vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CMG Financial Services, Inc.
State: WI

Complaint narrative:
My mortgage loan was transferred from CMG Financial ( XXXX XXXX ) to XXXX  ( XXXX XXXX XXXXXXXX ), and there are multiple issues with the accuracy of the account and transfer : Incorrect Loan Balance and Missing Funds : After all additional payments my loan balance was originally {$280000.00}. 

For some unexplained reason, {$5300.00} was moved into suspense ( unapplied funds ) by CMG. 

After this adjustment, the loan balance increased to {$290000.00} ( {$5300.00} stayed in suspense balance ). 

When the loan was transferred to XXXX, the balance remained at {$290000.00}, but the suspense balance was not transferred, nor was my escrow balance. 

Missing Escrow : My escrow funds were also not transferred to XXXX during the servicing transfer, and no explanation has been provided. 

Incorrect Due Date : I had been making additional payments, and my due date should have been XX/XX/XXXX. 

However, CMG incorrectly reported the due date as XX/XX/XXXX, which may affect my account status and credit reporting. 

I have not received a refund for the suspense funds or escrow, and the new servicer ( XXXX  ) has no record of them. I am requesting assistance in having the correct loan balance restored, and the missing suspense and escrow funds properly accounted for and transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridge IT, Inc.
State: CA

Complaint narrative:
I am responding to Brigits message regarding CFPB Complaint # XXXX. While I understand Brigits claim that they must report accurate payment history, my dispute is not that they reported a missed payment, but that they did so without proper documentation, notification, or consumer opportunity to resolve the returned payments. 

Brigit has not provided evidence of actual communication attempts ( i.e., timestamps of emails, texts, or app logs ) showing I was warned or made aware of payment issues before the account became 30+ days past due.

Additionally, Brigit claims my account was closed and paid, yet continues to report the derogatory history, which may violate XXXX XXXX guidance for closed installment accounts. 

I am requesting the CFPB reopen the complaint for reinvestigation under FCRA 611, as Brigits reply does not adequately address the reporting errors or their failure to validate the process and communication leading up to those lates. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX/XXXX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/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 2025-08-02 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: MI

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
To Whom It May Concern : I am disputing the following inaccurate information on my credit report in violation of 15 USC 1681 and 1666B : Creditor Name : XXXX XXXX XXXX XXXX Disputed Items : Late Payments Legal Basis for Dispute : 1. 15 USC 1681 ( FCRA ) Section 602 - Violation of my right to privacy 2. 15 USC 1681 Section 604 ( a ) ( 2 ) - Illegal furnishing of account information without my written consent 3. 15 USC 1666B - Prohibits treating payments as late when received by due date Required Actions : 1. Immediately remove all disputed late payments 2. Provide written verification of correction 3. Delete the account if XXXX XXXX can not validate within 30 days Under 15 USC 1681i, you must investigate within 30 days. Failure to correct inaccuracies may result in legal action under 15 USC 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: ID Analytics, Inc.
State: UT

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: PR

Complaint narrative:
I noticed several inaccurate and damaging items being reported on my credit file that do not reflect my actual credit history. Some of the accounts are being reported as derogatory even though they show a zero balance or have long been closed, such as accounts from XXXX, XXXX, and KLARNA. Others, like XXXX XXXX XXXX and XXXX XXXX XXXX, are either duplicated or lack proper validation from the original creditor, and in some cases appear to be re-aged or inflated, which is a violation of the Fair Credit Reporting Act. I also found an unauthorized hard inquiry from XXXX dated XX/XX/year>, which I did not approve or initiate. Additionally, there are multiple variations of my name and addresses being reported that are incorrect and do not belong to me, increasing the likelihood of file mixing or identity confusion. These inaccuracies are negatively impacting my credit profile and were never addressed in my initial dispute. I am now formally requesting a thorough reinvestigation of each item and demand the immediate correction or deletion of any entry that can not be fully verified with accurate and complete documentation.

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 2025-08-02 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 am disputing a XXXX XXXX credit card account number XXXX that was opened fraudulently in my name while I was incarcerated. I mailed Experian proof of my incarceration on XX/XX/XXXX and submitted multiple FTC identity theft reports in XXXX and XXXX to support this. 

On XX/XX/year>, at or around XXXX XXXX XXXX XXXX I spoke with a XXXX  XXXX supervisor who admitted they received my proof of incarceration. Despite this, XXXX XXXX insists I am liable because a family member financially benefited from the fraud, even though I never authorized or opened the account. 

Experian is siding with XXXX XXXX and refusing to block or remove the fraudulent account from my credit report. This refusal violates my consumer rights under the Fair Credit Reporting Act, including sections 1681i and 1681c. It also violates the Fair Debt Collection Practices Act, sections 1692e and 1692f, the Identity Theft and Assumption Deterrence Act section 1028, and the Fair Credit Billing Act sections 1666 and 1666a. 

