vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

I have attached copies of my government-issued ID, utility bills, and Social Security card to verify my correct personal information. Please initiate a thorough investigation and remove or correct these errors immediately. Please confirm in writing once the corrections have been made.

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 2025-07-03 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:
XXXX XXXX XXXX XXXX XXXX 
XXXX, FL XXXX XXXX XXXX Date : XX/XX/year> TO : Department of Education XXXX XXXX XXXX, XXXX XXXX RE : Formal Dispute of Inaccurate Credit Reporting and Demand for Immediate Deletion Account # XXXX To Whom It May Concern, This letter serves as a formal dispute of the account referenced above, which you are reporting to consumer credit reporting agencies under my name.

I am requesting immediate investigation and deletion of all related records being reported to any and all consumer reporting agencies ( CRAs ), including but not limited to Experian, Equifax, and TransUnion. The information reported is inaccurate, misleading, and damaging to my credit profile. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), you are legally required to ensure all information reported is accurate and verifiable. 

To date, you have not provided any valid documentation substantiating the debt or verifying its accuracy as reported. Until such time as complete and verified documentation is provided, any continued reporting of this account constitutes a violation of federal law. 

Accordingly, I demand the following : Immediate cease and desist of all collection efforts regarding this account.

Immediate deletion of this account from all credit reporting agencies.

Written confirmation that all negative information reported by your agency has been deleted from all consumer reports. 

If you fail to comply, I reserve the right to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and may pursue legal action for damages caused by inaccurate credit reporting and violations of my consumer rights.

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 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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 CA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$590.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I applied on Rocket Mortgage 's website for a HELOC. After being quite surprised at the amount they were willing to offer me ( less than a third of at least XXXX other companies who have made it through underwriting and have followed the guidelines according to how I understand them -- XXXX XXXX XXXX XXXX XXXX, XXXX, to name a few. I told them it was no big deal, but they didn't seem to offer what I was looking for, and I wished to go elsewhere. While everyone has been conservative in keeping my XXXX less than 80 % - even at XXXX for a line amount, Rocket offered XXXX if I remember correctly. Wanting to just drop it, mentioning it to them as well, they called me the next day to tell me that every other lender is lying to me, tricking me, and trying to " XXXX up my credit '' unlike them. She then went on to say that I am not an expert in mortgages, and she knows how terrible they are, but they are here to save me. I tried to get her off the phone a few times until I finally had to hang up. She was giving me incorrect information, telling me a HELOC should NEVER be above 30 % utilized which is absolutely not true, despite not originating mortgages once in my life. I feel this is an issue that needs to be addressed for anyone else who may be getting steered and possibly ripped off by this company, even if they have other options just due to incorrect and malicious information spread by them. I don't think they were being discriminatory, but I can't rule that out either. It would have been a completely different thing to say " we are only going to offer you xyz. '' rather than trying to gaslight me into thinking their deception was the truth. That is not ok from anyone with a professional license. I am not claiming to be a mortgage expert, but this would be my third mortgage I've done on my own, in addition to having a XXXX XXXX degree - point being I'm not a complete XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: AZ

Complaint narrative:
hello my name is XXXX XXXX about XXXX or XXXX  months ago i went to a used car dealership names XXXX XXXX XXXX XXXX, i went to look for cars i test drove some cars but i never bought one or signed anything, and now after all this time i saw on my credit report that i have a car loan with westlake financial which is not true, that dealership did fraud with my info, i immediately contacted westlake financial and they said i had to file a fraud claim to the credit bureau, please help me to get this loan out of my credit

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 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
collections agency " Caine & Weiner ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX has sent a letter claiming I owe XXXX XXXX XXXX XXXX {$860.00} when they broke the contract and we DID Not have an XXXX XXXX during the contract period they are attempting to collect money from. 

I am disputing a debt they claim I owe. I requested validation and they have failed to provide it. I believe the original company breached the contract and I should not owe anything. I informed them that I dispute this debt, and Ive asked them not to report it to the credit bureaus. They have been dismissive and unclear. I am concerned about potential damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: CA

Complaint narrative:
On or around XX/XX/year>, I discovered that US BANK has been furnishing my personal information to the credit reporting agencies without my knowledge, consent, or written authorization. At no time did I authorize US BANK to report or communicate my nonpublic personal information, making this a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 6801, which protects the privacy of consumers financial data. This unauthorized action constitutes not only a breach of permissible purpose under FCRA 604 and 607 ( a ), but also may rise to the level of identity theft under 18 U.S.C. 1028A, as my data was furnished without my explicit instruction.

Additionally, US BANK never provided a clear and conspicuous disclosure giving me the opportunity to opt out prior to sharing my information, violating FCRA 1681a ( 2 ) ( iii ). Their continued reporting obstructs my ability to control, verify, or correct how my data is being used. Despite notifying them in writing, they have failed to cease reporting or validate their legal authority to do so.

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 2025-07-03 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: VA

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 Services , 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 XXXX VA XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXXXXXX XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I requested them to send me the debt validation information and letter before court and they couldnt provide it and the court dismissed it. I need it off of all of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
On XX/XX/year>, I, XXXX XXXX XXXX, submitted formal written requests to the following consumer reporting agencies : XXXX XXXX XXXX XXXX XXXX These requests included all required documentation to verify my identity including a copy of my Social Security Card, Proof of Residence, and Drivers License. Despite these legally sufficient submissions, many of these agencies either failed to respond entirely or falsely claimed I did not provide adequate identification. This is factually inaccurate and a direct violation of FCRA 1681g ( a ), which mandates that consumer reporting agencies must provide a complete copy of a consumers file upon request and proper verification. This pattern of obstruction prevents me from exercising my federally protected rights to access, verify, and dispute any data being collected or disseminated by these entities.

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 2025-07-03 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian XXXX XXXX , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$740.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} 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 : {$950.00} INQUIRIES : 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 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX is reporting a debt on my credit report that I do not recognize and have no verifiable connection to. I contacted them and requested validation of this alleged debt, including a copy of the lease agreement, itemized charges, and proof they are authorized to collect this amount. To date, they have failed to provide any of the legally required documentation under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, they continue to report this unverifiable account to one or more credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, which prohibits furnishing inaccurate or unverifiable information to the credit bureaus. They have not responded to my debt validation request and continue to report the account without providing any supporting documents. This is causing ongoing damage to my credit profile and is impacting my financial opportunities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> I used my Chase debit card to purchase some groceries at XXXX. As I was putting my finishing up paying a woman behind me said that I had dropped a {$20.00} bill on the floor and handed it to me. I thanked her and left. I didn't realize that I had left my debit card in the machine until I got home. I immediately called the bank and had them cancel my card. I then checked my account and realized that someone had withdrawn {$1000.00} from it. I then called the bank back and was connected to the fraud department. I explained to them what happened and that I'm sure the woman behind me at XXXX saw me put my pin number in the checkout machine and used the {$20.00} bill to detract my attention to what I was doing, which is why I forgot my card. I do not keep my pin number written down anywhere. The person I spoke with said they would give me a {$1000.00} credit to my account. A few days later, I received a letter from the bank stating that they were going to deduct the {$1000.00} from my account because I authorized it. I called back and asked what I could do. This person told me to file a police report, which I did. I then faxed the report to the bank, but they had already deducted the {$1000.00} from my account. I called and asked why and they told me they did not accept police reports as evidence and would not reopen my case. I have attached a copy of the police report. When I picked up the report, it had the date of occurrence as XX/XX/XXXX instead of XX/XX/XXXX and the officer said that they would correct that. The one I'm attaching is the one with the incorrect date, but the police assured me that they would be looking to see if XXXX had any cameras that my show what happened and also would check the camera at the bank 's ATM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: OK

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: MO

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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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