vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: OR

Complaint narrative:
In XXXXXXXX XXXX XXXX  I refinanced with the same company, Village Capital, to take advantage of the lower interest rate. Under the previous Mortgage, Village Capital paid my +/- {$3400.00} property tax bill. Then, under the new mortgage, promptly paid it again ( which had not been accounted for in determining the size of the escrow account for the refinance ). Village Capital then purchased indemnity insurance on my behalf for +/- {$2900.00} even though I already had indemnity insurance through XXXX which they had the information for since it was included in the refinance, and since they renewed it for me the previous XXXX when it was due. I'm on travel orders for my federal job through XXXX and the first I hear of any of this was when my XXXX mortgage bill jumps by {$600.00}. ( Which now costs more than an entire paycheck ). I pay it but am now living paycheck to paycheck continuously going into the red because of their mistakes. We finally have it cleared up and all the money is returned to my account but I'm still being charged the higher amount for XXXX and XXXX and now getting late fees and the negative credit hit because it takes more than half my income to pay the mortgage and I can't catch up. I've currently overpaid by {$2100.00} and they are just holding those funds in the escrow account and meanwhile there are days I'm going hungry, overdraft fees in the hundreds and the ding to my credit because I paid after the XXXX. All because of Village Capital. I can't believe they are trading a veteran this way.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-06-12 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: FL

Complaint narrative:
To whom it may concern, I would like to formally dispute any information on my credit report that I believe is inaccurate, as permitted by the Fair Credit Reporting Act ( FCRA ). I understand that the FCRA requires all data included in a consumer 's file to be documented and validated before it can be used by creditors, and I take this matter seriously.

I respectfully disagree with the allegations of delinquency and derogatoriness against me, as they are false. I believe that the accuracy of my credit report is crucial, and I ask that you maintain and report data with complete accuracy and compliance. 
As per the law and reporting standards XXXX XXXX, it is imperative that all claims made are accurate and reported in the correct format. 
I kindly request that you provide evidence to support the negative status of my accounts and the permissible purpose for any inquiry or account within my report. I understand that it may take some time to investigate this matter, so I am giving you a period of 30 days from the date of this letter to review and make the necessary corrections.

I would appreciate receiving physical proof of your actions and my updated credit report. The allegations listed in my report appear to be inaccurate, and I kindly request that you provide accurate and verified information for each claim. If the allegations are found to be untrue, I request that you delete them from my report.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX  ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX  ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-12 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



EQUIFAX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX  ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX  ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, The deletion or blocking of accounts due to potential unauthorized inquiries is governed by FCRA Section XXXX ( XXXX XXXX. 
XXXX ). I am writing to formally dispute accounts reported on my consumer credit report, which may stem from potential fraud or unauthorized activity. I request verifiable evidence bearing my signature or electronic signature. This letter represents my personal request, and I kindly ask for your thorough review. I do not recall authorizing these actions, which may constitute a violation of my consumer rights under the Fair Credit Reporting Act 's Section XXXX. I have already contacted the relevant companies and found that these actions appear to have been initiated without compliant validation or original proof from any of the reporting entities.

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 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To whom it may concern, Excuse me, I would like to bring to your attention that I have concerns regarding the accuracy of the information on my credit report, which is impacting my consumer rights. I believe that I have the right to be treated fairly by those who control this information. I kindly request that you provide me with all available details on how the inaccuracies occurred and how you will rectify them to ensure compliance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards. 
May I challenge you to review your data on file for me, as I believe there may be inaccuracies or deficiencies in the reporting?

The credit report I received was not in compliance with the FCRA and applicable XXXX XXXX data field formatting standards. 
Therefore, I am requesting that you provide me with a verified document that shows all of the evidence with sources, to address any deviations from these standards that could jeopardize the integrity of data, as outlined in the 2020 XXXX. 
I understand the seriousness of this issue and how it could compromise the integrity of your data if these standards aren't followed. As a result, I urge you to take corrective measures as soon as possible to remove any false accounts from my credit report. I rely on factually accurate, verified, and compliant data in my credit report, and I can't afford to have anything less than 100 % accuracy. Thank you for your prompt attention to this matter.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-06-12 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: FL

Complaint narrative:
To whom it may concern, Excuse me, I would like to bring to your attention that I have concerns regarding the accuracy of the information on my credit report, which is impacting my consumer rights. I believe that I have the right to be treated fairly by those who control this information. I kindly request that you provide me with all available details on how the inaccuracies occurred and how you will rectify them to ensure compliance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards. 
May I challenge you to review your data on file for me, as I believe there may be inaccuracies or deficiencies in the reporting?

The credit report I received was not in compliance with the FCRA and applicable XXXX XXXX data field formatting standards. 
Therefore, I am requesting that you provide me with a verified document that shows all of the evidence with sources, to address any deviations from these standards that could jeopardize the integrity of data, as outlined in the 2020 XXXX. 
I understand the seriousness of this issue and how it could compromise the integrity of your data if these standards aren't followed. As a result, I urge you to take corrective measures as soon as possible to remove any false accounts from my credit report. I rely on factually accurate, verified, and compliant data in my credit report, and I can't afford to have anything less than 100 % accuracy. Thank you for your prompt attention to this matter.

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint to formally report that Equifax has unlawfully and repeatedly withheld access to my credit report and credit score, causing me severe and ongoing financial and personal hardship.

Despite multiple attempts to access my full credit file and correct reporting errors, Equifax has blocked the release of my credit report and score, which has resulted in : Failure to verify my identity for necessary background checks, Loss of employment opportunities as a XXXX XXXXXXXX XXXX, including roles exceeding {$120000.00} per year with major tech companies, Inability to secure stable housing, placing me at risk of homelessness, Denial of credit and financing for a vehicle, Barriers to borrowing or accessing financial securities, Obstruction of my right to dispute and correct inaccurate information reported by third-party creditors who are also unresponsive. 

Each time Ive contacted Equifax, Ive been met with automated systems that prevent escalation. When requesting a live agent, I am told that I have not selected an option that qualifies for live supportleaving me without any human assistance to resolve a serious credit reporting issue. These systemic barriers have left me without the ability to clear my name, secure employment, or maintain basic financial stability. 

This behavior appears to be in violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I am requesting that the Consumer Financial Protection Bureau take immediate action to : 1. Compel Equifax to release my full credit report and score without delay.

2. Investigate the withholding of credit file access and any internal policies that obstruct fair dispute processes.

3. Enforce the availability of live agents for consumers facing identity verification or financial hardship issues.

4. Hold Equifax accountable for misrepresented or incorrect information that has materially impacted my ability to live, work, and secure basic necessities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I was contacted by someone impersonating my boss who urgently requested {$600.00} worth of gift cards, claiming they were needed for a business reason. I was scheduled to meet my boss at a conference the next day, and he was already supposed to reimburse me for travel, so the request seemed legitimate. I purchased XXXX {$200.00} gift cards and sent the codes, believing the request was real. 

Later that day, I confirmed with another XXXX that my boss never made the request. I had been manipulated through impersonation and social engineering. 

I disputed the charge with American Express and explained the situation. I provided supporting documentation including receipts, scam messages, and an FTC report. Amex initially credited the charge, but later reversed it after receiving standard documentation from the merchant. 

This was not a merchant error the issue is that the charge was made under false pretenses. I did not use the gift cards myself, and the transaction was not legitimate. XXXX requesting a proper review under the Fair Credit Billing Act.

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

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure 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 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 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure 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 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