vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: FL

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 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 2025-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: KS

Complaint narrative:
My mortgage is with Shellpoint. I am wanting to assume the loan. The information on their site says to contact XXXX  so I did. I called Newrez on XX/XX/year> about assuming our VA mortgage. The lady didn't know anything about how that works. She told me they don't have phone number and I had to email them at XXXX. She was going to email them as well. I did email them on XX/XX/year> XXXX XXXX XXXX. I did not hear back from them. In between time, I called the VA and they can't talk to me because the loan we qualified for is because of my spouse. That guy was going to email the assumptions team as well. I emailed the team again on XX/XX/XXXXXXXX XXXX XXXX XXXX  I have yet to receive any information or an email back about the process of assuming the loan. I do not know what I am supposed to do or how I can get a hold of them to get this process figured out. I am very frustrated as I pay my mortgage on time every month. I have emailed them once again yesterday.

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 2025-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Since being pre-approved for a mortgage last XXXX, I have received no less than XXXX spam calls & text messages from various mortgage companies trying to get me to use their services. My phone has been ringing non-stop and it is frustrating beyond belief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: Penn Credit Corporation
State: CT

Complaint narrative:
I filed multiple disputes on XXXX on XX/XX/year> starting with Penn Credit Corp for {$1200.00}, DPT ED for {$4700.00}, DPT ED for {$3800.00}, and DPT ED for {$2300.00} all in which my personal and financial data was compromised violating FERPA. I have a requested full cancellation. XXXX  denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company of accepting unreliable information and failure to notify consumer dispute results. This aligns well with my situation. XXXX  has not attempted to remove nor correct any information. I'm requesting this derogatory remark to be removed immediately as it is affecting my chances of applying for a house. XXXX  violates my rights as a comsumer, as well as federal laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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 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 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 2025-04-15 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: MA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
This will be my final compliant against Aldous & Asscoiates regarding me not recieving proper notification of alleged debt. I am unaware of the alleged debt that has been reporting on my consumer reports. I didn '' t recieve the opportunity to dispute this alleged debt before it reporting to my consumer reports. I've requested multiple times for copies that i was properly notified of this alleged debt which is the certified mail receipt with my signature on it. Multiple times Aldous & Asscoiates has ignored my request and defaulted. Instead they send me copy of the notice but not copies that I was properly notified. I made a compliant also to the XXXX and Aldous & Associates stated that they have sent this notice to an address that is not shown in the copies of the notice they sent me to the CFPB and XXXX. CFPB can check the documents Aldous & Associates provided does not match with the adress they are stating they sent it to .Which means they are either being deceptive or very negligent.. I am demanding the deletion of this collections account. This is my final compliant before I start the litigation process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Subject : Urgent Dispute & Demand for Deletion Under FCRA 611 & FDCPA 809 Dear [ Credit Bureau Name ], I am formally disputing the accuracy of an account that appears on my credit report. Under 15 U.S. Code 1681i ( FCRA Section 611 ), I demand that you reinvestigate and delete this information within 5 days, as it is inaccurate, incomplete, and unverified. Additionally, under 15 U.S. Code 1692g ( FDCPA Section 809 ), I am requesting strict validation of this alleged debt. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My Demands for Verification : I require strict proof of validation , including but not limited to : Complete itemized account history showing all transactions.

Original signed contract/agreement proving my obligation to this account.

Method of verification used by your bureau to confirm the validity of this data.

Date and party that last verified this information and the source used.

Legal Notice & Consequences for Non-Compliance : FCRA Section 611 requires that unverifiable information be deleted immediately.

FDCPA Section 809 prohibits the reporting of debts that lack full validation.

If you fail to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action for damages.

I expect a written response within 5 days confirming the removal of this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-15 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX 2. XXXX XXXX XXXXXXXX ACCOUNT NUMBER XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: GA

Complaint narrative:
Entries for late payments appear on my report that I believe to be inaccurate. Under XXXX USC XXXXe ( b ) and XXXX USC XXXXi, my report is required to contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, that they be corrected or removed.

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 2025-04-15 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: CT

Complaint narrative:
I filed multiple disputes on Experian.com on XX/XX/year> starting with XXXX XXXX XXXX for {$1200.00}, DPT ED for {$4700.00}, DPT ED for {$3800.00}, and DPT ED for {$2300.00} all in which my personal and financial data was compromised violating FERPA. I have a requested full cancellation. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company of accepting unreliable information and failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove nor correct any information. I'm requesting this derogatory remark to be removed immediately as it is affecting my chances of applying for a house. Experian violates my rights as a comsumer, as well as federal laws.

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 2025-04-15 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: Servicer under contract with Federal Student Aid
State: CT

Complaint narrative:
I filed multiple disputes on XXXX on XX/XX/year> starting with XXXX XXXX XXXX for {$1200.00}, DPT ED for {$4700.00}, DPT ED for {$3800.00}, and DPT ED for {$2300.00} all in which my personal and financial data was compromised violating FERPA. I have a requested full cancellation. XXXX  denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company of accepting unreliable information and failure to notify consumer dispute results. This aligns well with my situation. XXXX  has not attempted to remove nor correct any information. I'm requesting this derogatory remark to be removed immediately as it is affecting my chances of applying for a house. XXXX  violates my rights as a comsumer, as well as federal laws.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I received this email from speedy cash about owing on a loan that I do not even have with this company. I called the real speedy cash and I'm not even in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I mailed Them in XXXX, XXXX, and XXXX requesting that they delete this account because it's not reporting the name and contact information to 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 non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: LA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX - Opened XX/XX/XXXX With a balance of {$0.00} Account number XXXXXXXX XXXX  - Opened XX/XX/XXXX XXXX a balance or {$0.00} Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened With a balance of {$0.00} Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX With a balance of {$7500.00} Account number XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$11000.00} Account number XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX With a balance of {$5600.00} Account number XXXXXXXX XXXX XXXX XXXX  Opened XX/XX/XXXX With a balance of {$470.00} Account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$1700.00} Account number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I need help with managing my westlake financial auto loan that closes in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Debit reported on my credit report that is not mine

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 2025-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXXXXXX XXXX CarMax Auto Finance issued a Letter of Guarantee agreeing to release the lien on my XXXX XXXX XXXX upon receipt of {$15000.00} from XXXX. XXXX paid the full amount on time. Despite this, CarMax continued reporting a {$6100.00} balance and applied late fees. 

I contacted CarMax and requested an explanation, itemized balance, and correction. They responded but did not provide a valid reason for the continued charges. This error has negatively impacted my credit report. 

I am requesting that this matter be reviewed and resolved. I am also requesting that the inaccurate balance be removed and any credit reporting corrected immediately.

Company response to consumer: Closed with explanation