vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: NJ

Complaint narrative:
I am the victim of identity theft and inaccurate reporting. My credit report shows multiple accounts that I did not apply for, authorize, or use. Many of these accounts were allegedly opened after my 2016 bankruptcy, when I was unable to obtain new credit, which proves they could not have been legitimately opened by me. In addition, several accounts from XXXX are now past the 7-year reporting limit under FCRA 605 ( a ), yet they are still being reported. Some of these accounts also appear to have been illegally re-aged to make them look newer than they are. and the remaining accounts I have no clue of. This reporting is false, misleading, and has caused serious harm to my ability to obtain housing, credit, and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
Consumer Name : XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, and XXXX  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. These are the fraudulent, inaccurate, and false information ; XXXX - XX/XX/year> XXXX  - XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding TransUnions inaccurate reporting of multiple late payments on my credit report. Your records incorrectly show several payments as late, when in fact, they were made on time. These errors continue to negatively affect my credit score. 

This is both misleading and unacceptable.

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 2025-08-27 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-27 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Target store located in XXXX XXXX, Fl fraudulently added XXXX charges to my Target credit card : On XX/XX/XXXX - {$8.00} On XX/XX/XXXX - {$8.00} On XX/XX/XXXX - {$8.00} I verified with manager XXXX at the store that there were no purchases made using my Target credit card on those days. 
I called Target Credit Card XXXX times between XX/XX/XXXX and XX/XX/XXXX, some calls lasting XXXX minutes and talked to multiple representatives including XXXX managers yet no dispute was filed by them and XXXX fraudulent charges were not removed. 
On XX/XX/XXXX I responded to Target request for additional information but still no dispute and no removal. 
On XX/XX/XXXX I wrote a letter to TD BANK as Target statement advised describing the issue and received a letter from them dated XX/XX/XXXX saying that they will investigate and while doing so fraudulent charges will not be reported to credit bureau and no bills will be issued to me yet they keep on sending me bills with added interest charges and report Target credit card as delinquent which is ruining my credit score and at least one other credit company already sent me a letter reducing my credit limit because of that. 
To avoid any additional fraudulent charges I have closed this credit card in XX/XX/XXXX and received a confirmation letter. 
I need XXXX fraudulent charges to be removed from my account and report to TransUnion corrected by Target Credit Card. 
I also filed a dispute with TransUnion directly requesting removal of fraudulent report from TD BANK/Target Credit Card I believe my credit card was not the only one that was fraudulently charged by Target store and there might be others who just havent noticed those charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a derogatory item appearing on my credit file, which is currently preventing me from securing stable housing. The item in question relates to a collection account from XXXX XXXX XXXX XXXX, assigned to Fair Collections & Outsourcing ( FCO ) under account/reference number XXXX. 

On XX/XX/2025, I received a settlement-in-full letter from FCO verifying that a payment of {$300.00} was accepted as full satisfaction of the {$460.00} account. This letter clearly states the account is closed and that XXXX would notify credit bureaus of the settlement. Despite this, the collection is still affecting my tenant screening report and credit files, which resulted in a denial of housing on XX/XX/2025 ( see attached XXXX report and settlement letter stating that FCO was going to omit from credit report ). 

This inaccurate or incomplete reporting is putting me in a dire situation. I have less than 30 days before I may face homelessness, despite having stable employment and strong income. I urge you to show empathy and urgency by correcting or removing this outdated, misleading account immediately. 

I am requesting the following actions : Delete the settled collection from my credit report. 

Please find the following attached : - Settlement in full confirmation from FCO - Email from FCO - Full tenant screening report from RentGrow ( Denied ) I am also submitting this information to the Consumer Financial Protection Bureau ( CFPB ), as the continued appearance of a settled and closed account as a negative collection may constitute a violation of the Fair Credit Reporting Act ( FCRA ). 
This is my formal dispute under the FCRA. I request that this dispute be investigated and resolved as quickly as possible given my urgent housing situation. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
b'I, Carlos Deangelo Prunty, Trustee of the XXXX XXXX XXXX XXXX XXXX, file this complaint against Rocket Mortgage, LLC (f/k/a Quicken Loans, LLC).\n\nThis matter is already on record with the Federal Trade Commission under Filing Number XXXX  Indiana Attorney General filing XXXX XXXX XXXX  and United States department of the Treasury Criminal investigation Division expanding this record to ensure all agencies are notified of Rocket Mortgages unlawful conduct.\n\nRocket Mortgage has engaged in:\n\n- Fraudulent lien practices and misrepresentation of lien priority against trust-owned property;\n- Unlawful securitization and sale of my mortgage into investment trusts without disclosure, assignment, or consent, in violation of TILA and RESPA;\n- Conversion of my credit signature into securities identified by CUSIP, generating undisclosed profits, while continuing to demand fiat payments;\n- Dishonor of private settlement instruments, including Bill of Exchange, Conditional Acceptance for Value, and Notice of Tender, leaving all notices unrebutted in default;\n- Unjust enrichment through charge-offs, insurance policies, and securitization proceeds, all concealed from the borrower/trustee.\n\nSupporting evidence includes certified mail notices establishing administrative default and dishonor:\n\n- Bill of Exchange / Affidavit of Tender  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 XXXXn\nThese notices remain unrebutted, constituting legal default under UCC Articles 3 & 9 and establishing a perfected trust claim.\n\nI request:\n\n1. Recognition and enforcement of my trusts beneficial and equitable title;\n2. Immediate investigation and correction of Rocket Mortgages fraudulent lien filing;\n3. A full securitization and accounting of the mortgage (including CUSIP and proceeds);\n4. Injunction against further foreclosure, collection, or lien enforcement until compliance is achieved;\n5. Enforcement action under FTC Act  5, TILA, RESPA, UCC, and RICO statutes as appropriate.\n\nAll supporting evidence and certified records are available upon request.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I am filing this FTC identity theft affidavit to report XXXX separate fraudulent acts in my name resulting hard inquiries, which are now appearing on my consumer FICO credit report which I do not recognize as reported in which our result of identity theft, and fraud. These accounts are XXXX  XXXX company on XX/XX/XXXX. XXXX XXXX XX/XX/XXXX and XXXX data XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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 filing this FTC identity theft affidavit to report XXXX separate fraudulent acts in my name resulting hard inquiries, which are now appearing on my consumer FICO credit report which I do not recognize as reported in which our result of identity theft, and fraud. These accounts are XXXX  XXXX company on XX/XX/XXXX. XXXX XXXX XX/XX/XXXX and XXXX data 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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
The company that I'm talking about is Chime. Someone called me at work on XX/XX/XXXX asking me did I try to purchase something from XXXX XXXX for {$600.00}. I told them that I did not. Person on the phone said that they were Chime. I did purchase a joystick the day before from XXXX XXXX for {$80.00}. The lady on the phone was asking me about different transactions that I did and she knew what days my checks were deposited and how much. I just knew it was Chime because she knew too much of my business. The lady stated that I needed to move my money ( which was {$1500.00} ) from that account to a new account. She said that Chime needed to close that account because it was not the first time someone tried to use my account. I thought it was Chime because of all the information that she was telling me. I agreed to open a new account and move the money to the new account. The lady had to work for Chime because she knew all of my transactions. Once she said she moved the money to a new account, I noticed that my old account was closed. Only Chime can close my account so I thought it was legit. The next day I noticed that I did not have an account at all and my money was gone. I even have a couple of text messages that she sent to me. I called Chime to see where my money went. They act like they don't know! I said well my account is closed and no one can close my account but Chime so how did my account get closed. They act like they can not explain that to me. I filed with Chime to have my money returned and they denied me twice. I think this is a inside job because the lady knew too much and how did the account get closed. When I called them back because my check gets deposited to that account, they opened the account back with the same account numbers. They are ripping people off. That was all the money that I had to my name and they do not want to return my money. I even filed a police report. The report number is XXXX, XXXX XXXX and his badge number is XXXX. I even received a message stating my account was deactived due to inactivity. How is that possible and my check is deposited each week and I use my card everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: TN

Complaint narrative:
I recently opened a business checking and savings account for my business XXXX XXXX XXXX. After the account was approved I attempted to sign up for online banking and received an error message saying that their system couldnt find me. I told the person who opened my account about the issue and was told a number of different things that turned out to not happen, including dates that the situation would be fixed. I received a call a few days later on a Friday from a different person who told me that he was taking charge of the situation and would keep me updated and to expect the situation to be fixed no later than that following Monday. A week went by and I received no communication from anyone at the bank and the issue still is not fixed and I still do not have access to my account through online banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HOME BANCSHARES, INC.
State: AR

Complaint narrative:
I provided my driver 's license along with my debit card to a teller, requesting to deposit {$120.00} into the account linked to that debit card. The funds were deposited into a different person 's account entirely. I returned to have the problem fixed and was told it would be tomorrow when they reopen. This is the second time this bank has made a similar mistake by depositing funds into an account that is not mine.

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 2025-08-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
I live in this address of XXXX XXXX XXXX XXXX XXXX IL XXXX. 

I do have my own mortgage with this address. 


This is not first time, this is second time strange someone with that name XXXX XXXX attempt to use my address for loan, or mortgage or home equity. He does not live at my address. I'm the only one living in my address. Im concerning that someone would attempt to commit fraud or pretending to be someone using my address to gain finances or credit purposes and put this on me. If someone else tries to apply toward my exact address, it should raise red flags and put red flags on that person whoever is applying.

I'm going to ask SoFi
Home equity company WHERE THEY obtain his information with his name. I got the letter from them offering SoFi home equity. Im going call and bark them saying he does not live at my address. 
Same with XXXX XXXX XXXX sent me letter with same name XXXX XXXX at my address. I called told them to remove his name he doesn't live at my address and not send me any again. 
( I have my own mortgage with different company not with any of them ). I want to put radar on XXXX XXXX if he tries to use any kind of loans or something attaching to my address it should raise red flag and put stop on him. I want to protect my home. ~ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: AR

Complaint narrative:
XXXX not sure on the dates I tried a couple times to get them to send me an original contract with me owing them money and they could not provide me with anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
Accounts are being reported under my name without my knowledge, consent, or authorization. I have never opened or managed these accounts, and their presence is inaccurate, misleading, and unacceptable. This false reporting is causing significant harm to my credit profile.

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 2025-08-27 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: IL

Complaint narrative:
TransUnion refused to accept my FTC Identity Theft Report for a fraudulent XXXX account, blocking my right to a XXXX removal under the FCRA. They also deleted my legitimate XXXX XXXX tradeline twice, and even after providing confirmation, still have not reinserted it. Their repeated mishandling has damaged my credit and led to multiple denials.

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 2025-08-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
I was never notified of a Rent Debt. The apartment complex stated that I owed nothing, I have documentation that my balance is XXXX, and I even received my deposit back. I never received a call, email, or letter stating that I owed anything. This amount immediately went to collections without my knowledge.

Company response to consumer: Closed with explanation