vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Kind Holdings, LLC
State: WA

Complaint narrative:
I am a veteran who refinanced my home with Kind Lending in XX/XX/XXXX using a VA loan. At the time of the refinance, I had an active BDD ( Benefits Delivery at Discharge ) XXXX claim filed in XX/XX/XXXX, well before my separation from service in XX/XX/XXXX. 

Under VA XXXX XXXX, lenders are required to submit VA Form XXXX to verify potential funding fee exemption when a veteran has a pending XXXX claim and no exemption letter at the time of loan processing. Kind Lending failed to submit this form. 

As a result of this procedural failure, I was charged a VA funding fee that likely would have been waived. The VA confirmed to me that my BDD claim, which included medical appointments and documentation prior to the refinance, would have been eligible for exemption consideration had the form been submitted. However, because the effective date of my XXXX rating is post-refinance, the VA can not refund the fee after the fact. 

Timeline : XX/XX/XXXX : BDD XXXX claim submitted XX/XX/XXXX : Refinanced through Kind Lending XX/XX/XXXX : XXXX / XXXX claim finalized at 10 % XXXX XXXXXX/XX/XXXX : I contacted Kind Lending to dispute the funding fee and share the VA 's guidance Following that, Kind Lending ceased all communication The employee who acknowledged the lender 's mistakeand provided documentation from my loan file showing the required form was never submittedwas terminated shortly after What Im Requesting : Formal investigation into Kind Lendings failure to follow VA lending procedures Pressure on the lender to take corrective action, including reimbursement of the VA funding fee or assistance in coordinating a remedy with the VA XXXX of potential deceptive lending practices or obstruction of communication once the error was brought to their attention Veterans rely on lenders to follow established protocols that protect their benefits. In this case, Kind Lending 's neglect and silence have resulted in a direct financial loss to me and possibly to others in similar circumstances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX * * * Balance Owed : {$1200.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$450.00} XXXX  XXXX * * * Balance Owed : {$1200.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$410.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX * * * Balance Owed : {$1200.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$450.00} XXXX  XXXX * * * Balance Owed : {$1200.00} XXXX XXXX * * * * * * * * * * Balance Owed : {$410.00}

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 2025-04-23 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: NC

Complaint narrative:
The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$4000.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$2800.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XX/XX/year>

