vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently sent over a dispute. Equifax never provided me with validation of who they spoke with to validate accounts and the original contract of account. 

This letter serves as my third formal dispute regarding inaccurate and inconsistent information being reported on my credit file. I have previously submitted disputes to both the credit bureau and the original furnisher, yet no satisfactory resolution has been provided. 

The account in question is being reported inaccurately to XXXX of the XXXX major credit bureaus, while not appearing at all on the third, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). This law mandates that all information furnished to consumer reporting agencies must be reported with maximum possible accuracy.

Reporting an account to some, but not all, credit bureausespecially with differing or incomplete informationraises concerns about the accuracy and integrity of the data being supplied. This inconsistency misrepresents my creditworthiness and results in unfair treatment by potential lenders or creditors.

Furthermore, under 15 U.S.C. 1681i ( a ), once a consumer files a dispute, the credit reporting agency is required to conduct a reasonable reinvestigation and correct or delete any information that can not be verified. Despite this requirement, no proper documentation ( such as the original agreement or legally valid proof of account ownership ) has been provided to substantiate the reporting.This is my final attempt. Next I will file a lawsuit under the Fair Credit Reporting Act ( FCRA ) if the inaccurate information is not corrected within a set period ( typically 1530 days ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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:
Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute and Validation Request XXXX XXXX XXXX ( {$2300.00} ) Dear Equifax Dispute Department, I am writing to formally dispute the collection account being reported on my Equifax credit report under the name XXXX XXXX XXXX, with a balance of {$2300.00}. I assert that this account is either inaccurate, unverifiable, or not legally authorized to be reported, and I am demanding its permanent deletion under my rights granted by federal consumer protection laws.

Applicable Consumer Protection Laws : 15 U.S.C. 1692c ( c ) Cease Communication Under the Fair Debt Collection Practices Act ( FDCPA ), once a consumer disputes a debt and requests no further contact unless validated, the debt collector must cease all reporting and collection efforts until such validation is provided.

15 U.S.C. 1692g Validation of Debts You are required to provide written validation of this debt, including detailed information such as the original creditor, the amount owed, and proof of your legal right to collect.

15 U.S.C. 1681o Civil Liability for Negligent Noncompliance Failure to reasonably verify or remove inaccurate information may subject Equifax to civil liability for damages.

Debt Validation Request : In accordance with my rights under federal law, I am requesting that you obtain and forward the following documentation : 1. A signed contract or agreement from the original creditor bearing my name and signature.

2. A full itemized accounting of the alleged debt, including interest, fees, and payment history.

3. A copy of the assignment contract transferring this debt from the original creditor to XXXX XXXX. 

4. A forward flow agreement showing the terms under which the debt was purchased and the collectors legal authority to report it. 

5. Verification that XXXX XXXX is in full compliance with Regulation F under the FDCPA. 

Formal Requests : 1. Immediately initiate a reinvestigation into the accuracy of this collection account.

2. Permanently delete this XXXX XXXX XXXX account from my Equifax credit report if the required documentation can not be produced within 30 days.

3. Block this account from reinsertion unless verified with original, documented evidence as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

4. Provide written confirmation of the outcome of your reinvestigation and action taken.

This account is causing unjust harm to my credit profile and must be corrected in accordance with federal consumer law. Should you fail to comply, I will be filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and may pursue further legal remedies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
When I had a checking and savings account open with TD Bank it was closed due to overdrafted funds however I tried reporting my card being stolen and did my best to get a thorough investigation so they would see it was not due to negligence on my end my accounts were closed and I can not re-open them until the debt is paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
All three major credit bureausEquifax, XXXX, and XXXXare currently reporting a late payment on my credit file for an account with XXXX XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ), dated XX/XX/year>, with a past due balance of {$0.00}. I am formally disputing this reporting as inaccurate, incomplete, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The most immediate and obvious issue is that this account shows a {$0.00} past due balance, which means it is no longer delinquent or outstanding in any capacity. Despite this, all three bureaus are continuing to publish a derogatory late payment history attached to it. Reporting a late payment on an account that reflects no current delinquency or outstanding debt is not only misleading, it undermines the accuracy and fairness of the credit reporting process. This entry misrepresents my current financial standing and artificially depresses my credit score based on outdated or irrelevant information.

Under the FCRA, particularly 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy in the information they report. When a consumer disputes information, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates that the bureaus conduct a reasonable reinvestigation, and under 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be deleted or corrected. In this case, the presence of a derogatory mark without any present past due balance constitutes incomplete and misleading reporting. It creates a false narrative of financial delinquency when, in fact, there is none. 

