vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-12 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: IN

Complaint narrative:
I am reporting multiple accounts appearing on my credit report that I never opened, authorized, or managed these entries are the result of identity theft. These fraudulent accounts are being reported under my name without my knowledge or consent and are presenting inaccurate, misleading information about my financial history. This is a serious violation of my privacy and consumer rights, and it has caused significant stress and damage to my credit standing. I need an explanation of how these accounts were added and who reported them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: AL

Complaint narrative:
I am writing to formally dispute certain accounts, inquiries, and late payments on my credit report that I believe contain inaccuracies. Below are the details of the disputed items, separated by credit bureau. 
Charged-Off Accounts 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 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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
This complaint concerns excessive and misclassified lender fees applied by Rocket Mortgage to a Release of Liability ( assumption ) transaction. 
Despite multiple written requests and executive-level escalations, Rocket mortgage confirmed it will not adjust or justify refinance-level fees totaling {$4600.00} on a non-refinance assumption. 

I am requesting CFPB review of whether these charges are consistent with assumption-level pricing and compliant with fair servicing standards. 



XXXX XXXX XXXX Rocket Mortgage XXXX XXXX XXXX * XX/XX/year> : Submitted request for Release of Liability ( assumption ) to remove a borrower while keeping existing loan terms unchanged. 
XXXX XXXX XXXX XXXX XXXX Received Closing Disclosure showing total costs of {$4600.00}, including {$730.00} XXXX XXXX and {$1300.00} Services Borrower Can not Shop For. 
XXXX XXXX XXXX XXXX XXXX  Requested fee review because amounts appeared refinance-level, not assumption-level. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX escalated to XXXX XXXX XXXX ( confirmed in writing ). 
* XXXX XX/XX/year> : Followed up several times due to no response ; XXXX confirmed case was re-forwarded. 
* XXXX XX/XX/year> : XXXX XXXX requested clarification ; I confirmed this was for fee re-evaluation, not new loan pricing. 
* XXXX XX/XX/year> : XXXX stated their banking team would review. 
* Subsequent email from XXXX XXXX : Confirmed lender-controlled fees total ~ {$2100.00} and are unable to be altered or waived. 
* Final confirmation from XXXX XXXX XXXX : As the loan currently stands that is correct. 


Summary : Rocket Mortgage confirmed in writing that it will not adjust or explain refinance-level charges on a non-refinance assumption. These fees are roughly double the normal assumption range ( {$1000.00} {$2300.00} all-in ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding multiple inaccurate and misleading items being reported on my credit file by various furnishers and/or credit reporting agencies. These inaccuracies are seriously damaging my creditworthiness and constitute violations of the Fair Credit Reporting Act ( FCRA ). 

XXXX. Wrong Address Reporting The following addresses have been wrongfully associated with my credit profile. I have no connection or residency history with these locations : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX These addresses are inaccurate and must be removed immediately. The reporting of addresses not belonging to me raises concerns of identity confusion, potential mixed files, or data mishandling by the credit bureaus. 

XXXX. Inaccurate Late Payment Reporting The following accounts are being reported as having late payments, which is completely false and unsupported. I have never made any late payments on these accounts, and these derogatory marks are damaging and misleading XXXX XXXX XXXX XXXX XXXX XXXX XXXX | High Balance : {$1900.00} | Date Opened XXXX XXXX XXXX XXXX XXXX | High Balance : {$1400.00} | Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | High Balance : {$630.00} | Date Opened XXXX XXXX XXXX XXXX XXXX XXXXXXXX | High Balance : {$0.00} | Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | High Balance : {$27000.00} | Date Opened : XX/XX/XXXX These accounts are being inaccurately reported as delinquent or late. I dispute the validity of these late payment notations and demand an immediate reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ). No verifiable evidence exists to support that I ever failed to make timely payments. 

If the furnishers or bureaus can not provide documented proof of delinquencyincluding original account statements showing specific missed due datesthey are legally required to delete or correct these items immediately. 

Requested Resolution I am requesting that the CFPB ensure the following actions are taken by all involved credit reporting agencies and furnishers : Immediate deletion of the inaccurate addresses listed above. 

Correction or removal of all the falsely reported late payment designations. 

Confirmation in writing that these corrections have been completed and that my file has been updated accordingly. 

These errors have caused me significant distress and have unfairly impacted my credit standing. I am submitting this complaint in good faith and request the CFPB to investigate and compel compliance with the FCRA to ensure the accuracy and integrity of my consumer report. 

Thank you for your attention and assistance in resolving these matters.

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 2025-11-12 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:
I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into 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 explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
I am disputing the following charged-off accounts on my Experian credit report. These accounts are inaccurately reported and should be removed or corrected as per the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} Inquiries : Experian ( XXXX ) : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Late Payments : XXXX Account Number : XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX 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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
I paid XXXX XXXX to fix my credit, the following debt XXXX are trying to get me to pay them for a debt they do not own, XXXX different companies are XXXX  and reporting false information on my credit report. They are not the original creditor, I did not sign any documents with them. I contacted the original creditor and the show the account as paid and closed. Now I have received a copy of a statement, not from the original creditor, but from the debt collector. 
There are now XXXX different debt XXXX trying to intimidate me into paying them. I have repeatedly along with XXXX XXXX, requesting Debt Validation, XXXX of Sale of Debt from original creditor, summary of the account including all payments with the date. I have not received any information request by the following debt XXXX, XXXX XXXX XXXX, LVNV Funding LLC, XXXX XXXX XXXX, The receivable XXXX XXXX, the are reporting false information on my credit report, ie : open date, balance, payment status. XXXX sick of them not abiding by the rules and refusing to provide the documents requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: MoneyLion Inc.
State: KY

Complaint narrative:
Oh XX/XX/XXXX I applied to money line for a loan of {$1000.00} using my bank account for collateral which receives about {$2400.00} I was approved. I would like to give a screenshot. But once I got to the page to be given the money, I was disapproved and told I had to call Money Line Support, which I did. He apologized and told me it was system generated. His name was XXXX and that he could not give me any more information. Then I asked for a supervisor and his name was XXXX and he said it was system generated and he couldnt give me information, but I asked him why they approved me for the loan and then disapproved me on the phone and neither of them gave me any information

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2 ( Section 605B ), I am formally demanding the immediate removal, deletion, and blocking of the fraudulent accounts and inquiries listed on my credit report. This request is submitted under the protection of federal law due to verified identity theft and exposure of my personal information during the Equifax data breach, which significantly compromises the accuracy and integrity of the data being reported. Under Section 605B, the credit reporting agency is legally obligated to block and remove this information within XXXX ( XXXX ) business days upon receipt of a valid identity theft report. Failure to comply constitutes a direct violation of the FCRA and subjects your agency to regulatory consequences and potential legal action. This is a final and urgent demand for compliance. Please confirm the removal in writing and issue updated copies of my credit report reflecting these changes. Thank you for your prompt attention to this matter. 

FRAUDULENT ACCOUNTS TO BE BLOCKED IMMEDIATELY : XXXX XXXX XXXX- I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax XXXX breach. These items are inaccurate and must be deleted from my credit report. - Please remove this from my credit report. 

XXXX XXXX -I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax XXXX breach. These items are inaccurate and must be deleted from my credit report. - Please 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 2025-11-12 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-12 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: FL

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-12 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: MS

Complaint narrative:
I am writing to dispute several accounts that have been reported inaccurately and are negatively impacting my credit report. Please find below a detailed breakdown of the disputed items separated by credit bureau. I request that the necessary corrections be made to my credit report and that I be notified of any updates to these accounts. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
I am disputing the following information on my TransUnion credit report. Please investigate the accuracy of these entries : Charged Off : ( No items listed ) Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Positive Accounts : ( No items listed ) Late Payments : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX, Account Number : 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