vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX * * * * Balance : {$4700.00}, XXXX  XXXX * * * * Balance : {$3800.00}

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 2025-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I am writing to file a formal complaint against AmeriSave Mortgage Corporation concerning an alarming incident involving a Home Equity Line of Credit ( HELOC ) for which I never applied. 

On XX/XX/year>, I received an unsolicited email from AmeriSave Mortgage Corp. stating that I had been denied for a HELOC loan. This was both confusing and concerning, as I have never initiated an application for such a loan with their institution. 

Seeking clarification, I promptly called their customer service number. The representative who answered the call initially acknowledged my concern, but after I stated clearly that I had never submitted a HELOC application, the line was abruptly disconnected. My subsequent attempts to reach them were unsuccessful, and I have received no follow-up communication or explanation. 
I find this situation deeply troubling for the following reasons : - The unsolicited nature of the credit denial raises questions about potential misuse of personal information. 
- The abrupt disconnection and lack of further engagement from their customer support is unprofessional and unacceptable. 
- I am now concerned about whether a credit inquiry was made in my name without my consent, which could negatively affect my credit score. 
I respectfully request that the CFPB investigate this matter thoroughly. I would like confirmation that : - No unauthorized application or credit inquiry has been made using my personal information. 
- AmeriSave Mortgage Corp. is held accountable for this lack of professionalism and potential breach of consumer rights. 
- Any negative impact on my credit report resulting from this matter be immediately addressed and resolved. 
Thank you for your attention to this serious concern. I am happy to provide further documentation if needed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : 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, Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ResidentCollect, Inc.
State: FL

Complaint narrative:
Innovative Recovery Inc is reporting a false, unvalidated collection account for {$10000.00} related to a property called XXXX XXXX XXXX. I have no knowledge of owing this debt, and I dispute its validity in full. 
I submitted a formal dispute and validation request to Innovative Recovery on XX/XX/year>, demanding : A copy of any agreement bearing my signature, An itemized breakdown of the charges, Proof they are authorized to collect this debt. 
They responded with a completely irrelevant identity theft packet, which I never requested. I clearly stated that this was not an identity theft case the account is simply false or incorrectly attributed. In their CFPB response, they admitted the packet was incorrect and claimed they would send proper validation. That never happened. 
Despite this, the company continues to report this account to all three major credit bureaus ( Experian, Equifax, and TransUnion ) with no supporting documentation, and no dispute notation. 
This is a direct violation of : FDCPA 1692g Failure to provide debt validation, FCRA 1681s-2 ( b ) Failure to conduct a reasonable investigation, FDCPA 1692e ( 8 ) Continuing to report without disclosing a dispute. 
This unverified tradeline is seriously harming my credit and has already resulted in a denial of housing and credit opportunities. 
I demand that the CFPB require Innovative Recovery to : Delete this collection account from all credit reporting agencies immediately, Provide written confirmation of the deletion, Be investigated for repeated violations of the FDCPA and FCRA. 
This company has had more than enough time and opportunity to verify this account they have failed to do so. I expect full removal and enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Denefits LLC
State: NC

Complaint narrative:
I signed up for a credit repair company XX/XX/year> to repair my credit. The company who collected payments is DENEFITS LLC .They informed me that every month my credit score would increase if I paid {$2000.00}. I didnt have {$2000.00} upfront so he said I could make payments. I made about XXXX payments of {$200.00} plus late payments. I had no improvement to my credit file so I stopped making payments in XX/XX/year>. I started getting repeating emails and I told them I wasnt going to continue because I saw no results. I got email threatening to sue me and then shortly they added a collection to my credit files. 

Credit repair companies can not charge you before they have delivered the promised results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: SC

Complaint narrative:
I discovered that the XXXX XXXX XXXX account on my credit report was inaccurately reporting multiple late payments, including XXXX, XXXX, and XXXX delinquencies, despite the account being paid in full. The account shows a dispute was filed but states dispute resolved consumer disagrees, yet the derogatory remarks remain. 

I initially disputed this account by certified mail beginning in XXXX and sent multiple dispute letters to both Experian and XXXX  through XXXX and XXXX, requesting verification or removal of the inaccurate data. In each case, I provided supporting documentation, including ID and proof of address. Despite these efforts, no proper reinvestigation was conducted, and no proof of verification was provided. 

As of my most recent credit report dated XX/XX/XXXX, XXXX continues to report the account with late payments and an unresolved dispute status. Equifax lists the account as paid but omits the full history and dispute context, making the file misleading and incomplete. 

Due to the failure of the credit bureaus and the furnisher to investigate and correct the information under their obligations outlined in the Fair Credit Reporting Act ( FCRA ), I am filing this formal complaint. I am requesting the permanent deletion of the XXXX XXXX XXXX account due to its inaccurate, incomplete, and unverifiable reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NJ

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-07-01 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: VA

Complaint narrative:
Im writing to demand the immediate removal of an unauthorized hard inquiry that has appeared on my credit report. I did not authorize this inquiry, I never gave written or verbal consent, and there is no permissible purpose for it to be there under the Fair Credit Reporting Act ( FCRA ). 

This is a direct violation of my rights. Let me be clear : I did not initiate any application, request, or transaction that would justify this inquiry, nor was I informed about it. Whoever accessed my credit file did so without my knowledge or approval, which is completely unacceptable. 

Under the FCRA, a credit inquiry can only be made with clear, documented authorization and for a legitimate, permissible reason. This inquiry fails to meet those conditionsand therefore it must be removed.

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 2025-07-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
As a XXXX  citizen, under the international tax treaty between XXXX and the United States, my dividend payments should be subject to a XXXX XXXX withholding rate, not XXXX XXXX. However, XXXX has consistently withheld XXXX XXXX from my dividend payments, despite my repeated efforts to resolve this matter. 

Over the past XXXX weeks, I have contacted your support team multiple times regarding this issue. Each time, I have been instructed to resubmit the same form ( at least XXXX times ), which I have done without any resolution. I have provided all requested documentation, including screenshots, my XXXX  legal ID, and bank statements, on XXXX separate occasions. Despite this, I continue to face the same incorrect withholding rate. 

Additionally, I have noticed that after a few days, my case is closed without any explanation or resolution, forcing me to start the process again with no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
No charges was ever shown on a statement I dont know if they pad did my bill I didnt use this card that much I dont know what was bought from me I think there a SCAM. I want a print on a statement showing everything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CT

Complaint narrative:
This is an old account from around XXXX that was already closed and removed from my credit report years ago. I did not reopen or reactivate this account. However, on XX/XX/XXXX, Jefferson Capital Systems reported it again as a new open collection for the amount of {$660.00}, which is now negatively affecting my credit. 

This debt should not be reported as active because it was already resolved and closed. I never authorized any new activity on this account, and I was never properly notified before it appeared again on my credit report. I tried contacting Jefferson Capital by phone to dispute and request documentation, but I didnt receive a response or any proof of the debt. 

This situation is unfair and damaging, and I am formally disputing this account and requesting its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These marks have been detrimental to my life and credit health.

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 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 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 2025-07-01 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: CA

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act.

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 2025-07-01 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: AR

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 2025-07-01 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: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX 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
Consumer complaint received 2025-07-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
I was a victim of identity theft. This company removed this account two weeks ago and keep placing it back. Ive never had business with this company

Company response to consumer: Closed with explanation