vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
We received notice from XXXX XXXX about an additional tax assessment in mid XXXX that would be due XX/XX/year>. We called Rocket Mortgage to see if we could use our escrow to pay the additional assessment. They said that they would pay the amount. 

It is now XX/XX/year> and they still have not paid the amount and we are delinquent and incurring interest charges. I called Rocket to ask for the payment to be made today. They said that they were still doing research and that the research would not be completed for another week. They also said that it's been sent for approval to make the payment, but did not tell me who would be approving the payment outside of " Rocket Mortgage. '' They lied to us that they would pay this in a timely manner and now we have to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B 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 ( FCBA ) and the Truth in Lending Act ( TILA ), 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 2025-11-11 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
I dispute the following items on my Experian credit report as they appear to be inaccurate or incomplete : Charged Off : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$6800.00} Late Payments : XXXXXXXX Account Number : 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 2025-11-11 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: FL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: SC

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding the inaccuracies found in my credit reports across the three major credit bureau TransUnion ( TU ). I believe these accounts have been reported inaccurately, and I am requesting that these items be corrected or removed from my credit file. 

Charged Off Accounts : XXXX, Account # : XXXX, Date Open : XX/XX/XXXX, Balance : {$2800.00XXXX XXXX, Account # : XXXX, Date Open : XX/XX/XXXX, Balance : {$5000.00} XXXXXXXX XXXX Account # : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account # : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account # : XXXX DEPTEDXXXX, Account # : XXXX DEPTEDXXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX Account # : 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 2025-11-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I submitted written disputes and requests for investigation to the credit bureaus regarding inaccurate or outdated information on my credit report. However, I never received any response or acknowledgment from the bureaus within the required time frame. It has been more than 30 days since my letters were sent, and I still have not received results of any investigation or updates to my report.

I am requesting that the CFPB review this matter to ensure that the credit bureaus comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) to respond to consumer disputes in a timely and complete manner.

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 2025-11-11 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I submitted written disputes and requests for investigation to the credit bureaus regarding inaccurate or outdated information on my credit report. However, I never received any response or acknowledgment from the bureaus within the required time frame. It has been more than 30 days since my letters were sent, and I still have not received results of any investigation or updates to my report.

I am requesting that the CFPB review this matter to ensure that the credit bureaus comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) to respond to consumer disputes in a timely and complete manner.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
It has been months since I began trying to correct the errors being reported on my file. Accuracy and creditworthiness are extremely important to me, yet these ongoing mistakes have caused serious harm to both my financial stability and emotional well-being. Despite my repeated requests and complaints, the issue continues to be ignored or disregarded, further deepening the negative impact on my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am filing a formal complaint against LVNV Funding LLC ( Account Number XXXX XXXXXXXX ), reported with a date opened of XX/XX/year>, for reporting an unverified collection account on my credit report. I did not give LVNV Funding LLC any permission to report this account to the credit bureaus, and they have failed to provide adequate validation of the debt. LVNV Funding LLC has not provided any documentation to verify this debt, including a signed agreement, a breakdown of the amount owed, or any proof that they have the legal right to collect this debt. This lack of proper validation is in direct violation of 12 CFR 1006.34 ( b ) ( 5 ) of Regulation F, which mandates that debt collectors provide full verification when requested by the consumer.

Additionally, they have failed to offer me a fair opportunity to dispute the debt, violating 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which outlines the requirements for debt collection communications. Despite this, LVNV Funding LLC proceeded to report this account to the credit bureaus without providing the necessary validation. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ), which prohibits the furnishing of information to credit reporting agencies without proper disclosures and an opportunity to dispute the debt. Furthermore, they violated 15 U.S.C. 1681b, which requires that only accounts with a permissible purpose can be reported on a consumer 's credit file. This account was reported without my consent or involvement, and there is no legitimate reason for it to be included on my credit report. 

The inaccurate reporting of this unverified debt has caused significant harm to my credit and reputation. I am requesting that the CFPB investigate LVNV Funding LLC and take appropriate action to address these violations. Specifically, I request the following : Immediate cessation of all credit reporting related to this unverified account ; Deletion of this tradeline from all consumer reporting agencies ; Provision of full documentation proving the debt is valid, including a signed contract, proof of the original creditor, and evidence that LVNV Funding LLC is legally authorized to collect on the debt. 

If this matter is not resolved promptly, I am prepared to pursue legal action for willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o of the FCRA. LVNV Funding LLC 's refusal to adhere to federal law should not go unaddressed. Please help resolve this issue and ensure that LVNV Funding LLC is held accountable for their violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
I am writing to file a dispute regarding inaccuracies on my credit reports from XXXX XXXX, and TransUnion. Please find below the details of the accounts in dispute : The following accounts on my TransUnion report are being disputed as they contain inaccuracies or incomplete information. 

Charged Off AccountXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XXXX Balance : {$220.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$140.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX Balance : {$600.00} XXXX Account Number : XXXX Date Opened : XXXX Balance : {$850.00} Late Payments : XXXX XXXX XXXX Account Number : 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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citi checking and savings account on XX/XX/XXXX under a promotional offer that included a {$750.00} cash bonus for maintaining a balance of at least {$30000.00} across both accounts, as well as a promotional 4.25 % APY for the savings account during the first three months. I have included the offer link below for reference. XXXX  : XXXXciti.com/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX After opening the account, I initially saw that the APY displayed was 4.25 %, which aligned with the promotion. However, when I checked again, the APY had changed to 0.03 %. I contacted customer service to clarify, and was told that I did not have the promotional rate applied. As a result, the interest I received for the first month reflected only 2.37 %, which does not match the promotional terms. 

In addition, during a follow-up call to check the status of the {$750.00} cash bonus, I was informed that I was not eligible due to the method of funding my account. This condition was not stated anywhere on the promotional page or in the terms when I opened the account. I deposited and maintained the required funds in good faith based on the information provided on Citis website. 

This situation has resulted in a financial loss, as I could have earned interest elsewhere had the terms been clearly communicated. When I requested an escalation, I was told that nothing could be done except filing a complaint, with no remediation for the mistaken guidance. 


Thank you for your help on this. I look forward to your response and a fair resolution.

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 2025-11-11 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B 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 ( FCBA ) and the Truth in Lending Act ( TILA ), 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 2025-11-11 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: NC

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: TN

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

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 2025-11-11 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: TN

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I ordered vitamins from a website that unfortunately was a fraud website. I contacted the real owners of the website and they told me I was scammed and gave me the correct website to order from and told me to dispute it with my bank. The bank I used to purchase was chime I disputed it with them & gave all the information I had that showed I was scammed. Apparently they denied my dispute because the transaction did not look wrong but I had proof to show it was completely fraudulent and wrong now they wont give me my funds back and that scammer now has my information!

Company response to consumer: Closed with non-monetary relief