vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts 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 XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX2024, Balance : {$22000.00} Inquiries XXXX XXXX XXXX Date : XX/XX/scrub>XXXX/2024 XXXX Date : XXXX/2024XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: DISCOVER BANK
State: CA

Complaint narrative:
I purchased concert tickets in XX/XX/XXXX via XXXX using my Discover credit card. About two months later, I can't attend the concert so I file a dispute. Discover then declines the dispute. In about XXXX of XXXX the tickets disappeared from my XXXX account. When I input the order numbers to contact support at ticketed, the website says they are invalid order numbers. So that's when I begin to email ticketera directly rather than filling out a form since it wasn't allowing me to. 

I attempted to dispute the charge with Discover multiple times, even over the phone. The second time, I explained the tickets were no longer accessible and I received a written response from a Discover supervisor ( XXXX in Billing Disputes ) saying the tickets are gone but they can not proceed with a refund unless XXXX confirms in writing that the tickets were revoked and a refund was processed. 
XXXX refuses to provide any such documentation and tells me to talk to Discover. Im being charged {$1100.00} total for tickets that I dont own and have no access to. My credit score is now dropping because I can not afford to pay for something I never received.

Discover acknowledges theres a disconnect between merchant and ticket vendor but has not taken further action. Im caught in a crazy loop and need CFPB support.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-05-22 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: SC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
My wife and I entered into a VA approved mortgage in XXXX with Quicken Loans. I made payments from out joint account from the mortgage inception My wife passed away in late XXXX. After my wife passed, her name was removed from the bank account but I continued to make the monthly payments on the mortgage. At some point Quicken Loans became Rocket Mortgage. In XX/XX/XXXX I realized I was in a position to pay off the mortgage so I contacted Rocket Mortgage. I was informed that my name was not on the mortgage and I would have to provide a list of documents to prove I was in fact successor of interest for the property. I sent the requested documents to Rocket Mortgage on or about XX/XX/XXXX. I received a request to provide a signed IRS form W-9 , I sent that form on XX/XX/XXXX. I received the required information to wire the funds to Rocket Mortgage. I wired the funds through my bank on XX/XX/XXXX. Weeks later on XX/XX/XXXX, I receive a mailing from Rocket Mortgage that included a check for the refund of excess escrow funds, the check was made out to my late wife. I immediately called Rocket Mortgage and was told that a request to reissue the check had been received before the check was issued so the request was not acted upon. I was told that a new check made out to me would be issued in a day or two. Again weeks pass. I called Rocket Mortgage on XX/XX/XXXX to inquire about the check and was told it had been issued on XX/XX/XXXX and to give it a few more days, through the weekend, to arrive. I again called Rocket Mortgage on XX/XX/XXXX and was then told that the check had been issued XX/XX/XXXX and was told to wait until XX/XX/XXXX and call if the check has not arrived. XX/XX/XXXX arrived with no check so I again called Rocket Mortgage. This time I was told again that the check had been issued and the delay was the responsibility of the XXXX Postal Service. I asked to have the money deposited into the same account payments had been made from for years and was told they cant direct deposit funds into the account of the successor of interest, they do not utilize tracking on any on their mail and to wait until XX/XX/XXXX to request a new check of this one has not arrived. 

I simply feel that Rocket Mortgage is not doing all they can to resolve this issue timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
I am banking with Current bank through XXXX XXXX. I am very disappointed because I got an email that they are closing my account with my funds. Now they threatened that they need ID 's and such to give my money back. Excuse me? This is not legal and this money is for my mortgage. How can they hold your money if this is for bills and mortgage? Are they crazy?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name is XXXX XXXX XXXX. 

Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois 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 2025-05-22 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent activity. Please remove all fraudulent unauthorized accounts.

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 2025-05-22 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: TX

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Credit Card account opened at XXXX on XX/XX/XXXX account number XXXX * the account is showing late payment on TransUnion only Credit Card account XXXX at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * * * * * the account is showing late payment on Experian and Equifax only Credit Card account XXXX at XXXX  XXXX on XX/XX/XXXX account number XXXX * * * * * * the account is showing late payment on Experian and Equifax only Credit Card account XXXX at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * * * * * the account is showing late payment on Experian and Equifax only XXXX loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXX * * the account is showing late payment on Experian only XXXX loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXX * * the account is showing late payment on Experian only XXXX loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXX * * the account is showing late payment on Experian only XXXX loan account opened at XXXX XXXX XXXX XX/XX/XXXX account number XXXX * * the account is showing late payment on Experian only XXXX Loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * * the account is showing late payment on Experian only Credit Card account XXXX at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * * * * * the account is showing late payment on Experian and Equifax only XXXX account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * * * * * the account is shown in collection and showing late payment history on Equifax only Credit Card account XXXX at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * the account is showing late payment on Experian and Equifax only Credit Card account XXXX at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * * * * * the account is showing late payment on Experian and Equifax only XXXX Loan account opened at XXXX  XXXX on XX/XX/XXXX account number XXXX * * * * * * * the account is showing late payment on Experian and Equifax only XXXX account opened at XXXX XXXX I on XX/XX/XXXX account number XXXX * * * * * * * * * * * * * * the account is shown in collection on Equifax only XXXX loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXX * * the account is showing late payment on Experian and Equifax only which is being inconsistently reported among the national credit bureaus 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 2025-05-22 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: TX

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Credit Card account opened at XXXX on XX/XX/XXXX account number XXXX * the account is showing late payment on TransUnion only Credit Card account XXXX at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * * * * * the account is showing late payment on Experian and Equifax only Credit Card account XXXX at XXXX  XXXX on XX/XX/XXXX account number XXXX * * * * * * the account is showing late payment on Experian and Equifax only Credit Card account XXXX at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * * * * * the account is showing late payment on Experian and Equifax only XXXX loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXX * * the account is showing late payment on Experian only XXXX loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXX * * the account is showing late payment on Experian only XXXX loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXX * * the account is showing late payment on Experian only XXXX loan account opened at XXXX XXXX XXXX XX/XX/XXXX account number XXXX * * the account is showing late payment on Experian only XXXX Loan account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * * the account is showing late payment on Experian only Credit Card account XXXX at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * * * * * the account is showing late payment on Experian and Equifax only XXXX account opened at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * * * * * the account is shown in collection and showing late payment history on Equifax only Credit Card account XXXX at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * the account is showing late payment on Experian and Equifax only Credit Card account XXXX at XXXX XXXX on XX/XX/XXXX account number XXXX * * * * * * * * * * the account is showing late payment on Experian and Equifax only XXXX Loan account opened at XXXX  XXXX on XX/XX/XXXX account number XXXX * * * * * * * the account is showing late payment on Experian and Equifax only XXXX account opened at XXXX XXXX I on XX/XX/XXXX account number XXXX * * * * * * * * * * * * * * the account is shown in collection on Equifax only XXXX loan account opened at XXXX  XXXX XXXX XX/XX/XXXX account number XXXX * * the account is showing late payment on Experian and Equifax only which is being inconsistently reported among the national credit bureaus XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil 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 non-monetary relief
Consumer complaint received 2025-05-22 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: AL

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 2025-05-22 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: FL

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 XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXXXXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} Inquiries XXXX XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXXXXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} Inquiries XXXX XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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 was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made 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 inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief