vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: CA

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

1681c-2 ) that you, the Experian credit 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00}

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 2025-06-12 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: TN

Complaint narrative:
I am writing to formally request the removal of certain derogatory items from my TransUnion credit report as they are believed to be the result of identity misuse connected to my status as a victim of XXXX XXXX 
Under the National Defense Authorization Act ( NDAA ) of XXXX, and specifically the Fair Credit Reporting Act ( FCRA ) 1681c-3, survivors of XXXX  have the right to block adverse items of information that resulted from XXXX-related activity. 
Please consider this my official request to remove the following accounts that may have been opened or affected during the time of my exploitation : Account Name : XXXX  Account Number : XXXX Open Date : XX/XX/XXXXXXXX  Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXXXXXX  Balance : {$290.00} These accounts are either fraudulent or were affected in ways beyond my control due to coercion or manipulation, and they continue to inflict harm on my ability to rebuild my life. 
Reporting such information is inconsistent with the protections afforded under federal law.

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 2025-06-12 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: CA

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: LA

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-12 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: Mercedes Benz Financial Services
State: OH

Complaint narrative:
I previously had an auto loan with Mercedes Benz Financial Services which was paid in full on XX/XX/XXXX. At that time the account was closed, and I received the title to the vehicle from MBFS shortly after. Ever since the account was paid off, this company has been a complete disaster with inaccurate credit reporting for XXXX YEARS now. As I stated, my loan was paid off in full on XX/XX/XXXX which is reflected on my credit report. That information is accurate. What I have been disputing for the last XXXX  months is the historical account information starting with the month of XX/XX/XXXX ( when the account was paid off and closed ), and running through XXXX of XXXX. This lender has been inaccurately reporting MULTIPLE months of derogatory payment history for XXXX  months after my loan was paid off. Despite countless disputes having been filed with the credit bureaus including attaching records showing the account was paid in full and closed on XX/XX/XXXX MBFS along with XXXX  have continued to verify the account information as accurate and refuse to correct their error which has continued to damage my credit score and rating for the last XXXX  years. Specifically, the late payments being reported are : XXXX XXXX XXXX days late ( paid off and closed XXXX ) XXXX XXXX XXXX days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days late At this time I am DEMANDING the IMMEDIATE REMOVAL of this inaccurate and damaging information. Attached is a copy of my most recent dispute that was completed within the last XXXX  days that clearly states that MBFS has verified the information as accurate. Nobody can seem to explain how an account that was paid off in full can possibly report multiple months of derogatory payment information after the account was closed. This is my final warning to have this corrected before I take both MBFS and XXXX  to court to recover any and all damages Im entitled to for deliberately ruining my credit for the last XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Out of our 17 year credit history there has never been a reported late payment. Our 8 year mortgage history has never been past due or in forbearance, and we have worked very hard to maintain that record. 

Nationstar Mortgage LLC XXXX Lakeview subserviced by " Mr. Cooper '' took over our mortgage in the very last few months of this loan and out of the 5 companies who managed our mortgage account the only one we ever had problems with was Mr. Cooper. From trouble setting up and creating first time log in and account user access, to making payments online and the delay in processing payments once they went through. The overall communication from this company is very poor, and it shows as reviews on " Mr. Cooper '' have many reports of similar complaints from other clients. 


Our home sold XXXX, XXXX 2025. The account is now closed and paid in full. Mr. Cooper states we missed our XXXX payment and reported to all credit bureaus as 30 days past due / in forbearance. We summited proof of XXXX payment through an email chain we started with them on XXXX, XXXX 2025. They refuse to make any corrections. 

We have tried discussing this matter over the phone but since our account is closed they refuse to speak with us. We have also filed multiple disputes with the credit bureaus but no resolution has come from that either. In the emails we provided proof of payments both from our bank and their own website, clearly showing all payments made and confirmed. They refuse to make any corrections on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was in XXXX XXXX. XX/XX/year>, I received alert emails from XXXX XXXX and Bank of America that my online ID had been changed. I went online to my account with each bank to find I had been hacked and online identity in bank accounts had been changed to address and phone number in XXXXXXXX XXXX area. I alerted banks via a XXXX link with my adult children because of problem using XXXX phone from XXXX. Banks froze accounts, with some difficulty with XXXX XXXX, until I returned to XXXX and could get into a branch on XX/XX/XXXX. While this was happening, the fraudster withdrew {$2000.00} from a checking account with XXXX XXXX by using a withdrawal slip at a XXXX XXXX branch in XXXX area and with a Bank of America branch in XXXX area set-up an account in my name and had a debit card issued and mailed to an address in XXXX. I think there might have been withdrawals on the account the fraudster set-up with Bank of America . 
The Bank of America has asked for a police report. This is meant to be that report. 
I was referred to this site after trying to report on XXXX Police website.

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 2025-06-12 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:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised.

Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1300.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3800.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$5100.00} Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXXXXXX  Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-12 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: MA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-12 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: MS

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

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$2900.00}

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 2025-06-12 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:
TO : CFPB TEAM : I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX and XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX Accounts to Be Removed : 1. ACCOUNT DETAILS : Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX 2. ACCOUNT DETAILS : Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  3. ACCOUNT DETAILS : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4.  ACCOUNT DETAILS : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 5. ACCOUNT DETAILS : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  6. ACCOUNT DETAILS : Account Name : XXXX XXXX XXXX Account Number : XXXX Fraudulent Inquiry to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As required by law, this fraudulent information should be blocked for at least XXXX year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data. 
I have contacted the Experian, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than XXXX XXXX  have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I started using Credit Karma in XXXX in hopes that as their advertisements claim could help me raise my credit score by reporting rental payments. I still havent found any assistance on their site/app on how to do that. The only thing that they have done is constantly blast my email and push notifications for card and loan offers that may help my credit score and if Im denied theyll pay {$50.00}. 
Opening new accounts does not generally help your credit score, at least not immediately Hard inquiries can very much affect your score If you already have a high credit usage and high debt to income ratio another credit card is not what is needed. The personal loans offers are even worse. If I cant afford my monthly minimums adding another huge payment to that isnt going to help much unless it pays down most/all of the the other debts. Again hard inquiries negative impact. 
And now credit karma has its in house credit building accounts through XXXX? Its the slowest transfer rate Ive ever seen, high fees for cash deposits, and the whole XXXX  I feel is built to be confusing and keep you in a click circle. They are trying to build their company networth out of scamming poor people out of XXXX XXXXXXXX every week and getting paid by every XXXX predatory loan and credit line internet banking company out there. Its absolutely disgraceful that turbo tax is also in this mix.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: SC

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 explanation
Consumer complaint received 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they shoul be removed after I supply proof of who l am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : INQUIRIES : XXXX  Date : XXXX XXXX  Date : 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