vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Trusted Mortgage Capital Inc
State: FL

Complaint narrative:
I am a XXXX XXXX XXXX single XXXX XXXX, with Total XXXX through XXXX purchased my current home a bit over XXXX years ago. I received an offer in mail today about my " pre-approval '' to lower my mortgage payment amount to {$1200.00}, which is a about {$300.00} less than current mortgage payment. The letter provided me with a XXXX XXXX XXXX XXXX XXXX. It was entitled VA INTEREST RATE REDUCTION notice, froXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA, XXXX. XXXX looked very legit, and invited me to call my Government Loan XXXX, so I decided to give it a shot. I called their phone ( XXXX ) XXXX, and an XXXX answered, informing me of his name, and also of his " Federal ID # XXXX. When I asked him how his company could possible benefit from lowering my mortgage payment, XXXX advised me that " the VA had requested that his company help inform veterans of the XXXX XXXX XXXX ''. I didn't believe him. I hung up and called Dept. of Veteran Affairs. When I read letter to woman on phone, she got upset. She told me to call my lender about this. She asked me to report this letter and company supposedly working with VA. I do have XXXX, so I called the center again, and advised the person that answered the phone that " I called XXXX. of XXXX Affairs to double check authenticity of " scam '' letter, and that VA advised they have nothing to do with your company. You are a scam, I verified it with VA and I am calling the FBI ''. Then I hung up. I then got a call from a man at the company, telling me " YOU BETTER WATCH IT, BECAUSE I AM CALLING THE VA RIGHT NOW, AND THEY WILL NEVER GIVE YOU A VA LOAN AGAIN ''. His call came from ( XXXX ) XXXX. I told him he was a scam and hung up. Since that call, same number has been calling me again and again, but I am not answering. Instead I am filing a complaint. This company has my name and personal info, and I am very afraid since he called to threaten me with no more VA loans. I hope you can look into this matter. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX DEPT OF EDUCATIONXXXX 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 2025-05-01 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: TX

Complaint narrative:
XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is XXXX years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( XXXX ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax regarding a XXXX XXXX credit card account that is inaccurately reported on my credit file. 

The account is marked as charged off and listed as bad debt/collection, yet there is no closed date, and the delinquency status progression conflicts with the charge-off reporting timeline. The account also continues to reflect a high balance and high utilization after charge-off, which is misleading. 

I submitted a dispute to Equifax and requested a reinvestigation and method of verification under FCRA Section 611. Equifax did not provide documentation from the creditor to verify the accuracy of the data. This is a violation of FCRA Section 607 ( b ) which requires the reporting to be accurate and complete. 

I am requesting that Equifax delete this account from my credit file if it can not be verified with full and accurate documentation from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am submitting this complaint regarding American Express as reported on my XXXX  credit file ( Report Number : XXXX ). This account was charged off and closed in XX/XX/XXXX. Despite that, XXXX  continues to report a balance of {$1400.00} and a past due amount of {$1100.00}, along with ongoing updates through XX/XX/XXXX. The payment history shows increasing delinquency from XX/XX/XXXX through charge-off, followed by monthly charge-off notations into XXXX. American Express has failed to issue a XXXX, despite treating the balance as written off. This violates IRS Code 6050P. XXXX continued publication of this data despite prior disputes and without certified validation also violates FCRA 1681e ( b ) and 1681i ( a ) ( 5 ). I am requesting permanent deletion of this tradeline from my XXXX  credit report due to its misleading nature, unverifiability, and failure to comply with both tax and credit reporting regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EdFinancial Services
State: CA

Complaint narrative:
HELLO TO WHOM CONCERNT : I had a collection student loan from ed financial ( fafsa ), but we didn't receive information of that account by letter, and I didn't now that I was past due 90 days, is the first time, can you fix this and cancel the collection. This is affected my credit report and I already pay online the past due. thank you sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I contacted them for verification and how they obtained the information. As you can see from the attachments the item has been charged offed on several different months and showing a balance

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 2025-05-01 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-01 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: FL

Complaint narrative:
I Need to remove below hard inquiries from my credit report as they were not used to secure a loan or establish a loan .. and have no written authorization from me. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> need these XXXX hard inquiries removed as soon as possible please.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-01 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: Consumer Portfolio Services, Inc.
State: MN

Complaint narrative:
Both XXXX XXXX and XXXX were made aware XXXX times via certified mail that I had received calls from them in regards to an account that was fraudulently obtained. When I asked them to provide me information about the original creditor, accounts details and default details they could not provide this information Also consumer portfolio has been paid in full and agreed to remove this account as well, I am asking that this account be removed from my profile in full immediately. They told me it would be removed XXXX week after payment and it has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi failed to protect my account from fraud. I have no online account or log in access and the account was hacked by a perpetrator. The account has not been used for awhile and dormant from transactions. There were fake checks created and forgery of signature as well as ACH transfers. Citi knows who the perpetrator is via digital signature and payee on the check. Citi reimbursed the ACH fraud but declined to reimburse the check fraud. Why not the checks? Citi failed to properly protect my account and lacked proper secondary security or ID allowing the account to be hacked. The bank did not take any action or scrutinize any checks allowing the account was being drained. In addition, Citi does not return copies of checks making it difficult to identify fraud. Their ( Citi ) fraud prevention was lacking and the only way the account was accessed was via a hack especially with ACH transfers. The perpetrator can be easily caught and prosecuted. But Citi figures the easiest way to close cases is to decline them.

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 2025-05-01 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I am writing to formally dispute and bring to your attention a serious concern regarding a potential or confirmed data breach involving my personal information. It has come to my attention that my sensitive data may have been compromised because of inadequate data security measures on your part. 



Under federal and state consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and applicable state data breach notification laws, companies are required to implement and maintain reasonable security procedures to protect consumers personal information and to promptly notify them in the event of a breach. 



I believe your company has failed to uphold these responsibilities, resulting in potential harm to my financial and personal privacy. If this breach has resulted in fraudulent activity on my credit file, financial accounts, or otherwise, I am requesting that you immediately : Provide a detailed account of the data that was compromised ; Disclose the date and method by which the breach occurred ; Explain the steps your organization is taking to remediate the situation ; Provide documentation of your compliance with data protection laws ; Correct any errors on my credit file caused by this breach ; Provide complimentary credit monitoring and identity theft protection services for a minimum of 12 months. 
Please be advised that I am aware of my rights under the FCRA ( 15 U.S.C. 1681 ), which allows me to dispute inaccurate or incomplete information on my credit report. You are required to investigate and respond to this dispute within 30 days of receipt. Failure to do so may result in a complaint filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and/or my states Attorney General. 



Please respond to this dispute in writing within 30 days. If you fail to respond or resolve this issue promptly, I reserve the right to pursue further legal action.

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 2025-05-01 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief