vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: CA

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. 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 : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX 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

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 2025-06-26 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: GA

Complaint narrative:
This complaint concerns an account being inaccurately reported by both XXXX  and Equifax under XXXX XXXX, account number ending in XXXX, with a reported delinquency dated XX/XX/year>. Both credit bureaus are displaying a late payment for this account, even though the balance and past due balance are both listed as {$0.00}. This is an outright contradiction and a serious misrepresentation of my payment history. 

An account with no outstanding balance and no past due amount should not be reported as delinquent. By continuing to display a late payment entry on a {$0.00} balance, XXXX  and Equifax are effectively publishing a false and misleading credit profile. I have not received any explanation or documentation validating this derogatory notation. It appears to be the result of flawed reporting or data handling on the part of the furnisher or the bureaus themselves not due to any delinquent behavior on my part. 

This incorrect late payment has already harmed my credit standing and poses a continuing risk to my access to fair credit opportunities. It inaccurately reflects my payment behavior and fails to meet the standards of accuracy required under federal law. I am not alleging identity theft, and I do not consent to any fraud alert. This issue originates from the credit bureaus failure to properly verify, correct, or remove demonstrably incorrect information, despite the fact that I have no active balance, no delinquency, and no outstanding obligation on this account. 

Under the Fair Credit Reporting Act ( FCRA ), both XXXX  and Equifax are legally obligated to maintain only accurate and verifiable information in consumer credit files, as stated under 15 U.S.C. 1681e ( b ). Additionally, under 15 U.S.C. 1681i, I am entitled to dispute any incorrect data and to expect a lawful reinvestigation that results in the removal or correction of unverifiable entries. Neither bureau has produced documentation confirming the validity of the XX/XX/year> late payment, and without such evidence, they are in direct violation of the FCRA by continuing to report it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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, one 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 30 days, 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 explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Interest rate
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Prior to closing my HELOC I requested information on the closing costs and proposed interest rates for the loan from the Loan Officer. She responded that the closing costs would be {$230.00} and the rates would be 6 % for the first 9 months and then 7.5 % there after. Up to this point they had said nothing about the costs or interest rates. My current HELOC from them was schedule to be up at the end of XXXX. When I received the first statement in XXXX the listed rate was 7.79 % I called and a representative said that they would likely issue a credit for the difference. Apparently not as no credit was issued and the same rate was listed for XXXX. I emailed the loan officer about the issue and she responded " Let me do some research and get back to you '' She never got back to me and has not responded to my follow up emails. I called again today and spoke to an online representative who was not helpful and only said she would report the problem, what ever that means!

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 2025-06-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX MD XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report. 
I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on XX/XX/XXXX, XXXX. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ), the XXXX XXXX ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
This letter serves as a formal and final demand for the immediate permanent deletion of all unauthorized credit inquiries listed below from my consumer file. These inquiries were made without my knowledge, without my consent, and without a legally permissible purpose, as required by federal law. I did not apply for credit with these entities, I did not authorize these pulls, and I have received no services or accounts from them. 

I am not asking. I am demanding deletion. You are legally required to comply. 

Unauthorized Inquiries DELETE IMMEDIATELY : XXXX XX/XX/XXXX XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries are illegal. You have no signed authorization. You have no permissible purpose. You have no proof. You are in direct violation of : FCRA 1681b No inquiry may be made without a legitimate and verifiable purpose FCRA 605B You must BLOCK fraudulent or unauthorized data within 4 business days FCRA 611 ( a ) ( 7 ) If you claim an inquiry is valid, you must provide the method of verification in writing FCRA 1681n Willful non-compliance makes you liable for damages METRO 2 XXXX  Standards Any deviation from CRRG-compliant reporting procedures makes you liable for false reporting I have provided the required documentation to prove that I am a victim of identity theft, including : FTC Identity Theft Report Government-issued ID Social Security Card Proof of Address Screenshots and Data Breach Records There is zero justification for allowing these inquiries to remain. You are on notice. You have 30 days under federal law to respond to this dispute. But under FCRA 605B, you are required to block fraudulent inquiries within 4 business days. 

If I do not receive written confirmation that ALL unauthorized inquiries listed above have been deleted, I will take the following actions without further notice : File a formal complaint with the CFPB File a complaint with the FTC Submit a complaint to the State Attorney General Pursue legal action under FCRA 1681n for willful noncompliance Request statutory, punitive, and actual damages in federal court Let me be crystal clear : If you can not produce physical evidence of signed authorization, delete the inquiries immediately. I am not waiting on investigations that go in circles. I do not need excuses. I need confirmation. 

I will pursue every legal remedy available to me if this is not corrected immediately. 

You have the documentation. You have the law. You now have the demand. 
Act accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 :

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 2025-06-26 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$610.00} XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$180.00}

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 2025-06-26 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: PR

Complaint narrative:
I am disputing the reporting of this account as a charge-off under the Fair Credit Reporting Act ( FCRA ). I request a full method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and demand that you provide the original documentation supporting this charge-off claim, including : A copy of the original signed agreement; A complete payment history ; Proof that the account was legally charged off in compliance with applicable laws.

If the account can not be verified with documentation directly from the furnisher, or if your reinvestigation relies solely on automated reporting ( e-OSCAR ), then you are required to delete this unverifiable information under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Please complete your reinvestigation within the required 30-day timeframe.

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 2025-06-26 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: PR

Complaint narrative:
I am disputing the reporting of this account as a charge-off under the Fair Credit Reporting Act ( FCRA ). I request a full method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and demand that you provide the original documentation supporting this charge-off claim, including : A copy of the original signed agreement; A complete payment history ; Proof that the account was legally charged off in compliance with applicable laws.

If the account can not be verified with documentation directly from the furnisher, or if your reinvestigation relies solely on automated reporting ( e-OSCAR ), then you are required to delete this unverifiable information under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Please complete your reinvestigation within the required 30-day timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CT

Complaint narrative:
On XX/XX/year> I sent a letter to Transunion requesting removal of unauthorized inquiries from my report. I did not receive a response nor change.

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 2025-06-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00} INQUIRIES : XXXX  Date : XX/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 non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I applied for a loan with Ace Cash Express but was denied. Despite being denied, I was still charged {$290.00}. This charge is unauthorized and was never disclosed or agreed to. I tried to call their customer service but only got an automated system with no option to speak to a live person. The nearest physical location is in XXXX XXXX, which I can not reach. I have also emailed them and received no resolution. I want a full refund of the {$290.00} immediately. L This feels like fraud or predatory behavior. I never signed for or agreed to a {$290.00} charge for a loan that was ultimately denied. I need help resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Carvana Group, LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to describe my experience with Carvana regarding my recent vehicle purchase and the issues I have encountered. 

I began the purchasing process with Carvana and provided all requested documentation, including my W-2, the last six months of bank statements, and a doctors statement confirming my permanent XXXX ( Type XXXX XXXX ) XXXX I also provided my XXXX XXXX account information, which is linked to XXXX XXXX. On XX/XX/year>, Carvana confirmed my order and assured me that everything was in order. I have a receipt and supporting documents that I will send to the CFPB, including screenshots of my purchase process and account details showing that they deducted money from my account the following morning, XX/XX/XXXX. 

However, on XX/XX/XXXX, I received a call from Carvana stating that I needed to provide proof of income again. This was confusing, as they had already reviewed my documentation, confirmed my order, and scheduled a delivery date for XX/XX/year>. I expressed my concerns during the call, stating that I could have gone to a dealership nearby instead of waiting for Carvana to process my order. I was informed that my refund would take 10-15 business days to process. 

Unfortunately, I did not contact my bank immediately, and I waited until XX/XX/XXXX, which marked the XXXX business day, to follow up. As of now, I have not received my full refund of {$3600.00}, which I put down as a deposit. This delay has put me in a difficult situation, as I urgently need another vehicle due to my XXXX. 

I am prepared to take legal action against Carvana, as I have evidence from previous experiences of other customers who have faced similar issues with the company. I believe this situation is unacceptable, and I hope to resolve it promptly. 

Thank you for your attention to this matter. I look forward to your assistance in addressing my concerns. 

Sincerely, - XXXX. XXXX. XXXX XXXX

Company response to consumer: Closed with explanation