vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint to formally dispute several unauthorized hard inquiries on my credit report that are the result of identity theft. I hereby request that these fraudulent inquiries be blocked or removed from my file as mandated by 15 U.S.C. 1681c-2. For your reference and as supporting evidence, I have included my official FTC Identity Theft Report ( Report Number : XXXX ). 
Under 15 U.S.C. 1681c-2, credit reporting agencies are obligated to block any information identified by a consumer in an identity theft report within four ( 4 ) business days of receiving the report.

The following hard inquiries on my credit file are fraudulent and must be blocked. I did not authorize these credit checks, and they are directly linked to the identity theft I reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Pursuant to 15 U.S.C. 1681c-2, I formally request the immediate and permanent blocking of these inquiries. This block should remain in effect for the statutory period, during which no information related to these fraudulent credit pulls may be reported.

I have previously contacted the credit bureau reporting these inquiries on multiple occasions to seek resolution. Despite my efforts and the submission of my FTC report, the issue persists without a final and effective resolution. The continued presence of these unauthorized inquiries is causing me significant harm by inaccurately lowering my credit score and impeding my ability to secure credit for essential needs.

I trust that the CFPB will facilitate a fair and timely resolution. I request your assistance in ensuring the credit bureau complies with federal law and permanently removes these fraudulent inquiries from my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
While goi g through the process of loan .odification of coming out of XXXX we paid the trials period Somehow the paperwork they sent vack We had to start all over They did not accept the payments and reported late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Eventually we got approved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I am disputing inaccurate and unverifiable information reported by XXXX and Experian regarding a XXXX XXXX account listed as a charge-off. The date opened, amount, and account status are all incorrect or unverifiable. I previously disputed this under FCRA 607 ( b ) and 611 ( a ), and no original signed documentation or legal proof of debt has been provided.

This qualifies for immediate removal under FCRA 611 ( a ) ( 5 ) ( A ). I also invoke 611 ( a ) ( 5 ) ( B ) to prevent unlawful reinsertion. 

XXXX XXXX has a history of inaccurate data reporting ( see OCC Consent Order 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 2025-12-04 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 am writing to dispute certain inaccuracies on my credit report. Below are the accounts I am disputing with the corresponding details. I believe these items are either incorrect or should be updated based on my credit history. Please investigate these disputes thoroughly and resolve them as per the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXXXXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$65.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$85.00} XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$53.00} XXXX XXXX XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXXXXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX, Account Number : 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 2025-12-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: TN

Complaint narrative:
while attending XXXX XXXXXXXXXXXX XXXX, I took out a tuition answer loan for {$16000.00}. In reviewing my records It cam to my attention that I have paid back over XXXX for this loan, and over XXXX in interest, and still owe {$10000.00}. I feel this is clearly predatory lending and I should be cleared of this obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-12-04 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: MS

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: IN

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 explanation
Consumer complaint received 2025-12-04 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXXDOFED Account number : XXXX Account name : XXXXDOFED Account number : XXXX Account name : XXXXDOFED Account number : XXXX Account name : XXXXDOFED Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXDOFED Account number : XXXX Account name : XXXXDOFED Account number : XXXX Account name : XXXXDOFED Account number : XXXX Account name : XXXXDOFED Account number : XXXX Account name : XXXXDOFED 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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXXDOFED Account number : XXXX Account name : XXXXDOFED Account number : XXXX Account name : XXXXDOFED Account number : XXXX Account name : XXXXDOFED Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXDOFED Account number : XXXX Account name : XXXXDOFED Account number : XXXX Account name : XXXXDOFED Account number : XXXX Account name : XXXXDOFED Account number : XXXX Account name : XXXXDOFED 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 2025-12-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
here 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 explanation
Consumer complaint received 2025-12-04 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 disputing the following charged-off accounts on my Experian credit report : XXXX XXXX - Account No. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$6200.00} XXXX - Account XXXX. XXXX, Date Opened : XX/XX/XXXX, XXXX : {$9900.00} Inquiries : No inquiries are being disputed on my Experian credit report. 

Late Payments : I am disputing the following late payments on my Experian credit report : XXXX XXXX - Account No. XXXX XXXX XXXX - Account 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 2025-12-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-12-04 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: CA

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Colony Brands, Inc.
State: MS

Complaint narrative:
. MONTGOMERYWD ( Montgomery Ward ) Revolving / Charge Account These accounts show 30-day late notations in your payment history grid that are inaccurate, inconsistent across bureaus, and contradicted by my own records. I am providing screenshots of : XXXX reports showing inconsistent reporting Consumer disagrees dispute comments XXXX Breach eligibility confirmation Under FCRA 1681e ( b ), you must report only maximally accurate information. Under FCRA 1681i, you must conduct a reasonable reinvestigation and delete any information that can not be verified with complete accuracy. Requested Action : 1. Remove all derogatory late payment codes ( 30 ) from both accounts. 2. Update the full two-year history to reflect OK/ Pays As Agreed / Never Late. 3. Provide an updated consumer report upon completion. If verification can not be fully substantiated, the late marks must be deleted. Certification : I certify that these late marks are inaccurate and must be corrected under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Original mortgage loan servicer XXXX XXXX, sold my loan off. I never received a letter or an email. SUPPOSEDLY they sent one in XXXX. 
On XX/XX/year> my payment was removed from my account only to be refunded days later. 

Then I received an email after that stating that the money was refunded because they sold my loan, still never told me to what company. 

I had to call in order to get more information. They advised me that Rushmore Servicing was the new loan servicer. I called them with the number provided and gave my social security, they have no record of me. I tried multiple times, each time to no avail. I got with the RMLO who helped me close on the house, she contacted the servicing department and they sent her a letter that was SUPPOSEDLY sent in XXXX with information about the transfer such as company name, new loan number, etc. 

I reach back out to the new servicer using the NEW information THAT WAS PROVIDED to me and still no help or record of me or my loan in the system. 

I called countless times, sent multiple emails, got on a live chat ( where I was also told they could NOT find any information ) and my RMLO is also drawn a blank. 

Experian is now reporting the Month of XXXX and XXXX as unpaid due to this issue OUT OF MY CONTROL. 

I made the XXXX payment and THEY GAVE IT BACK bc they claimed it was an error and they were no longer my servicers. Now, no one anywhere has an idea who services my loan or where it even is in the system. 

I am a first time homebuyer, I am responsible, caring, and timely with my personal business. It is unfair and a complete let down of the system to penalize citizens who are trying to stimulate the economy and participate in real estate and free enterprise. 

The last thing I need is my credit taking a hit and I REFUSE TO PAY ANY LATE FEES OR INTEREST ACCRUAL due to XXXXXXXX XXXX OR RUSHMORE SERVICING 's negligence and deceptive practices. 

I dispute any negative credit reporting affiliated with this matter until it is completely resolved and under RESPA law am entitled REAL answers from these people in a timely manner.

PLEASE PLEASE PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX - XXXX, XXXX XXXX - XXXX, In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution.

I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family.

Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response.

I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

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 2025-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WV

Complaint narrative:
An Unauthorized Transfer of funds took place from my account on XX/XX/year>. I contacted Chime to dispute this transfer, which took place without my consent and without the use of my regular device. I was not even notified that this transfer had taken place. 

The dispute was denied almost instantly, and the subsequent disputes were also denied in either less than 24 hours or just past 24 hours, with no legitimate reason as to why it was denied. 

There were no security checks to make sure that the transfer was made by myself, the account holder. Nor did it require my identification nor account pin to process. There was also evidence that someone had accessed my account from a different state and different device, even with a passkey lock present on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 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: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

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 2025-12-04 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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