vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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:
To : XXXX XXXX XXXX XXXX : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for {$4600.00} from XXXX / XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 

Thank you for your immediate attention to this request. 

Sincerely, XXXX XXXX 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 2025-05-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Home Loan Center, Inc.
State: FL

Complaint narrative:
There were loan requests done through my lending tree account for debt consolidation that I did not apply for. I was recently scammed of XXXX by check fraud in my name with a bank. It could be my past scammers trying to consolidate that loan, but It seems like they have accessed my lending tree account somehow. 

There was a loan application done of {$10000.00} for debt consolidation on XX/XX/year> ( today ). I received the emails from XXXX XXXX XXXX and XXXX. Both declined fortunately but I still want to report. 

I also saw an application on XX/XX/year>. I only found out about that at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I Called in to Transunion and spoke with several reps who appear to have bad English including a supervisor who stated his name was XXXX. 
I requested a copy of my report over the phone because I am not able to log in through the website because they suspended my account with no explanation. 
The representative kept stating he could see there was incorrect information on my report and when i asked what was he seeing he denied then he could not see anything but was escalating it. 
I then asked for a copy of my report to be mailed since i cant log in to the TransUnion portal. 
The representative told me NO he was not sending a copy of my report and refused remove the freeze as requested even though i provided him with all of my personal. information. 
I have not been able to run my credit because of the freeze and lack of information. 
I tried to retrieve my report again from freeannualcreditreport.com and its also unavailable.

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 2025-05-10 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: TX

Complaint narrative:
I am writing to follow up on my previous dispute regarding fraudulent accounts that appear on my credit report as a result of identity theft. Despite my initial request to the credit bureaus, these accounts were erroneously verified and remain on my record. I respectfully request the CFPBs assistance in ensuring these accounts are blocked in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ).

The fraudulent accounts in question are as follows : 1. 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

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 2025-05-10 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:
Let me be absolutely clear the information you're reporting on my credit file is wrong. The tradeline in question is not being reported with the maximum level of accuracy, which you're legally required to uphold under the Fair Credit Reporting Act. This isnt just a clerical issue its a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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:
recently reviewed a copy of my credit report and noticed i had fraudulent account on my report Please remove these accounts from my report They are hurting my abilty to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Nations Mortgage LLC
State: VA

Complaint narrative:
My name is XXXX XXXX XXXX. 
This letter serves as a formal complaint documenting the disregard, lack of correspondence and irresponsible lending that I have and am currently receiving regarding a refinance that was completed in XXXXXXXX XXXX XXXX 
On or around XX/XX/XXXX, I received a call from an agent representing Nations Mortgage LLC. He introduced himself as XXXX XXXX XXXX : XXXX. I was inquiring about options to repair the property I purchased in XX/XX/XXXX. I never contacted Nations Mortgage LLC, but they found it reasonable to contact me. 
XXXX XXXX and I had a lot of communication during the contract negotiations. He was very attentive and communicative up until the signing of the contract. 
During the contract negotiations XX/XX/XXXX, XXXX XXXX offered me a mortgage of {$1100.00} per month. I explained to him that I was not interested in that amount. He then stated that I was eligible for the streamline mortgage refinance through FHA, and he would be the one carrying out that process as well. He sent me a text message on XX/XX/XXXX, stating the rates had shot up and my mortgage will now be XXXX. I couldn't afford that amount. I made that clear to XXXX XXXX. He told me that I would only have to pay that amount for XXXX months which would end in XXXX of XXXX. He would take me through the streamline process and get my mortgage back down under XXXX to XXXX per month. He then offered me an extra XXXX in credit monies to assist with the mortgage for the next XXXX months and I agreed. 
It is now XXXX of XXXX, and I have reached out repeatedly to XXXX XXXX and his managers and other constituents in Nations Mortgage LLC. I have not received any correspondence that helps me in this matter. I haven't received the promised rate credits. I have not received the decrease in mortgage amounts that I was promised after 4 months. I feel that he acted irresponsibly to make a sale, and I feel victimized by his actions. I am asking for a resolution. I have enclosed text messages of all conversations validating this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed XXXX -accuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. I should only have XXXX address reporting as my address that is on my id.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
What happened? 

I am filing this complaint because EXPERIAN continues to report inaccurate late payments on my mortgage account ending in XXXX, showing XXXX, XXXX, XXXX, and 30 days late for several months in XXXX and XXXX. I formally disputed this reporting in writing on XX/XX/XXXX, but Experian has failed to provide verification or correction. 

This reporting is inaccurate, misleading, and incomplete, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires that all information on a consumer report be complete, accurate, and verifiable.

Despite my formal dispute, Experian has not conducted a reasonable reinvestigation or provided any documentation to support the accuracy of these reported late payments. This ongoing reporting continues to misrepresent my payment history, damage my credit, and violate federal law, including 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ( b ).

I am requesting the CFPBs assistance to ensure that Experian corrects the payment history to show an accurate never late status or removes the account entirely if they can not verify the information with complete and factual evidence.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : Bankruptcy

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 2025-05-10 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: GA

Complaint narrative:
I have some unauthorized car loan inquiries and credit inquiries in my report that are negative and I need them removed according to the FCRA any information that is on your report incorrect must be investigated and removed. 

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 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

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 2025-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LoanCare, LLC
State: FL

Complaint narrative:
Mortgage are charging {$4000.00} fee for lapse of insurance not covered even if I bought a new insurance after changing the roof

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 2025-05-10 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-05-10 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Soja Management Services, LLC
State: FL

Complaint narrative:
I am requesting the removal of a repossession account reported by Smart Finance Solutions LLC # XXXX from my credit report. This account is inaccurate and should be removed under CFPB XXXX XXXX ( Fair Credit Reporting Act ) and XXXX XXXX XXXX, which outline protections for consumers facing hardship. 

The vehicle in question was primarily used for essential medical transportation. It was used back and forth to the hospital regularly, making it a vital necessitynot a luxury. Repossessing this vehicle placed a significant burden on my ability to access medical care. The continued reporting of this repossession is unfair, misleading, and does not reflect the context of the hardship, thus violating the requirement for fairness and accuracy under XXXX XXXX. 

Under XXXX XXXX XXXX, which supports the removal of negative credit reporting in cases of hardship or disproportionate impact, this account qualifies for removal. I am asking the CFPB to investigate and assist in the permanent deletion of this account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TX

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX TransUnion

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 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
Ive had trouble with getting my full refund and have contact with the customer service team and never got anything resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have several charge-offs and inquiries, addresses and phone numbers that I am not associated with. I requested information from a multitude of companies on my credit file because inaccuracies are being reported on varies date and transferred to other companies. Will you please investigate and delete these items. All items not associated with my address below should be removed immediately. The credit bureaus are supposed to report accurate information and based on the accounts in collections, charge-off, and recent inquiries this is not happening. I believe that I have been affected by multiple date breaches. My name is XXXX XXXX, any other names or variations should be deleted. The only address that should be there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please delete any other addresses on my credit.

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 2025-05-10 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: MA

Complaint narrative:
Ive never lived in XXXX NY and have an address attached to my records saying I did.

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 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with non-monetary relief