vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/year>, sent certified letter requesting updates due to numerous items I could not complete via online / phone because I'm not a paid member, ( never received a response or receipt ). Sent a cover letter, including incorrect items needing attention, but was met with obstinance, threats to close case within 21 days, demand for the request to be resent ; cover letter, name, id, utility bills for verification, ssn, XXXX additional info, and email address. This is redundant, due to possible mishap ; shredding, loss, etc. I received " loaded Experian '' emails with demands, yesterday, XX/XX/year>. Almost deleted them due to questionable spelling of my name/ and other mistakes throughout, not certain if it was intentional, ( probably ). Any other email received such as these would be considered " malware or phishing ''. Notably, I have received verification emails, XXXX. and other documents regarding a recent " identity theft '' request for extended fraud alert with no problem. When I initially attempted to contact Experian, the process was administratively arduous at best, via phone, online, text, so I filed a complaint for Experian 's refusal to respond to customer urgency even though I'm an unpaid member. I'm certain Experian receives " kick backs '' for solicitiously utilizing my PII for unknown, unsolicited company offers, without my knowledge. So, Experians ' refusal to cooperate after I sent via priority the information listed on the website for " disputes, '' is in violation of FCRA, particularly after receiving a barrage of " bent '' emails yesterday. This type of behavior is indicative of a " scam '' company run amuk, whose overwhelmed with the customer volume. Experian is the only credit report agency who is in noncompliance, & targets customers with malicious, insidious, intent as retaliation. Their consumer interaction or lack thereof, is way above discreditable and warrants oversight from government intervention, ie., DOGE, even though international shareholders are possibly involved.

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 2025-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
b"Rushmore has been taking funds from my escrow account to pay for insurance on my house. I pay my insurance separately and have been since XXXX XXXX and therefore do not need their insurance. I informed Rushmore of this on XXXX XXXX XXXX  to XXXX  at XXXX XXXX XXXX  She stated she would make the correction and get the overcharges corrected. I also went to the Rushmore website rushmore@mycoverageinfo.com and submitted the correction information about my paying separately for insurance on my house. The website indicated it had the correction. My XXXX mortgage payment still shows Rushmore charging me in my mortgage payment for insurance Rushmore is paying for my house that should have cancelled. This should have been corrected with adjustments going back to XXXX XXXX. I have always paid homeowners insurance myself. The website statements show the Rushmore XXXX Insurance payments from XXXX XXXX XXXX which are in error. Additionally, Rushmore began charging me XXXX  for late charges since XXXX XXXX  even though my payments have not been late. Rushmore increased my mortgage payment based on the XXXX XXXXXXXX XXXX county audit showing a tax increase because of an increased valuation of my property. The revised audit of my property lowers the tax rate based on the adjusted reduced value of my property, yet Rushmore has NOT made the adjustment to reduce my mortgage payment. These errors and oversights have added XXXX to my current mortgage payment which is an extreme hardship for me to pay! Even the Escrow explanation letter doesn't say why the account is short; I had to speak to a representative to get that explanation."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-13 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: CA

Complaint narrative:
I never gave this company permission to open or report any accounts in my name. I have no relationship with them, I didnt authorize anything, and Ive never conducted any business with them. These accounts were added without my knowledge or consent, and thats a serious problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-05-13 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: AL

Complaint narrative:
I am filing this complaint because my credit report shows a collection account that I have no knowledge of or connection to. This account has been mistakenly linked to my profile, and my attempts to address the issue through the credit bureau have not led to a satisfactory outcome. Despite submitting documentation to request verification and removal, the credit bureau continues to report the account as legitimate without providing sufficient evidence. This has negatively impacted my credit score and financial stability, and the lack of corrective action is both unfair and deeply frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: VA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
This account is completely unfamiliar to me. I have no knowledge of it, no association with it, and Ive never authorized it in any way. It does not belong on my report, and I have serious concerns about how it ended up there in the first place.

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 2025-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: NJ

Complaint narrative:
I requested a loan in the amount of {$1200.00}. They asked for my banking information and was funded the loan. They failed to mention the interest rate would be 500 % +. When I checked my account I noticed my balance skyrocketed from the original amount requested of {$1200.00} to over {$6700.00}. I immediately contacted them they gave me a bit of running around. I aked for the weekly auto payment be canceled immediately as we go through the review process of my account. I requested a supervisor to discuss a good faith estimate. They stated I could not have a settlement offer because my account was not in collections. I stated I believe the terms were predatory and I am happy to come up with a fair amount to settle the loan and reasonable interest but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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 doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Complaint CFPB Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company.

Under the FCRA 605b, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : XXXXXXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00} I appreciate your time spending on my case and look forward to hearing from you soon.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am submitting this complaint to address the continued reporting of multiple late payments on my credit report tied to an account that is currently open and in good standing. While the late payments occurred in the past, they are now outdated and no longer reflect my current payment behavior or financial situation. These entries continue to negatively affect my credit profile, despite a clear and consistent pattern of responsible account management since that time. 

The reporting of these delinquencies fails to meet multiple standards required under the Fair Credit Reporting Act ( FCRA ) : FCRA 1681s-2 ( a ) requires furnishers of credit information to report data that is not only accurate, but also complete and not misleading. In this case, the ongoing presence of aged delinquencieswithout acknowledgment of more than a year of positive payment historycreates an unbalanced and harmful portrayal of my credit behavior. 
FCRA 1681e ( b ) mandates that consumer reporting agencies ( CRAs ) and furnishers take reasonable steps to ensure the maximum possible accuracy of the data they provide. Data that paints an outdated or incomplete picture of an accounts current status does not meet this legal requirement.

FCRA 1681i provides me, the consumer, the right to dispute any information I believe to be incomplete or misleading in context, not just outright factually incorrect. In this case, I am exercising my right to challenge how the historical delinquencies are presented in light of my accounts current positive standing. 

Additionally, I believe the creditors continued refusal to update or remove these entriesdespite long-term responsible account activityconstitutes an overly punitive and potentially unfair credit reporting practice, inconsistent with both the intent of the FCRA and the Consumer Financial Protection Act ( 12 U.S.C. 5531 ), which prohibits practices that are unfair, deceptive, or abusive in consumer financial services. 

I have made good-faith efforts to correct this issue directly with the creditor, but those attempts have been unsuccessful. The refusal to reevaluate the status of these late payments ignores both legal obligations and responsible consumer behavior.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Before anything else, Im asking that you fully certify that every single piece of data tied to this account actually belongs to me not just the name, but the address, the activity, the payment history, everything. I want confirmation that this information is accurate and that it's being rightfully reported under my name.

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 2025-05-13 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: CA

Complaint narrative:
Monday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX | XXXX : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX I was just looking over my credit report and found some inaccuracies that I am demanding you correct. 
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuraces for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report. 
Here are the inaccuracies I have identified : Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect balance or past due amount Instruction : The account balance of {$350.00} is wrong, and so is the past due amount of {$350.00}. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines. 
Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect balance or past due amount Instruction : The account balance of {$220.00} is wrong, and so is the past due amount of {$120.00}. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines. 
Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : Incorrect balance or past due amount Instruction : The account balance of {$1000.00} is wrong, and so is the past due amount of {$1000.00}. Please correct these inaccuracies or remove the account per FCRA accuracy guidelines. 
Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: WA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3800.00} XXXX - XX/XX/XXXX - {$13000.00} XXXX - XX/XX/XXXX - {$18000.00} XXXX XXXX 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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I have repeatedly informed Experian of inaccuracies in my credit report, yet they continue to report incorrect information. Despite my efforts, they have not made the necessary corrections, which is both unfair and a violation of my rights under consumer protection laws. ''

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 2025-05-13 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief