vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * * * * * * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * * * * * * XXX, Date Opened : XXXX XXXX XXXX, Balance : {$260.00} XXXX XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX & XXXX XXXX XXXX Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX AUTO Date : XX/XX/XXXX CAP XXXX NA Date : XX/XX/XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  # XXXX Date : XX/XX/XXXX 2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: LA

Complaint narrative:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * * * * * * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * * * * * * * * XXX, Date Opened : XXXX XXXX XXXX, Balance : {$260.00} XXXX XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX & XXXX XXXX XXXX Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX AUTO Date : XX/XX/XXXX CAP XXXX NA Date : XX/XX/XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  # XXXX Date : XX/XX/XXXX 2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
Personal Information ( Equifax ) Former : XXXX XXXX XXXX Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely. 
According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. 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 should be removed after I supply proof of who I 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 2025-05-29 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: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX XXXX My correct date of birth : XX/XX/1993 My correct Social Security number : XXXX My correct address isXXXXXXXX XXXX XXXX XXXX XXXXXXXX, Florida, XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 

Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief.

Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
I have submitted all required documentation and urge for a comprehensive examination of this issue. The unauthorized inquiries are greatly concerning to me, and I seek a prompt resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NC

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 explanation
Consumer complaint received 2025-05-29 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:
Because of a recent data breach, my credit report has been corrupted by unauthorized accounts. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: SC

Complaint narrative:
XXXX XXXX, XX/XX/year> 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Selene Holdings LLC
State: NY

Complaint narrative:
Dear CFPB, I am submitting this complaint regarding my mortgage loan, which originated in XXXX with an original principal of {$190000.00}. Over the years, the loan has been transferred between different servicers, and I have encountered significant difficulty in obtaining a full and transparent accounting of how my payments have been applied. 

Recently, I inquired about the current principal balance of approximately {$200000.00}, which seems unreasonably high given the original loan amount and the payments I have made over the past XXXX years. I am trying to pay off the mortgage in full but am unable to do so without a clear and accurate understanding of how the current balance was calculated. 

I specifically requested a full loan history from origination to the present, detailing how all payments were allocated ( e.g., toward principal, interest, escrow, fees, etc. ). However, the current servicer was only able to provide me with a partial breakdown covering activity from XXXX to the present. They claim to have no records from XXXX to XXXX, which is precisely the period I need in order to reconcile the current balance. 

This lack of transparency is unacceptable and is preventing me from resolving my mortgage responsibly. I am respectfully requesting the CFPBs assistance in compelling the mortgage servicer ( XXXX ) to provide a complete and detailed payment history from XXXX to date, including a full breakdown of all charges, interest calculations, fees, transfers, and any other adjustments that may have impacted the principal balance. 

Thank you very much for your attention and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was defrauded into sending a XXXX payment through Bank of America to an individual posing as a seller of a high-end projector with a claimed value of over {$9000.00}. The device I received was a counterfeit product worth less than {$100.00}, and this fraud is now documented in an official police report ( Report # XXXX, filed with the XXXX, GA Police Department ) . 
I provided Bank of America with this police report, photographs of the counterfeit item, and details identifying the scammer, XXXX XXXX XXXX, who also holds an account with Bank of America. His name is tied to the LLC attached to the account that received my payment, and he has a known criminal history for similar offenses. 
Despite this, Bank of America denied my fraud claim, stating the transaction was authorized and therefore not refundableeven though I was clearly misled and the payment was made under false pretenses. I spoke with multiple supervisors and followed up repeatedly. Each time, I was told that they could not recover the funds and that they had no ability to refund it. 
I also informed BOFA that I have a recording of my call with their team, during which this denial was confirmed despite overwhelming evidence of fraud. 
I am requesting that this complaint be reviewed by CFPB and that Bank of America re-examine this as a fraud case involving criminal misrepresentation and counterfeit goods, and issue a full refund for the amount I was scammed. 

My case number with BoFA is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MT

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX Summary of Complaint : XXXX XXXX XXXX  continues to report and collect on a mortgage debt that was legally rescinded under the Truth in Lending Act ( 15 U.S.C. 1635 ) on XX/XX/year>. XXXX failed to respond within the required 20-day statutory window. The debt and lien are therefore void by operation of law. Offer of tender was made contingent upon XXXXXXXX XXXX mandated statutory requirement to return all charges and fees and removal of the lien from the land records which they failed to do. 

Despite this, XXXX has continued to : - Send collection letters, - Threaten negative credit reporting, - Ignore evidence of rescission, ( Affidavits, Certified Mail receipts, etc. ) - Acknowledge receipt of my rescission in recorded phone calls with their representatives on XX/XX/XXXX and XX/XX/year>. 

The originating lender ( XXXX XXXX ) acknowledged the validity of the rescission in internal emails. XXXX received these emails and was provided direct knowledge of the facts. 

XXXXXXXX XXXX XXXX XXXX Account No : XXXX I am requesting CFPB enforcement to compel Shellpoint to cease all collection and credit reporting activities, issue a discharge confirmation, and correct my credit records accordingly. 

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 2025-05-29 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: EQUIFAX, INC.
State: MT

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX Summary of Complaint : XXXXXXXX XXXX XXXX continues to report and collect on a mortgage debt that was legally rescinded under the Truth in Lending Act ( 15 U.S.C. 1635 ) on XX/XX/year>. XXXX failed to respond within the required 20-day statutory window. The debt and lien are therefore void by operation of law. Offer of tender was made contingent upon XXXXXXXX XXXX mandated statutory requirement to return all charges and fees and removal of the lien from the land records which they failed to do. 

Despite this, XXXX has continued to : - Send collection letters, - Threaten negative credit reporting, - Ignore evidence of rescission, ( Affidavits, Certified Mail receipts, etc. ) - Acknowledge receipt of my rescission in recorded phone calls with their representatives on XX/XX/XXXX and XX/XX/year>. 

The originating lender ( XXXX XXXX ) acknowledged the validity of the rescission in internal emails. XXXX received these emails and was provided direct knowledge of the facts. 

XXXXXXXX XXXX XXXX XXXX  Account No : XXXX I am requesting CFPB enforcement to compel XXXX  to cease all collection and credit reporting activities, issue a discharge confirmation, and correct my credit records accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief