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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Credit card usage XXXX  XXXX XXXX $ out of XXXXXXXX XXXX XXXX XXXX Credit card usage XXXX  XXXX XXXX $ out of XXXXXXXX XXXX XXXX XXXX XXXXhese credit cards should not reflect these amounts because it is an incorrect cut-off date and should not be reflected in this credit report.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

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 15 USC 1681. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-03-04 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 wife 's credit reports. 

On [ date ], I initiated an online pre-qualification application with Rocket Mortgage. During the process, I 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 I was chatting with confirmed in writing that no hard credit inquiry would be performed. 

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

This is a clear violation of consumer rights, as neither my wife nor I ever authorized a hard credit inquiry. Following my demand for written confirmation of this error, the agent sent me 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 wife 's 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 wife and I will be subscribing 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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 15 USC 1681. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 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: FL

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 15 USC 1681. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to Identity Theft. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. I request the immediate removal or correction of the following accounts and/or information from my credit report

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The mistakes on my report are negatively impacting my scores and limiting my financial opportunities. Its unfair to be penalized for errors that have nothing to do with me, and Im extremely frustrated by the consequences.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX ( XXXX ) XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax Information Services, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial wellbeing. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened my XXXX  Checking account on XX/XX/year> in a BMO branch. I was able to log in to bmo.com and access my accounts later that day. The next day I was unable to log in. Online support was clueless, escalated the issue to tech support, and told me to wait XXXX business day for a response. After waiting 3 days, I never heard a word from tech support or anyone else. On XX/XX/year>, after having waited for more than 3 days for a response, I was still unable to log in until I selected " forgot password? '' and changed my password. 
===================== On XX/XX/year>, when my available balance was over {$7500.00}, I made an online request to do an ACH transfer of {$7500.00} to my verified external checking account at XXXX XXXX. The request was immediately rejected without explanation. An online supervisor could see no reason why the request was rejected and asked me to repeat the request while he waited on the phone. The XXXX request was also immediately rejected, without explanation. The supervisor escalated the issue to " tech support '' and recommended I wait XXXX business day for a response. I'm not going to sit around waiting for your " tech support '' to get around to looking into this issue. I want whatever is blocking my XXXX transfer requests to be removed, 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 2025-03-04 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: NY

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Do anything necessary to remove them form my report. Please..

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: EQUIFAX, INC.
State: DE

Complaint narrative:
HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
XXXX an 100 % XXXX Veteran, therefore I get paid XXXX a month. I have been banking with XXXX XXXX  for about XXXX XXXX. Each month I noticing that my balance is lower than I thought it should be. Around XXXX of last year ( 2024 ) I received a refund of approximately {$400.00} that did not reflect on my AVAILABLE balance. I spoke to a representative and his supervisor and after investigation using my Chime app we found that everything added up. This problem has been very persistent with the same outcome. Well a few days ago I realized that my available balance did not change after a refund or payment adjustment once refunded, and that the payment itself is deleted from my app transactions. After calling multiple times and speaking to multiple people, once they realize the error they hang up the call without giving me an explanation. I have been using Chimes payday loans after exhausting the overdraft limit which been $ 560 monthly that is deducted once I get paid. I noticed that my balance on my bank statements do not match what the balance and the availability I have on the app or what the representatives provide me. In the last two years Ive noticed at least {$3600.00} which includes the app stated they refunded but did not. Because they deleted refunds and it doesnt show the adjustments on the original charge, I cant calculate that. I have been struggling thinking someone has been stealing my money and its the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Dear CFPB Representative, I am a victim of identity theft, and I recently discovered a fraudulent account on my credit report that I did not authorize, open, or use. I am formally requesting an immediate investigation and removal of this fraudulent account from my credit file. 
Fraudulent Account Details : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Open Date : XX/XX/year> Balance : {$0.00} Monthly Payment : {$0.00} I never applied for, opened, or used this account. This fraudulent account is damaging my credit and must be removed immediately in compliance with the Fair Credit Reporting Act ( FCRA ). 

To support my claim, I have attached the following official documents : FTC Identity Theft Report Signed Identity Theft Affidavit I have also contacted the credit bureaus and the financial institution associated with this account to report the fraud. I kindly request that the CFPB take immediate action to investigate this matter and ensure the removal of this fraudulent account from my credit report. 
Please provide me with updates regarding the status of this dispute and any further steps required from my side.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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: 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: KY

Complaint narrative:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$5700.00}

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I am writing to formally escalate an issue regarding the misapplication of mortgage payments on the account associated with my late sons property. 

Since XX/XX/year>, I have repeatedly requested that all payments I make be consistently applied-directly to the mortgage balance rather than the principal. However, my requests have been primarily ignored or denied- I have had to repeatedly call and request to get payments reversed, despite my ongoing financial contributions to keep this loan current. Given that I am not legally responsible for this account but have been making payments in good faith, it is deeply concerning that Mr. Cooper is creating unnecessary barriers instead of facilitating proper payment application. 

Most recently, I contacted Mr. Cooper on XX/XX/XXXX and again on XX/XX/XXXX, reiterating my request as I noticed once again payments were being applied to principal. In response to my XX/XX/XXXX request, I was asked to provide proof of paymentsan unreasonable demand considering their institution already has direct records of the payments made. Even after I complied and submitted proof, I was informed that my documentation was not sufficient, and my request was denied. I asked to be enrolled in the biweekly payments program, and I was denied. I was told that when the account is not in default it could be, I told them the account wasnt in default a year ago when I requested it or months ago when I requested the same- and I said the account wouldnt show it was behind in payments, if they applied all payments to the mortgage and not principal. 

This pattern of obstruction is unacceptable. As a grieving parent striving to prevent this loan from defaulting, I expect cooperation, not resistance.

Company response to consumer: Closed with explanation