I request that both Experian and XXXX XXXX fully investigate, remove the fraudulent account from my credit report, and acknowledge I am not responsible for any charges.

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 2025-08-02 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
( Original Creditor : 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: FL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
( Original Creditor : 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/year>

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 2025-08-02 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: NC

Complaint narrative:
Unauthorized Hard Inquiry Dispute Experian XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX SSN : XXXX XXXX : XX/XX/XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX Subject : Factual Dispute of Unauthorized Inquiries under XXXX XXXX Code XXXX Dear Experian Dispute Department, I am writing to dispute unauthorized hard inquiries appearing on my consumer credit file. Under the Fair Credit Reporting Act ( FCRA ) 1681b, credit inquiries may only be made with my written authorization or under a permissible purpose. I did not authorize, initiate, or apply for any credit with the following entities, and I request these inquiries be immediately removed from my file in accordance with XXXX XXXX compliance and consumer law : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXXXXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I demand that you investigate and delete these unauthorized inquiries within 30 days. If you can not verify a permissible purpose, these must be removed as required by FCRA. Failure to do so XXXX result in further action with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, or civil litigation. 

Please respond in writing with the results of your investigation. Attached is a copy of my identification and proof of address for your verification purposes. 
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 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I did apply for a loan of XXXX and suddenly with fees and interest it went up to XXXX all the fees were hidden until I signed up then I received the money but immediately the withdrawal started I am so in chock that I have decided to report it so you can initiate a investigation here I will upload the form And in advance thank you for all the support

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: UT

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: UT

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

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 2025-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX I called my vehicle finance company to see how much I already paid on my vehicle. The rep stated from XXXX this present day I already paid XXXX. I asked the rep how much is the price of the car and she stated XXXX. I asked how much more for this vehicle to pay it off and she stated XXXX more. I was floored. The rep stated that the interest charge was XXXX just alone. I have a XXXX XXXX traverse and the value of this car is not XXXX. I didn't know my interest was XXXX just alone, this is the value of XXXX vehicles. Since dealing with this finance company they have put me in debt and ruined my credit. I am trying to seek some legal help to get me out this overpriced agreement. I even spoke to other dealerships and they also stated I have been had. No other dealers will let me trade the vehicle in because of this over priced interest charge and I've had the vehicle almost 4 years now. Please help with any recommendations on how I should handle this matter.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding Equifaxs failure to comply with the Fair Credit Reporting Act ( FCRA ) as amended by the Debt Bondage Repair Act ( 2022 ) and Section 6102 of the XXXX  Victims Protection Act ( TVPA ). 

I am a confirmed victim of XXXX XXXX  and my status has already been acknowledged in prior communications and submissions to credit reporting agencies. Despite this, Equifax has failed to remove adverse accounts within the required XXXX period after receiving my XXXX  relief request and supporting documentation. This delay is already in violation of federal law. 

Even more concerning, Equifax has allowed previously removed accounts to reappear under new account numbers, as debt buyers continue to resell and reassign the same invalid debts. This practice directly violates the intent of the law, which prohibits the continued reporting of debts incurred as a result of XXXX  XXXX, regardless of who owns or attempts to collect on the debt. 

This is not only legally noncompliant but is causing ongoing harm to me as a survivor : It re-traumatizes individuals already recognized as victims. 
It implies legitimacy to debts that were clearly incurred under coercion or exploitation. 
It hinders efforts to rebuild credit, secure housing, and achieve financial recovery post-trauma.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bull City Financial Solutions, Inc
State: CA

Complaint narrative:
I am submitting this complaint regarding XXXX failure to comply with the Fair Credit Reporting Act ( FCRA ) as amended by the Debt Bondage Repair Act ( 2022 ) and Section XXXX of the Trafficking Victims Protection Act ( TVPA ). 

I am a confirmed victim of human trafficking, and my status has already been acknowledged in prior communications and submissions to credit reporting agencies. Despite this, Equifax has failed to remove adverse accounts within the required XXXX period after receiving my trafficking relief request and supporting documentation. This delay is already in violation of federal law. 

Even more concerning, Equifax has allowed previously removed accounts to reappear under new account numbers, as debt buyers continue to resell and reassign the same invalid debts. This practice directly violates the intent of the law, which prohibits the continued reporting of debts incurred as a result of human trafficking, regardless of who owns or attempts to collect on the debt. 

This is not only legally noncompliant but is causing ongoing harm to me as a survivor : It re-traumatizes individuals already recognized as victims. 
It implies legitimacy to debts that were clearly incurred under coercion or exploitation. 
It hinders efforts to rebuild credit, secure housing, and achieve financial recovery post-trauma.

Company response to consumer: Closed with explanation