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute a late payment reported on my credit report for the following account : Creditor XXXX XXXX  Account Number : XXXX This late payment is inaccurate and should be removed in accordance with the Fair Credit Reporting Act. 
At the time of the payment, I was in a relationship with someone who had access to my personal laptop. After the relationship ended, I discovered that this individual had accessed my account without my permission and intentionally disabled my autopay settings. They later admitted over the phone that they were the one who made those changes. As a result, the scheduled payment was never processed, and I had no idea it failed until I noticed the late payment reported to the credit bureaus. 
I have since secured my accounts and changed all login credentials to prevent any future unauthorized access. I take my credit seriously and have a history of responsible payments, so this isolated late mark caused by tampering from someone else is not an accurate reflection of my creditworthiness. 
This situation falls under the protections of the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681s2 Furnishers are required to report accurate information and must correct any inaccuracies when notified 15 U.S. Code 1681i Credit reporting agencies must investigate disputed items and delete any unverifiable or inaccurate information within 30 days Because this late payment was caused by unauthorized access and not intentional nonpayment, I am requesting that it be removed from my credit report. If the furnisher can not provide documented evidence that I personally initiated the changes that led to the late payment, it must be deleted as required by law. Please notify me of the results of your investigation, and I appreciate your time and cooperation in resolving 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 explanation
Consumer complaint received 2025-04-23 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:
I am writing to formally dispute a late payment reported on my credit report for the following account : Creditor XXXX XXXX  Account Number : XXXX This late payment is inaccurate and should be removed in accordance with the Fair Credit Reporting Act. 
At the time of the payment, I was in a relationship with someone who had access to my personal laptop. After the relationship ended, I discovered that this individual had accessed my account without my permission and intentionally disabled my autopay settings. They later admitted over the phone that they were the one who made those changes. As a result, the scheduled payment was never processed, and I had no idea it failed until I noticed the late payment reported to the credit bureaus. 
I have since secured my accounts and changed all login credentials to prevent any future unauthorized access. I take my credit seriously and have a history of responsible payments, so this isolated late mark caused by tampering from someone else is not an accurate reflection of my creditworthiness. 
This situation falls under the protections of the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681s2 Furnishers are required to report accurate information and must correct any inaccuracies when notified 15 U.S. Code 1681i Credit reporting agencies must investigate disputed items and delete any unverifiable or inaccurate information within 30 days Because this late payment was caused by unauthorized access and not intentional nonpayment, I am requesting that it be removed from my credit report. If the furnisher can not provide documented evidence that I personally initiated the changes that led to the late payment, it must be deleted as required by law. Please notify me of the results of your investigation, and I appreciate your time and cooperation in resolving 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 2025-04-23 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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:
Upon reviewing my credit report, I noticed two late payments listed for an account that was paid on time. This reporting is incorrect. All information on a credit report must be accurate, per the Fair Credit Reporting Act. This account has never been delinquent. I've attached supporting documentation, including my report and dates XX/XX/year>, XX/XX/year>, XX/XX/year>. I kindly request an investigation and a correction to reflect accurate payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Upon reviewing my credit report, I noticed two late payments listed for an account that was paid on time. This reporting is incorrect. All information on a credit report must be accurate, per the Fair Credit Reporting Act. This account has never been delinquent. I've attached supporting documentation, including my report and dates XX/XX/year>, XX/XX/year>, XX/XX/year>. I kindly request an investigation and a correction to reflect accurate payment history.

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 2025-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lyons, Doughty & Veldhuis, PC
State: MD

Complaint narrative:
his complaint centers around LDVs fraudulent filings and mail interference uncovered on XX/XX/XXXX, LDV has knowingly submitted false affidavits of service, manipulated court filing dates, obstructed my access to account information, and falsely claimed I was unreachabledespite my repeated, documented attempts to contact them and even purchasing my own case file. I urge your office to investigate LDVs conduct, as my case may be part of a broader pattern of systemic abuse. 

Attached Documentation Demonstrates : The first process server allegedly received legal documents on XX/XX/XXXX, and discontinued service by XX/XX/XXXXXXXX XXXX XXXX XXXX hours later, without any real effort to serve. 

They filed a false affidavit of non-service on XX/XX/XXXX, XXXX a month later, in direct violation of Maryland Rule 3-126 ( d ) ( which requires prompt filing ). 

At no point was I notified of the lawsuit or given a chance to respondthis was a clear due process violation, and it caused significant harm to my credit and employment prospects. 

Critical Timeline Note : The XX/XX/XXXX filing marks when I first discovered a second affidavit of non-service and realized LDV had covered up the initial service failure through fraudulent filings. 

That same XXXX filing triggered a new chain of misconductincluding a fraudulent Change of Address ( CoA ) submitted without my consent, which began redirecting my mail to an address I did not authorize. 

Tonight ( XX/XX/XXXX ) marks the three-year deadline under the statute of limitations for pursuing legal action based on this discovery. 

The second affidavit and resulting address manipulation will be addressed more fully in a future complaint, but I am submitting this now to preserve my right to hold LDV accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NV

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXXRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-23 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCED {$3000.00} These accounts has resulted in several appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 2025-04-23 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment 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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am supposed to receive a bonus of {$320.00} for opening a checking account, and it has been more than 30days since I met the requirements and I haven't received my bonus yet. I even called customer service multiple times, and each one of them giving me different stories. Some of the agents don't even award of the the bonus promotion requirements.

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 2025-04-23 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/1989, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of : 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 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 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  - Incorrect XXXXXXXX XXXX  - Incorrect Personal XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXXXXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief