vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-07 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

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 2025-08-07 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX  XXXX AUTO - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: GA

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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 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 2025-08-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: RockLoans Holdings LLC
State: PA

Complaint narrative:
I applied for a personal loan through Rocket Loans and was denied because my income was already in use to support another active loan. The other loan belongs to my wife, who linked our joint bank account during her application. 

I am not listed as a borrower, co-signer, or authorized party on her loan, and I did not provide consent for my income to be used in her loan application. It appears Rocket Loans automated income verification process attributed deposits from my employer to her as part of her loan qualification, without verifying my identity or consent. 

When I requested documentation of how my income was attributed, Rocket Loans refused to provide details, citing privacy and instructing me to communicate only through their legal counsel. This raises concerns over the accuracy, transparency, and legality of their underwriting and data-handling practices. 

I am requesting the CFPB review whether Rocket Loans and XXXX XXXX XXXX  are in compliance with applicable laws, including those governing consumer data privacy, income verification, and credit decisioning, and to ensure they have adequate safeguards to prevent unauthorized use of one consumers income in another consumers application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
SECOND CFPB COMPLAINT Original Complaint No. XXXX I am writing to notify you of XXXX  non-compliance with the Fair Credit Reporting Act ( XXXX  ), specifically XXXX U.S.C. XXXX, regarding identity theft. 

On XX/XX/year>, I submitted the following documents, which satisfy the legal conditions for blocking information resulting from identity theft : A valid identity theft report, FTC ID Theft Affidavit Proof of my identity A written statement identifying the fraudulent accounts A request to block said information under XXXX Under XXXX XXXX, you are required to block the disputed fraudulent items within XXXX business days of receipt. Instead, you chose to conduct a reinvestigation under XXXX which does not apply in cases of identity theft when the proper documentation is provided. 

I now demand immediate correction : - Block the fraudulent accounts as required by law - Provide me with written confirmation of the items blocked - Cease reporting these items to any third parties If you do not comply, I will escalate this matter to the Consumer Financial Protection Bureau, the Federal Trade Commission, and state authorities, and reserve the right to pursue all legal remedies available to me under the FCRA. 

Sincerely, XXXX XXXX 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 2025-08-07 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: MS

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting 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 2025-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Johnson Mark LLC
State: TX

Complaint narrative:
Johnson Mark LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Utah XXXX Re : Request for Stipulation Agreement Letter - Account with XXXX  To Whom It May Concern, I am writing to formally request a copy of the stipulation agreement letter confirming the terms of my payment arrangement for the account originally held with XXXX XXXX and now owned by XXXX XXXX. 
As agreed, I originally owed $ xxxxxxx and have been making monthly payments of $ xxxxxx, and the remaining balance is approximately $ xxxx. Despite multiple phone requests, I have not received the stipulation letter. I have been told at least XXXX or XXXX  times that it was mailed and/or emailed, yet I have not received any documentation to date. 
A representative from your office previously claimed that the stipulation was sent shortly after the original agreement. However, I never received it, which has placed me in an unnecessarily difficult position. I have contacted your office numerous times and have been promised the letter would be delivered within XXXX to XXXX hours, both by mail and email. Each time, I have followed up after not receiving it. These repeated delays have resulted in significant frustration, stress, and sleepless nights. It seems that this is common business practice when reviewing others ' experience with the firm. Refusal to provide a stipulation letter despite multiple attempts, proceeding with a lawsuit despite agreeing to and not honoring a payment plan and solely providing stipulation letters under pressure of certified mail. There are also reports of suing people in hopes they don't show up and judgement is for the plaintiff and seems like bad faith acting on the firm 's behalf. 
I am making this final good faith request to receive written documentation of our agreement at least XXXX ( XXXX ) days prior to the scheduled court date on xxxxxxxx, 2025. 
Please send the signed stipulation letter to my mailing address or to my email as soon as possible. If I do not receive a response within XXXX ( XXXX ) business days, I will have no choice but to present this request and my full payment history to the court as evidence of my continued effort to resolve this matter. 
Thank you for your prompt attention. 

This is what I sent them on recently. Reading a bit online it seems others have had the same experience I have. I reached out to them again recently, they notified me they'd send it out through the mail and would email me within XXXX hours. I've checked my spam, junk, all mail and nothing has ever come through. I recently received a letter to show up to court despite them telling me over and over they will send the stipulation letter and never did. I do believe they will send the letter once they receive the certified mail, but online forums reflect them having a habit of doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I mailed a written dispute to Equifax requesting an investigation into inaccurate items appearing on my credit report. To assist with identity verification, I enclosed copies of my government-issued photo ID, Social Security card XXXX and a recent utility bill reflecting my current address. 
In the letter, I specifically asked Equifax to disclose how the disputed items were verified, - Details on how the disputed item was verified, - The date when Equifax contacted the creditor, - Contact information of the creditor, - The name of the person who verified the item, - The method of communication used to verify the information ( e.g., phone, email, mail ), - Confirmation whether the creditor provided any sensitive personal information such as my Social Security Number, address, and date of birth during the verification process. 

Despite submitting a fully documented and valid request, Equifax has failed to respond or provide any results. More than XXXX  days have passed since my initial submission, which exceeds the timeline required under the Fair Credit Reporting Act ( XXXX  ). Section XXXX ( a ) of the FCRA mandates that credit reporting agencies conduct a reasonable investigation and communicate findings within XXXX  days. XXXX lack of response is not only unacceptableit constitutes a violation of federal law and denies me my rights as a consumer. 
To support my claim, I am attaching a copy of the original dispute letter mailed to Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX  ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-07 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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, NC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} RNT DEBT - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00}

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 2025-08-07 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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-08-07 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: IL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XX/XX/XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} INQUIRIES : XXXX PRE Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX CPS Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  FIN Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX FINANCI Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  FINANCI Date : XX/XX/XXXX XXXX CRE Date : XX/XX/XXXX XXXX XXXX A Date : XX/XX/XXXX FACTUAL DATA Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: MD

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of several unauthorized inquiries currently being reported under my credit file. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to challenge any information I believe to be inaccurate, outdated, or not authorized, and to request its deletion from my credit report. After reviewing my credit report, I have identified inquiries that I did not authorize and that were made without my consent or permissible purpose. These inquiries are invalid and a violation of my rights as a consumer. They were not initiated by me and should never have been posted to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: MD

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of several unauthorized inquiries currently being reported under my credit file. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to challenge any information I believe to be inaccurate, outdated, or not authorized, and to request its deletion from my credit report. After reviewing my credit report, I have identified inquiries that I did not authorize and that were made without my consent or permissible purpose. These inquiries are invalid and a violation of my rights as a consumer. They were not initiated by me and should never have been posted to my credit profile.

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 2025-08-07 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: LA

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 XXXX USC XXXX. XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX U.S.C. XXXX ( A ) ( XXXX ) 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 explanation
Consumer complaint received 2025-08-07 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: MI

Complaint narrative:
I received a letter from Equifax saying I was involved in a data breach. I have XXXX accounts that were opened and reporting to my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$380.00} XXXXXXXX XXXX XXXX XXXX XXXX {$1400.00} XXXXXXXX XXXX XXXX XXXXXXXX. XXXX {$240.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. {$530.00}

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