vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-05-27 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: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV, XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Dispute of Unverifiable Late Payments by XXXX XXXX Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute late payment entries reported by XXXX XXXX that appear on my credit report. These entries are inaccurate, unverified, and in violation of my consumer rights under federal law, specifically 15 U.S. Code 1666b of the Truth in Lending Act ( TILA ), which governs the timely crediting of payments and billing accuracy. 

The tradeline for XXXX XXXX on my credit report indicates late payments that I strongly contest. These late payment notations are : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Under 15 U.S.C. 1666b, creditors are legally required to apply payments promptly and within the terms agreed upon in the billing agreement. Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to investigate any disputed item within 30 days of receiving a consumer dispute. 

I request that you immediately investigate these unverifiable and inaccurate late payment entries and delete them from my credit report. If XXXX XXXX can not provide verifiable documentation proving these payments were indeed late, these entries must be removed in compliance with the FCRA and TILA.

Please provide written confirmation of your investigation results and an updated copy of my credit report reflecting the correction or removal of the inaccurate data. I expect full compliance with federal law and timely resolution within the 30-day period as required.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Mortgage — FHA 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: United Shore Financial Services, LLC
State: FL

Complaint narrative:
In XX/XX/year> Myself XXXX XXXX and my husband XXXX XXXX applied for an XXXX  loan through XXXX XXXX XXXXXXXX ; loan originator was XXXX XXXX. During the application process UWM, United Wholesale Mortgage was who we were trying to get loan approval from. We submitted documents and had a 4.0 inspection done which included a very limited XXXX  certification of the manufactured homes tie downs and bracing, that we turned into our loan originator. XXXX XXXX a XXXX home to be in compliance with XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) which at the time of application process we were not made aware of, UWM was supposed to be the one to order an actual engineering report for the home in which they never did, we did not know that they were suppose to order a specific engineer test nor did we know what all FHA required for a XXXX  home to be considered in compliance for the approval, it was never discussed with us. UWM 's underwriting team approved the application with a faulty and not acceptable engineer cert and said we were clear to close on XX/XX/year>. Immediately after closing we filed a complaint with the XXXX because the home had significant issues going on after it had rained and with it being a new home, we had no idea why any of the issues were going on. After the XXXX received our complaint, they had an inspection done in XX/XX/year>. By XX/XX/year> we had the full report in hand and knew something was not right and that something was missed during the application process because the home did not pass Fl code and was in horrible structural shape. We contacted XXXX headquarters XXXX and they scheduled and XXXX  specialist to come out and XXXX the home. XXXX XXXX XXXX, manager for XXXX has been in close contact with me and has verified the engineer report UWM 's underwriter used was faulty and did not adhere to the XXXX  guidelines for XXXX  loan approvals for XXXX  homes. I have tried calling UWM several times, emailing them, and we get no response, or we are told because the loan was sold to XXXX XXXX they can not speak to us on this matter. The loan was for {$250000.00} and we are left with an unlivable home, all while being displaced with our family of XXXX, and still responsible to pay for this mortgage. I am uploading a current engineer report showing the extent of how bad the home is and the recommendations of the engineer, the report that was used during our application that's considered faulty from not having adequate information required by XXXX, XXXX XXXX email pertaining the error made on behalf of UWM, and the home report from XXXX not even 2 months after closing. 
The loan was sold in XXXX to XXXX XXXX loans and they are also refusing to do anything about the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: MI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

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 2025-05-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
some tried to us my information with out my permission

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 2025-05-27 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
some tried to us my information with out my permission

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 2025-05-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
At the beginning of XX/XX/year>, I applied for a HELOC through Chase to consolidate existing debt. The loan was approved, closing was completed in late XXXX, and funding occurred on XX/XX/XXXX. On XX/XX/XXXX, I provided updated statements for several accounts to be paid off using the HELOC funds as I had received checks with incorrect payoff amounts, including a check for an institution ( XXXX XXXX ) that does not accept checks. That same day ( XX/XX/XXXX ), I received confirmation from Chase ( via secure email ) that wire transfers were in process. 

Despite this, not a single creditor was paid off including XXXX, XXXX XXXX XXXX, and XXXX XXXX. I was later informed that another check was sent to XXXX XXXX who does not accept physical checks ( despite Chase being told this in advance ), and was returned. The funds were not redirected, no communication was provided, and the issue was not resolved. 

I followed up repeatedly. I received conflicting responses, including one from a Chase team manager falsely accusing me of fabricating a message from a Chase colleague a message that was time-stamped and sent through Chases own secure system. That same manager later backtracked, admitting the wire was never sent due to a missing payoff, which had never been communicated until nearly two weeks later. 

During this time, I was forced to make out-of-pocket payments totaling {$1700.00} to avoid interest and late fees on debts that were supposed to be paid off using the HELOC. Despite escalation to Chases executive office, I have received no response from the resolution team, no reimbursement, and no accountability. 

As of today, XX/XX/XXXX, I have received no confirmation that any of the remaining accounts have been paid. I am requesting : Reimbursement for out-of-pocket payments Interest credit for funds not disbursed as agreed Formal acknowledgment of misconduct and failure to respond to a formal escalation I have full documentation, including a detailed timeline, payment screenshots, and internal Chase email communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: MS

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to XXXX  that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-05-27 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: NJ

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NJ XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX CARD - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX XXXX Date : XX/XX/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 2025-05-27 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: MI

Complaint narrative:
I am a victim of identity theft, and TransUnion is reporting multiple fraudulent accounts and unauthorized inquiries on my credit report, despite my formal disputes. The accounts from XXXX, XXXX, and XXXX Card are not mine, and I did not authorize the hard inquiries from XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  or XXXX XXXX Additionally, there is an incorrect employer listed XXXX XXXX XXXX which I have never worked for. 

These errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), particularly : FCRA Section 605B [ 15 U.S.C. 1681c-2 ], which states that a consumer reporting agency must block fraudulent information on a credit report within 4 business days after receiving proper documentation of identity theft.

FCRA Section 611 [ 15 U.S.C. 1681i ], which requires credit bureaus to conduct a reasonable investigation of disputed information and correct or delete inaccurate, incomplete, or unverifiable information within 30 days.

I submitted an affidavit with all required documentation, including a copy of my government-issued ID and proof of address, yet TransUnion has failed to investigate and remove the fraudulent data in a timely and lawful manner. 

This ongoing issue is severely impacting my ability to secure a business loan and reopen my small business, which has caused significant financial and emotional stress. I am requesting the CFPBs assistance in enforcing my rights and holding TransUnion accountable for their noncompliance.

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 2025-05-27 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union for reporting conflicting and duplicate entries for the same credit card account.

One version shows a charge-off with a high balance of {$11000.00}, and another shows the same account as In Good Standing and with XXXX late payments. There are also differences in remarks like Subscriber disagrees, Consumer disagrees, and Dispute resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-05-27 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: Exeter Finance, LLC.
State: CO

Complaint narrative:
XX/XX/year> I sent written requests for debt validation to the company, and they have failed to provide any verification or supporting documentation within the 30-day period, which is required under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation