vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the 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. 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 IL XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$23000.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-16 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
I am writing to formally dispute and demand correction of multiple inaccurate personal identifiers on my credit report. These errors directly violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ) and 1681c. You are legally required to ensure maximum possible accuracy, and failure to do so subjects you to regulatory consequences.

After reviewing my credit report, I found several incorrect names, addresses, employers, and other identifiers that do not belong to me. I have attached a valid copy of my government-issued ID, Social Security card , and proof of current address to verify the correct information.

Effective immediately, I demand the following actions : Correct Personal Information : Legal Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, TX XXXX SSN ( last 4 ) : XXXX Date of Birth : XX/XX/year>XXXX  Delete the Following Inaccurate and Unverifiable Items : Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect XXXX : XXXX  ( incomplete/misreported ) Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Employers : XXXX XXXX XXXX XXXX XXXX  XXXX You have no permissible purpose to maintain outdated or incorrect data. These inaccuracies compromise the integrity of my credit profile, create identity confusion, and expose me to unnecessary risk. Your continued reporting of this unverifiable and incorrect data constitutes willful noncompliance. 

Immediately DELETE all incorrect personal information listed above. 
Update my file with the accurate information I provided. 
Send written confirmation that these changes have been made. 
Failure to take prompt corrective action may result in formal complaints filed with the CFPB, FTC, and State Attorney Generals Office.

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 2025-06-16 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: IA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and 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 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I made a mobile deposit, as I've normally done with other banks in my past. The PNC mobile deposit took the check amount incorrectly instead of reading {$100.00} at read over {$5000.00}, big big discrepancy on the mobile banking app on the bank 's end and has had a hold on this check without releasing any funds even though everything has cleared with the party who wrote the check and supposedly the bank that it was pulled on. I took a picture before doing the mobile deposit just to show the check beforehand in case of any issues I've been on the phone one to two hours every day for the past weeks trying to get this resolved with no avail. I'm at my Wit 's End over a check for less than {$110.00}. I have had nothing but issues with PNC I just want to get this cleared so that I can close my account and move on. Everyone be where I would not have any dealings with PNC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: DE

Complaint narrative:
I have received 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 2025-06-16 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: DE

Complaint narrative:
I have received 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Barrett Financial Group, L.L.C.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Draft * * Consumer Name : * * XXXX XXXX * * Servicer : * * XXXX XXXX * * Originating Lender : * * XXXX XXXXXXXX XXXX XXXX XXXX  Loan Originator/Broker : XXXX XXXX XXXX XXXX , Barrett Financial Group LLC * * Loan Type : * * VA Loan * * Property Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint Type : XXXX XXXX XXXX XXXX XXXX  ( Fraudulent Origination, Servicing Misconduct, Consumer Harm ) * * Complaint Summary : * * I am a XXXX XXXX XXXX  female veteran who secured a VA-backed loan for a home in Georgia in late XXXX  XXXX XXXX. Thus all started in the month of XX/XX/XXXX. This loan was originally processed by Barrett Financial LLC and funded by XXXX XXXX XXXX  ( XXXX ). It is now being serviced by XXXX XXXX. 

Prior to final approval, I attempted to secure a mortgage through XXXX XXXX XXXX  with XXXX XXXX, who evaluated my finances and determined that my debt-to-income ratio ( DTI ) was too high to qualify for any loan without a co-signer. This was supported by my active car loan, credit card balances, and personal loan through XXXX. I was told clearly I was over the 45 % DTI mark. 

Despite no changes in income, I was later approved for a {$160000.00} VA loan through Barrett Financial by XXXX XXXX. The loan was approved without the required co-signer, and despite my DTI remaining unchanged. A gift letter from my parents and pre-approval letter from Barrett Financial are available as evidence, along with multiple credit union loan statements showing my financial constraints. 

Text messages between myself, my agent XXXX XXXX, and XXXX XXXX confirm I was over the 45 % threshold and needed a co-signer ( XXXX ). These same texts confirm that the loan was originally denied due to DTI. This leads me to believe that falsified financials, including inflated income or manipulated documentation, were used to force approval through XXXX. 

XXXX XXXX acquired the loan * * after a formal fraud complaint was already filed * *. Despite being aware of these serious issues, XXXX XXXX continued to service the loan and is now forcing me into a deed in lieu of foreclosure, despite my active efforts to address this misconduct. 

* * Requested Resolution : * * - Full investigation into Barrett Financial and XXXX for potential loan origination fraud - Regulatory inquiry into XXXX XXXX acquisition and servicing of a loan under fraud dispute - Compensation for emotional and financial harm - Removal of negative credit reporting and foreclosure status from my credit history - Enforcement action against all parties responsible for violating VA lending standards and consumer protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-06-16 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: AL

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 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. 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 : XXXXXXXX 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$6500.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-16 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: NC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ 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 2025-06-16 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:
I am writing to formally report fraudulent accounts have been established and reported under my name without my knowledge or consent. These accounts are negatively impacting my credit report and severely limiting my financial stability and future opportunities.

Pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I hereby request that the fraudulent accounts be blocked and removed from my credit report within four ( 4 ) business days of receipt of this request. These accounts do not belong to me and were created or accessed without my authorization, constituting a clear violation of my rights under the Fair Credit Reporting Act.

Additionally, under Section 502 of the Gramm-Leach-Bliley Act ( GLBA ), which requires institutions to protect the privacy and confidentiality of consumer financial information, I urge your office to take immediate action to prevent further unauthorized use or disclosure of my personal and financial information. The presence of these fraudulent accounts reflects a serious breach of this federal protection.

I am currently going through an extremely difficult financial situation. I am unemployed, and I am the sole provider for my two-year-old child. These fraudulent accounts are destroying my credit and are making it impossible for me to access housing, employment, or credit opportunities that are critical for rebuilding my life and providing a stable future for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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 formally report fraudulent accounts have been established and reported under my name without my knowledge or consent. These accounts are negatively impacting my credit report and severely limiting my financial stability and future opportunities.

Pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I hereby request that the fraudulent accounts be blocked and removed from my credit report within four ( 4 ) business days of receipt of this request. These accounts do not belong to me and were created or accessed without my authorization, constituting a clear violation of my rights under the Fair Credit Reporting Act.

Additionally, under Section 502 of the Gramm-Leach-Bliley Act ( GLBA ), which requires institutions to protect the privacy and confidentiality of consumer financial information, I urge your office to take immediate action to prevent further unauthorized use or disclosure of my personal and financial information. The presence of these fraudulent accounts reflects a serious breach of this federal protection.

I am currently going through an extremely difficult financial situation. I am unemployed, and I am the sole provider for my two-year-old child. These fraudulent accounts are destroying my credit and are making it impossible for me to access housing, employment, or credit opportunities that are critical for rebuilding my life and providing a stable future for my family.

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 2025-06-16 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-06-16 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: GA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-06-16 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: CO

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 PDF 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 explanation
Consumer complaint received 2025-06-16 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: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
ive recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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 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 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