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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Statement for Disputing Unauthorized Inquiries Due to the Equifax XXXX XXXX ( Non-Identity Theft Claim ) : I am disputing multiple unauthorized credit inquiries that appear on my credit report. I did not initiate, authorize, or consent to these inquiries. These inquiries were not the result of any application or financial activity on my part. 

I believe these inquiries occurred due to the Equifax data breach, which exposed the personal information of over XXXX XXXX people, including mine. Because my personal data ( including name, SSN, address, and more ) was compromised through no fault of my own, these inquiries were made using information that was improperly accessed and are not valid under federal law. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a credit bureau is only allowed to include inquiries on a report that are made with the consumers explicit consent or for a permissible purpose. These inquiries do not meet that standard and therefore must be removed. 

I am exercising my rights under the FCRA to dispute these unauthorized inquiries and request that they be removed from my credit file immediately. I am not claiming identity theft, but asserting that the information was misused due to a third-party breach specifically, the Equifax breach that resulted in widespread unauthorized access to consumer data. 

Please conduct a full reinvestigation and delete these inquiries. I am happy to provide documentation if needed, including a copy of my credit report showing the inquiries in question. 
UNAUTHORIZED INQUIRIES LISTED BELOW : 1 ) XXXX XXXX  2 ) EXPERIAN BUSINESS CRED 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX  5 ) XXXX 6 ) XXXX XXXX XXXX  7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
This was the best option for me to select, and is in refence to case # XXXX in Freedom Mortages 's system for reference purposes. I'm not applying for an actual refinance ; I'm applying for relief to have my interest rate reduced to XXXX XXXX per Louisiana XXXX XXXX under section A & XXXX I provided them my request, provided the statutes, and provided my orders for assignment to Louisiana along with proof that my active duty service continues to the present day in Louisiana. My XXXX  attempt was denied on the basis that I was already active duty at loan origination, which is a correct requirement under XXXX U.S.C XXXX but not a requirement for Louisiana XXXX XXXX XXXX where all debts incurred prior to or during are eligible. When I talked to their customer service representative they told me their XXXX legal expert said that there is no Louisiana XXXX. I proceeded to apply again, requesting that they specifically recognize and address the Louisiana statute, provide a written statement that they don't recognize it or dispute the lack of origination requirement in Louisiana law, and this time provide a formal letter so I can have it documented. To which they gave me the exact same reason and made no mention of the Louisiana Law. I submitted a complaint to them and requested relief a third time, again requesting they specifically address why I'm not eligible for the Louisiana Statutes to apply, and this time they did address the Louisiana Law, but their argument was that my Active Duty status was not the result of an executive presidential order, act of congress, or pursuant to XXXX 's XXXX XXXX activation by the governor as required by Louisiana XXXX XXXX. This argument is completely wrong, as XXXX XXXX XXXX XXXX personnel ( like myself ) are all serving pursuant to an act of the congress, and as such those members serving on orders in the state of Louisiana meet the requirements of RS XXXX. I provided this information to their team but have gotten no communication since other than an automated acknowledgement, which happened after my first denial until I kept pushing. It appears clear to me that the Freedom Mortgage team that handles these requests had no experience or knowledge of the Louisiana Statutes when I first applied, and when pushed to research the statutes applied an interpretation that it only recognizes XXXX XXXX or XXXX members on active duty. An argument that is only loosely based on their interpretation of RS XXXX where they aren't recognizing the title XXXX process, and in particular XXXX U.S.C XXXX and XXXX XXXX XXXX as being clear-cut XXXX XXXX pursuant to an act of 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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am reaching out to request an update to the address listed on my credit report to ensure that my records accurately reflect my correct information. PLEASE REMOVE ALL INACCURATE ADDRESSES IN MY CREDIT REPORT. SEE ATTACHED DOCUMENT.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
This account is inaccurate because They can prove that i get a debt whit them, I am not the owner of this item. according to 15 U.S. Code? 1692e False or misleading representations I submit validation of debt for XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the FCRA Credit Reporting Rules If the debt can not be verified Must delete the debt from your credit report if it's disputed and they can't verify it.

I attach the letters to prove that.

I attach my Documents Driver license, Social security Picture, notarized verification of identity and bill under my name to the validation of debt.

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: LA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: Experian Information Solutions Inc.
State: FL

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 XXXXXXXX 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 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 XXXXXX/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 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am demanding the permanent deletion of the inaccurate and unverified account listed below from my credit report : Account Being Challenged : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  This account is being reported without full validation, without verified permissible purpose, and without compliance to Metro 2 format and FCRA guidelines.

As a consumer, I have the right under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) to dispute any information I believe to be inaccurate, incomplete, or unverifiable. It is your legal duty to investigate each dispute thoroughly and individually, not dismiss it through automated or template-based form responses. Failing to do so constitutes willful non-compliance, which may result in statutory damages under 1681n and 1681o.

Further, the continued reporting of unverifiable, inaccurate data violates FCRA 1681e ( b ), which requires you to maintain maximum possible accuracy. The burden of proof is on the furnisher to show complete documentation supporting the accuracy and legitimacy of this account, including original application, wet signature, billing history, and proof of ownership. 

I also demand full compliance with Metro 2 compliance standards, which regulate accurate data field population and formatting. Based on my review, this account fails to meet those requirements, including field codes related to current status, charge-off indicators, date of first delinquency, and payment rating. 

This is not a blanket dispute. It is a factual, legal, and data integrity challenge. If you are unable to provide verifiable proof within 30 days, including a copy of the original contract with my signature and lawful evidence of account responsibility, then you must permanently DELETE this item from my report as required by federal law. 

Failure to comply will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential civil action for damages due to willful non-compliance and emotional distress caused by inaccurate reporting. 

I expect written confirmation of your findings, including an updated copy of my credit report reflecting corrections or deletion, mailed to my address.

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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: FL

Complaint narrative:
I called Upstart today to inquire about incorrect reporting of payments on my account. They reported I was late although I was current.

Just as when I called the last time they said that I could speak with a Sup or the Credit Specialist.

I was informed if I do not pay on the due date I would be reported late.

They have reported me 60 days late although I am current.

I have called this company numerous times in the past to be mislead by numerous CS reps.

This company will post false negatives on your credit report to prevent customers from being late.

They never follow up with concerns and emails are automated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX  is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX regarding a collection account originally from XXXX. The alleged debt was placed for collection on XX/XX/XXXX, and is now past the statute of limitations for legal action in my state ( Kentucky ). I promptly submitted a written debt validation request in response, requesting verification of the debt, including a copy of the original signed contract, a breakdown of charges, and proof of assignment. 

To date, XXXX XXXX has failed to provide proper validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite the account being time-barred and unverified, they have continued to report it to the credit bureaus, negatively affecting my credit profile. 

I believe this is a violation of my consumer rights, as XXXX XXXX is reporting unvalidated and potentially inaccurate information, and continues to pursue collection on a debt beyond the legal time limit without appropriate disclosure.

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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX regarding a collection account originally from XXXX. The alleged debt was placed for collection on XX/XX/XXXX, and is now past the statute of limitations for legal action in my state ( Kentucky ). I promptly submitted a written debt validation request in response, requesting verification of the debt, including a copy of the original signed contract, a breakdown of charges, and proof of assignment. 

To date, XXXX XXXX has failed to provide proper validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite the account being time-barred and unverified, they have continued to report it to the credit bureaus, negatively affecting my credit profile. 

I believe this is a violation of my consumer rights, as XXXX XXXX is reporting unvalidated and potentially inaccurate information, and continues to pursue collection on a debt beyond the legal time limit without appropriate disclosure.

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 — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: CA

Complaint narrative:
My credit was utilized to perform inquiries for lines of credit with multiple companies. This affected reporting on my XXXX XXXX XXXX XXXX. These are fraudulent. I've been the victim of identity theft multiple times. 

The ones on my XXXX listed below are fraudulent. 

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 My Social Security number is XXXX. 
My name is XXXX XXXX XXXX. 
My address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. 
I've lived at this address for over two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: DE

Complaint narrative:
I purchased a money order from Western Union. According to Western Union 's records ( including a scanned image they provided ), the money order has already been cashed. However, I personally visited XXXX Bank with the intended recipient, and the bank confirmed they never received any funds and that the money order was rejected when presented. 

This presents a serious contradiction. Western Union insists the money order was paid, but the bank says no funds were received. I requested that Western Union escalate the matter, and I emailed their customer service team with a copy of the cashed money order and a detailed explanation of the issue. That was over three days ago, and I have not received any response. 

The amount of the money order was {$480.00} and it was purchased early XXXX. I am now left without my money and without a clear resolution. I am requesting a full investigation and refund from Western Union.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XXXX, I became unable to work due to XXXX  health conditions. I continued to make payments on my CareCredit card, including monthly charges for the XXXX  XXXX XXXX, which is supposed to offer relief in cases of XXXX. 
In XX/XX/XXXX, I received a letter denying my request for XXXX coverage under this program. The reason provided was that the event ( XXXX ) occurred on XX/XX/XXXX and I did not file within one year of that date. 
However, I am still awaiting my Social Security XXXX determination, which is not expected until XX/XX/XXXX. When I called CareCredits support line on XX/XX/XXXX, I asked for clarification and was told that the program does not go by the date you apply for XXXX or are approvedit goes by the date you became unable to work, even if that wasnt officially documented. 
This critical detail was never clearly disclosed to me at the time of enrollment. I was under the impression the coverage would apply once my XXXX was recognized, especially since I was continuing to pay into the program for years after the original event. Now, I am being told that I paid for a security feature that : I can not use Expired without notice Was tied to a timeline I had no way of knowing This feels like a predatory practice, particularly toward XXXX and financially vulnerable consumers. I am requesting an investigation into CareCredits handling of their XXXX XXXX XXXX, as well as appropriate financial reliefeither in the form of a refund of all Account Security charges since XX/XX/XXXX, or a discharge of my balance, which currently stands at {$2000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation