXX due to PNC terrible customer service and different rules and regulations that different staff were telling us us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Gordon, Aylworth & Tami, P.C.
State: OR

Complaint narrative:
In 2025, I was served with legal paperwork from Gordon, Aylworth & Tami, PC regarding an alleged debt. I filed court paperwork stating that my income is entirely from XXXX Veteran Benefits, which are federally protected from collection under 38 U.S.C. 5301 and related laws. Despite this, the company continued the lawsuit.

After I informed the court and the agency in writing that my income is exempt, they filed another separate case against me for a different alleged debt. I again submitted court filings confirming that my only income is protected under federal and state law. The company has continued with both lawsuits regardless of this information.

I also contacted the company by phone to explain my income status directly. During that call, their representative stated that they would continue pursuing collections until they are unable to get money from me. These actions appear to violate the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) by knowingly attempting to collect from protected income and continuing legal action after being informed multiple times of my exempt status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account has been fully paid and should not be reported as a negative item. However, the credit report continues to display a negative comment, a previous adverse status, and an account marked as closed by the credit grantor on the date of the first delinquency, all of which are derogatory. This information is both inaccurate and outdated, and it is adversely affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Under the Fair Debt Collections Practices Act, I am entitled to request validation of the debt that is allegedly owed. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I am a long-time Bank of America credit card holder with an excellent payment history. I have never missed or delayed a payment and have always paid my balance in full through auto-pay. 

In XX/XX/XXXX, I switched my auto-pay to a different linked account, which created a brief XXXX lapse between my statement due date ( XX/XX/XXXX ) and the new auto-pay activation ( XX/XX/XXXX ). When interest and late fees appeared, I contacted a representative who immediately understood the issue, refunded both charges, and assured me the account was corrected and that the problem would not recur. 

Despite those assurances, the same issue has repeated every month. XXXX statement : {$24.00} interest charge. Refund request denied with a final decision notice dated XX/XX/XXXX. XXXX statement : {$30.00} interest charge. Refund request denied on XX/XX/XXXX. 

I contacted Bank of America each moth this recurred, and multiple representatives repeatedly confirmed that ( 1 ) my auto-pay is properly configured, ( 2 ) the prior lapse was resolved, and ( 3 ) I would not see further interest. Yet the charges continue to appear each month, and each new review contradicts the prior promises.

This pattern indicates a servicing or system error, not customer negligence. I did nothing other than update my auto-pay account, and I have done everything in my power to resolve this issue. I have relied in good faith on repeated assurances from Bank of Americas representatives that the matter was fixed.

This has now resulted in multiple escalations, hours on the phone, contradictory information, and continued financial harm. I am a reliable customer with limited income who pays in full each month specifically to avoid interest. The ongoing misinformation and repeated denials have made it impossible to maintain that record despite my best efforts.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this 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 2025-11-14 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: FL

Complaint narrative:
According to the fcra 15 U.S. Code 1681e, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


You guys are reporting inaccurate employment on my consumer report, XXXX XXXX XXXX which is spelled incorrectly and DRIVER should not be on my consumer report delete or remove this immediately!

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