vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Closed Accounts Not Belonging to Me Dear [ Recipient 's Name ], I hope this letter finds you well. I am writing to formally dispute the closed accounts listed on my credit report that do not belong to me. According to the Fair Credit Reporting Act ( FCRA ) and the Consumer Protection Act, I have the right to dispute any inaccurate information on my credit report, and I believe that these accounts are erroneously associated with my identity. 

I have recently reviewed my credit report and identified several accounts that I do not recognize. These accounts are as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX I have taken steps to investigate these accounts and have found no evidence that I am associated with them. As per the Consumer Protection Act, I request that you provide verification of the ownership of these accounts within the required timeframe. If you are unable to provide sufficient proof that these accounts are legitimately linked to me, I kindly request that you remove them from my credit report urgently. 

In addition, please confirm the steps you will take to ensure that my rights as a consumer are protected, as stipulated under the law. I would appreciate your prompt attention to this matter and request that you respond to my dispute within the next 30 days. 

Thank you for your cooperation. I look forward to resolving this matter amicably. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: NC

Complaint narrative:
Account was paid, closed in XXXX of XXXX  Its still showing a collection on my credit report I want it removed!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
i have not supplied proof under the XXXX of XXXX by the XXXX XXXX v XXXX ( mo ) XXXX XXXX. Presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX  balance {$430.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$480.00}, XXXX XXXX balance {$950.00}, XXXX balance {$4800.00}.

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 explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i have not supplied proof under the XXXX of XXXX by the XXXX XXXX v XXXX ( mo ) XXXX XXXX. Presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX  balance {$430.00}, XXXX XXXX balance {$0.00}, XXXX XXXX balance {$480.00}, XXXX XXXX balance {$950.00}, XXXX balance {$4800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I am filing this complaint because Rocket Mortgage has inaccurately reported four late mortgage payments to my credit report, despite the fact that I was in an approved deferment due to job loss and attempted for over a month to make a payment. 

These late payments were not reported during the forbearance period. Instead, Rocket Mortgage reported all four late payments at once, retroactively, in XX/XX/year>. This is retroactive delinquency reporting, which is prohibited under both CFPB mortgage servicing guidelines and FCRA. 

I repeatedly contacted Rocket Mortgage throughout the past 2 month attempting to come out of forebarence, I was told laws changed and needed to wait till 4 months to apply. I did that. I called back because I hadnt heard back and said I was denied a payment plan and they wouldnt allow me to make a payment and establish a repayment plan.unless I paid two full payments and then they still wouldnt give me what the payment plan would be. Each time, Rocket Mortgage denied my ability to make a payment and told me that because my loan is less than six months old, I could not enter any hardship or repayment options. 

I am now fully employed and able to make payments, but Rocket Mortgage has : Refused to accept my payments unless I paid a double payment Denied all loss-mitigation options due to the loan being new Retroactively reported four months of late payments all at once Severely damaged my credit score by over XXXX points Failed to respond to my Executive-Level Review request I am requesting the following : 1. Immediate removal of the inaccurately reported late payments 2. Correction of all credit reporting to reflect the approved deferment/hardship 3. A written reinstatement or repayment plan so I can resume normal payments 4. A response from Rocket Mortgages XXXX  Resolution or XXXX  Department This inaccurate reporting has caused significant financial harm, and Rocket Mortgage has not provided a resolution despite multiple attempts and escalating the issue to their XXXX support channels. 

I am asking the CFPB to intervene to ensure Rocket Mortgage corrects the inaccurate credit reporting and provides appropriate hardship resolution options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RS Clark and Associates, Inc.
State: NC

Complaint narrative:
I read your response and none of it answers the point of my complaint. You listed the original creditor and repeated information about equipment and dates, but you completely ignored what I asked for. I never asked you to repeat billing details. I asked for evidence that I personally approved the release of my information to R S Clark. You still have not shown anything that proves I agreed to let your company collect, store, or use my personal details. There is no signed document from me. There is no authorization form. There is nothing linking me to your company in any valid way. You can not rely on someone elses records to justify why my information is in your possession. Without my consent this should not be on my credit at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: PA

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was going through my credit file and noticed hard inquries that do not belong 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies and inconsistencies on my credit reports as maintained by Experian, TransUnion, and Equifax, under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 611, 605 ( a ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ), as well as the Fair Debt Collection Practices Act ( FDCPA ) 807, 808, and 809. My personal identifying information and addresses are incorrectly reported across all three bureaus, including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and XXXX XXXX XXXX, XXXX XXXX, CA XXXX in Experian and XXXX XXXX XXXX, XXXX, GA XXXX in Equifax, creating a risk of misidentification and misreporting. Numerous accounts show conflicting balances, Dates of Last Activity, and Dates of First Delinquency, including XXXX XXXX, XXXX XXXX, and XXXX XXXX, while high-balance accounts such as XXXX XXXX XXXX ( {$13000.00} ) and XXXX XXXX XXXX ( {$13000.00} ) demonstrate inconsistent reporting across all bureaus, potentially affecting IRS reporting obligations. Collection accounts, including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, reflect conflicting balances and last activity dates, constituting unfair, misleading, and inaccurate reporting under both FCRA and FDCPA. Additionally, numerous hard inquiries, including those from XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, and XXXX, remain on my reports without verified permissible purpose or are outdated, violating 604 ( a ), 605 ( a ), 609 ( a ) ( 1 ), and 611.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies and inconsistencies on my credit reports as maintained by Experian, TransUnion, and Equifax, under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 611, 605 ( a ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ), as well as the Fair Debt Collection Practices Act ( FDCPA ) 807, 808, and 809. My personal identifying information and addresses are incorrectly reported across all three bureaus, including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and XXXX XXXX XXXX, XXXX XXXX, CA XXXX in Experian and XXXX XXXX XXXX, XXXX, GA XXXX in Equifax, creating a risk of misidentification and misreporting. Numerous accounts show conflicting balances, Dates of Last Activity, and Dates of First Delinquency, including XXXX XXXX, XXXX XXXX, and XXXX XXXX, while high-balance accounts such as XXXX XXXX XXXX ( {$13000.00} ) and XXXX XXXX XXXX ( {$13000.00} ) demonstrate inconsistent reporting across all bureaus, potentially affecting IRS reporting obligations. Collection accounts, including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, reflect conflicting balances and last activity dates, constituting unfair, misleading, and inaccurate reporting under both FCRA and FDCPA. Additionally, numerous hard inquiries, including those from XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, and XXXX, remain on my reports without verified permissible purpose or are outdated, violating 604 ( a ), 605 ( a ), 609 ( a ) ( 1 ), and 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I deposited XXXX $ to a Wells Fargo ATM. After inserting my card, accessing my account info, and depositing XXXX $ in cash to the machine an error message was displayed stating that the transaction could not be completed. The machine returned my card with no receipt and the money was not posted to my account. I called Wells Fargo to create a claim and was told that there was nothing they could do for me. I needed the money to pay bills tomorrow and was told that it will take XXXX  days to investigate the claim and XXXX days after that to deposit the funds into my account. I walked up to the ATM with XXXX $ in cash and now they say it will take up to XXXX  days with no guarantee that I will have my XXXX $ returned to me. The bank and the ATM owned by the bank stole XXXX $ from me and now bills will go unpaid, phone service and electricity will be turned off, and they tell me sorry you are out of luck. Then the claims XXXX from Wells Fargo hung up on me and because it is after business hours I am unable to call them back until tomorrow morning when they open. That is when the bills are due. All conversations including ATM location and time of deposit were recorded by Wells Fargo and added to the claim.

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 monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE.

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX I downloaded a Cash App on my XXXX ( XXXX ) XXXX, and sent {$300.00} to my cousin XXXX using my debit card from XXXXXXXX XXXX  XXXX 
XXXX I learn from my bank that the {$300.00} was withdrawn and sent to Cash App. 
XXXX My cousin XXXX XXXX Cash App account is $ XXXX. She did not receive the money. 
XXXX The money was apparently sent to another XXXX XXXX I believe it was XXXX XXXX XXXX as that is what appeared on my XXXX. 
XXXX I've called Cash App XXXX  to learn how to correct this transaction -- XXXX. The XXXX  person I spoked with was named XXXX. It was very hard to understand him, and I asked to speak to someone else. He hung up on me. Look at your survey. 
XXXX The second call was answered by a XXXX XXXX who was helpful but told me that I must have had a Cash App account in order to send the {$300.00}. I told her that I do not have a Cash App account, that all I have is a XXXX XXXX on my XXXX with a dollar sign. I asked her then to tell me what my Cash App account was, and she also hung up on me. See the survey. 
XXXX I want my {$300.00} that Cash App took from XXXX XXXX  either to be retuned to me or sent to my cousin. 
XXXX I am prepared to file suit against Cash App even for this small amount, just on the principles that Cash App is mishandling customers, has taken my money and will not tell me what it did with it, and the chance that this incident may be customary with you and lead to a class action suit. 
XXXX Please answer this email with more than some boilerplate, and tell me t

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
I am formally disputing the collection account reported from XXXX because it is not accurate and was the result of XXXX incorrectly merging my account with another individuals account who is not related to me in any way. I am not responsible for any charges associated with the other persons account. 

This is an identity/account misassociation error and a violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate and attributable to the correct consumer. 

Previously, when I disputed this error, the account was simply marked as paid/zeroed out, even though I never owed this balance. This is not an acceptable resolution because it still inaccurately implies that I was responsible for the debt. 

I have no financial responsibility for this debt, and further reporting of this account violates FCRA 602, 607, and 611 regarding the duty to maintain accurate and verifiable information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: TX

Complaint narrative:
credco XX/XX/year> credco XX/XX/year> XXXX XXXX XXXXXX/XX/year> credco XX/XX/year> credco XX/XX/year> 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief