vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: VA

Complaint narrative:
I am writing to dispute the results of your recent investigation concerning the following collection account, which appears on my credit report. I believe the account is inaccurately reported, and that your previous investigation was insufficient this letter serves as a formal request for a reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 USC Code 1681i Dispute Account Information Creditor Name : XXXX XXXX XXXX XXXX Account Number : Unknown Dated Reported Equifax ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Under 15 USC Code 1681i ( a ) ( 1 ) ( A ), consumers have the right to dispute the accuracy or completeness of information in their credit report. Upon receiving a dispute, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is accurate.

Despite my previous dispute, I have not received any documentation or evidence providing the validity of this account, as required by 15 USC 1681i ( a ) ( 6 ). I also requested, per 1681i ( a ) ( 6 ), that you provide me with the method of verification used, the name of the furnisher that verified the data, and their contact information.

If Equifax can not verify the accuracy of this account, 15 USC 1681i ( a ) ( 5 ) ( A ) mandates that the account be deleted from the credit report. Failure to do so constitutes a violation of federal law. 
Therefore, I request the following 1. Immediate reinvestigation of this account.

2. Complete removal of the account if not properly verified.

3. A full description of the method of verification used 4. The name, address, and phone number of the furnisher who verified the dispute information.

Please respond within 30 days, as required by 1681i ( a ) ( 1 ) ( A ). If this matter is not resolved. I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 


Sincerely, XXXX XXXX XXXX XXXX XXXX Date of Birth XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately.

Affidavit : 1- Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX 2- Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3- Attached Documentation : I have attached the following documents to verify my identity and process my request : a. A copy of my drivers license or government-issued ID.

b. A copy of a recent utility bill or bank statement confirming my current address.

c. A copy of my Social Security Number.

4- Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5- Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 

Sincerely, 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 2025-04-07 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: MD

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2025-04-07 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-07 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: WI

Complaint narrative:
I called to cancel a check I mailed on XX/XX/XXXX, chime told me on XXXX XXXX and XX/XX/year> that the check has been canceled, I even recorded the calls. Yet I haven't received the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
VIOLATION OF UCC 3-603 ( b ) FAILURE TO HONOR XXXX XXXX  I tendered full payment via endorsed security instrument on XX/XX/XXXX Registered Mail XXXX XXXX XXXX  delivered and received. 
UCC 3-603 ( b ) states that once payment is tendered and refused, the obligation is discharged DEMAND : Written confirmation that obligation is discharged and cessation of collection activity.

UNAUTHORIZED MORTGAGE DEBT INSTRUMENT AND FULL REIMBURSEMENT DEMAND Mortgage originated on XX/XX/XXXX in the amount of {$610000.00} Loan Number : XXXX No lawful consideration, disclosure, or proceeds were received by me. 
You have fraudulently securitized and monetized a promissory note signed under presumed consent and without lawful disclosure. 
DEMAND : Full reimbursement of {$610000.00} plus damages. Provide full accounting, origin of funds, and evidence of lawful contract. 

XXXXSTOLEN BUT CLAIMS VEHICLE REPOSSESSION VIOLATION OF UCC 9-609 Vehicle wrongfully repossessed on XX/XX/XXXX WHICH IS THIEF BECAUSE THE PAYMENT WAS DISCHARGED AND SENT XXXX XXXX  confirmed title transfer and full payment as of XX/XX/XXXXXXXX XXXX XXXX prohibits non-judicial repossession without due process. 

FALSE CREDIT REPORTING / TILA VIOLATIONS My consumer credit file shows a loan balance of {$30000.00} The Promissory Note shows {$39000.00} with {$9000.00} finance charge Per U.S. Code 1640 ( a ), damages XXXX XXXX finance charge = {$18000.00} Per U.S. Code 1635 ( b ), I rescind the loan and demand property be returned DEMAND : Removal of all false credit information. Provide documents showing authorization to report or collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: FL

Complaint narrative:
I pulled my credit report and I saw wrong information being reported, I asked them to investigate and right away they sent me a message through their website stating that it belongs to me. I then asked them to re-investigate and provide evidence that these collections are mine : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I send them a screen shot so that they can see that the wrong information is being reported and they used it against me and just updated it.

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 2025-04-07 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
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

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 2025-04-07 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MI

Complaint narrative:
I have a IRS check for the amount of {$1300.00}. That was deposited to XXXX XXXX  cash app. When I call Cash app after speak, its about five agents. They assured me that the account was closed and that there was no deposit speaking with the state IRS several times they assured me that the deposit was made and gave me the account number and the routing number to the account because I thought the account was closed so I no longer had any information but they were able to provide me with information to give to them which cash app never even asked for they just want XXXX XXXX and nothing else they dont care for your Social Security number what you need to create an account but that doesnt verify or Get them access to find an account which you should. And I need some type of help gaining my funds back from Cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via dealer are all reporting inaccurate information to my consumer 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 2025-04-07 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:
I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXXXX/XX/year> These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-07 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: GA

Complaint narrative:
The company was asked to investigate into accounts left under my name and social and provide their method of verifying the debts belonging to me showing up on my credit report and they have failed to do so. Instead they subsequently added old debts back to my report with no notice, no verification of accuracy from XXXX companies : Account Name : [ XXXX ] Account Number : [ XXXX ] Date First Removed : [ XX/XX/year> ] Date Reinserted : [ XX/XX/year> ] Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Date First Removed : [ XX/XX/year> ] Date Reinserted : [ XX/XX/year> ] Account Name : [ XXXX ] Account Number : [ XXXX ] Date First Removed : [ XX/XX/year> ] Date Reinserted : [ XX/XX/year> ] As required by law, if a previously deleted item is reinserted into my credit file, the credit bureau must : 1. Notify me in writing within five business days of the reinsertion, and 2. Certify that the information furnisher has verified the accuracy of the account.

I was never notified of the reinsertion and was not given any certification or evidence to support its accuracy. Therefore, I request the following : Immediate removal of the reinserted account from my credit report, Written documentation showing who furnished this information and how it was verified, Confirmation that you are in compliance with the reinsertion requirements of FCRA 611 ( a ) ( 5 ) ( B ). 


Ive also attached info showing my report from XX/XX/year> did not show the accounts on my report and also showing whats currently in my report as of XX/XX/year> when it was RE-inserted back on my 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 2025-04-07 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: OH

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX  XXXX  helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-04-07 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS PLEASE BLOCK AND REMOVE THE INACCURATE ACCOUNTS FROM MY REPORT. THANK YOU.

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 2025-04-07 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: NY

Complaint narrative:
I want the company to remove the fraudulent inquiries in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: 21ST MORTGAGE CORP.
State: GA

Complaint narrative:
I was trying to make payments and it asked me to call in no one would call me back and then in XXXX we decided to just try and sell but they gave the lender the run around about the title. Claiming they didnt know what retiring the title meant only to stop communicating stating that since the person on the loan is deceased I wasnt able to speak to them. I sent them all the proper documents they requested again and then they sent me paperwork dated for XX/XX/year> stating that they received the documentation and that I could acquire the loan in my name but it had already been auctioned off unbeknownst to me. I tried paying 1 month then 2 months then 3 months with would have been no more than {$2400.00} for 3 months and they stated if I didnt pay {$8300.00} the loan wouldnt be current but they wouldnt talk to me to explain why it was that much and also why they wouldnt allow me to pay since XXXX. Not sure what to do.

Company response to consumer: Closed with explanation