I have not received any documentation from the bureaus or from XXXX XXXX  that would justify the continued reporting of this late payment as both accurate and relevant. Nor has there been any verification that the entry conforms with FCRA reporting guidelines for accounts that are resolved but still display derogatory indicators. Without such documentation, I have every reason to believe this listing is a product of stale data or a failure to update the accounts status in a timely and accurate manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
REPORTING INFORMATION ON A CONSUMER 'S CREDIT REPORT WITHOUT THEIR WRITTEN CONSENT IS IDENTITY THEFT. I DID NOT GIVE ANYONE WRITTEN OR VERBAL PERMISSION FOR THEM TO PLACE SUCH INFORMATION ON MY CONSUMER REPORT BECAUSE MY PRIVACY RIGHTS HAVE BEEN VIOLATED. I AM DEMANDING THE COMPANY BLOCK AND REMOVE THE ACCOUNTS FROM MY CONSUMER REPORT NO LATER THAN XXXX BUSINESS DAYS AFTER SUCH INFORMATION I'VE PROVIDED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is currently reporting inaccurate personal identifying information on my credit file that I dispute under the Fair Credit Reporting Act ( FCRA ). Specifically, Equifax is listing both a name and an address that are neither accurate nor legally associated with me : Former Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is incorrect and misrepresents my legal identity. My only legal name is XXXX XXXX, and my only and current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never legally used the name " XXXX XXXX, '' nor have I ever resided at or used the address on XXXX XXXX for any official or credit-related purpose. The continued presence of this incorrect personal information on my file is a direct violation of Equifaxs obligation to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). It raises serious concerns about the integrity of my credit file and may indicate misattributed data or broader reporting errors. 

Incorrect personal identifiers not only undermine the accuracy of my credit report but also increase the risk of associating my profile with unrelated accounts, identity mismatches, or the results of potential data compromise. This kind of misinformation can impact credit decisions, loan approvals, and other financial opportunities in a way that is unfair and unlawful. 

Equifax is also obligated under 15 U.S.C. 1681i ( a ) to investigate and promptly correct or delete any personal information that is inaccurate, incomplete, or can not be verified. To date, I have not received any explanation or documentation justifying why this incorrect name and address continue to appear on my report despite my prior efforts to correct them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: LoanCare, LLC
State: HI

Complaint narrative:
I was approved for a mortgage refinance. My lender submitted the full XXXX package to LoanCare for payoff and servicing transfer. Despite multiple submissions, LoanCare continues to reject the documentation during their XXXX XXXX process, even though all documents are accurate and complete. 

This is now delaying my loan from closing. It is impacting my interest rate lock and possibly my escrow timeline. I have been in contact with both the lender and LoanCare, but LoanCare has not given a clear reason for rejection and has not escalated the issue for resolution. 

I am requesting that LoanCare immediately review and resolve the XXXX denial, and provide a clear explanation in writing for any rejections. I am also requesting a formal investigation into their QC process if this continues to block compliant refinances from closing.

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 2025-06-11 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: KY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/XXXX TransUnion XXXX Relations P.O. XXXX XXXX XXXX, PA XXXX Subject : Credit Report Dispute Package File # XXXX To Whom It May Concern, Please find enclosed my complete dispute package regarding several inaccurate, unverifiable, and outdated entries listed on my TransUnion credit file. 

Included in this package are : - Dispute letters for each negative account - A hard inquiry removal letter - Exhibit A with supporting documentation - Highlighted credit report pages This package is submitted pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Please conduct a full investigation and provide me with a revised credit report showing all necessary deletions within 30 days as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/year> I made an attempt to pay my XXXX XXXX XXXX card in full, a total of {$1800.00}. I used the incorrect checking account and immediately tried to cancel the payment through the app. When that failed, I called XXXX XXXX who explained I was unable to cancel my payment because it was already processing, where I was then advised to contact my bank and demand a " stop payment. '' I followed instruction and requested a stop payment. I proceeded to call back XXXX XXXX in an attempt to make the correct payment to the bank and pay my credit card in full to avoid a late charge or interest fee on the account. I was unable to make such a payment since in their system it reported I had paid in full. I asked the supervisor to make notations on my account regarding my concerns and to explain the issue further, as I've never had a late payment and tried my best to remedy the issue. I was advised by the supervisor to call back if there were any further issues surrounding this, including issues with fees charged in response to the stop payment. I made the full payment as soon as I was able to -- when the payment was returned and the app showed a balance -- in full. I noticed a {$13.00} on XX/XX/year> and called XXXX XXXX customer line to have the interest waived, explaining my prior phone call from the XXXX. Numerous Capital XXXX agents and supervisors were unable to waive the fee, or provide any explanation regarding as to why they could not waive the fee, when fees are waived systemically on a day to day basis. This was not an issue of non-payment as I made my payment as soon as I could and felt I should not be penalized because the system prevented me from making further payments. XXXX supervisor claimed to have reviewed the phone log from XX/XX/XXXX and stated I never asked about interest fees, which is false -- fees were my biggest worry about not being able to make my payment on XX/XX/XXXX. I called back XXXX XXXX and asked for a copy of my phone log from XX/XX/XXXX, as conversations are on a recorded line, I was told that it was policy to not provide a transcription of the phone call substantiating my claims. I asked if I was able to receive a credit or dispute the credit since I made full effort to make my full payment on time but was unable to, I was denied. I attempted to reinitiate payment in good faith on XX/XX/year> when I was able to push a payment through on the app, which then posted XX/XX/year>. In total I made a payment of {$1900.00} by that date. I am writing to request a full review of my case and that the {$13.00} interest fee be waived. This situation arose not due to a lack of payment intent, but due to a technical limitation that prevented me from correcting an honest mistake. I have never had a late payment, and I made every effort to resolve the matter in a timely and responsible manner but instead was met with distrust and deflection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-11 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: KY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NC

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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