vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. 
XXXX XXXX Balance : {$150.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX late 30 days XX/XX/XXXX, late 60 days XX/XX/XXXX XXXX XXXX XXXX Balance : {$390.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX Late 30 days XX/XX/XXXX, late 60 days Aug-Sept XXXX XXXX XXXX XXXX Balance : {$560.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX late 30 days XXXX XXXX as 100 % of payments for this account on time on XXXX  and TransUnion Credit Report XXXX XXXX XXXX XXXX XXXX {$370.00} XXXX date XXXX XXXX, XXXX Last activity XX/XX/XXXX late 30 days XXXX XXXX as 100 % of payments for this account on time on Equifax and TransUnion Credit Report XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XX/XX/XXXX Last activity XX/XX/XXXX late 30 days XXXX XXXX as 100 % of payments for this account on time on XXXX  and TransUnion Credit Report XXXX XXXX XXXX XXXX XXXX : {$0.00} Open XXXX XX/XX/XXXX XXXX activity XX/XX/XXXX late 30 days XX/XX/XXXX, XX/XX/XXXX, late 60 days XX/XX/XXXX, late 90 days XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or updated within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. 
XXXX XXXX Balance : {$150.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX late 30 days XX/XX/XXXX, late 60 days XX/XX/XXXX XXXX XXXX XXXX Balance : {$390.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX Late 30 days XX/XX/XXXX, late 60 days Aug-Sept XXXX XXXX XXXX XXXX Balance : {$560.00} Open date XX/XX/XXXX Last activity XX/XX/XXXX late 30 days XXXX XXXX as 100 % of payments for this account on time on XXXX  and TransUnion Credit Report XXXX XXXX XXXX XXXX XXXX {$370.00} XXXX date XXXX XXXX, XXXX Last activity XX/XX/XXXX late 30 days XXXX XXXX as 100 % of payments for this account on time on Equifax and TransUnion Credit Report XXXX XXXX XXXX XXXX : {$1100.00} XXXX XXXX XX/XX/XXXX Last activity XX/XX/XXXX late 30 days XXXX XXXX as 100 % of payments for this account on time on XXXX  and TransUnion Credit Report XXXX XXXX XXXX XXXX XXXX : {$0.00} Open XXXX XX/XX/XXXX XXXX activity XX/XX/XXXX late 30 days XX/XX/XXXX, XX/XX/XXXX, late 60 days XX/XX/XXXX, late 90 days XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or updated within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions.

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 2025-11-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Mortgage Research Center, LLC
State: CA

Complaint narrative:
Issue : My family was denied a VA home loan by XXXX XXXX after being issued a pre-approval. We were told the denial was because the VA said it was a no-go due to our XXXX XXXX This appears to be false and contradicts VA guidelines. 

Key Facts : My husband is a 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 
VA guidelines clearly state that the spouse can satisfy occupancy, and delays due to employment are allowed. 
XXXX XXXX claimed XXXX VA denied our occupancy plan, but no such VA rule exists in VA Pamphlet XXXX. 
We believe the denial was actually due to internal lender overlays, not VA policy, and this was misrepresented to us. 
Our financial situation did not change after pre-approval. 

What XXXX Requesting : Clarification on why XXXX XXXX XXXX XXXX VA denied the loan Confirmation whether the denial was based on lender overlays rather than actual VA XXXX XXXX XXXX XXXX XXXX XXXX and handling of our file Correction of any misleading statements made to us during the underwriting process Impact : This caused financial and emotional hardship, delayed our relocation needed for health reasons, and disrupted our homebuying process.

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 2025-11-21 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: FL

Complaint narrative:
I am filing this complaint due to multiple hard inquiries that were placed on my TransUnion credit report without my written authorization or permissible purpose under FCRA 604. 

On my TransUnion credit report, the companies listed below accessed my consumer report and placed hard inquiries without my approval, without my written consent, and without providing proof of permissible purpose : XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX  XXXX XXXX XXXX XX/XX/year> I contacted these companies and requested validation of the inquiries and proof of permissible purpose including my signed authorization, application number, IP logs, and time stamps. None of the companies were able to provide verification or proof that I authorized them to access my credit file. 

These inquiries remain on my credit profile despite the fact that the furnishers failed to validate and failed to demonstrate compliance with FCRA 604, 607 ( b ), and 610.

TransUnion is continuing to report these disputed inquiries without marking them as disputed and without investigating or providing the method of verification, which is a violation of FCRA 611 ( a )
and 623 ( a ) ( 3 ). 

I am requesting the CFPB to intervene and require the following resolution : Removal of the unauthorized inquiries listed above from my TransUnion credit report, Confirmation that the furnishers are no longer reporting hard inquiries that they can not validate, Notice of reinsertion protections to prevent the inquiries from reappearing without proper documentation and 5-day notice as required under FCRA.

I am a victim of unauthorized credit pulls and the continued reporting of these inquiries is causing harm to my credit score and my ability to obtain credit at fair terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I signed into my online banking to see that my account is overdrawn {$300.00} after not using my account since XX/XX/XXXX and leaving it at a {$0.00} balance. I see there is a " misc charge '' so I called trying to figure out what it is. Supposedly on XX/XX/XXXX a Citizens bank employee went into my account without me calling in or giving permission and filed a claim for {$300.00}. The withdraw is for that claim, which doesn't make sence to me because there is no charge on my account for {$300.00}. After spending over XXXX hours on the phone, between XXXX different calls because the line kept hanging up, and XXXX representatives I was told that there is no record of me calling, no one can cancel the claim, and they requested it can be canceled but it can take up to XXXX business days to be reviewed. I asked for the last reps name and he told me his name was XXXX but could not give me his last name or an employee ID to properly identify him. I asked that he expedite my request and submit a complaint on my behalf but im sure he didn't. I need that money back in my account as soon as possible so I can pay my bills when my direct deposit hits. I also want the world to know that citizen bank employees are going into account illegally without proper reason or cause because I never called citizens bank nor went into a XXXX to file any claim for an imaginary amount of money when there isnt even a record of those funds coming out of my account to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-11-21 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-11-21 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: TX

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 non-monetary relief
Consumer complaint received 2025-11-21 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-21 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am disputing the following collection accounts reporting on my credit file. These accounts are the result of identity theft. I never opened any accounts with these companies, did not authorize any transactions, and have no relationship with these creditors. I do not know how they obtained my personal information. 

PORTFOLIO RECOVERY PORTFOLIO RECOVERY ASSOCIATES PRA Group Please conduct a full investigation and remove these fraudulent accounts from my credit report immediately under the FCRA. I request written confirmation once they have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: SC

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me.

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain.

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: WA

Complaint narrative:
Good day, I am submitting this follow-up regarding a dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 
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 Under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

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 2025-11-21 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: IL

Complaint narrative:
I am filing this complaint because a fraudulent account is being reported on my credit file, and the XXXX XXXX XXXX has refused to remove or block it despite receiving my FTC Identity Theft Report, supporting documents, and multiple written disputes.

These account does not belong to me. I did not open it, authorize it, sign for it, or benefit from it. It is the result of identity theft. I submitted a valid identity theft report under FCRA 605B ( 15 U.S.C. 1681c-2 ) and requested that the account be blocked and removed. Under federal law, the credit bureau was required to block this identity-theft-related information within XXXX business days, but they failed to do so. 

Accounts as a result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX Instead, they continued to report the fraudulent account without providing any legally valid verification, which is a direct violation of : FCRA 605B Failure to block identity theft information FCRA 611 Failure to conduct a reasonable reinvestigation FCRA 611 ( a ) ( 7 ) Failure to provide Method of Verification FCRA 623 Reporting inaccurate information The credit bureau claims they verified the account, but they have refused to provide the legally required Method of Verification , including : The name and contact information of the person they contacted The method and data used to verify A copy of the original application with my signature Proof that I opened or authorized the account They have provided no such documentation.

Billing statements, screenshots, or generic account summaries are not verification under FCRA, and none prove that I opened this account. 

Their failure to block this identity-theft account and their continued reporting of inaccurate information is causing ongoing financial harm, emotional stress, and damage to my creditworthiness.

Company response to consumer: Closed with explanation