23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Equifax for failing to correct inaccurate information on my credit report despite clear evidence supporting its removal. This issue violates my rights under the Fair Credit Reporting Act ( FCRA ) and relevant Texas state consumer protection laws. 

Key Points of 15 U.S.C. 1681e ( b ) - Accuracy of Report Duty of Accuracy : Consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they provide in consumer reports.

Purpose : This ensures that the information contained in credit reports is fair, accurate, and reflective of the consumers true financial status.

Reasonable Procedures Standard : The law does not require absolute perfection but mandates that agencies take reasonable steps to avoid errors.

Liability : If a consumer suffers harm due to inaccurate information caused by negligent or willful non-compliance with this standard, the consumer reporting agency may be held legally responsible. 

Summary of Dispute and Violation On XX/XX/2025, XXXX completed their investigation into disputed accounts that I had previously identified as inaccurate and erroneous. XXXX determined that the following accounts were indeed incorrect and removed them from my credit file : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Both accounts were deleted from my XXXX report, confirming their invalidity. However, Equifax continues to report these accounts despite being presented with the same evidence that resulted in their removal by XXXX. 

Violation of My Consumer Rights Equifaxs failure to remove these erroneous entries violates the following consumer protection laws : XXXX. Fair Credit Reporting Act ( FCRA ), Section 611 Under this law, credit bureaus are required to conduct a reasonable investigation when a consumer disputes inaccurate information. Equifaxs failure to remove these accounts after a thorough review by XXXX demonstrates a failure to meet this legal obligation. 
XXXX. FCRA, Section 623 Data furnishers must ensure they provide accurate information to credit bureaus. Since XXXX has already verified these entries as inaccurate, Equifax is now knowingly reporting false information. 
XXXX. Texas XXXX XXXX XXXX XXXX XXXX XXXX Texas law, consumers are protected from credit bureaus reporting inaccurate information without proper investigation.
Product: Credit reporting or other personal consumer reports

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. 
and I am Seeking Help From the CFPB to DELETE all unauthorized Accounts. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.
Product: Consumer Loan

Mercedes Benz Financial Services ( MBFS ) has refused to refund an overpayment to my account in the amount of {$300.00}. The payment was made XX/XX/XXXX while I was in the process of transferring my lease. Along with the paperwork for the lease transfer, MBFS required what would be my final payment, due on XXXX XXXX, XXXX, and so I sent them a check, which MBFS cashed. While the lease transfer paperwork was being processed, and as the XXXX XXXX due date approached, MBFS left multiple messages on my phone asking that I send in my XX/XX/XXXX payment. Not wishing to derail the lease transfer at the expense of the transferee, I logged into my MBFS account and made an electronic payment of {$300.00}. Thus, I made 2 payments for XXXX XXXX, and figured that MBFS would refund the overpayment, and indeed, its representative said I had a refund due when I called XX/XX/XXXX to check the status of my refund. I was troubled during that call because it took MBFS an inordinate amount of time to locate my account. When XX/XX/XXXX arrived and no refund had arrived, I called MBFS again, and it took them at least half an hour to find my records, as it appears that my account has been virtually deleted from their system. That phone call lasted well over XXXX minutes, and I was placed on hold during much of it. MBFS eventually informed me that because the account is no longer in my name, any money that is due to me must be paid to me by the person who took over my lease. That is not correct, because the overpayment was made while the account was still in my name, and therefore it is MBFS that improperly kept my money and must refund it. The lease transfer was complete as of XXXX XXXX, XXXX, and my check was presented on XXXX XXXX, XXXX, with the electronic payment having been made on XXXX XXXX, XXXX. Proof of these payments will be attached. In any event, the transferee of my lease is an innocent bystander and should not be troubled by any of this.
Product: Mortgage

PLEASE HELP ME!!!! I am being discriminated I believe I am an existing customer with US Bank HOME loan XXXX, about 2 month ago I had started working with XXXX XXXX in order to refinance my loan with cash out option of XXXX mill NEW LOAN XXXX, My loan has been declined several times After having no luck getting clarity of how my DTI/PTI income and expenses are being calculated, I had escalated the issue to her XXXX XXXX XXXX and his Boss XXXX XXXX I had asked XXXX to assign a new Loan Officer, he had refused to do so and he had been covering up lies from XXXX. XXXX and XXXX for weeks had refused to provide any details and were declining my loan stating I did not qualify for it when I had confronted them several times I was accused of being a bully. When I asked for transparency to see the numbers they had refused to provide them to me, again I was very cooperative and provided all the docs that are needed but they had refused to consider them even for a straight out refi without cash out. Earlier last week XXXX called me and started to go over my Income, then I found out that multiple discrepancies such as : 1. income from rental home was ignored 2. 1099 income from XXXX XXXX fund and XXXX XXXX was ignored 3. My wife has XXXX jobs, one of them from Dr.Yesin was ignored 4. College loan for my son instead of XXXX per mo. payment XXXX was used When I confronted XXXX about discrepancies and asked him to provide the total breakdown of XXXX in writing via email or XXXX to my home he started to yell at me and later promised to share them which he never did. XXXX then proceeded to call me several times this week and started to threaten me, he promised to me that I will never get my loan approved and called me several profanities. I had received a letter today from US BANK that include false reasons to decline my loan which are both COMPLETE LIES : - INCOME INSUFFICIENT FOR AMOUNT OF CREDIT REQUESTED -UNABLE TO VERIFY INCOME 1. Where is the breakdown for my XXXX that I had been requesting for over 1 month for cash out refi vs straight refi scenarios that I can review? 2. What does it mean unable to verify income? What income are you not able to verify? XXXX. Why additional income : from my wife 's job XXXX XXXX, 1099 from XXXX and XXXX debt fund was no used even though paystubs and statements were shared? 4. Why mo. payment from my sons ' college was used incorrectly with XXXX mo. payment vs XXXX that was used, even though statement was shared? I believe I quality for the refinance loan and ask to be treated fairly. Please help me and reach out to me if you have any questions.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan and was required to submit a photo of my drivers license and a photo of me holding my drivers license. They called me back and told me I had to come in to a location. I asked why and the woman on the phone said " are you transitioning? '' I said what does that have to do with any of this. She asked me again and I said it doesn't matter if I was but no. Then she said " Really? you aren't transitioning? because the photo on your drivers license and the photo you send look very different. '' I told her I could take another photo of me not wearing a hat, but just because I have short hair doesn't mean I am transitioning. Also the photo on my drivers license looks the exact same ( hair etc. ) the only difference between the two is that I am wearing a hat in the photo I took this morning of me holding my drivers license. They told that they wouldn't approve unless i came into a location to prove i wasn't transitioning. Requiring me to come into a location to prove that I am not transitioning in order to be approved for a payday loan raises serious legal and ethical concerns. The Equal Credit Opportunity Act prohibits discrimination against credit applicants on the basis of sex, gender identity and sexual orientation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i was notified of a credit issue / found that a New bankruptcy was put on my credit report from Discover / XXXX XXXX XXXX. they both had reported me late and wage earner plan chapter XXXX. / chapter XXXX   was filed in XX/XX/XXXX they was only notified Discover closed my account in XX/XX/XXXX and reported me late and discharged through bankruptcy.

i reported them as inaccurate. I had a XXXX balance at the time that i filed in XX/XX/XXXX. owed no money. i was never late on any payments now. 2 years later they put me down for a new bankruptcy and added 2 more years XX/XX/XXXX to get it off. They were not a part of my repayment plan. My chapter XXXX  case closed in XX/XX/XXXX. paid in full / Paid TD loan off was never late and was not part of the chapter XXXX i paid on time outside of my plan. This has been misreported from the beginning and i cant seem to fix the errors on my own.I need some help. Recap i never owed Discover any money never late and never was discharged under chapter XXXX/ XXXX paid in full on time never put in chapter XXXX bankruptcy. Both reported me to the three main credit company On XX/XX/XXXX as delinquent account
Product: Credit reporting or other personal consumer reports

The actions that were taken was notifying Experian and XXXX with letters asking for information and procedure use to determine that the bankruptcies were accurate on my credit report. How can I possible have two bankruptcies in the same year ( XXXX XXXX and one in Florida. I am a Georgia resident, that should've been a red flag for you. I wrote Experian and XXXX numerous times concerning inaccurate on my credit report. I WILL receive a letter stating that it has been verified but how???? And never receive what I am asking such as the procedure, phone numbers, phone number and who they talk with, etc. Never received such information from Experian and XXXX. Second step, I have reached out to XXXX XXXX ( CEO ) of XXXX and the Ceo of Experian concerning my issues with each company and their process of handling my situation. I reached out to Experian and XXXX again and the same thing, it's been verified. Experian and XXXX informed me that the bankruptcy court filed the bankruptcy and after reaching out to the Bankruptcy Court. I was informed that they don't have time to report information of such to any agency. I have enclosed all my contacts with the Bankruptcy Court, the credit bureaus and the CEO of Experian and XXXX. As a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my wallet was stolen and cause all these issues in my life and Experian and XXXX has been a pain for individuals like myself, when identity theft and fraud take place in your life. I have alot of inaccurate information on my credit report from Experian and XXXX, and its like pull teeth with both of them company. I was writing congress concerning the issues that has took place with these companies ( Experian and XXXX ). I hope you can help me
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of XXXXXXXX XXXX XXXX XXXX  ( NEGATIVE account # XXXX ) from my credit report due to several discrepancies. I have disputed these errors since XXXX, and under the Fair Credit Reporting Act ( FCRA ), if they are not corrected within 30-45 days, they must be removed. Since we are well past this timeframe, I am requesting a deletion due to these errors. 

