vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: FL

Complaint narrative:
There is indeed incorrect and inaccurate information on my credit report. My EXPERIAN credit report is reporting an account on my report from XX/XX/XXXX which is indeed not my account. It's does not report on XXXX XXXX XXXX at all and would like this account removed. It is not accurate. I disputed this with EXPERIAN plenty of times with no resolution. And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( * ) 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 ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 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 2025-04-16 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Received a gift of Vanillagiftcard on XX/XX/XXXX went to use it on XX/XX/XXXX and found out there was only XXXX $ left out of the XXXX $ balance. upon further review of transactions i discovered XXXX fraudulent transactions that I wasn't aware of on XX/XX/XXXX an online purchase from XXXX XXXX XXXX XXXX for {$140.00} at XXXX and XX/XX/XXXXXXXX XXXX XXXX for {$1.00} from a XXXX XXXX. This looks like an inside job to me as they knew exactly when the card was activated and how much was on the card. I submitted a dispute online XX/XX/XXXX and they sent a response XX/XX/XXXX stating they are unable to approve my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FIRST UNITED BANK AND TRUST COMPANY
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding an extremely upsetting and unprofessional experience I had with First United on a recent phone call. I feel that the conduct I was subjected to warrants investigation, particularly given the potential implications of discrimination based on my XXXX background. 

On this call, I spoke with a representative named XXXX XXXX unfortunately, no last name was provided despite my request ). During our conversation, I believed that XXXX was providing incorrect and incomplete information regarding my mortgage inquiry. As is my right, I respectfully requested to have my concerns escalated to a supervisor for clarification and resolution. 

To my surprise, XXXX refused my request, stating there was " no need '' since he had allegedly already provided all the necessary information. I was confused, as I have never before been denied the ability to escalate a matter especially when dealing with a mortgage servicer, where such protocols are both standard and expected. 

I attempted several times to explain my position and reiterated my request to be transferred to a supervisor. XXXX repeatedly refused and offered instead to have someone call me back at a later time, an option I explicitly declined. I made it clear that I wished to speak to a supervisor immediately, as is my right as a customer. 

During this prolonged and frustrating exchange, XXXX became dismissive, stating that he was " done talking to me '' and threatening to hang up the call. At no point did he make any effort to contact a supervisor. It was only after continued insistence on my part and no valid reason provided for the refusal that I was finally transferred. 

This experience left me feeling targeted, dismissed, and discriminated against. I can not ignore the concern that my XXXX name may have played a role in the disrespectful and obstructive treatment I received. The refusal to escalate, the unprofessional tone, and the threatening remarks were not only shocking but deeply upsetting. 

I am extremely frustrated with First Uniteds handling of this matter and believe that such treatment has no place in a professional, federally regulated industry. I respectfully request that HUD review this incident for potential Fair Housing Act violations, including any discriminatory practices or procedural mishandlings by First United staff. 

Please let me know the next steps and any additional information you may require from me to support this complaint. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 a personal loan account opened at XXXX on XX/XX/2021 under the account number XXXX original balance {$4500.00}. This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 rom 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.

What would be a fair resolution to this issue? I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within FCRA and FDCPA law.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Experian credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-04-16 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:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume 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 2025-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
They did not provide a good reason for closing my dispute, I sent them multiple images of the merchant accidentally allowing another user to take money and make purchases on my account with my debt card that was saved. And then remove the money they made with there own withdrawals I have messages with support staff of the merchant admitting fault, and they still didnt refund those purchases. XXXX XXXX were the dates that affected me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NE

Complaint narrative:
On Thursday, XX/XX/XXXX of XXXX I awoke to a notification that my paycheck had been put into my Cashapp account. Following that notification I had XXXX more, stating that my email account and phone number had been disconnected from the account. I opened my app to find that I no longer had access to my account. After I had found out I had called Cashapp XXXX XXXX to let them know what was going on. After being on the phone with them for about an hour I was able to regain access to my account, only my money was no longer on there. I looked at the transactions and saw that there were XXXX transactions that I did not recognize. XXXX of them being {$590.00} to an account with the name of XXXX XXXX and the second being a transaction of {$200.00} to a XXXX XXXX. Neither of them are in my contacts, nor have I ever had any previous transactions to those names. I do not know them. I was able to see that they made those transactions in XXXX, XXXX. I live in Nebraska, and have never been to California. When I was off the phone with support they told me they would submit my case, trying to see if I could get a refund of the money stolen from my account. They told me I would hear back within 10 days. Today, XX/XX/XXXX of XXXX I received an email from Cashapp support stating that based on my transaction account history, they did not find an error of any kind, and that they would not refund my money, therefore they closed the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: GA

Complaint narrative:
XXXX XXXX XXXXXXXX is reporting a charged-off account ( XXXX XXXXXXXX ) on my Equifax credit report. I believe this account is inaccurate and unverifiable. I submitted a formal dispute to the credit bureau, but no documentation or proper validation was provided. The account remains with a past due balance even though it was closed by the creditor. I request the removal of this account if validation can not be provided under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request your assistance in addressing inaccuracies on my credit report ( XXXX ). I have contacted the XXXX major credit bureaus Equifax, Experian, and TransUnion regarding [ Specifically list the inaccurate item ( XXXX ) on your credit report. I have provided documentation to support my disputes. 

Despite my attempts to resolve these issues directly with the credit bureaus, I have received no response from aany of the credit bureaus. My initial dispute letters were sent on XX/XX/year> and I have yet to receive the required investigation results or deletion of the inaccurate information. This lack of response is causing significant harm to my credit score and my ability to secure a loan, rent an apartment, obtain favorable interest rates. ].

Furthermore, I am formally requesting, pursuant to 15 U.S.C. 1681i ( 7 ), a description of the reinvestigation procedures that the credit bureaus are employing to investigate my disputes. Section 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) explicitly requires that, upon request from a consumer, a consumer reporting agency must provide " a description of the procedure used to determine the accuracy and completeness of the information '' within 15 days of the request.

I am formally requesting that the CFPB investigate this matter. I believe that the credit bureaus are failing to comply with their obligations under the FCRA by : * Failing to adequately investigate my disputes.

* Failing to provide timely responses to my dispute letters.

* Failing to remove inaccurate and unverifiable information from my credit report ( s ).

* Failing to provide me with a description of their reinvestigation procedures as required under 15 U.S.C. 1681i ( 7 ).

I have attached copies of dispute letters.

I urge the CFPB to intervene on my behalf to ensure that the credit bureaus conduct a thorough reinvestigation of my disputes and comply with the requirements of the FCRA. I look forward to hearing from you regarding the steps you will take to address this matter.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to request your assistance in addressing inaccuracies on my credit report ( XXXX ). I have contacted the XXXX major credit bureaus Equifax, Experian, and TransUnion regarding [ Specifically list the inaccurate item ( XXXX ) on your credit report. I have provided documentation to support my disputes. 

Despite my attempts to resolve these issues directly with the credit bureaus, I have received no response from aany of the credit bureaus. My initial dispute letters were sent on XX/XX/year> and I have yet to receive the required investigation results or deletion of the inaccurate information. This lack of response is causing significant harm to my credit score and my ability to secure a loan, rent an apartment, obtain favorable interest rates. ].

Furthermore, I am formally requesting, pursuant to 15 U.S.C. 1681i ( 7 ), a description of the reinvestigation procedures that the credit bureaus are employing to investigate my disputes. Section 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ) explicitly requires that, upon request from a consumer, a consumer reporting agency must provide " a description of the procedure used to determine the accuracy and completeness of the information '' within 15 days of the request.

I am formally requesting that the CFPB investigate this matter. I believe that the credit bureaus are failing to comply with their obligations under the FCRA by : * Failing to adequately investigate my disputes.

* Failing to provide timely responses to my dispute letters.

* Failing to remove inaccurate and unverifiable information from my credit report ( s ).

* Failing to provide me with a description of their reinvestigation procedures as required under 15 U.S.C. 1681i ( 7 ).

I have attached copies of dispute letters.

I urge the CFPB to intervene on my behalf to ensure that the credit bureaus conduct a thorough reinvestigation of my disputes and comply with the requirements of the FCRA. I look forward to hearing from you regarding the steps you will take to address this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this formal complaint against Equifax Information Services LLC for repeated violations of federal consumer protection laws and for failing to safeguard my personal information during its well-documented data breach. Equifax has neglected its responsibilities under the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and has contributed to ongoing consumer harm by failing to properly address disputes and account integrity issues. 
________________________________________ On XXXX, I submitted a formal dispute letter to Equifax under 15 U.S.C. 1681e ( b ). This section of the FCRA requires Equifax to follow reasonable procedures to ensure the maximum possible accuracy of the information it includes in my credit file. However, the accounts I disputed have remained on my report, despite being inaccurate, incomplete, or unverifiable.

Following this, I submitted a second letter, this time detailing violations of : 15 U.S.C. 1681s-2 Furnishers must conduct proper investigations and correct or delete inaccurate information when notified of a dispute.

15 U.S.C. 1681s-2 ( a ) ( 7 ) Requires furnishers to notify consumers within 30 days when they report negative information. I was not notified as required by law.

15 U.S.C. 1666b This FCBA provision requires prompt resolution of billing disputes on open-end credit ( e.g., credit cards ). Equifax has failed to ensure that creditors complied with this timeline. 
Despite giving Equifax sufficient time and documentation, I have received no meaningful resolution or proof that any proper reinvestigation took place. The same inaccurate information continues to damage my credit standing. 
________________________________________ EQUIFAX XXXX BREACH : To make matters worse, my personal information was included in the Equifax XXXX breach in XXXX, which compromised sensitive data of over XXXX XXXX Americans. I received confirmation that my personal data was part of the breach. This incident increases the importance of data accuracy and security, especially when I am now facing adverse effects from inaccurate credit reporting. 
Given Equifaxs past failure to safeguard consumer data, I expect a higher standard of care when it comes to processing disputes and ensuring the integrity of my personal and credit information a standard that has not been met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 explanation
Consumer complaint received 2025-04-16 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-04-16 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: NJ

Complaint narrative:
I've reached out to discover to get an investgation of fraudulent charges on my account. The charges was from a rental company that I didn't have contract or lease with. Also went to court. To only find out that the building wasn't owned by them at the time. And my oringnal property owner loss ownership of property. The judge gave me time to move. I've moved out in the meantime my discover card was fraudulent use by the next company that was in the process of buying the property. BUT an completely different company was at court. And some other company charged my card. Even tho I was order to move out by a certain date and I was not ordered to pay them anything because they didn't have proof out ownership at that time. Nor did i sign any new lease for said account to be charged. 
However I was granted to move because of the code violation on the building. I never gave permission to used my card. That was on file by previous owner. Fast forward discover never sent proof of the investigation they charged off my account with them and XX/XX/year> but been adding charge offset inquiries every month afterwards. With no payment history as well. I have many payments on my account. XXXX has reported none.They are reporting inaccurate information to all three bureaus. I've attached supporting documents in support of the false reporting to my credit profile

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