vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. My credit report contains a fraudulent account that I did not authorize, open, or initiate. This item appeared without my knowledge and is the result of my personal information being compromised. 
I have already submitted disputes to the credit bureaus and provided supporting documentation, including a government-issued ID, Social Security card, proof of address, and an FTC Identity Theft Report. Despite this, the following unauthorized accounts remain on my credit reports : XXXX XXXX XXXX XXXX The credit bureaus have failed to delete these items or provide proper verification, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) : 1681i Failure to properly reinvestigate disputed information 1681c-2 ( FCRA 605B ) Failure to block identity theft-related information 1681e ( b ) Failure to ensure maximum po

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 2025-12-29 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: MD

Complaint narrative:
I am writing to formally dispute the following items reported on my credit report with the three major credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion ( TU ). The following accounts are inaccurate and should be corrected or removed in compliance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed accounts for each 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
I was a victim of fraud. Unknown individuals registered using my email address and created accounts in my name, carrying out transactions that were not authorized by me on websites I do not recognize. 

I contacted my bank to report the situation and filed the corresponding claim. As a security measure, my cards were canceled. However, there are still attempts to make additional unauthorized transactions. The transactions are from, XX/XX/XXXX to XX/XX/XXXX of 2026 I respectfully request that the necessary actions be taken to investigate and prevent any further fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AL

Complaint narrative:
My VA XXXX discharge reversal was approved and sent twice. MOHELA has failed to process it for over XXXX months, causing ongoing harm.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
These inquiries are unfamiliar to me and do not appear to have been initiated with my consent. I request a prompt investigation and resolution. Relevant documents are attached.

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 2025-12-29 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:
The bureau has demonstrated a sustained pattern of wilful noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 1681n, by continuing to report information that is inaccurate and unverifiable despite multiple, properly submitted disputes over an extended period. This conduct indicates not mere negligence but a conscious disregard of statutory obligations and consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
Im reporting a hard inquiry on my credit reports I did not authorize, recognize or apply for this inquiry appear under the following company Light stream XX/XX/year> I did not give permission, submit an application or provide or provide consent written or verbal for this company to access my consumer credit file for a hard inquiry

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 2025-12-29 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:
I am formally notifying you of a potential security breach affecting my personal and financial information. It appears that my sensitive data may have been accessed or used without my permission. 

Under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws, I have the right to ensure my information is accurate and secure. Therefore, I request that you immediately : Investigate any unauthorized access or activity connected to my information Correct or remove any inaccuracies on my credit report arising from this incident Provide written confirmation of the investigation results and any corrective actions taken Please treat this matter with urgency. Failure to act may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities. I expect confirmation of receipt and a prompt response regarding your findings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
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 XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-29 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: NC

Complaint narrative:
I am filing this complaint regarding the inaccuracies and disputes involving several items on my credit report. Below are the details of the accounts in dispute, separated by each credit bureau : Inquiries : XXXX, Date : XX/XX/year> Late Payment : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I am the surviving borrower on a mortgage serviced by Mr. Cooper. My husband, a co-borrower, is deceased. I requested removal of the deceased borrower from the loan. Mr. Cooper has demanded that I complete full underwriting and pay approximately {$3200.00} in fees to do so. 

I repeatedly requested the specific investor or federal guideline that requires full underwriting and fees solely to remove a deceased borrower when the surviving borrower is already on title and has made all payments. 

Mr. Cooper did not provide any guideline supporting this requirement. Instead, they cited a generic investor document that is unrelated to the removal of a deceased borrower and does not mandate underwriting or fees in this situation. 

When I pointed out that the cited document was unrelated and again requested the correct guideline, Mr. Cooper stated that they would no longer communicate with me because they had already explained their position, despite never providing the requested documentation. 

Mr. Cooper is now refusing to engage further while continuing to impose a requirement they have not substantiated. This constitutes stonewalling and misrepresentation of investor requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
As a victim of identity theft resulting from the data breach, I am requesting immediate action to rectify the damage to my credit report.

Specifically, I demand the removal of fraudulent accounts that have been opened in my name. Under FCRA 605B, I request that these accounts be blocked until the FTC investigation is complete, to prevent further harm. I am asserting my rights under FCRA 615, 617, 610, and 611, as well as FDCPA 809, to ensure that inaccurate information is corrected and removed, unfair collection practices are ceased, and my credit report is frozen until the investigation is complete. I respectfully request the FTC 's assistance in this matter and have attached supporting documentation to facilitate a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
This complaint concerns incorrect mortgage credit reporting by Selene XXXX  on a new mortgage account. I believed that automatic payments were properly established when the account became active. Due to a new account autopay setup error, a payment did not process as expected and was reported late. 
Once I became aware of the issue, I immediately brought the account current and confirmed that automatic payments are now active and functioning properly. There has been no ongoing delinquency or financial hardship. Selene XXXX  acknowledged this was a one-time issue and waived the late fee as a courtesy, confirming there is no balance due. 
However, despite acknowledging the error and waiving the fee, Selene XXXX  has continued to report the late payment to XXXX, XXXX, and XXXX. This reporting does not accurately reflect the circumstances of the payment issue and unfairly penalizes me for a one-time administrative setup error on a new account. 
The continued reporting has caused documented financial harm, including the denial and delay of a Small Business Administration ( SBA ) loan that was scheduled to close. I am requesting a goodwill correction to the credit bureau reporting to remove the late payment and update my credit reports to accurately reflect the account as current and in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: TX

Complaint narrative:
Charged-Off Accounts : No charged-off accounts are listed for TransUnion.

Inquiries : I am disputing the following inquiries on my TransUnion credit report : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> Positive Accounts : Please verify the following accounts as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request an investigation and correction of any errors.

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 2025-12-29 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: IL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-12-29 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: IL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
On XX/XX/year>, I reviewed my consumer credit reports and identified multiple accounts reporting negative information, including charge-offs and collection accounts, with balances ranging from approximately {$110.00} to {$2200.00}. Several of these accounts showed incomplete payment histories, inconsistent reporting, or were marked as disputed but remained reported without verification. 

On XX/XX/year>, I submitted written disputes and requests for verification to the credit reporting agencies, requesting investigation and documentation supporting the accuracy of the disputed accounts, as permitted under the Fair Credit Reporting Act ( FCRA ). The disputes requested verification of the reported balances, payment history, and authority to report the accounts. 

After submitting the disputes, the negative accounts continued to be reported without correction or deletion. Some accounts continued to show outstanding balances and charge-off or collection status despite being disputed, and no documentation supporting the accuracy of the information was provided. 

I am filing this complaint because the disputed information continues to appear on my credit report, causing ongoing harm, and I have not received sufficient verification or correction of the disputed accounts as required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NC

Complaint narrative:
I am writing to dispute the following inaccuracies in my credit report. I have identified several accounts that are incorrect and require immediate attention. Below are the details of the accounts I am disputing, separated by bureau. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} INQUIRIES 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 2025-12-29 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: ID

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX  XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
XXXX charged my debit card in XXXX and XXXX. In XXXX they fraudulently charged my card for {$130.00}. The charges were {$92.00} {$16.00} {$32.00} The XXXX charges were {$16.00} {$32.00} I contacted XXXX because I don't have after pay. XXXX didn't have my information so I had to give them my card number. They were charging XXXX XXXX at XXXX XXXX XXXX XXXX IL XXXX. Chime approved the dispute in XXXX on XX/XX/XXXX and put my funds back in my account. They denied the XXXX transaction and said it was me. Per Chime it was a follow up payment for XXXX XXXX. I called Chime and was told it doesn't matter if it's fraud I'm still responsible. Dispute number XXXX Dispute Claim number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-29 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXX $ you -- credit reporting agency, 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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