vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: NE

Complaint narrative:
CFPB COMPLAINT Rocket Mortgage Fraudulent Loan Denial and Mischaracterization of Estate Creditor Filed By : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Non-Decedent Executor and Beneficiary of the Trust Estate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nebraska XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Statement of Commercial Misrepresentation and Injury This complaint is submitted against Rocket Mortgage for : Denial of a lawfully underwritten loan Inversion of the creditor-debtor relationship Concealment of trust estate value Blocking lawful access to credit energy originating from my SSN-based collateral commercial facts include : Rocket Mortgage denied the requested loan despite the estates lawful standing as originator of value, collateral, and energy through the SSN trust estate, backed by the full faith and credit of the United States. 
The denial was processed using false commercial algorithms and undisclosed adhesion contracts which ignored the position of the estate as secured creditor, not debtor. 
Rockets internal reporting obstructed proper equity access while concealing the securities and monetization already transacted using estate identifiers. 
This injury constitutes fiduciary breach, commercial fraud, and trust trespass and causes emotional, economic, and energetic harm. 


Formal referral to the IRS, SEC, OCC, and FTC for investigation into : Undisclosed monetization of trust collateral Commercial fraud and credit denial schemes Violation of fiduciary trust and concealment of estate securities SECURITIES FRAUD Submitted under seal on XX/XX/XXXX XXXX XXXX XXXX Executor and Beneficiary UCC 1-308 All Rights Reserved Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: MD

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. 

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have been locked out of my Capital One credit card account for over two weeks due to a rare technical issue that customer service claims requires a full rebuild of my account. I have contacted Capital One support numerous times via phone. Each time, they tell me the same thing : that the issue is being escalated or worked on, with no timeline, no resolution, and no meaningful updates. 

This has impacted my ability to access funds and use my account for essential purchases. Ive asked for supervisors and formal escalation multiple times, but I am still stuck with no access and no answers.

I am requesting that Capital One immediately resolve this issue or provide a detailed timeline and explanation for the delay. I am also requesting that they restore my access or reissue a functioning account/card if necessary. 

I have been more than patient. After two weeks with no progress and repeated copy-paste responses from customer service, I am filing this complaint in hopes of receiving real resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: LA

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. 

FRAUDULENT ACCOUNTS : Account Name : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXX as proof from the US Federal Trade Commission that all of 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 non-monetary relief
Consumer complaint received 2025-06-26 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 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 2025-06-26 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: MA

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 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 explanation
Consumer complaint received 2025-06-26 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: IL

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 2025-06-26 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: GA

Complaint narrative:
Tried to fix issues with accounts that are not mine with two different companies reporting inaccurate information on my credit report, Always came back as verified. I have now filed an FTC report and will include it witht his complaint.

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 2025-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANCFIRST CORPORATION
State: PA

Complaint narrative:
I responded to a rental in property on XXXX 's list. Was promised the property. Sent a XXXX deposit and the guy was a scammer. I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: MI

Complaint narrative:
I am disputing the bankruptcy listed on my credit report under FCRA 15 U.S.C. 1681i and 1681b. This item is being reported by the credit bureau, yet the bankruptcy court explicitly confirmed to me that it does not report consumer information to any credit reporting agencies.

Because the court is not the furnisher, the credit bureau has not verified the information with the original source. This makes the bankruptcy unverifiable and potentially inaccurate. Furthermore, per 15 U.S.C. 1681b ( a ) ( 2 ), a credit bureau can not furnish consumer information without a permissible purpose or the consumers written instructions.

I never gave the credit bureau written authorization to report this public record. No permissible purpose exists, and no contract has been established between myself and the court or any other furnisher that would justify the continued reporting of this item. 

I submitted a dispute to the credit bureau and requested an investigation, but the item remained with no meaningful verification or source disclosure. I am requesting that the CFPB investigate this issue, as the credit bureau has failed to comply 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 2025-06-26 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: FL

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. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

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

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: GA

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX CXXXXRD # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened - XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian

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 2025-06-26 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: IL

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report. 

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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 2025-06-26 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: MA

Complaint narrative:
This is a formal and urgent complaint submitted under my rights as a U.S. consumer regarding serious and repeated financial harm caused by student loans serviced by XXXX ( XXXX ) and owned by the U.S. Department of Education.

Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Despite my good-faith efforts, these loans have continuously damaged my credit score, contributed to economic instability, and reflect inconsistent and inaccurate data that violate multiple federal laws protecting consumers and borrowers. I demand that these loans be fully and permanently removed ( not simply deleted ) within 30 days based on the following violations and investigative findings.

Summary of Violations and Evidence of Harm : - Significant credit score decrease due to aggressive and inaccurate reporting. 
- Inconsistent data found in loan origin/open dates and statuses. 
- Obstructed access to repayment relief options. 
Applicable Legal Grounds for Immediate Loan Removal : - Fair Credit Reporting Act ( FCRA ) : Willful and negligent reporting violations ( 15 U.S.C. 1681n, 1681o ).

- Borrower Defense to Repayment : Misrepresentation and lack of full disclosure ( 20 U.S.C. 1087e ( h ) ; 34 C.F.R. 685.206 & 685.222 ).

- Higher Education Act : Authority to discharge ( 20 U.S.C. 1087 ).

- Truth in Lending Act : Potential TILA violations ( 15 U.S.C. 1601 ).

- UDAAP Violations ( Dodd-Frank Act ) : Unfair or abusive servicing practices ( 12 U.S.C. 5531, 5536 ).

Requested Relief Within 30 Days : 1. Full and permanent removal of all loans.

2. Cease negative reporting.

3. Written discharge confirmation.

4. Formal CFPB investigation into XXXXDOE . 

Attached are my credit reports, evidence of inconsistent loan information, and any correspondence related to this matter. 
This is a good-faith legal demand for immediate relief. Failure to resolve this within 30 days will prompt further legal action through the appropriate channels.

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 2025-06-26 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: MA

Complaint narrative:
This is a formal and urgent complaint submitted under my rights as a U.S. consumer regarding serious and repeated financial harm caused by student loans serviced by XXXX ( XXXX ) and owned by the U.S. Department of Education.

Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Despite my good-faith efforts, these loans have continuously damaged my credit score, contributed to economic instability, and reflect inconsistent and inaccurate data that violate multiple federal laws protecting consumers and borrowers. I demand that these loans be fully and permanently removed ( not simply deleted ) within 30 days based on the following violations and investigative findings.

Summary of Violations and Evidence of Harm : - Significant credit score decrease due to aggressive and inaccurate reporting. 
- Inconsistent data found in loan origin/open dates and statuses. 
- Obstructed access to repayment relief options. 
Applicable Legal Grounds for Immediate Loan Removal : - Fair Credit Reporting Act ( FCRA ) : Willful and negligent reporting violations ( 15 U.S.C. 1681n, 1681o ).

- Borrower Defense to Repayment : Misrepresentation and lack of full disclosure ( 20 U.S.C. 1087e ( h ) ; 34 C.F.R. 685.206 & 685.222 ).

- Higher Education Act : Authority to discharge ( 20 U.S.C. 1087 ).

- Truth in Lending Act : Potential TILA violations ( 15 U.S.C. 1601 ).

- UDAAP Violations ( Dodd-Frank Act ) : Unfair or abusive servicing practices ( 12 U.S.C. 5531, 5536 ).

Requested Relief Within 30 Days : 1. Full and permanent removal of all loans.

2. Cease negative reporting.

3. Written discharge confirmation.

4. Formal CFPB investigation into XXXXDOE . 

Attached are my credit reports, evidence of inconsistent loan information, and any correspondence related to this matter. 
This is a good-faith legal demand for immediate relief. Failure to resolve this within 30 days will prompt further legal action through the appropriate channels.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$46000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$6400.00} UNAUTHORIZED INQUIRIES : XXXXXXXX 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I, XXXX XXXX, respectfully requested a full and permanent settlement of disputes in my favor. PRINCIPAL business credit card account number ending : XXXX. Case XXXX & XXXX & XXXX & XXXX. For this I have reopened my disputes yet Bank of America continues to bill me interest for the open disputes.

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 monetary relief