vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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 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 explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Diverse Funding Associates LLC
State: LA

Complaint narrative:
To Whom It XXXX Concern, In 2024, I disputed this alleged debt on multiple occasionsfive to XXXX timeseach time formally requesting full validation. Specifically, I asked for a copy of the original contract bearing my true and verified signature, as required by law. 

To date, the owner or collector of this alleged debt has failed to provide proper documentation or validation as requested. I am fully aware that third-party debt XXXX are not party to the original creditor contracts and therefore must independently validate any alleged obligation before attempting to collect or report it. 
Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ), you are required to complete a reasonable reinvestigation of any disputed information within XXXX XXXX of receiving a dispute notice. Failure to comply with this federal mandate constitutes a violation of consumer protection law. 

Furthermore, under established legal precedent, the right of subrogation does not apply to a stranger to the transaction ( see XXXX XXXX. XXXX. XXXX Subrogation XXXX ). Therefore, unless the alleged debt collector can demonstrate their lawful and contractual standing, including proof of assignment and the original instrument signed by me, they are not legally entitled to enforce or report this alleged debt. 

I am once again demanding : 1. A complete and itemized validation of the alleged debt ; 2. A copy of the original contract bearing my actual, verified signature ; 3. Documentation establishing the legal right of the collector to collect this debt ; 4. Immediate removal of this unverifiable item from any credit reporting if validation can not be provided.

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 2025-06-03 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: IL

Complaint narrative:
I submitted XXXX separate dispute letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to Equifax regarding inaccurate and/or unverifiable items on my credit report. To date, they have failed to properly respond, investigate, or remove the items as required by the Fair Credit Reporting Act ( FCRA ).

Under FCRA 611, they are legally obligated to respond to disputes within XXXX XXXX I also sent a formal XXXX of XXXX ( MOV ) letter ( XX/XX/XXXX ), demanding details on how they verified the items they claim to have investigated. They have not provided that information either. 

This is a direct violation of FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ), and it continues to cause harm to my credit profile.

I am requesting that the CFPB investigate this matter and take action against the credit bureau for failing to comply with federal law. I am also requesting that the disputed items be removed due to their inability or unwillingness to verify them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i have multiple inquiries thats wasnt done by me on my credit report. i have reached out to experian, equifax and transunion on multiple occasions about these attempted theft as well as breach from these same credit bureaus, inquiries that needs to be removed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i have multiple inquiries thats wasnt done by me on my credit report. i have reached out to experian, equifax and transunion on multiple occasions about these attempted theft as well as breach from these same credit bureaus, inquiries that needs to be removed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: LA

Complaint narrative:
XXXX XXXX XXXX  has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX XXXX XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX XXXX XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX XXXX inaction violates federal law and 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 non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: LA

Complaint narrative:
I received a letter in the mail from XXXX XXXX. The phone number listed is unavailable and I have not received any correspondence to my certified letters. I have since contacted XXXX via phone ( XXXX ) and the company advised that they did not have any information because the debt was sold to Velocity Recoveries. I contacted Velocity Recoveries via phone ( XXXX ) and followed the prompt that leads to hold music but end with a voicemail. I haven't receive a call back. Who do I contact to get this handled?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
incorrect personal info and unauthorized inquiries : Address :XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
incorrect personal info and unauthorized inquiries : Address :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 2025-06-03 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: NC

Complaint narrative:
I am a data breach victim and fraudulent accounts were added to my credit file. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within XXXX XXXXXXXX : 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, NC XXXX XXXX delete and block the following accounts from my credit report Accounts FRMRS FURN - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FC HoldCo LLC
State: IL

Complaint narrative:
A vehicle loan account was fraudulently opened under my name with Flagship Credit Acceptance without my knowledge, consent, or authorization. I never applied for this loan, never signed any contract, and never took possession of the vehicle. 

In XXXX of 2022, I discovered the account was affecting my credit profile.I immediately contacted the credit bureaus and Flagship Credit Acceptance via phone and written correspondence, submitting a formal dispute and a fraud affidavit, and demanded that they conduct a full investigation and remove this fraudulent account. 

Despite their obligation under the FCRA to investigate and respond within 30 days, I received no resolution and no written response after repeated attempts to resolve this directly. The lack of action and communication is unacceptable. I disputed this account directly with the company and also with the credit bureaus, yet when I spoke with someone on the phone on a recorded line they stated they never received a dispute from me or the credit bureaus until i contacted them this most recent dispute. All three credit bureaus have been confirming this account as accurate for the past XXXX XXXX  via Flagship credit acceptance. 

Flagship has failed to : Provide any verification documents, including signed agreements or application records Acknowledge that this account was opened fraudulently Take corrective action to remove the account from my reports Comply with federal regulations governing identity theft and unauthorized account 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 explanation
Consumer complaint received 2025-06-03 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: NM

Complaint narrative:
I filed a dispute on XXXXXXXX XXXX due to a medical collection. 
EXPERIAN denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( EXPERIAN ). 
they alleged the company of accepting unreliable information, 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 be removed or corrected immediately as it's affecting my chances on getting a house. Experian violates my rights as a consumer, 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 2025-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
The mortgage company PennyMac XXXX California assumed my loan shortly after initiating it in XXXX of XXXX. Everything went fine the first year, however during the second year XXXX they improperly calculated my escrow account and were charging me approximately {$500.00} more per month than agreed. In XXXX of this year I received some baffling accounting information giving me a heads up of a problem occurring, which prompted me to verify that my property tax rate it was accurate with XXXX XXXX and then I assumed that they made the mistake of calculating an investor property tax rate vice the homestead rate. 
To be clear I bought a model home, and the builder gave me an incentive referred to as a step-up interest rate, where they bought down the interest rate for the first XXXX years and on the final year XXXX it's supposed to plateau at a fixed rate of XXXX XXXX The first year I was paying the equivalent of a XXXX XXXX  rate, and year XXXX ( present year ) it was supposed to increase at a rate equivalent to XXXX XXXX, which is approximately {$1900.00}. 
I have attempted over a dozen times to reach them via phone, and they literally do not answer the phone. The last mortgage payments I have sent which was {$1900.00} dollars was put into some alternate account, and they gave me no credit for it. So essentially, they are now stealing my money. This is very frustrating and unprofessional... It baffles me that the company would have this much authority and conduct business this way. 
But I obviously appreciate anything your office can do to verify this and rectify it. I contacted the original loan company and the realtor. Nobody can reach them for resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Subject : Dispute of Unauthorized Transactions and Request for XXXX Dear Consumer Financial Protection Bureau XXXX XXXX am writing to formally dispute a series of unauthorized transactions that occurred on my Wells Fargo account XXXX I have taken all reasonable precautions to protect my personal information and believe these transactions were fraudulent. 
Supporting Evidence : Police Report : A copy of the police report filed regarding the theft of my purse, which contained my Wells Fargo debit card, and pin. 


Proof of XXXX : Documentation showing that I was in New York at the time the unauthorized transactions occurred, indicating that I could not have authorized them. 


Bank XXXX : Copies of any communication with Wells Fargo regarding this issue, including their response to my dispute. 


Despite providing this evidence, Wells Fargo has declined to reverse the charges, stating that I am at fault for writing down my PIN due to my medical condition. I have been diagnosed with XXXX, which impairs my short-term memory and necessitates writing down important information for reference. This condition is recognized by medical professionals and is a mitigating factor in this situation. I was also told on the phone that I should not own a wells fargo debit card If I have XXXX, even though I have been with wells fargo for XXXX Request for Investigation : I respectfully request that the CFPB investigate this matter to ensure that Wells Fargo XXXX XXXX all applicable consumer protection laws and regulations. Specifically, I seek : A thorough review of the unauthorized transactions and the circumstances surrounding them. 


An assessment of Wells Fargo 's handling of my dispute, including their failure to consider my medical condition. 


Appropriate corrective actions to resolve this issue and prevent future occurrences. 



I am prepared to provide any additional information or documentation required to assist in your investigation. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 
Sincerely, 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 2025-06-03 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: CA

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 XXXX 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 explanation
Consumer complaint received 2025-06-03 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: AL

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 explanation
Consumer complaint received 2025-06-03 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: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-06-03 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed there is fraudulent activity. This is hurting my ability to obtain new credit, please remove these accounts.

Company response to consumer: Closed with non-monetary relief