vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
Ive recently reviewed a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently received a copy of my Equifax credit report and I noticed many inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been ruinous to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: MO

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Skopos Financial, LLC
State: KY

Complaint narrative:
I applied for a personal loan via their website to help finance a new HVAC system for my residence. I clicked " other expenses '' on their website and somehow ended up with a car loan application in the end. When I called to see about switching the loan type or cancelling the current loan application and restarting the process, I was told that " it would be for a car loan no matter what ''. They repeatedly asked me for my car title and to confirm the bank that my car loan was through. I refused each time and requested they cancel the application they had for me. Again they asked me to confirm my car loan information and read the lender name trying to get me to agree that it was correct. 

I stated clearly over the phone multiple times that I did not wish to continue the transaction and that I was not confirming anything related to my car as I was not seeking a new car loan. The representative refused to cancel my loan initially until I informed them I would be filing a complaint and that the entire scenario appeared fraudulent, as if they are attempting to steal people 's personal and banking information. At that point, the representative hurriedly agreed to cancel my loan and " place me on a brief hold '' to speak with " someone ''. I refused and once again requested a cancellation of my application with them. I initiated the call at XXXXXXXX XXXX  EST on XX/XX/XXXX. I requested a confirmation via email that my application had been cancelled and I have not yet received on at XXXX XXXX EST on XX/XX/XXXX. Seeing as they immediately emailed me a pre-approval I am not sure why it takes much longer to receive a denial/cancellation. 

I will be putting a freeze on my credit reports and alerting other consumer protection websites of the fraudulent company.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-06-25 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: LA

Complaint narrative:
Experian failed to properly investigate inquiries and and credit accounts, misuse of my credit accounts. Im asking for a full investigation considering my information was in multiple data breaches. Credit reports are used for an array of things these days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
When my mortgage servicing was transferred from XXXX to Mr. Cooper, the new servicer incorrectly recalculated my escrow account. This caused a significant and unexpected increase in my monthly payment. No detailed explanation or letter was provided, only a generic notification online that my payment had changed. After reviewing the numbers, its clear that Mr. Cooper either ignored or mishandled prior escrow balances and projections. 

What makes this even more concerning is that since this shortage was applied, Ive been aggressively marketed to by Mr. Cooper via email, physical mail, and prominent website banners urging me to take out home equity or refinance. This all followed a servicing error that increased my financial burden. I have excellent payment history, a low interest rate, and strong equity, this pattern of pressure feels predatory and exploitative. 

While Im willing to make up the shortage to stay current, I believe this situation should be formally investigated. I am requesting : A corrected and documented escrow analysis Assurance that this mistake will not impact my credit Transparency on how this occurred and what actions are being taken to prevent recurrence I would like a written response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TriVerity, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the validity of a debt that Triverity has reported on my credit file, which allegedly originated from XXXX XXXX XXXX XXXX and involves a XXXX XXXX XXXX ( XXXX ) charge. This account is inaccurate, unverifiable, and I demand that all negative remarks associated with this alleged debt be immediately removed from my credit reports with all three major credit reporting agencies ( XXXX, XXXX, and XXXX  ). 

Details of the Dispute : Account History : The debt in question was allegedly transferred from XXXX XXXX XXXX XXXX to Triverity and is connected to XXXX XXXX placed on a vehicle I no longer possess. That vehicle was declared a total loss, and XXXX was paid in full for the value of the vehicle. Therefore, no outstanding balance should exist. 
Lack of Verification : I have contacted XXXX XXXX XXXX XXXX, XXXX ( the XXXX company ), and Triverity multiple times to request verification and documentation regarding this debt. XXXX has no record of this account, and XXXX has not provided any signed agreement or documentation proving I agreed to be liable for this charge. Triverity has similarly failed to provide any legally required validation or signed contract acknowledging this debt. 
Inconsistent Credit Reporting : The amount of the alleged debt varies across all three major credit bureaus. This inconsistency alone raises serious questions about the accuracy and validity of the information being reported. 
Threats and Coercion : I have been threatened with continued negative reporting on my credit file unless I pay this disputed debt. Such actions are not only unethical, but may also violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am writing to formally dispute the unjustified freeze of my cash app ( $ alaskacallin ) and the seizure of {$2200.00} in legitimate business funds. I create and sell personalized party decorations ( personalized centerpieces, banners, balloon bouquets and themed props ). Customers paid me via cash app for these services. Without warning or explanation, cash app froze my account and kept {$2200.00} and has refused to release my fund despite my repeated attempts to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
This message is to formally dispute a hard inquiry appearing on my credit file that I neither authorized nor expected. I review my credit activity regularly and maintain strict control over my credit applications. After carefully reviewing my records, I can affirm that I never gave consent for this inquiry to be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: VA

Complaint narrative:
Demand for Method of Verification under FCRA Immediate Removal Required This letter serves as a final and formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding fraudulent, inaccurate, and unlawfully reported accounts and inquiries associated with my credit file ( Name : XXXX XXXX, SSN ending in XXXX, XXXX XX/XX/XXXX ). Previous disputes and supporting documentation have already been provided.

Method of Verification Request Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), you are required to provide : - A detailed, line-by-line description of the procedure used to verify each disputed item - The name, address, and contact information of the party who verified each item - The method used for verification - Copies of original documents used to verify the item Accounts in Dispute Immediate Action Required Please provide the above Method of Verification details for the following accounts : - XXXX ( Acct. ending XXXX ) Status : Charged Off | Balance : {$11000.00} | Reported : XX/XX/XXXX - XXXX XXXX  ( Acct. ending XXXX ) Status : Over 120 Days Past Due | Balance : {$130000.00} | Reported : XX/XX/XXXX - XXXX XXXX XXXX ( Acct. ending XXXX ) Status : Charged Off | Balance : {$22000.00} | Reported : XX/XX/XXXX - XXXX XXXX XXXX ( Acct. ending XXXX ) Status : Charged Off | Balance : {$17000.00} | Reported : XX/XX/XXXX - XXXX  XXXX ( Acct. ending XXXX ) Status : Collection | Balance : {$11000.00} | Reported : XX/XX/XXXX - XXXX XXXX XXXX ( Acct. ending XXXX ) Status : Collection | Balance : {$2900.00} | Reported : XX/XX/XXXX - XXXX XXXX XXXX ( Acct. ending XXXX ) Status : XXXX | XXXX : {$690.00} | Reported : XX/XX/XXXX - XXXX ( Acct. ending XXXX ) Status : Paid/Closed | Reported : XX/XX/XXXX Fraudulent Hard Inquiries Removal Demand The following inquiries are the result of identity theft and were not authorized. Under FCRA 605B, you must block these within four business days : - XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: AZ

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I co-signed a rental agreement in XXXX for an ex-employee of mine XXXX XXXX with XXXX XXXX XXXX XXXX -a XXXX community- located in XXXX XXXXXXXX XXXX XXXX 
My company closed our business right before COVID. During COVID, XXXX lost her new job and defaulted on her rent payments. She never told me anything about this. 
XXXX XXXX XXXX XXXX ( XXXX XXXX # XXXX ) never approached me when XXXX defaulted on the rent. XXXX did not contact me about this problem either. 
In XX/XX/XXXX she was evicted, and her debt went into some record in XXXX, XXXX. 
Again, I was never approached by XXXX XXXX XXXX XXXX or XXXX. 
On XX/XX/XXXX, I received a collection letter from XXXX referring to a loan about a property in XXXX XXXX I never heard of. I assumed the property in XXXX XXXX was a commercial site. I sent the letter back claiming this was not my debt. 
I recently applied for a rental unit and my credit report was denied with a claim that I owe money from XX/XX/XXXX at $ XXXX, now it is $ XXXX! After obtaining a copy of my credit report, I did some research on the legal firm managing the collections and the property. The legal firm I believe is Kimball , Tirey & St. John LLP, located at XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Then I remembered I co-signed that old rental agreement from XXXX. I need legal help to settle this amount owed and have my credit report cleaned. I need to get released from liability by settling the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XXXX, I was behind on my mortgage payments. At the time there was government funded call centers to help, but I was always told I did not qualify. It was suggested that if missed more payments then I might qualify, so I did. Still I was told that I did not qualify, so I went to a government local office in my area ( XXXX Alabama ) that helped people like me. I discussed my issues with the agent and a possible bankruptcy attorney. I was told that they could help me better than an attorney, so I opted to use their services. Days went by then weeks, and kept in touch to monitor their progress. The agent kept telling me that Wells Fargo would not respond to their many requests Bottom line I had to race to get an attorney and file bankruptcy on a Friday XXXX, XXXX XXXX. Monday was the foreclosure date. I see there is a settlement with Wells Fargo failure to modify loans. How do I file a claim if I was not given notice?

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 2025-06-25 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
To : Equifax XXXX. XXXX XXXX XXXX Ga XXXX Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Compliance Department, I am writing to formally request the removal of an account from my credit report as reported by Equifax This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for { {$2400.00} } from { XXXX }, and ( {$6400.00} ) from XXXX, XXXX {$2400.00} ) from XXXX XXXX XXXXXXXX and XXXX {$560.00} ) XXXX, ( {$2600.00} ) from XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of { XXXX XXXX }. According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. 
I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. Thank you for your immediate attention to this request.

Company response to consumer: Closed with non-monetary relief