vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
After realizing these inaccurate and fraudulent hard inquiries, I have done everything to dispute them by the Consumer Rights and Laws with the Credit Bureaus. I have made FTC Police reports the way it was requested by Law and by XXXX XXXX  to do so. Have it uploaded 2 times with Experian, after no status change i called them up. They told me with 2 different live agents, that they are unable to remove the fraudulent hard inquiries... according to them i had to call the creditor self to dispute and that Experian is unable to remove inaccuracy! 

After calling the dealership and got transferred my call at least 5 times, they mentioned to contact back the Credit Bureau and let them dispute it. I am speechless with the unprofessional behaviors of all of them. I have decided to contact CFPB, since the others did not move a finger to help me with these issues!

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
For the past several MONTHS, I have been receiving MULTIPLE emails on a single DAY about their {$1.00} dollar promotion for 30 days of their premium service. 

I get fewer spam emails than that from a single spammer. 

I went online to opt out of marketing emails and there was only one option. As I have been involved in a data breach, I don't want to opt out of all emails, just marketing ones. So I reached out to their customer service and was told it was fixed. This was on XXXX. The emails seemed to increase in frequency instead. 

I have sent in two previous complaints but this unwanted marketing wasn't there to my knowledge. 

First one they sent me a letter saying to send in a report to correct errors on my credit report. Nothing to do with the above. 

Today, I got a mail about them removing me from prescreened credit card offers. Again, nothing that I had requested. I assume that was due to the second complaint I put in after receiving that initial mail about correcting errors on my report. 

I should not have had to go around in circles for 4 months trying to get these emails to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: NE

Complaint narrative:
Multiple calls regarding PMI. My housed is sssessed for taxes at. XXXX. I have been charged PMI premiums. I was told it would automatically stop a few years ago. Then that my loan requires PMI for 10 years.

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 2025-08-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$310.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Select Portfolio Servicing ( SPS ) unlawfully added my ex-wife, XXXX XXXX XXXX to my loan and completed a loan modification without Included in the loan modification agreement, there is a fraudulent notarized document, which was signed off by XXXX XXXX at SPS on XXXX. 

On XXXX, the form was notarized by XXXX XXXX, which is One Day after My ex-wife, XXXX XXXX XXXX, signed it. Which was on XXXX. 

I'm the original Borrower of the VA loan and I never was aware or signed the loan modification agreement. 

I gave my ex-wife, XXXX XXXX XXXX, the house in the divorce as well as quick deeded her the property. 

On XXXX XXXX website, it shows myex-wife, XXXX XXXX XXXX XXXX XXXX the Sole Own. 

Loan reference # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-18 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
TRANSWORLD AND XXXXXXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD AND XXXXXXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I am submitting a complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX and my auto loan with Ally. I believe the dealer misrepresented add-on products, misapplied fees, and pressured me into financing, all of which affect my financed balance. 

Concerns : The XXXX shows {$15000.00} taxable price, while the XXXX memorandum title shows {$16000.00}. 
I was charged for GAP ( {$1200.00} ), Tire & Wheel ( {$2800.00} ), and Permaplate ( {$590.00} ) none clearly disclosed. Dealer later agreed to cancel. 
The XXXX XXXX XXXX XXXX was forced on me despite being optional per the dealers own website. It was not separately itemized, yet described verbally as including wheel locks, battery replacement, monthly car wash, and flashing brake light. 
The dealership told me both this package and a recommissioning fee were mandatory, only subject to discounts. In practice, no discount was applied to the recon fee. 
The finance process was delayed over 4 hours, included heavy pressure, and denied my choice to use credit union pre-approval. 

I request CFPB investigate improper dealer practices, including whether Ally properly monitored the dealers representations in connection with the financing. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TX

Complaint narrative:
transunion doesn't let me look at my report n has been providing wrong information to companies. false. n I cant get to their sit at all error. 3 months now but in experian its says its good tranunion n to companies are reporting my credit is believe 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 2025-08-19 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: CA

Complaint narrative:
I challenge the entries associated with accounts allegedly opened in my name without permission. Please complete a meticulous investigation and expunge them. Documentation accompanies this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
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 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 2025-08-18 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: TX

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint because my credit file contains wrong addresses and unauthorized hard inquiries, which are damaging my financial standing and are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.. Despite my efforts to dispute these items with the credit bureaus, they remain on my report, causing continuous harm. 
Credit reports are a reflection of my identity, stability, and financial responsibility. Inaccurate reporting creates the false impression that I have lived in places I never resided and applied for credit I never sought. These errors not only lower my credit score but also expose me to the risk of identity theft and discrimination when applying for loans or housing. 
I respectfully request CFPBs intervention to ensure these false items are removed and my rights are protected. 
XXXX Inquiry Dated XX/XX/year> Issue : This inquiry was not authorized by me. 
Law : FCRA 604 ( a ) ( 3 ) only allows inquiries with a permissible purpose. This one does not. 
Story : I have no account, loan, or credit application with XXXX, yet they pulled my credit without my permission. This makes me feel like my personal data is being accessed and used without my knowledge. Every hard inquiry drops my credit score, so this is not just a violation of my rights, it is also financial harm. It creates a picture that I am desperate for credit, which is very damaging to my reputation with lenders. 
XXXX XXXX Inquiry Dated XX/XX/year> Issue : I never authorized this credit pull. 
Law : FCRA 604 ( c ) ( 1 ) requires written authorization for inquiries. 
Story : I have no relationship with XXXX XXXX XXXX. I did not apply for any credit product with them. Yet, this inquiry remains on my file. This makes me look like I applied for credit I never wanted, and it lowers my score unnecessarily. A credit report is a reflection of financial responsibility, and having inquiries from lenders I never contacted damages my standing in the financial system. 
Conclusion The above items are false, unverifiable, and harmful. They violate my rights under the Fair Credit Reporting Act. Despite disputes, the credit bureaus have not corrected them. These errors continue to cause emotional distress, embarrassment during financial applications, and unjust damage to my credit score.

I request CFPBs urgent assistance in : 1. Forcing the credit bureaus to delete these wrong addresses and unauthorized inquiries.

2. Ensuring compliance with FCRA provisions.

3. Holding responsible parties accountable for these violations.

Thank you for your attention to this matter. I trust CFPB will help restore accuracy and fairness to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: PA

Complaint narrative:
Please assist me in removing unauthorized accounts that have appeared on my credit report. I did not open these accounts and was never made aware of them. Under USC 1681g, I am requesting their deletion within 15 days. Documentation is attached.

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 2025-08-19 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XXXXXXXX XXXX XXXX Date : XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$1200.00} XXXXXXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$1100.00} XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$520.00} XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$260.00} XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$1600.00} XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$2100.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$26000.00XXXX XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$310.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: GA

Complaint narrative:
I am contesting the negative items listed on my credit report.

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 2025-08-18 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: GA

Complaint narrative:
I am contesting the negative items listed on my credit report.

Company response to consumer: Closed with non-monetary relief