vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: American Financial Network Inc.
State: TX

Complaint narrative:
Between XXXX and XX/XX/year>, I endured a pattern of fraud, harassment, and retaliation involving AFN and Producing Branch XXXX XXXX XXXX. In XXXX, XXXX falsely represented that AFN would process a XXXX  XXXX loan for a buyer- but never initiated underwriting, while repeatedly promising false closing dates that cost said buyer over {$210000.00} in penalties. 
For another buyer He misrepresented an appraisal ( claiming {$470000.00} when the actual value was {$340000.00} ), pressured parties into unnecessary contract amendments, and escalated to harassment with inappropriate texts and public disparagement that harmed my reputation. Despite my formal complaints to HR and Regional Supervisor XXXX XXXX in XXXX, AFN exposed my private messages to Dellabate instead of intervening, allowing him to continue contacting clients through late XXXX. In XXXX, AFN counsel XXXX admitted XXXX was no longer employed yet failed to notify clients, denied negligent supervision, and trivialized over XXXX  XXXX in damages by offering only {$7000.00}. AFNs actions and inaction not only enabled ongoing misconduct but also inflicted lasting financial, reputational, and emotional harm.

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 2025-09-09 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: LA

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

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 2025-09-09 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: MO

Complaint narrative:
This is a formal follow-up regarding my previous disputes concerning the fraudulent accounts appearing on my credit report. I did not authorize these accounts, and their continued reporting constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Despite months of disputes and the submission of supporting documentation, including my FTC Identity Theft Report, these false and inaccurate entries remain on my report. The FCRA requires that consumer reporting agencies ensure maximum possible accuracy. Your failure to remove these fraudulent accounts after receiving proper notice and documentation raises serious compliance concerns.

I demand immediate corrective action to permanently delete these accounts from my credit file without further delay. If these accounts are not removed promptly, I will have no choice but to escalate this matter, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all other remedies available under the law. 
This is your final opportunity to comply before further action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: WA

Complaint narrative:
I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
I requested updated credit reports and I requested the following accounts be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested that the following accounts be deleted and removed through the inaccuracy and they're holding me back from getting credit and establishing my business I plan on housing XXXX  XXXX  and doing XXXX  XXXX  and these accounts are stopping me from getting funding and I had a mental breakdown and had to go to XXXX XXXX XXXX I sent the letter when I was there but it wasn't enough information so please help me get my updated credit reports from all the following bureaus and all the companies involved 15 usc 1681 e ( b ) 15 usc 1681 s -2 usc 1. ( 5 ), 15 usc 1681 c ( c ) XXXX XXXX XXXX validation and Deb validation requested fdca section 807 misleading false report HIPAA law this is a violation of my consumer rights and should be updated and I should get updated credit reports from all the following bills and the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-09-09 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: GA

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: WA

Complaint narrative:
National Credit Adjusters ( NCA ) is trying to collect a debt they claim I owe to XXXX XXXX for {$790.00}. Their letter was addressed to XXXX XXXX XXXX. My legal name is XXXX XXXX, and I do not use the name they listed. 

I do not believe I havetaken out a payday loan with XXXX XXXX. On XX/XX/year>, I sent NCA a written dispute and request for validation by certified mail. I asked for documents proving the debt, including the signed contract, payment history, assignment records, and an explanation of why the account is under the wrong name. 

Instead of providing that, NCA simply sent back a letter saying the debt is mine, without supplying any proof. They are still reporting this account to the credit bureaus. 

This seems to be a violation of : FDCPA 809 ( 15 U.S.C. 1692g ) failure to properly validate the debt. 
FDCPA 807 ( 15 U.S.C. 1692e ) false or misleading representation ( wrong name ).

FCRA 623 ( 15 U.S.C. 1681s-2 ) furnishing inaccurate information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: CBC Companies, Inc.
State: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to block information resulting from identity theft from being included in my consumer report. Reinsertion of such information without substantial proof of my responsibility is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, I have the right to block information resulting from identity theft from being included in my consumer report. Reinsertion of such information without substantial proof of my responsibility is a violation of my rights.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from 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 2025-09-09 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: IN

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Better Mortgage, Inc.
State: NC

Complaint narrative:
Closed on XX/XX/XXXX with Better Mortgage multiple times beginning XX/XX/XXXX Contacted multiple times Contacted Mortgage company blatantly lied that they could not disburse funds due to a hard copy recording required by county. XXXX XXXX NC accepts electronic filing. Now it's Friday at XXXX on a holiday weekend and I get an email that the wire portion was completed, but did not receive payoff checks until the XX/XX/XXXX. Now I am faced with incorrect payoffs. Checks that that still have to be remailed to my debtors and additional per diem and interest. Not acceptable. 
Now come to find out without disclosure that Better had the title insurance issued to them and not us. 
I have called them several times since and no one is returning my calls but blowing up my email asking for referrals? Seriously? I have lost time at my job... miles on my vehicle to drive a payment before I incurred late fees.... 
My husband and I are both semi XXXX XXXXXXXX persons. I do XXXX XXXX any more and have an a AXXXXA for serious XXXX  issues and my husband has XXXX XXXX XXXX. Even though I initiated the loan the process has been a nightmare for us both physically financially and emotionally. 
Predatory Our first payment is supposed to be due on XX/XX/XXXX and I still do not have payment information. 
When I did speak to someone in the beginning of this mess and requested a postponement of 1st payment " XXXX '' literally laughed in my face and said " yeah that's not going to happen '' only to find out he has no hierarchy to even make the statement. Just another customer service person I was assigned to to keep me quiet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: DE

Complaint narrative:
They kept sending me around in circles and would not listen to my bank. Transferring me around and around

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: NY

Complaint narrative:
This letter serves as a formal dispute and demand for immediate deletion of XXXX unauthorized hard inquiries currently appearing on my TransUnion credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX XXXX XXXX Date : XX/XX/year> i do not recgonize it i did not anuthrize it remove it!

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 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, my family from XXXX sent me an international wire of XXXXUSD from the initiating bank, XXXX XXXX XXXXXXXX XXXX XXXX, to the recipient bank American Express National Bank . However, I later came to my attention that the fund was never received. It was when i called back to the customer support, I was informed that the SWIFT code I gathered with a prior representative was false and AMEX is no longer conducting international wiring business for personal banking services. Although the SWFIT code was listed on an American Express website and on multiple other legitimate and credible website, the fund is now identified as delivered to American Express Travel Related Services Company. My initiating bank in XXXX has conducted a Wire search and the fund has been reported as received. The fund was received on XX/XX/year> after deducting service fee, the total received amount is XXXXUSD. The false SWIFT code used was XXXX. 

I have initiated a wire recall under the instruction of the American Express National Bank Accounts Processing Team. But no further progress nor updates have been yielded in the past month. The team at AMEX is getting harder and harder to reach, often times put me on hold and claims they are in meetings. I feel like my fund is getting away from me the longer this issue persists and dissipates into bad loans or debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: KY

Complaint narrative:
It has come to my attention that my personal information has been exposed in a XXXX  data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the accounts I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a XXXX  data breach.

Company response to consumer: Closed with non-monetary relief