vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX OH, XXXX}\n\n{CFPB}XXXX}\n\nTo Whom It May Concern,\n\nThis letter is a formal complaint that TransUnion, Equifax, and Experian are reporting inaccurate and incomplete credit information.\n\nAccording to the Fair Credit Reporting Act, Section 609 (a) (1) (A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.\n\nI demand to see verifiable proof (i.e.: an original consumer contract with my signature on it) that you have on file for the account listed below.\n\nYour failure to positively verify these accounts has hurt my ability to obtain credit.\n\nFurnishers must not report information they know or have reasonable cause to believe is inaccurate (1681s2(a)(1)(A)).\n\n15 U.S. Code  1681b:Accuracy of report\nWhenever 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.\n\n\n\n\n\n\n Under the FCRA, in accurate and unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.\n\nI demand that the following account be verified or removed immediately:XXXX XXXX, account number XXXXDate last active incorrect with all three Bureaus. Delete\nXXXX XXXX XXXX  account number XXXXaccurate last active date, TransUnion Equifax. Delete.\n3.XXXX. Last active date incorrect do not match.\XXXX. Account#s TRANS UNION XXXXExperian account number XXXXEquifax account number XXXX XXXX XXXX XXXX. Last active date incorrect do not match.\nTrans Union account number XXXXExperian account number XXXXEquifax account number  XXXX XXXX XXXX  Account number, TransUnion and Experian XXXX  Last active date incorrect do not match.\nEach company is also using more than one name for me then what is on my drivers license as well as multiple addresses that are no longer active and not on my current drivers license.\n\nIn addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file.\nAccounts PDF added and photo of current license to validate my correct name and address.\nUnder federal law, you have thirty (30) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen (15) days of the completion of your re-investigation.\n\nThank you,\n\nXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to dispute inaccurate and inconsistent information appearing on my credit reports from all three major credit reporting agencies ( XXXX, TransUnion, and XXXX  ). This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The following account ( s ) are being disputed : Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Dispute Reason : This is not only inaccurate or unverifiable, but is also being reported differently across the three bureaus, which further undermines their validity and accuracy. 

According to FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to maintain reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. 

Under FCRA 611 [ 15 U.S.C. 1681i ], when a consumer disputes information, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information can be verified. If it can not be verified or is found to be inaccurate, it must be promptly deleted from the consumers file, typically within 30 days. 

Given the inaccurate and inconsistent reporting across the bureausand the lack of verifiable documentation provided to support the validity of these accountsI am formally requesting that these accounts be immediately removed from my credit reports as required by law. 

Please complete the reinvestigation and provide written confirmation that the disputed accounts have been deleted. 

Thank you for your 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: 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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, XXXX that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely. 

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within XXXX XXXX, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CT

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Transfer of " interests '' by XXXX XXXX XXXX  XXXX XXXX Salesman on XXXX XXXX, 2024 who showed me a contract that showed charge of {$23000.00} for consoladitated loan which included an {$11000.00} principal from a prior loan. I understood that the AMEX credit card issued to me was to pay off that loan. Phone communications with finance dept at XXXX XXXX XXXX XXXX stated that the {$24000.00} charge put on the AMEX card had nothing to do with that loan. Thus I contacted AMEX to dispute the charge to explain what the charge was for. All they sent me was a copy of the contract which only had the {$23000.00} charge and a line of numbers representing " interests. '' They dropped my dispute and so I issued another dispute for the {$23000.00} wanting an explanation for both charges. Again they dropped the dispute without giving me any new information. I wrote a certified demand letter to the XXXX Owners office and copy to the XXXX XXXX 7th floor sales office -- -- and have gotten NO response ( XX/XX/XXXX, and on XX/XX/XXXX ). The bunch of numbers representing interests -- include transfered insterests -- - so what exactly did they sell me and how do they value it to be over {$35000.00} which includes the AMEX charge and the XXXX in the loan? How can they sell and charge me something without explaining it? I was simply told that they would be decreasing my maintenance fees! They cheated me and LIED to me! AMEX says that they will not supply the info to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX  XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XXXX XXXX, XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Lennar Financial Services, LLC
State: IN

Complaint narrative:
We put XXXX in escrow while attempting to purchase a home through Lennar mortgage. We got denied and were cleared to receive our escrow back on XX/XX/XXXX. It took almost XXXX weeks to receive the mutual agreement to sign. After signing the agreement on XX/XX/XXXX lennar stated it can take XXXX weeks to receive said check. This is astounding as other lenders and builders wire money and send checks in XXXX days. Other companies also send said checks in an overnight envelope or atleast a secure packaging with tracking. Lennar did not. The check never came to our location at said address and we were never able to confirm that the check was written and processed as there is no tracking number. It takes days to hear back from anyone and the sole person I communicate with does not have any power nor does he have much info on what can be done. They since have offered to spend a week canceling the check and another XXXX weeks to process and re mail the check. We are exceeding the time frames provided by Lennar which are already extreme. I need my escrow money back in a secure and safe way and in a faster way as well as I am beginning to face financial struggle as I've given lennar my savings in attempt to purchase a home. I also was told money in escrow is tangible and easy to pull and send. Nothing in the process has made sense, every step has been extremely slow and painstaking and Lennar does not care. They stated that they will change said process for no one. So here I am filling a complaint in hopes that the process can change to better serve the suppliers. XXXX weeks to receive a large sum of money in a non secured envelope by mail is unacceptable for such a large corporation to put said customers through. Its my money and I need it now. I am beginning to face fees as well for various projects I have through my business that are stored at other businesses locations and I am being charged storage fees. Im also falling behind on bills and feet as I have just recently opened a XXXX XXXX XXXX XXXX. This cushion I provided to Lennar is extremely important for me to have without providing reasons, but just to name a few like I stated, im beginning to lose patience and there's little communication back from Lennar. At this point of today on XX/XX/XXXX I still have no solutions or money and it could be almost a month out which I believe breaks legal binding contracts we have with lennar. Im looking for a real solution and I'd like my money back and I'd like to be considered for monetary relief for my suffrage. Thank 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 explanation
Consumer complaint received 2025-06-19 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: SC

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 : 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} 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, Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXXXXXX 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, Balance : {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
This card is closed requested annual fees to be waived I am trying to pay off this card and cant with the interest rates and fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
Recieved a call from XXXX. When I answered, they identified themselves as XXXX XXXX. They said I was being sued for a debt that I owe to XXXX XXXX. Provided me with a case number and transfered me to someone claiming to be from XXXXXXXX XXXX XXXXXXXX. Phone number XXXX. Would not provide any address but said they were in XXXX XXXX. 

They threatened me with a lawsuit, saying I would be served tomorrow between XXXX am and noon. They knew about my current credit accounts so they have illegally accessed my credit report. They threatened to file a lien against my home and have all my credit cards closed. 

They are calling my family, friends, and even my ex husband. 

The debt they are threatening me about does not exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: AZ

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-06-19 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: SC

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: 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 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

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 2025-06-19 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: TX

Complaint narrative:
. Unfortunately, I have found several inaccuracies and entries of information on my consumer report and would like accounts updated effective immediately. Personal information. only the name. XXXX XXXX should be present on my consumer report following names are aliases and must lawfully be removed from my consumer report per 15 USC 1681. The names XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

XXXX XXXX XXXX XXXX XXXX and, XXXX  Are inaccurate aliases and must be removed immediately. 

this incorrect information in the YEAR OF BIRTH XXXX  must be removed Only the address My main address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Should be present on my consumer report. This address is correct. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses .. the following non mailable addresses must be removed 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 XXXXXXXX these non mailable addresses must be removed immediately. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this information must be removed from my credit report because it is incorrect. I have no arrangements with these institutions. I do not know where this information came from. Please remove this incorrect information from my credit report. Per 15 USC 6802

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