vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I formally disputed and demanded the Immediate Deletion of Re-Aged Accounts Violations of FCRA 623 ( a ) ( 5 ) & 15 U.S.C. 1681c ( a ) ( 4 ) I formally disputed several accounts on my Experian, Equifax, and TransUnion credit reports that are being illegally re-aged and reported in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681c ( a ) ( 4 ) which governs the reporting time period for adverse information ( 7 years ), and FCRA Section 623 ( a ) ( 5 ) which mandates accurate reporting of the Date of First Delinquency ( DOFD ).

These accounts have reached or exceeded the statutory seven-year reporting limit for derogatory information. Re-aging these accounts by altering the delinquency date, or continuing to report them as active derogatories beyond their legally allowed reporting period, is unlawful. 

I formally demand an you immediately delete the following accounts from my credit file : Accounts in Dispute XXXX XXXX XXXX  Opened : XX/XX/XXXX ( Closed ) XXXX XXXX XXXX ( Closed ) XXXX XXXXXXXX Opened : XX/XX/XXXX ( Closed ) XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX ( Closed ) Each of these accounts has reached or passed the statutory 7-year limitation from the Date of First Delinquency ( DOFD ) and therefore must be removed from my credit file under FCRA guidelines . These accounts constitute : Willful noncompliance under FCRA Section 616, Negligent noncompliance under FCRA Section 617, and A direct violation of my consumer rights.

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc.
State: WA

Complaint narrative:
Subject : Retaliation and Mishandling of Unauthorized Transaction Dispute Account Closure and Funds Freeze To Whom It May Concern : I am filing this complaint regarding XXXX, involving serious concerns about their handling of unauthorized transactions in my account and their subsequent retaliatory actions. 
Between XX/XX/XXXX and XX/XX/XXXX, a total of {$3000.00} in unauthorized transactions were made from my account. I filed a formal dispute with MoneyLion in XX/XX/XXXX, in accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX The bank denied my dispute, claiming no error was found. 
However, another financial institution involved in the same set of transactions reversed their decision, confirmed the transactions were unauthorized, and refunded my money. I provided XXXX with this documentation in a final demand letter requesting they reverse their decision and honor my dispute. 
Instead of addressing my claim in good faith, on XX/XX/XXXX, XXXX abruptly closed my account, froze all funds in the account ( including incoming direct deposits ), and denied me access to my money for over XXXX weeks. This action created severe financial hardship, including past-due bills and inability to cover basic expenses. 
I believe these actions constitute : - A violation of XXXX and Regulation XXXX, which require good-faith investigation and timely handling of unauthorized transaction claims. 
- Retaliation for exercising my rights under federal law. 
- Improper freezing of funds without legal justification or notice. 
I request that your office investigate XXXX conduct, require them to : XXXX. Immediately release all frozen funds ; XXXX. Reverse their denial of my unauthorized transaction dispute ; XXXX. Provide written justification for the account closure and fund freeze ; XXXX. Compensate for financial damages caused by their actions. 
All relevant documentation, including my dispute letters, XXXX denial, the other institutions reversal, and proof of hardship, are attached. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> -- {$6700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$490.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or XXXX  inquiries as reported. The aforementioned accounts, collections, and XXXX  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 XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXXXXXX Previous Address : 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 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 explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I am writing to formally request the assistance of the Consumer Financial Protection Bureau regarding a monetary dispute with Rocket Mortgage Company. I provided a {$500.00} Good Faith down payment as part of initiating a mortgage refinancing process for my fully paid home, which does not carry any existing loan balance. Throughout the discussions, the terms offered by Rocket Mortgage changed several times, and the introduction of excessive escrow and additional fees ultimately rendered the process untenable. As a result, we were unable to come to an agreement on the refinancing. 
I was informed that my {$500.00} payment would be refunded if the loan was not finalized. Despite multiple attempts to contact Rocket Mortgage, including calls and emails to agent Mai Her and various supervisors, I have not received the promised refund nor any response addressing my concerns. 
Additionally, the statement listed multiple extra charges and insurance fees, yet I received no satisfactory explanation for them despite my repeated requests. This lack of transparency ultimately led me to stop the refinancing process. When I asked representatives for clarification regarding duplicated fees on the agreement, they failed to provide basic information. Rocket Mortgage was unable to explain why I was being charged four times about {$6000.00} each for insurance, even though I already had homeowners ' insurance. They insisted I purchase costly, unnecessary insurance, which I opposed. Neither the representative nor their supervisor could justify or clarify the math, so I withdrew from the process. Although I was promised a refund, I never received it and my calls and emails have gone unanswered. Customers often mention sudden increases or unexpected additions to fees after agreeing to loan terms, confusing communication about pricing, and final costs that are much higher than initial estimates. This is not right. Rocket Mortgage need to refund my money because they kept changing the terms and adding unexplained fees that no sensible person could agree to. 
I attempted to resolve this matter directly with their XXXX Relations XXXX but did not receive any response. For reference : Phone : ( XXXX ) XXXX Email : XXXX I respectfully request your support in recovering my {$500.00} down payment, as Rocket Mortgage was unable to provide the loan under the terms initially offered. Thank you for your attention to this matter. 
I am having difficulties uploading all of the files but I sent 2 so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
XXXX submitting this complaint because inaccurate information on my credit report has caused me to be denied housing. I have already disputed these items with TransUnion, but they remain unresolved. These errors are not mine and are severely harming my ability to secure safe housing. I now face homelessness within XXXX days due to these inaccuracies. I need urgent investigation and correction to ensure fair and accurate reporting as required under the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX SOURCE RECEIVABLES MANAGMENT 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 2025-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
XXXX'KIMBALL TIREY&ST. JOHN LLPXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXHas disregarded my XXXX Agreement and section 8 payments at the time an illegal lockout took place. Since my last filed complaint and filed dispute with the Credit Bureaus, the firm continues to update my report with negative debt.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My credit report contains multiple inaccuracies that are not acceptable. These errors have caused real, ongoing harm and must be corrected immediately.

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 2025-10-16 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: FL

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccurate entries that are harming my credit and causing significant emotional and financial distress.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX BANK XXXX XXXX XXXX XX/XX/year> -- {$6700.00}

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 2025-10-16 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: Credit Control, LLC
State: FL

Complaint narrative:
I have reached out to Credit Control LLC multiple times since early XXXX  regarding an alleged XXXX  XXXX XXXX XXXX account they are reporting to the credit bureaus as a charge-off. Despite several requests for written validation of the debt, they have never provided any documentation or response. 

My most recent attempt to contact them was in XX/XX/year>, sent by email, and I have not received a reply since. They no longer send letters by mail and have not acknowledged any of my prior messages. 

Credit Control LLC continues to report the account as a charge-off on my credit report without ever validating or verifying the alleged balance. This is a clear violation of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), which requires them to cease collection activity until proper verification is provided.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX : - XXXX Previous Address : - XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX Previous Address : - XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX Name : - XXXX XXXX - XXXX XXXX XXXX Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX - XXXX - XXXX - XXXXXXXX XXXX XXXX XXXXXXXX - XXXX - XXXXXXXX XXXX XXXX XXXXXXXX - 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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$1600.00} Original creditor XXXX XXXX XXXX Balance : {$1000.00} Original creditor XXXX XXXX XXXX Balance : {$750.00} XXXX XXXX Balance ; {$640.00} Original creditor XXXX XXXX Balance : {$590.00} XXXX XX/XX/year> XXXX XXXX XXXX XXXX Balance : {$590.00} XXXXXXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UT, 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