||**Credit Limit : Reported as {$7000.00} by XXXX and Experian XXXX but {$0.00} by XXXX. 

||**Date Opened : Inconsistent dates with XX/XX/XXXX reported by XXXX and XX/XX/XXXX reported by Experian and XXXX. I am requesting the exact month, day, and year of the date opened. I will NOT accept only the month and year. If you can not provide this information, please DELETE. 

||**Date of Last Payment : Reported as XX/XX/XXXX by XXXX and Experian XXXX and XX/XX/XXXX by XXXX. I am requesting the exact month, day, and year of the last payment received. I will NOT accept only the month and year. If you can not provide this information, please DELETE. 

The persistent inaccuracies and failure to correct them within the legally required timeframe constitute a violation of the FCRA. The continued presence of this incorrect information is unfairly damaging my credit score and financial standing. 

Given these points and the unresolved discrepancies, I request that the credit bureau delete the entire account from my credit report immediately. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

Wells Fargo, thru Early Warning Systems, reported me to SSA as owner of three XXXX business accounts for the XXXX XXXX XXXX XXXX XXXX stating that I had under reported my assets. Consequently, Social Security Administration declared that I had been over paid the amount of money in the three accounts and withheld XXXX $ a month from my Social Security check for nearly FIVE YEARS> Wells Fargo discovered their MISTAKE in XXXX but did not inform me or Social Security until XX/XX/XXXX. The letter that Wells Fargo submitted to SSA was declared NOT SUFFICIENT for Social Security to return the money they withheld because of the false debt that Wells Fargo created in my name. I have been pleading with both Social Security and Wells Fargo to return the money to me. The willful reporting of me as owner of those accounts rather than just a co signor by Wells Fargo created years of hardship and lack, and their refusal to do the right thing has exacerbated my XXXX XXXX XXXX XXXX over and over again, each month as I had to decide whether to pay the bills and forego buying groceries and doing laundry, or any other scheme to offset the debt that's falsely assigned to me and then denied by Wells Fargo for the past 6 years. It is only since XX/XX/XXXX that they have even admitted any responsibility in creating this hardship for me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a formal dispute letter to TransUnion under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate information on my credit report. I included all required documentation, including a copy of my credit report with highlighted disputes, and my proof of identity. 

Before that, I also submitted an online dispute, but TransUnion failed to conduct a meaningful reinvestigation. I received a generic verification response, but no supporting documentation or actual correction of the reported issues violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

The unresolved and inaccurate information includes : Incorrect personal information My credit report lists name variations and addresses that are outdated and not associated with me.

Unauthorized hard inquiries Including but not limited to
entries I did not initiate or authorize, which is a violation of 15 U.S.C. 1681b ( f ). 

Inaccurate account data Specifically, XXXX XXXX is reporting late payments I never made, and XXXX XXXX accounts show charge-offs with inconsistent balance and status data. 

TransUnion has not complied with their legal duty to reinvestigate and respond within the 30-day period. I am requesting CFPB intervention to ensure this matter is properly resolved under FCRA regulations.
Product: Mortgage

We have our current home V.A .mortgage through Sun West Mortgage Company . Back on XX/XX/2020 we requested a cash out refinance with SWMC. Our loan officer assured us this process would be seamless as we are existing customers. No credit check for existing customers ( wrong ) minimal cost ( wrong ) Quick process ( wrong ). After dozens of phone calls, emails, document chasing and 5 + months they ( SWMC ) tell us of a problem with a credit repair program we are using. Back in XXXX my wife was temporarily laid off ( due to covid ) so we called this company and asked to defer XXXX 's payment. They understood the circumstance and the payment for XXXX was not made. SWMC claims that the underwriters do not accept the missed payment and on XX/XX/2020 declined the loan. Now I understand the V.A. may have some ridiculous policy that requires no missed payments but we really believe SWMC should have brought this to light back in XXXX. Nothing at all was discussed regarding the missed payment until XX/XX/XXXX. On at least 3 occasions the loan officer told us that we would be closing before the next month, even to the point of signing a final agreement. My wife and I constantly called and emailed the loan officer and usually calls took weeks to return. We feel that we were treaty poorly and unprofessionally though out this entire process. If there was truly a problem with one missed payment they should have told us months ago. We've had to cancel home improvement plans as well as plans to sell our home when the market was in our favor. We could have been spending the last 4 months with another lender if we knew the outcome of this agreement. We most certainly were misled and feel this behavior is unacceptable by any lender. 5 months for a refusal is ridiculous. Thank you for your time on this matter. P.S. The photo attached is a time line with the exception of the termination date of XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute a collection account that appears on my XXXX credit report but does not appear on my other credit reports ( e.g., Equifax or XXXX ) XXXX I believe that this entry is either inaccurate, incomplete, or misreported, and I respectfully request that it be investigated and removed if it can not be properly verified. Details of the disputed account : Creditor/Collection Agency : XXXX  Account Number : # XXXX Reported Balance : {$1600.00} Date of Collection : XXXX  This account does not appear on my credit reports with any other credit bureaus. Given that the other bureaus do not list this account, I believe there may be an error or inconsistency with the reporting of this account to XXXX. Relevant consumer laws : Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. You are required by law to investigate and resolve any such disputes within 30 days. Additionally, according to Section 1681i of the FCRA, if you can not validate or verify the accuracy of this account after conducting your investigation, you are required to remove the entry from my credit report. Request for Action : I respectfully request the following : 1. A thorough investigation of this collection account. 2. Verification of the accuracy of this account. 3. If you can not verify the account, I request that this collection be removed from my XXXX credit report. Please provide me with a written response detailing the outcome of your investigation. I also request that you send me an updated copy of my XXXX credit report reflecting any corrections made. Thank you for your prompt attention to this matter. I look forward to your response within the 30-day investigation period mandated by the FCRA.
Product: Credit reporting or other personal consumer reports

IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information, pursuant to, The Privacy Act of XXXX is a federal law that protects individuals from the misuse of their personal information by the federal government. The act & # 39 ; s main goals are to balance the government & # XXXX, XXXX need for information with the rights of individuals to privacy. 
The Privacy Act of XXXX XXXX Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information. 
Requires notice : Agencies must notify the public of their record systems. 
Requires consent : Agencies can not disclose an individual & # XXXX ; XXXX record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.
Product: Credit card or prepaid card

My Cash App account was closed 4 months ago because Cash app refused to properly handle a Dispute On this morning I checked my Cash Account it was closed I contacted Cash App only to be told I violated terms of there Service and no further action would be taken and that she was not allowed to give me Violation results and hung up
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute this account multiple times. I have never had a account with this company
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Thank you for addressing some of the accounts that incorrectly appeared on my credit report. 

However, please take note that I continue to unequivocally dispute the remaining items that have yet to be deleted. 

These accounts are inaccurate and incomplete. They are having a MAJOR NEGATIVE IMPACT on me being able obtain credit right now and that is not acceptable. 

As provided for under the Fair Credit Reporting Act ( " FCRA '' ), consider this letter my request that you reinvestigate the following accounts and delete them from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting

Lexis Nexis, on or about XXXX XXXX XXXX, reported inaccurate information on a consumer report they provided to the Office of Personnel Management. Report prepared was a consumer report under 15 USC 1681a ( 603d ) because it was a written communication, prepared in the ordinary course of business, containing information bearing on my credit capacity, character, or general reputation, known to Lexis to be used for employment or determination of credit worthiness. 
Lexis reported that I was late on my mortgage in XX/XX/XXXX and XX/XX/XXXX ( Account reported as XXXX. That is inaccurate information. At least XXXX of the XXXX NCRAs report this account as having never been late. Further, when I filed a previous complaint, XXXX, the relevant company denied reporting any prior late payments. 
Bottom line, Lexis prepares consumer reports in the ordinary course of business and, therefore, under the FCRA, they are required to take steps to ensure maximum accuracy. Because XXXX of XXXX NCRAs report XXXX on-time payments for this account, Lexis was reasonably on notice its information was inaccurate and failed to take steps to ensure maximum possible accuracy.