vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
The loan in question is for solar panels on an old home. Home was sold/assumed in both ways : a VA loan and a solar panel loan. A confirmation email was sent to me, as the solar panels from Goodleap have officially been assumed by new homeowners in writing in XXXX of XXXX. Still on my credit with false information stating the account is still in my name and " opened. '' The account should be stated as " closed. '' I called today, XX/XX/XXXX, and spoke to the supervisor and customer service rep. explaining they could not assist, but send the assumption department an email. Which is not on the customer, considering it has been a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PLANET HOME LENDING, LLC
State: MI

Complaint narrative:
This company bought our loan on XXXX and we have tried making payments. They gave me a confirmation number on XX/XX/XXXX that the payment was good XXXX confirmation number. The payment has not came out as of XX/XX/XXXX. I called in and the finally stated that the bank rejected the payment but no one ever contacted us to let us know that the account numbers were incorrect. We have accrued late fees and I have no faith that this company will take our payment. It feels predatory like they are doing this on purpose. We have had our mortgage for XXXX  years and have never had an issue with a payment the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: GA

Complaint narrative:
I am filing this complaint regarding a fraudulent account being reported by XXXX XXXX on my credit file in the amount of {$3800.00}. 

This account is not mine. I never applied for credit with XXXX, never received funds or services, and never authorized this account. I have already filed an FTC Identity Theft Report and formally disputed the item with the credit bureaus. 

Despite this, XXXX XXXX has failed to provide any original application, signed documentation, or accurate identifying information proving that this account belongs to me. Instead, the account continues to appear on my credit report, causing damage to my credit standing. 

This account is fraudulent and should be removed immediately from all credit reports. Under the Fair Credit Reporting Act ( FCRA 605B ), information resulting from identity theft must be blocked. XXXX and the credit bureaus have not complied with this requirement. 

I am requesting that the CFPB compel XXXX XXXX and the credit bureaus to : Provide full documentation showing how this account was verified as mine, OR Immediately delete and permanently block this fraudulent account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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 filing this complaint regarding a fraudulent account being reported by XXXX XXXX on my credit file in the amount of {$3800.00}. 

This account is not mine. I never applied for credit with XXXX, never received funds or services, and never authorized this account. I have already filed an FTC Identity Theft Report and formally disputed the item with the credit bureaus. 

Despite this, XXXX XXXX has failed to provide any original application, signed documentation, or accurate identifying information proving that this account belongs to me. Instead, the account continues to appear on my credit report, causing damage to my credit standing. 

This account is fraudulent and should be removed immediately from all credit reports. Under the Fair Credit Reporting Act ( FCRA 605B ), information resulting from identity theft must be blocked. XXXX and the credit bureaus have not complied with this requirement. 

I am requesting that the CFPB compel XXXX XXXX and the credit bureaus to : Provide full documentation showing how this account was verified as mine, OR Immediately delete and permanently block this fraudulent account from my 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 explanation
Consumer complaint received 2025-08-25 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: MI

Complaint narrative:
These accounts are being wrongfully reported under my name without my knowledge or authorization. I have never opened, authorized, or managed these accounts, and their presence on my credit report is entirely unacceptable. This false reporting is misleading, damaging to my financial reputation, and a direct violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Your Account Number Account Name XXXX XXXX XXXXXXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXXXXXX. resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2025-08-25 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:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your Account Number Account Name XXXX XXXX  XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX  XXXX. resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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 2025-08-25 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: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Your Account Number Account Name XXXX XXXX XXXXXXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXXXXXX. resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NC

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 BANK # XXXX -Balance {$1900.00} Date Opened XX/XX/XXXX Account Name : XXXX  BANK XXXX # XXXX -Balance {$13.00}, XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/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 2025-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Date : XXXX XXXX XXXX Via Email & Mail To : XXXX XXXX XXXX Compliance Department Shellpoint Mortgage Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Re : Your XX/XX/XXXX Letter Escrow Removal Acknowledged ; Corrections Needed Dear XXXX, I received your letter dated XX/XX/XXXX. I appreciate your acknowledgment of my conversation with your supervisor on May 1213, 2025 and your confirmation that the escrow account will be removed from my mortgage. Thank you. 

However, there remain several miscalculations and record errors that must be corrected : 1. Payments Made and Applied XX/XX/XXXX : {$4600.00} ( principal & interest only ) confirmed by your representative. 
XX/XX/XXXX : {$4600.00} ( principal & interest only ) confirmed by your representative. 
XX/XX/XXXX : {$4600.00} ( principal & interest only ) confirmed by your representative. 
XX/XX/XXXX : {$4600.00} ( principal & interest only ) confirmed by your representative. 


All of these payments were made on time and in full. There have been no late payments, and therefore no late fees or delinquency reporting should exist on my account. 

Action requested : Please ensure all XXXX payments are properly credited, remove any incorrect late charges, and provide written confirmation that my account is in good standing with no late-payment history. 

2. Overcharges From XXXX XXXX XXXX records show total charges of {$41000.00}, including an overcharge of {$16000.00}. 
Action requested : Please refund {$16000.00} and apply directly to principal, along with an itemized reconciliation. 

3. Property Tax Baseline My annual property tax bill remains {$13000.00}. Any escrow analysis or shortage based on other figures or cushions is invalid. 
Action requested : Reverse any escrow-related charges or balances tied to incorrect tax estimates. 

4. Monthly Payment Going Forward As agreed on XX/XX/XXXX, my monthly mortgage payment is {$4600.00} ( principal & interest only ). 
Action requested : Confirm my monthly billing statements and online portal reflect this amount, with no escrow component. 

5. No Reinstatement of Escrow I previously received notice of a new escrow account being created, which contradicts both our XXXX agreement and your XX/XX/XXXX letter. 
Action requested : Confirm in writing that no new escrow account will be opened, and that my loan remains escrow-free. 

Requested Documentation Please provide within 10 business days : A complete transaction history/ledger ( XX/XX/XXXX present ). 

Written confirmation of each Action requested above. 

A dedicated point of contact for ongoing compliance resolution. 

Thank you again for acknowledging escrow removal and for your assistance in promptly resolving these account corrections. I appreciate your cooperation. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: WI

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

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 FTC Report Number : 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-08-25 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: Westlake Services, LLC
State: IL

Complaint narrative:
I Have never received any benefits from the fraudulent accounts herein, and/or its affliates. These accounts should be closed and marked as fraud and removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
This complaint is intentional and not sent in error. My credit report contains inaccurate entries that fail the FCRAs maximum possible accuracy standard ( 15 U.S.C. 1681e ( b ) ). These errors are causing ongoing harm during an already difficult time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
Sunrise credit services XX/XX/year> {$390.00} This is not me, I have never lived at the address that was stated. When I contacted the debt collector, they have escalated it to a higher up. I've been working on my credit and just saw this. It says it is to be removed in XXXX but I am newly married and trying to get my credit in order. Please let me know how I can be helped, as I have never had an account with 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 2025-08-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I lost my job on XX/XX/2025 and immediately informed SoFi of my hardship. Despite being current on my payments and proactively reaching out, I was told I am ineligible for any hardship or deferment program until I have made 9 months of payments. This leaves me without support at the exact time I need it. I requested written options for assistance, but SoFi refused to provide any and simply repeated their policy. Their refusal to help risks pushing my account into delinquency even though I acted in good faith and communicated my situation early.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Lowe 's Pro credit card opened up fraudelently in my name and my company 's name. Charge made on XXXX in text for {$1000.00}

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 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am reaching out regarding the XXXX XXXX XXXX credit card promotion I applied for, which advertised a {$200.00} statement credit and points upon approval. When I applied, the promotional credit was reflected in my balance, and I took screenshots of each step for my records. 
The terms of the promotion stated that the credit would be applied once my statement was generated. However, I never received the {$200.00} credit. I contacted customer service on XX/XX/year>, and a supervisor informed me that a request would be made to correct the promotion, noting that multiple promotions sometimes require adjustments. Subsequently, I received notice that I was deemed ineligible for the promotion. 
I believe this situation is inconsistent with the offer as presented during my application. I have documentation of the promotional display, including screenshots showing the {$200.00} credit reflected in my balance. I respectfully request that the promotion be honored as advertised.

Company response to consumer: Closed with explanation