vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 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: NY

Complaint narrative:
I am disputing the inaccurate and inconsistent reporting of an account furnished by XXXX XXXX on my consumer report as maintained by XXXX. The information presented contains multiple factual errors that significantly impact the accuracy and reliability of my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). 

Here are the key discrepancies : Inconsistent " Date Opened '' : XXXX lists the account as opened on XX/XX/XXXX, while XXXX reports XX/XX/XXXX. 
This creates confusion in the accounts age, which affects my credit history calculation. 

Inaccurate " Date of Last Activity '' and " Last Payment '' : XXXX shows last payment as XX/XX/XXXX and last activity as XX/XX/XXXX, XXXX shows both as XX/XX/XXXX. 
These inconsistent dates undermine the reliability of the reported timeline. 

Invalid Last Reported Date : The account is listed as last reported in XX/XX/XXXX, which is a future date. This is factually impossible and misleading. 

Balance and Credit Limit Conflict : The account is reported as charged off and closed by the credit grantor, yet still reflects a past due balance of {$4600.00}, a credit limit of {$0.00}, and a status of collection/chargeoff. 
This creates an inaccurate picture of my financial standing and implies ongoing utilization of a closed account.

Conflicting Status Comments Across Bureaus : The account is reported with differing remarks such as " Charged off as bad debt, '' " Canceled by credit grantor, '' and " Accounts closed by credit grantor, '' depending on the bureau. This inconsistency results in an unclear and misleading account status. 

These errors violate my right to an accurate and fair credit report under 15 U.S.C. 1681e ( b ) and 1681s-2. I have requested a full reinvestigation, a Metro 2compliant review, and appropriate action within the legally required timeframe. The continued reporting of this inaccurate information has caused financial harm and negatively affected my ability to obtain credit on fair terms.

I am requesting that this information be corrected or deleted immediately, and that I receive written confirmation along with an updated credit report reflecting the corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-01 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: CT

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: HILLTOP HOLDINGS, INC
State: TX

Complaint narrative:
Primelending, practices in skimming and adjusting fee to generate additional income to increase profits. 
Now, They had plenty of time to correct the issue they have ignored me.So they Decided not to pay taxes originally on XX/XX/XXXX at closing. And the money was applied to gain access to commission of $ XXXX to real estate agents. That's not including closing fees That are applicable. 
I've been writing letters for years now! 
They keep trying to get me to refinance, not until they'll pay XXXX XXXX dollars due, class action suit ; they have XXXX the system purposesly and ignore me. 
They sent XXXX XXXX XXXX, {$850.00}, {$3600.00}, XXXX received XXXX for $ XXXX from Primelending XXXX pretty sure I was paying directly to XXXX. 
I purposely did not pay the house payment in the XXXX $ XXXX. XXXX against the fake, cover up, of the errors on the fees, they passively strung me alone. 
The IRS Is investigating, as well! 
XXXX XXXX IS ALSO REVIEWING MY COMPLAINTS SINCE THEY WON'T, PLEAD GUILTY, I HAVE TO PROVE IT FIRST, THATS WHAT I AM DOING!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hello, this accounts transaction and charges are fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. Do anything necessary to remove them from my report. Please..

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 2025-04-01 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-04-01 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
My Credit Info has been merged I moved out of apartment that was transferring leasing agent move out and filled out the correct paperwork to turn over property due to rodents rent was always on time I asked for contract dealing with creditor and account had XXXX XXXX and this not the first time theyve merged my account with this person on apartments first was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: PA

Complaint narrative:
EQUIFAX CREDIT BUREAU IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT : 1 ) XXXX XXXX XXXX XXXX AMOUNT BALANCE : {$77.00}, XXXX DATE SHOWS PAID LATE : XX/XX/XXXX. THIS INFORMATION IS INCORRECT AND NEEDS TO BE INVESTIGATED AND UPDATED TO : " PAID OR PAID AS AGREED ''. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AMOUNT BALANCE : {$2900.00} DATE SHOWS : XXXX / XXXX THIS ACCOUNT IS INCORRECT NEEDS TO BE INVESTIGATED AND BE REMOVED AND DELETED FROM MY CREDIT REPORT, THANK YOU XXXX XXXX XXXX XXXX XXXX AMOUNT : {$76.00} DATE : XX/XX/XXXX THIS ACCOUNT IS ALSO INCORRECT AND NEEDS TO BE INVESTIGATED AND REMOVE AND DELTED FROM MY CONSUMER REPOT INCORRECT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: WI

