vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I opened an account online with Citi Bank on XXXX I deposited {$25.00}. I have received my debit card. When I tried to log back in the next day I got an error message stating I need to call customer service. I called and was told I need to wait for a voicemail or letter in mail with a reference code. I have no received anything as of XXXX. I have no access to my account or money. They havent called me nor sent a letter. Everytime I call customer support they say wait for the letter its going on 2 months now. I received my debit card but it doesnt work I cant even use the money

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 2025-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
On or about XX/XX/2025, I began communication with XXXX XXXX with XXXX Mortgage, a third party loan processor, in order to obtain a loan for a home I was interested in purchasing. Over the next 60 days, I was approved for a conventional home loan via Rocket Mortgage and began the closing process with XXXX XXXX and another loan processor, XXXX XXXX. I submitted all documents that were requested, until XX/XX/2025, when I was asked to submit a copy of an obituary, proving that my donor 's deceased XXXX  was actually deceased. While verifying my donor 's information, the lender made the assumption that my donor 's wife was still alive because they saw a woman 's name listed on a bank account, further delaying the closing process. 

I was also informed on this day that the terms of my loan had changed and I had only been approved for {$15000.00}, instead of {$110000.00} - and an additional {$3000.00} was needed from me for a down payment. My closing date throughout the entire process had been changed at least 6 times. I was assured that my final closing date would be XX/XX/XXXX, however, that was changed again. The lender had all necessary and required documents in their possession and were able to verify all funds and assets on XX/XX/XXXX, but insisted on dragging out the closing process with requests for immaterial documents. The typical time to close on a home loan is XXXX days, but Rocket Mortgage XXXX XXXX deceive and mislead me on the amount I was approved for as well as my closing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Incorrect information on my c

redit report. Second Round.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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:
These mistaken entries must be taken off the record within 15 days under USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CL Holdings LLC
State: IN

Complaint narrative:
The vehicle was voluntarily given back to the lean holder

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: Experian Information Solutions Inc.
State: MS

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

1681c2 ) that you, the Experian 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 XXXXXX/XX/XXXX, Balance : {$0.00} 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 2025-08-25 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: IL

Complaint narrative:
I am seeking your help to remove unauthorized accounts listed on my credit report. I never opened or authorized them, and I was not notified of their inclusion. Pursuant to USC 1681g, I request they be removed within 15 days. Enclosed are supporting files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and
regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 : ACCOUNTS : XXXX XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XXXX, Balance : {$420.00} 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, 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 2025-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, a consumer reporting agency must block and delete all information

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 2025-08-25 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: GA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, a consumer reporting agency must block and delete all information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XX/XX/year> XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) XXXX : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX Re : Account # XXXX Credit Reporting Dispute & Validation Demand To Whom It May Concern, This letter serves as a formal dispute of inaccurate information being furnished regarding the above-referenced account. XXXX XXXX XXXX, doing business as XXXX XXXX XXXX XXXX, is reporting late payments that are incorrect, misleading, and damaging to my credit history. 
Statutory Requirements Under 15 U.S.C. 1666b, payments must be credited as of the date of receipt. If you contend that my payments were late, you are required to provide documented proof that such payments were received more than 21 days before the contractual due date and were not properly credited. Without such proof, the alleged delinquencies can not lawfully be reported. 
Further, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers must ensure that all information provided to consumer reporting agencies is accurate and complete. Inaccurate reporting of delinquency violates these provisions. 
Securitization Context It is my understanding that this loan may have been pooled, assigned, or transferred into a securitized trust. In such cases, XXXX ( XXXX XXXX ) is acting merely as a servicing agent and does not have beneficial ownership of the debt. Any records of delinquency must therefore be supported by verifiable accounting ledgers tracing back to the actual creditor or trustee of the securitized trust. 
You must validate : 1. The chain of title and ownership of this account, including whether it has been securitized.

