vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

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 2025-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Self Financial Inc.
State: IL

Complaint narrative:
I do not recognize these accounts on my credit report and can not confirm that they were done by me and I didn't make any late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

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 2025-03-04 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: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am filing this complaint regarding an unauthorized hard credit inquiry performed by Rocket Mortgage on both my and my husbands credit reports. 

On XX/XX/year>, my husband initiated an online pre-qualification application with Rocket Mortgage. During the process, he explicitly stated in writing via their chat system that this should only be a soft pull, as it was for a pre-qualification and not a formal mortgage application. The agent my husband was chatting with confirmed in writing that no hard credit inquiry would be performed. 

Later, he spoke with the same agent on the phone and again explicitly reiterated that we were only seeking a pre-qualification and that a hard credit inquiry should not be conducted. The agent reassured us that no hard pull would be done. However, within approximately 15 minutes of our conversation, my husband received a call from the same agent apologizing and informing that a hard credit inquiry had been performed on both my and my husbands credit reports without our consent. 

This is a clear violation of consumer rights, as neither my husband nor I ever authorized a hard credit inquiry. Following our demand for written confirmation of this error, the agent sent us an email acknowledging that we had not authorized the hard credit inquiry. 

I am formally requesting that Rocket Mortgage immediately remove the unauthorized hard inquiries from both my and my husbands credit reports, as these inquiries negatively impact our credit scores. Additionally, I ask that Rocket Mortgage take appropriate measures to prevent such unauthorized actions from happening to other consumers. 

Furthermore, due to this unauthorized inquiry and the potential impact on our credit profiles, my husband and I have had to subscribe to credit monitoring services for protection. We are demanding that Rocket Mortgage reimburse us for all costs associated with our credit monitoring as a direct result of their error. 

I expect prompt resolution of this matter, confirmation that the inquiries have been removed, and full reimbursement for our credit monitoring expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: PA

Complaint narrative:
When I checked my credit report today, I was surprised to see inaccurate accounts listed, and I dont understand why. I review my report regularly, but these discrepancies appeared unexpectedly. I attempted to refresh my browser, assuming it might be a temporary issue, but the incorrect accounts remained. Given this situation, I kindly ask that my submitted documents be carefully examined to ensure I never have to deal with this concern 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 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXXXXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have several unauthorized hard inquiries on my credit report. These are fraudulent. I have submitted an FTC report and ask that these inquiries be removed. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-04 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: AZ

Complaint narrative:
I have several unauthorized hard inquiries on my credit report. These are fraudulent. I have submitted an FTC report and ask that these inquiries be removed. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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: OH

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 word 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 non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX, the interest rate changed, it went down. I received emails pertaining to changes in my credit score ( unsolicited ) and notices that my email was compromised ( dark web ) and no notice whatsoever that the savings rate has changed. 
If this is allowed to continue, the consumes will need to verify all accounts daily I only started watching my Capital One 360 account after reading about their previous consumer deception

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Wrongful Repossession, Violations of Florida Law, and FCRA/FDCPA Noncompliance " I am filing this complaint against Capital One Auto Finance for wrongfully repossessing my XXXX XXXX XXXX on XX/XX/XXXX. They violated Florida law by failing to send post-repossession notices and allowing agents to trespass into my gated community. Capital One also ignored my dispute letter dated XX/XX/XXXX. I demand the return of my vehicle, removal of credit reporting errors, and a waiver of any deficiency balance. Attached are copies of my certified mail receipts and community access policies. '' Capital One Auto Finance did not send a Notice of Redemption or Notice of Sale as required by Florida Statute XXXX and XXXX ( adopting UCC 9-611, 9-613 ). 
Impact : Deprived me of my legal right to reclaim the vehicle or challenge the repossession. 

Return or Compensation : Immediate return of my XXXX XXXX XXXX  compensation for its fair market value Failure to Respond to Dispute : They ignored it, violating FDCPA 1692g and FCRA 1681s-2 ( b ). 

Repossession agents trespassed into my gated community without authorization ( no access code/permission ).

Florida Statute 679.625 : Allows damages for wrongful repossession.

UCC 9-609 : Prohibits breach of peace during repossession.

FDCPA 1692g : Requires creditors to respond to disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: IL

Complaint narrative:
I Do not Recognize hard inquiries on my credit report and can not confirm that they were done by me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: SC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX # XXXX XX/XX/year> -- {$300.00}

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
Consumer complaint received 2025-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
The Education Department website states that borrowers who have reached their IDR milestone for forgiveness should be placed on general interest free forbearance due to 8th Circuit injunction but Nelnet says only those on SAVE get interest free forbearance. It is contrary to ED website policy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 




XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$140.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XX/XX/XXXX - {$1800.00} XXXX XXXXXXXX XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XX/XX/XXXX - {$21.00} XXXX  XXXX  XXXX - XX/XX/XXXX {$730.00} XXXX XXXX XXXXXXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$780.00} XXXX XXXX - XX/XX/XXXX - {$770.00} XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$2600.00} XXXX XXXXXXXX XX/XX/XXXX - {$0.00} UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX TransUnion XXXX XXXX Experian XXXX XXXX XXXX TransUnion XXXX XXXX XXXX Experian XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX TransUnion XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX TransUnion

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 2025-03-04 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 




XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$140.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XX/XX/XXXX - {$1800.00} XXXX XXXXXXXX XX/XX/XXXX - {$0.00} XXXX XXXXXXXX XX/XX/XXXX - {$21.00} XXXX  XXXX  XXXX - XX/XX/XXXX {$730.00} XXXX XXXX XXXXXXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$780.00} XXXX XXXX - XX/XX/XXXX - {$770.00} XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XX/XX/XXXX - {$2600.00} XXXX XXXXXXXX XX/XX/XXXX - {$0.00} UNAUTHORIZED INQUIRIES PLEASE DELETE : XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX TransUnion XXXX XXXX Experian XXXX XXXX XXXX TransUnion XXXX XXXX XXXX Experian XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX TransUnion XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX TransUnion

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 2025-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
TRANSWORLD XXXX This account is not my or own Credit utilization Past due {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-03-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I was paying my payments on time until I sent in a payment that was XXXX cents short of the amount so instead of them billing me for the short amount of XXXX cents they billed me for the whole amount which made me think that they did not credit my account for the pay I sent, which they did not do. When I got the next statement it included the same payment that I paid previously there for I felt like I was being double billed. So I did try to resolve the issue with them but they apparently sold the company to another company and they said they dont have records from the previous company, I stop making payments because they couldnt tell me anything about my issue, it was a nightmare trying to get any response or resolutions. The company was XXXX XXXX XXXX which now is Shellpoint Mortgage Newrez.

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