Complaint narrative:
My sofi account was compromised so I want it closed and funds transferred to my linked bank Im yet to get an answer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-04-01 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX Navy Federal Credit Union sent me an email stating that my business account was considered high risk because of an estate refund check I deposited. A representative informed me that the IRS had cancelled the check therefore my account was frozen and the account was closed. Last month, I received a XXXX from Navy Federal for {$600.00}. I also received a XXXX from the IRS for {$13000.00}. My problem is, if a check was cancelled by the IRS how is the account still getting interest and why did I receive a XXXX from Navy Federal and the IRS? I will submit additional documents to show that Navy Federal illegally withheld funds that belong to me, froze my account and then closed the account without just cause and a complaint form from the IRS stating that the check was cashed and paid. Nothing about the check being cancelled. I also have a letter from them dated XX/XX/XXXX about a DEPOSIT that was made to said account stating that the U.S. Treasury said that the check was unauthorized! But the treasury hasn't contacted me about this. I want to know why I was lied to about the funds and why after 6 months is Navy Federal deducting money from an account that they closed and issued a XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the Equifax, Experian, and Transunion data breach.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I looked at my credit report back on XX/XX/year> and notice some things are incomplete and not accurate on my credit report. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates too. 

I sent a letter asking them to re-investigate these account listed below ( XXXX XXXX XXXX ) open date is not reporting correctly date last active date of last payment is not correct. This account is not accurate. 

( XXXX XXXX XXXX ) open date is not reporting correctly date last active date of last payment is not correct. This account is not accurate. 

( XXXX XXXX XXXX ) open date is not reporting correctly date last active date of last payment is not correct this account is not accurate and this account is closed and needs to be off my credit report ( XXXX XXXX ) open date is not reporting correctly date last active date of last payment is not correct this account is not accurate and this account is closed and needs to be off my credit report ( XXXX XXXXXXXX ) open date is not reporting correctly date last active date of last payment is not correct this account is not accurate and this account is closed and needs to be off my credit report. 

( XXXX XXXX ) open date is not reporting correctly date last active date of last payment is not correct this account is not accurate and this account is closed and needs to be off my credit report. 

( XXXX XXXX XXXXXXXX ) open date is not reporting correctly date last active date of last payment is not correct this account is not accurate and this account is closed and needs to be off my credit report ( XXXX XXXX XXXXXXXX ) open date is not reporting correctly date last active date of last payment is not correct this account is not accurate and this account is closed and needs to be off my Credit report ( XXXX XXXXXXXX ) open date is not reporting correctly date last active date of last payment is not correct this account is not accurate and this account is closed for over XXXX  years needs to be off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: AZ

Complaint narrative:
On XX/XX/XXXX we had a conference call with CITI and XXXX at XXXX XXXX. We were told they would be returning the money. On XX/XX/XXXX we had another conference call and XXXX sent letters stating her company 's billing dept had made an error and since I canceled the policy I should get the {$600.00} back. We were again told I should receive the credit in a few days. On XX/XX/XXXX I talked to a rude condescending supervisor at CITI. On XX/XX/XXXX I talked to XXXX, XXXX, and XXXX and he said I should have the money in 2 days but it could take 2 weeks. On XX/XX/XXXX XXXX at CITI and XXXX at XXXX and I had a third conference call at XXXX 's request and we were assured the money should be returned. On XX/XX/XXXX I called and talked to XXXX and XXXX, XX/XX/XXXX I talked to XXXX and XXXX and was told I WOULD get the money back by Friday XX/XX/XXXX! On XX/XX/XXXX I talked to XXXX on XXXX XXXX and she said XXXX sent me an email and he should be calling me. His response in the email was that I opened the dispute with the incorrect reasoning, It seemed like it was my best choice of drop down boxes onXXXX! He has not called yet. According to the Insurance documents the CITI payment on XX/XX/XXXX was not accepted which started this whole problem! I disputed this issue 2 times because I was stuck between these 2 agencies! 40 phone calls have failed to produce anything, many of these were an hour or more.

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 2025-04-01 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: AL

Complaint narrative:
And the account was deleted off my other credit report accept 1 Dear Sir/Madam, I am writing to formally dispute the account referenced by your organization under the name KINUM Inc XXXX I have no knowledge of this account and have not authorized, opened, or engaged in any activity regarding this account. I request that this account be thoroughly reviewed and removed from any records associated with my name. 

Additionally, I would like to notify you that I have recently changed my address. Please update your records with the following new address : In accordance with the Fair Credit Reporting Act ( FCRA ) [ or relevant law in your jurisdiction ], I am requesting that you cease reporting any information related to this disputed account and provide me with any documentation supporting the claim of the account under my name. 


Thank you for your immediate attention to this matter. Please confirm that the necessary updates have been made. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It's been a month since I lodged a complaint with these Bureaus, yet the incorrect information on my report remains unchanged. I haven't received any updates from them, except for your notice that the company responded to my complaint. How can I be sure they thoroughly looked into the inaccuracies? What measures did they take to confirm the accounts? This whole situation is quite frustrating, particularly since more than 30 days have passed since I submitted my complaint.

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 2025-04-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
They took some of my child support money and more.

Company response to consumer: Closed with explanation