vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
This letter serves as your final opportunity to resolve a serious matter before I pursue legal action based on your repeated violations of the Fair Credit Reporting Act ( FCRA ), including violations of 15 U.S.C. 1681i. I have fully documented multiple reinvestigation failures, reporting inconsistencies, and noncompliance with my Method of Verification ( MOV ) request. These failures have caused me harm and undermined my right to a fair and reasonable dispute process under federal law. 
Dispute Round XXXX XX/XX/2025 On or around XX/XX/2025, I submitted disputes to Equifax for the following accounts : * XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received reinvestigation results dated XX/XX/2025. However, upon reviewing my updated Equifax credit report on XX/XX/2025, I found that none of the accounts were marked as disputed, which is a violation of 1681s-2 ( a ) ( 3 ) and 1681i ( a ) ( 6 ) ( B ). In addition, numerous discrepancies reflect an unreasonable reinvestigation : XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate and incomplete payment history XXXX Missing or incomplete amount paid field * Inaccurate high credit amount * XXXX XXXX Credit Card : * Incomplete and inaccurate payment history XXXX XXXX XXXX XXXX XXXX Incomplete and inaccurate payment history * XXXX XXXX  : * Incomplete balance history ( missing amount paid field ) These inconsistencies should have been corrected during a reasonable reinvestigation, but they were not, showing a lack of care, attention, and legal compliance on Equifaxs part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: MD

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
These fraudulent inquiries are affecting my ability to obtain credit. I need them removed immediately. 

XXXXXXXX XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$2000.00} INACCURATE DATA : XXXX XXXX : XX/XX/XXXX {$200.00} XXXX {$250.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX  : XX/XX/XXXX {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: OH

Complaint narrative:
These fraudulent inquiries are affecting my ability to obtain credit. I need them removed immediately. 

XXXXXXXX XXXX XXXX  {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1300.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$2000.00} INACCURATE DATA : XXXX XXXX : XX/XX/XXXX {$200.00} XXXX {$250.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX  : XX/XX/XXXX {$1300.00}

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 2025-05-29 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: TX

Complaint narrative:
I respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
Vance & Huffman failed to validate debt in compliance with 15 U.S.C. 1692g ( b ). They referred me to a generic portal rather than providing a signed contract or accounting. This account is unverifiable, inaccurate, and reported inconsistently across credit bureaus, violating 15 U.S.C. 1681s-2 and 1681i. I am demanding permanent deletion. Vance & Huffman failed to provide adequate debt validation under 15 U.S.C. 1692g ( b ) and continue to report inaccurate and incomplete information in violation of 15 U.S.C. 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-05-29 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Summary : I am submitting this complaint against Citibank regarding its handling of a billing dispute I filed on XX/XX/year>, for a furniture purchase ( over {$2700.00} ) made through the XXXX platform. The merchandise was damaged and not the correct color/finish I ordered. Despite my efforts to resolve the issue with the seller and through XXXX advertised XXXX XXXX XXXXXXXX XXXX, I was forced to dispute the charge with Citi when both parties refused to cooperate. 

XXXX XXXX : I submitted photographic and written evidence via email to XXXX XXXX XXXX Department, as instructed by their representative. 
I was not informed that there were any file format requirements or that Citi might be unable to view photos from a phone. In fact, I asked whether I should mail hard copies, and I was told email was sufficient. 
Citi never contacted me to request different formats or additional information. 
I was only informed by a Citi supervisor ( XXXX, XXXX ) during a follow-up call on XX/XX/year>, that the evidence I sent could not be viewed. XXXX stated that Citi " doesnt have time to contact cardmembers about every little issue. '' As a result, Citi reversed my conditional credit without reviewing my evidence and closed the case in favor of the merchant. 
This is unacceptable and represents a failure to provide a fair and transparent dispute resolution process. I made a good faith effort to follow Citis instructions, but Citi failed to notify me that my documentation was unreadable or to give me a chance to resubmit in a proper format. 

Attempts to Resolve : I emailed Citi again on XX/XX/XXXX requesting the dispute be reopened with proper review of my materials. 
I called that same day and spoke to a supervisor who could not confirm whether the case would be reviewed and indicated I should not expect a different outcome. 
She also said the only resolution would be through XXXX or the seller, despite the dispute being with my credit card company, not the platform.

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 monetary relief
Consumer complaint received 2025-05-29 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 2025-05-29 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : 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 2025-05-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: ID

Complaint narrative:
I have received multiple threatening letters from LoanDepot stating that my mortgage is deficient on hazard insurance, and that they would be buying insurance for my property at an estimated cost of {$6900.00} annually. I have had multiple verbal conversations with LoanDepot to dispute their error, with me providing documentation of nonstop coverage for the duration of my mortgage with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with 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 explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$480000.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$16000.00}

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 2025-05-29 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: FL

Complaint narrative:
Request for Deletion of Collection Account ( XXXX XXXX XXXX XXXX ) Previously Removed by XXXX  and XXXX. 

This account was already removed from all Bureaus except Equifax. Im asking for help. What should I do in order to remove this collection from my Equifax report. Im uploading documents showing proof. I have statement from collection agency stating they have requested for this to be removed as well. 

Should I file a complaint against Equifax?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I believe I'm still owed compensation from Wells fargo.this is a auto loan from 2003.

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 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
pleases remove inaccurate names as well as listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  once you have deleted the inaccurate names for my credit repot pleases send me a copy of my update 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 explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NV

Complaint narrative:
I filled a dispute with SOFI through the chat as instructed about a charge I didnt authorize however the original agent who took my dispute didnt file the claim properly. I had no idea I have not been through this before and Im just found out my mom has a XXXX XXXX so its been difficult dealing with everything so when I followed up on that dispute after one and a half two months they said there was no dispute. I refilled it with the agent XXXX yesterday around XXXX and by this morning my dispute was already denied and closed. I cant receive any more information and I have screenshots where the agent wouldnt provide me any detail details about the process to come except for wait for an email in at least 10 days I would not be receiving any credits while they investigate, but that he would make a note of it in my account that I requested it! I was scammed and my own bank that I have been with for over two and a half years and I have never disputed any fraud on any account before and the XXXX time I need help from my bank I get no help at all. I have received no response for information and they are very intimidating and rude. They trying to make you feel like XXXX  and like youve done something wrong by filing a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX # XXXX I am unaware of this debt entirely and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature, debt validation from original creditor, purchase agreement, and that you are licensed in my state to collect said debt. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action for violation of ( 604.15.USC.1681b & 15.USC.1692g ) consumer rights. Each violation as you know could result in a fine of {$1000.00} with an addition of lawyer costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: MA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-05-29 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: LA

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX XXXX * * * * * * * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX * - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: AL

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 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