vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 
1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX  XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX XXXX Account Number : XXXXXXXX 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: IL

Complaint narrative:
Please conduct a full investigation of this account listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
Please conduct a full investigation of this account listed on 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 non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX I attempted to log in to MyEquifax. I could not. I made 2 calls. The first call ended with them telling me the account had been reset and it could take 30 minutes to take affect. One hour later I called again and was still not able to get into the account. Both times I was asked " Why do you want to log in? ". Three different devices were unable to log in. Equifax insisted it was my problem as their end showed everything was fine. The second call ended with me being told someone would email me about the problem in 7-10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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:
On the date XX/XX/XXXX a " XXXX XXXX XXXX '' loan was reported open with a current balance of {$720.00}. On the date XX/XX/XXXX a " XXXX XXXX '' loan was opened and began reporting on my credit with a balance of {$3000.00}. On the date XX/XX/XXXX another loan " XXXX '' began reporting to TransUnion with the highest balance being {$17000.00} and current balance being {$0.00}. I never input my information to any of these companies.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ 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 2025-06-18 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 am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On Tuesday XX/XX/year> at approximately XXXX EST, a fraudulent ACH withdraw from my Truist Bank checking account in the amount of {$340.00} was made to " XXXX XXXX XXXX XXXX ''. That payment was not authorized by me. An online search uncovered an organization that I'm unfamiliar with. I had to wait a couple of days for the transaction to clear as it was pending. On Friday XX/XX/year>, I attempted to call the fraud line but was unsuccessful. Due to banking hours, I had to wait until Monday XX/XX/year> to make the telephonic report. The next day, Tuesday XX/XX/year>, I received an automated email stating the received my complaint and provided me Claim # XXXX. Today, Wednesday XX/XX/year>, I received an email stating that my claim was denied because it wasn't reported in the required timeframe. I then called the fraud line and spoke with XXXX from Truist Bank. She stated that I was required to report the fraud within 24 hours. I asked her to provide me the written information on that but was left on hold for too long so I ended the call. Truist Bank has an objectively unreasonable policy that members must log in and view their bank accounts daily, otherwise forfeit the ability to challenge fraudulent transactions. I was unable to challenge the fraud in that time frame due to the withdraw pending, being unable to contact them on a Friday and then having to wait until the weekend ended.

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 2025-06-18 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Home American Mortgage Corp
State: AL

Complaint narrative:
I am a VA-eligible homebuyer who entered into a purchase agreement with XXXX XXXX XXXX for a newly constructed property in XXXX, XXXX My loan was through a VA-guaranteed mortgage program . After the VA appraisal was completed, the value came in significantly lower than the original contract price. As a result, I exercised my contractual right to cancel the agreement per Section 6.8 of the XXXX XXXX Purchase Agreement, which states that a buyer using VA financing will not be obligated to complete the purchase or forfeit their earnest money if the appraisal is lower than the purchase price. Although the builder later offered to lower the price to the appraised value, I had already initiated the cancellation process. I did not sign any continuation addendum, waiver, or agreement to proceed. Despite this, XXXX XXXX XXXX is now claiming that I no longer have a right to cancel and is refusing to refund my earnest money deposit, which I am legally entitled to under federal VA loan regulations and the terms of the contract. I am requesting the CFPBs assistance to ensure that my VA rights are upheld and that XXXX XXXX XXXX complies with their obligation to release the full amount of my earnest money deposit. This clause is directly from the builders own purchase agreement, which I signed under a VA financing contingency. Section 6.8 - VA Loan Contingency : If Buyer is obtaining VA guaranteed financing, Buyer will not be obligated to complete the purchase of the Property or to incur any penalty by forfeiture of earnest money or otherwise, unless Buyer has received a written statement issued by the Department of Veterans Affairs ( VA ) or by a VA-approved lender setting forth the appraised value of the Property as not less than the purchase price. If the appraised value is less than the purchase price, Buyer shall have the option to proceed with the purchase or cancel the Agreement without penalty and receive a full refund of all deposits made.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
15USC1666B inaccurate report. Late payments view inaccurately. Please remove late payments as its inaccurate and reflect report to paid as agreed on each credit report for XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
15USC1666B inaccurate report. Late payments view inaccurately. Please remove late payments as its inaccurate and reflect report to paid as agreed on each credit report for 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 2025-06-18 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-18 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: TN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: NJ

Complaint narrative:
I am writing to formally file a complaint regarding a fraudulent debt reported by XXXX XXXX on my Experian credit report. I have been disputing this account consistently for the past XXXX years, and despite my repeated efforts, it remains unresolved. 

XXXX XXXX continues to claim that they have verified the account as belonging to me, alleging that payments have been made. However, I have not made any payments on this account, nor have I ever opened or agreed to any account with XXXX XXXX. Additionally, the information reported on the account does not match my personal identifying information. 

To date, I have taken the following steps to resolve this matter : Filed multiple disputes directly with Experian ; Submitted numerous complaints to the CFPB and the FTC ; Filed an identity theft report with my local police department ; Provided documentation to both the credit bureau and the original creditor supporting that I am not the account holder. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX Code XXXX, a credit reporting agency is required to conduct a reasonable reinvestigation when a consumer disputes information. Experian has failed to properly investigate or remove the false account. Additionally, under FCRA XXXX XXXX XXXX XXXX, the information furnisher ( XXXX XXXX ) is prohibited from reporting inaccurate or incomplete information once they have been notified of a dispute. 

This ongoing situation has caused significant emotional and financial distress, impacting my creditworthiness and daily life. Despite complying with all legal procedures and providing sufficient evidence, the debt remains on my reportwrongfully. 

I am requesting the immediate removal of this fraudulent XXXX XXXX account from my Experian credit report in compliance with the FCRA. I also ask that this issue be fully investigated and that the responsible parties be held accountable for their continued violation of my rights as a 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 2025-06-18 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: NJ

Complaint narrative:
I am writing to formally file a complaint regarding a fraudulent debt reported by XXXX XXXX on my XXXX credit report. I have been disputing this account consistently for the past XXXX years, and despite my repeated efforts, it remains unresolved. 

XXXX XXXX continues to claim that they have verified the account as belonging to me, alleging that payments have been made. However, I have not made any payments on this account, nor have I ever opened or agreed to any account with XXXX XXXX. Additionally, the information reported on the account does not match my personal identifying information. 

To date, I have taken the following steps to resolve this matter : Filed multiple disputes directly with Experian ; Submitted numerous complaints to the CFPB and the FTC ; Filed an identity theft report with my local police department ; Provided documentation to both the credit bureau and the original creditor supporting that I am not the account holder. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX Code XXXX, a credit reporting agency is required to conduct a reasonable reinvestigation when a consumer disputes information. Experian has failed to properly investigate or remove the false account. Additionally, under FCRA XXXX XXXX XXXX XXXX, the information furnisher ( XXXX XXXX ) is prohibited from reporting inaccurate or incomplete information once they have been notified of a dispute. 

This ongoing situation has caused significant emotional and financial distress, impacting my creditworthiness and daily life. Despite complying with all legal procedures and providing sufficient evidence, the debt remains on my reportwrongfully. 

I am requesting the immediate removal of this fraudulent XXXX XXXX account from my XXXX credit report in compliance with the FCRA. I also ask that this issue be fully investigated and that the responsible parties be held accountable for their continued violation of my rights as a 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