vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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:
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 2025-09-25 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: NJ

Complaint narrative:
Credit reporting / Incorrect information on credit report Complaint Narrative I am filing this complaint against XXXX for failing to properly verify and validate an account they are reporting under my name. 

I have disputed this account with XXXX XXXX times. Despite my repeated requests, they have not provided legitimate documentation to prove that this debt is valid and accurately reported. Instead, XXXX continues to respond with vague or automated verified statements without providing the original documentation required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Specifically, XXXX has failed to provide : 1. A copy of the original signed promissory note.

2. A full account/payment history with all transactions, interest, and fees.

3. The method of verification used to confirm this account.

4. A resolution of inconsistencies across credit bureaus. 

Because XXXX continues to report unverifiable information, this account is damaging my credit profile and causing ongoing harm. This is a direct violation of the FCRA, which requires accurate reporting and obligates furnishers to properly investigate disputes. 
Desired Resolution : Immediate removal of this unverifiable account from all three credit reporting agencies ( Equifax, XXXX, and XXXX  ). 
Written confirmation from XXXX that the account has been deleted. 
Assurance that no further inaccurate information will be reported in the future. 

I respectfully request the CFPBs assistance in compelling XXXX to comply with federal law and correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NJ

Complaint narrative:
Credit reporting / Incorrect information on credit report Complaint Narrative I am filing this complaint against XXXX for failing to properly verify and validate an account they are reporting under my name. 

I have disputed this account with XXXX four times. Despite my repeated requests, they have not provided legitimate documentation to prove that this debt is valid and accurately reported. Instead, XXXX continues to respond with vague or automated verified statements without providing the original documentation required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Specifically, XXXX has failed to provide : 1. A copy of the original signed promissory note.

2. A full account/payment history with all transactions, interest, and fees.

3. The method of verification used to confirm this account.

4. A resolution of inconsistencies across credit bureaus. 

Because XXXX continues to report unverifiable information, this account is damaging my credit profile and causing ongoing harm. This is a direct violation of the FCRA, which requires accurate reporting and obligates furnishers to properly investigate disputes.

Desired Resolution : Immediate removal of this unverifiable account from all three credit reporting agencies ( XXXX, Experian, and XXXX  ). 
Written confirmation from XXXX that the account has been deleted. 
Assurance that no further inaccurate information will be reported in the future. 

I respectfully request the CFPBs assistance in compelling XXXX to comply with federal law and correct this matter.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions 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.

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 2025-09-25 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: FL

Complaint narrative:
This is now the third round of disputes I have filed regarding a fraudulent account reported on my credit files with Experian, TransUnion, and Equifax by XXXX XXXX XXXX ( Account XXXX XXXXXXXX ). 

The account was opened on XX/XX/2020, reports a current balance of {$14000.00}, and is listed as Charged-Off/Profit and Loss Write-Off. Despite my prior disputes and submission of my FTC Identity Theft Report XXXX XXXX XXXXXXXX ), the credit reporting agencies and XXXX have failed to comply with the Fair Credit Reporting Act ( FCRA ). 

I did not authorize or open this account. I am a documented victim of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block all information resulting from identity theft once proper documentation is provided. They have failed to block or delete this fraudulent account.

Additionally, under FCRA 1681i, the credit bureaus are required to conduct a reasonable reinvestigation and delete unverifiable or inaccurate information. After XXXX rounds of disputes, the account remains, showing that no proper reinvestigation has been conducted. 

This ongoing reporting of a fraudulent account has caused significant harm to my credit, including denial of financial and housing opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
This is now the third round of disputes I have filed regarding a fraudulent account reported on my credit files with Experian, TransUnion, and Equifax by XXXX XXXX XXXX ( Account XXXX XXXXXXXX ). 

The account was opened on XX/XX/2020, reports a current balance of {$14000.00}, and is listed as Charged-Off/Profit and Loss Write-Off. Despite my prior disputes and submission of my FTC Identity Theft Report XXXX XXXX XXXXXXXX ), the credit reporting agencies and XXXX have failed to comply with the Fair Credit Reporting Act ( FCRA ). 

I did not authorize or open this account. I am a documented victim of identity theft. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block all information resulting from identity theft once proper documentation is provided. They have failed to block or delete this fraudulent account.

Additionally, under FCRA 1681i, the credit bureaus are required to conduct a reasonable reinvestigation and delete unverifiable or inaccurate information. After XXXX rounds of disputes, the account remains, showing that no proper reinvestigation has been conducted. 

This ongoing reporting of a fraudulent account has caused significant harm to my credit, including denial of financial and housing opportunities.

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 2025-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Earlier this year I began receiving statements for an IRA that I did not recall opening. I called to ask about the origin, suggesting it might be a rollover from a previous company that I had forgotten about. Several months of communication and no information it was flagged as fraud despite my objections. I simply wanted to understand the origin, I was not even attempting to withdraw funds. I verified my identity via notarized documents. The account was closed in XX/XX/XXXX. As of today, XX/XX/XXXX, BMO finally reached out and said the funds have been sent to unclaimed property despite them having direct contact with me-verified. This has been several hours of frustration, calls, and lack of accountability and follow through on the fault of BMO. I encourage them to open an investigation and review my endless hours of calls trying to resolve this. I have searched all unclaimed property databases, again confirming my identity, and there are no unclaimed funds to be found. The account is in excess of {$1000.00}. They refused to provide me any documentation that I can provide to the IRS that these funds were NOT distributed.

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 2025-09-25 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: NV

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 2025-09-25 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: EQUIFAX, INC.
State: NV

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: CBC Companies, Inc.
State: CA

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 2025-09-25 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: Regional Management Corporation
State: TX

Complaint narrative:
I reached out to the company on XX/XX/year> in regards to an account from their office reporting to my credit reports. This company did not take better actions in verifying the identity of who opened the account. They will not comply and keep harassing me. I do have fraud and identity theft reporting and provided documentation to all 3 major credit bureaus. I am a victim of identity theft. I will not tolerate the harassment from the company and will move forward with authorities and legal proceedings as well if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NY

Complaint narrative:
I requested a debt validation, a chain of title, original creditor details, and assignment contract ( none of which was provided ) and I asked that it would be permanently removed off 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 2025-09-25 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  Sc, XXXX XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SD XXXX Re : Cease and Desist Notice under 15 U.S.C. 1692c ( c ) Account Number : XXXX To Whom It May Concern : This letter serves as my formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), demanding that you immediately cease all communication with me regarding the above-referenced account.

This account is closed, reflects a {$0.00} balance, and is reported as paid or paying as agreed. Therefore, there is no legal or valid basis for continued collection attempts or communications.

As required by 15 U.S.C. 1692c ( c ), you are prohibited from further contacting me except to : 1. Confirm that collection efforts are being terminated, 2. Notify me that you may invoke specific legal remedies, or 3. Notify me that you intend to invoke a specific legal remedy. 

Any attempt to contact me outside of what is explicitly allowed under the FDCPA will be treated as a violation of federal law. Additionally, any attempt to misreport or inaccurately furnish information to the credit reporting agencies will be considered a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

Please provide written confirmation that you have received this notice and will comply with my request. 

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 2025-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
In XXXX, my mortgage holder, Rocket Mortgage conducted an annual assessment of my escrow. In their letter they stated there was an insufficient amount and wither I can pay the annual lump sum of {$4600.00} to cover or have amount annualized throughout the year. This would raise my monthly payment from {$2500.00} to approximately {$3100.00}. I paid the {$4600.00}. In my conversation with Rocket Mortgage in XXXX, the one-time payment would keep my monthly payment at the current amount. 
Earlier this week I received a letter from Rocket Mortgage stating my mortgage would increase next month by some {$270.00} per month from the same analysis performed in XXXX. I demanded to speak to a supervisor. They stated there would be a supervisory review and they would contact me. That has not happened. They acknowledge of the {$4600.00}, but are raising the payment any way.

Company response to consumer: Closed with explanation