vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-11 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
This letter serves as yet another formal legal notification of my DEMAND for you to CEASE and DESIST all activities related to the above-noted derogatory misreported information. This reporting is in significant violation of lawful reporting requirements and is substantially deviant in its certifiability under mandatory XXXX XXXX format compliance. 

Additionally, your reporting fails to meet the factually required standards of : Perfect, physically verifiable accuracy Complete and demonstrated truth of reporting Certified compliance with all legal and regulatory obligations Should I remind you that ONLY PHYSICALLY VERIFIED, VALID derogatory claimsthose that are perfectly correct, completely certified, and XXXX XXXX format XXXX mandatory criteria for reporting? Anything less is not optional, but unlawful. 

I DEMAND that you PROVE the : Verifiability VALIDITY Certified XXXX XXXX format compliance Or else, IMMEDIATELY REMOVE any and all derogatory data now and in the future. 

I further DEMAND that you act in FULL ACCORDANCE with regulatory laws and reporting standards, whether mentioned by me explicitly or not. Any failure to do so will be deemed willful disregard of your legal responsibilities and an unlawful, injurious harassment of me and my consumer rights. As such, I reserve the right to file civil suit against you for court-ordered resolution and monetary compensation. 

TREAD LIGHTLY with your unproven claims that lack certifiable validity! 

AGAIN, I DEMAND that you CEASE and DESIST all reporting activities related to the above-listed derogatory student loan account ( s ) and any aspect ( s ) of said claims that remain unproven and uncertified. 

Surely, you realize it is ILLEGAL to report misleading or unverified data, especially after a formal consumer complaint has been submitted notifying you of these violations. Therefore, I DEMAND that you IMMEDIATELY REMOVE the following illegally reported allegations NOWas they fail to meet even the MINIMUM requirements of accurate reporting. 

As is my RIGHT, I DEMAND that you IMMEDIATELY OBLITERATE this misreported misinformation and permanently block it from any future reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: OH

Complaint narrative:
XX/XX/2025 Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: AZ

Complaint narrative:
This debt was paid with First Progress before it was delinquent. Please see attached screenshot of the payment confirmation from XX/XX/XXXX. It is reporting as unpaid but as you can see it was paid on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: CA

Complaint narrative:
Data breach over 3 million peoples information has been leaked and Id like all things on my credit report deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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.

Complaint narrative:
I am writing to formally request the removal of all accounts currently reported in my credit file. I have reviewed my credit report and noticed that it contains several entries that I believe should be removed for various reasons, including inaccuracies or outdated information. 

I kindly request that you investigate my credit file and take the necessary steps to ensure that all accounts reported are removed. If there are specific requirements or documents needed to process this request, please let me know, and I will provide them promptly. 

I would greatly appreciate your attention to this matter and a timely resolution. Please confirm the actions taken and provide me with an updated credit report once the requested changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXX  - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXX  XXXX XXXX - XXXX - {$4500.00} XXXX XXXX  XXXX - XXXX - {$2200.00} XXXX XXXX - XXXX - {$1200.00} XXXX XXXX XXXX  XXXX XXXX. - XXXX - {$9600.00} XXXX XXXX - XXXX - {$920.00} XXXX XXXX XXXX  XXXX XXXX. - XXXX - {$850.00} XXXX - XXXX - {$0.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to 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 non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights. 

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX XXXX  - XXXX - {$0.00} XXXX XXXX XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XXXX - {$0.00} XXXX  XXXX XXXX - XXXX - {$4500.00} XXXX XXXX  XXXX - XXXX - {$2200.00} XXXX XXXX - XXXX - {$1200.00} XXXX XXXX XXXX  XXXX XXXX. - XXXX - {$9600.00} XXXX XXXX  - XXXX - {$920.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - {$850.00} XXXX XXXX XXXX XXXX XXXX {$930.00} I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 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: MN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Mortgage Research Center, LLC
State: NC

Complaint narrative:
To Whom It May Concern, I am filing a complaint against Veterans United for failing to provide a timely refund of property taxes after the sale of my property. 

Issue : I sold my property on XXXX XX/XX/XXXX. Per my lenders policy, they were required to return any refunds, within 20 business days of loan payoff. That would be XXXX XX/XX/XXXX. 

I was owed property taxes that the city refused and returned to the lender back in XX/XX/XXXX. 

Despite allowing ample time for delivery, the funds remain outstanding, and I have not been given any resolution. 

Attempts to Resolve : I contacted the lender multiple times via phone and email. 
As of today XXXX XX/XX/XXXX, I have not received any money or confirmation of where my money is at this time. 

Additionally, in XXXX, Veterans United increased my escrow payments without providing proper notice or option to pay in advance. At closing, I had to pay not only my property taxes but also the increased escrow amount they had planned to spread out over XXXX. 

This delay has caused unnecessary hardship, as I recently moved across the country to North Carolina with XXXX children, including a XXXX baby. The burden of resolving this issue has fallen entirely on me, and the lack of communication has made it even more difficult. I expect this matter to be resolved immediately.

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 2025-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I tried to close my account with FNBO for an Amtrak credit card because they wouldn't honor their promise to waive the first year 's fee if I had signed up. They continue to charge me for the fee even though I've asked them on at least two different occasions to cancel the card.

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 2025-02-11 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

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 2025-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : Current Address and Name : My full name is : XXXX XXXX XXXX My correct date of XXXX My correct Social Security XXXX My correct address XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
My state and all applicable federal regulations, laws, and established standards for ethical and lawful reporting of consumer credit profile history MANDATE that ANY AND ALL CLAIMS be compliant, physically verifiable, and validated as bona fide, accurate, adequately complete, timely, and assigned to a known ownership of responsibility. 

I am unaware of the CERTIFIED COMPLIANCE of your reporting or of the physically verified valid nature of ANY claim regarding an inquiry, delinquency, or any derogatory item. As such, IT IS YOUR BURDEN to demonstrate documented proof that all claims meet the necessary regulations, laws, and established standards, including but not limited to Metro 2 Data Field Formatted Compliant Reporting Standards. 

It is a FACT that ANY AND ALL injury-causing subterfuge is unlawful to preserve. Beyond that, it is equally clear that you are NOT AUTHORIZED to report ANY adverse remark that remains unproven upon a requested compliance check. 

As a result, it is a fact that you must annuleffective immediatelyany and all non-compliant assertions that lack irrefutable certification in testimony of exact and full truth, correctness, timeliness, completeness, ownership and responsibility, and established evidence of compliance. Compliance must meet every single requirement outlined by the applicable mandates, statutes, acts, obligations, and laws related to credit reporting, whether explicitly mentioned or not. 

Ignorance of your obligation to compliant reporting DOES NOT EXONERATE you from your responsibility to ensure 100 % accurate, unfeigned, and Metro 2-compliant data reporting. 

Federal laws allow me to compel you to uphold or restore adequate accountability. Failure or unwillingness to do so may result in monetary compensation in my favor due to your infringements on my civil and consumer rights, as well as your violations of the laws required of you.

At this time, I demand that you demonstrate full compliance with all applicable Metro 2 reporting mandates, including every date and balance, each calculation and audit, all invoices and prevalent identities, every notation including the XXXX ( XXXX ) portioned personal identifiers, XXXX XXXX statements, all alpha, numeric, and/or alphanumeric source codes, applicable creditor classification codes, and the XXXX ( XXXX ) precisely sequenced XXXX pieces of confirmation to collections or any other obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Benht: Economic Development Corporation
State: NE

Complaint narrative:
I spoke with XXXX XXXX customer support on XXXX over the phone. I requested that my online account along with all of my personal and proprietary information be deleted and removed from their systems. The XXXX XXXX representative did not assist me but rather kept placing me on extended holds. I contacted XXXX XXXX via chat and requested my online account deletion. The chat representative stated XXXX XXXX was allowed per federal law to keep my personal information for 25 months from the time my loan was paid in full and closed. I asked when my loan was closed and they stated XXXX. I asked if my online account and personal information would be deleted on XXXX, and they responded " upper management '' stated the XXXX hold was inaccurate and that per federal law, they could hold keep my personal information indefinitely. I took screenshots of the chat conversation. At the end of the day, this company is predatory and I would like my online account and personal/proprietary information deleted from their systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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: TX

Complaint narrative:
I have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume 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 2025-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: FL

Complaint narrative:
In 2013 I did a loan modification loan with XXXX and the deferred balance was to be removed if I comply with the modification. I did comply and made the payments on time. Years later the the loan was sold to Selene Finance and the Defferred balance was added to the account again and it show that I owe that amount. I need that deferred balance removed so that I can refinance my home. I spoke to XXXX and they said Selene has to remove it but they havent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-11 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:
Dear Experian, EQUIFAX, TRANSUNION Dispute Department, I am writing to formally file a complaint regarding the unauthorized reinsertion of fraudulent accounts into my credit report. The account in question is listed as XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which I had previously disputed and was appropriately removed after it was confirmed as fraudulent. 

However, I was alarmed to discover that this account has been reinserted into my credit file without proper notification or adherence to the procedures outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

FRAUDULENT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KS 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