2. The payment history ledger showing the date of receipt of each payment.

3. Proof of delinquency, specifically showing that any alleged late payments ( 30 : 560 ; 60 : 390 ) occurred at least 21 days prior to the due date, and that they were not properly credited in compliance with federal law.

Requested Action I demand that you : 1. Investigate the reporting of late payments on this account.

2. Produce documentation showing compliance with 15 U.S.C. 1666b.

3. Correct any inaccuracies with the credit bureaus, reflecting this account as current and paid as agreed.

4. Provide written confirmation of your findings.

This constitutes a formal notice of dispute. You are required to complete your investigation within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because multiple negative collection accounts are being reported on my credit profile by the following agencies : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously disputed these accounts with the credit bureaus, but they remain despite no proper verification being provided as required under the Fair Credit Reporting Act ( FCRA ) : FCRA 609 ( a ) ( 1 ) : I requested full verification, including a signed contract or agreement proving liability. None was provided.

FCRA 611 ( a ) : Credit reporting agencies must conduct a reasonable reinvestigation and delete any unverifiable, inaccurate, or incomplete items within 30 days.

FCRA 623 ( a ) ( 5 ) : Data furnishers are required to report only accurate and complete information or delete unverified data upon notice of dispute.

Since the furnishers failed to provide legally sufficient proof and continue to report adverse information that can not be verified, these entries are damaging my credit unlawfully and violating federal law.

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 2025-08-25 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:
I am formally demanding that EXPERIAN immediately remove or correct multiple false, misleading, and unauthorized items currently appearing on my consumer credit file. These inaccuracies constitute direct violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681i, which requires a reasonable reinvestigation of disputed items, and 1681s-2, which mandates that furnishers of information ensure the accuracy and integrity of the data they report. By allowing unverified and inaccurate information to remain on my credit profile, EXPERIAN is failing in its statutory duty to protect consumers against the dissemination of false and damaging credit information. 

The accounts at issue include XXXX XXXX ( ACCT. NO. XXXX ), XXXX XXXX ( ACCT. NO. XXXX ), and XXXX XXXX  ( ACCT. NO. XXXX ), each of which is inaccurately reporting late payments that never occurred. Such reporting violates FCRA 1681e ( b ), which requires EXPERIAN to maintain maximum possible accuracy in consumer reports. Additionally, the account with XXXX XXXX XXXX  ( ACCT. NO. XXXX ), which has already been paid in full, continues to reflect a derogatory status. This misrepresentation violates both FCRA 1681i and the Fair Credit Billing Act ( FCBA ), codified at 15 U.S.C. 1601, which safeguards consumers against unfair and deceptive billing and reporting practices. 

Accordingly, I demand that EXPERIAN conduct a full and complete reinvestigation into each of these accounts. If the furnishers can not provide verifiable documentation proving the accuracy of the reported information, these items must be deleted immediately from my credit file. The FCRA requires that consumers be provided with the results of reinvestigation, including the name, address, and telephone number of each furnisher that verified the disputed data, as set forth in 1681i ( a ) ( 6 ) ( B ) ( iii ). Continued reliance on inaccurate, unverified, or incomplete data constitutes willful noncompliance with federal law and places EXPERIAN at risk of liability. 

Please be advised that failure to comply with these federal requirements subjects EXPERIAN and the data furnishers involved to civil liability under FCRA 1681n and 1681o. This includes actual damages, statutory damages, punitive damages, and attorneys fees for both negligent and willful violations.

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 2025-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
On XX/XX/scrub>, 2025 we made a request to get the payoff for the loan of one of our homes to close on it's sale. To date, XX/XX/scrub>, 2025 we have reached out several times without resolution for our request. The customer service team informed us they have no direct communication with the commercial loan payoff team, and can't do anything short of sending an email to request the payoff. The closing of this home to the new buyer is scheduled for today, and ShellPoint/NewRez will not provide the payoff amount to be able to do so.

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 2025-08-25 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: AZ

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation