vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: NY

Complaint narrative:
I am filing this complaint against Equifax due to its failure to investigate and respond to my dispute regarding inaccuracies on my credit report. Despite submitting a formal request for correction, Equifax has neglected its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation, raising serious concerns about its compliance with consumer protection standards. 
On XX/XX/year>, I mailed a dispute letter to Equifax, formally requesting an investigation into inaccuracies on my credit report, including : - XXXX  XXXX Bankruptcy Reference # XXXX - Incorrect personal information listed on my credit profile As required by the FCRA, credit bureaus must conduct a reasonable reinvestigation upon receiving a consumer dispute to determine whether the reported information is accurate. Despite this legal obligation, Equifax has failed to provide any response or the results of its investigation. 
Equifaxs lack of response and failure to investigate these inaccuracies demonstrates a clear violation of my consumer rights under the Fair Credit Reporting Act. The bureaus inaction has prevented me from maintaining an accurate credit file, which directly impacts my financial standing. This neglect to fulfill its legal duty not only causes unnecessary distress but also raises concerns about Equifaxs compliance with federally mandated dispute resolution procedures.

To support my claim, I have attached a copy of my original dispute letter sent to Equifax as proof of my effort to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Subject : Second Notice - Dispute of Fraudulent Accounts - Lack of Verification and Identity Theft Claim To Whom It May Concern, This is my second formal dispute regarding the fraudulent accounts reported on my consumer credit file. I previously submitted on XX/XX/year> a dispute indicating that the accounts listed below were fraudulently opened without my authorization, along with an identity theft report as required by law. Despite this, I have not received any proof of verification for these accounts, nor have you adhered to my identity theft claim in accordance with the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681c-2 ( Blocking of Information Resulting from Identity Theft ). 
Fraudulent Accounts to Be Deleted Immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Legal Basis for Dispute & Request for Deletion : Pursuant to 15 U.S. Code 1681c-2, I have provided you with an identity theft report, which entitles me to the immediate blocking and permanent removal of all fraudulent accounts from my credit file. Additionally, 15 U.S. Code 1681i requires that you conduct a proper investigation and provide proof of verification for any disputed information within 30 days. Your failure to do so is a direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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

I looked at my XXXX XXXX XXXX TransUnion 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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 non-monetary relief
Consumer complaint received 2025-05-22 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: IL

Complaint narrative:
It has come to my attention that my personal information was impacted by a national data breach. After reviewing my credit reports i noticed some accounts i am not familiar with. I have asked the CRA 's for validation of debt, however the information has not been provided. Due to my information being exposed i have submitted an FTC complaint reporting the information i am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, XXXX report showing my information being exposed.

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 2025-05-22 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: SC

Complaint narrative:
I respectfully request the removal and blocking of the unauthorized accounts listed on my credit report. I did not open these accounts, nor did I provide any authorization for them. As outlined in USC 1681g, I am formally requesting their removal within 15 days. I have included all relevant documents for your reference. The information reported is not only incorrect but also varies across the different credit bureaus.

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 2025-05-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Village Capital & Investment LLC
State: GA

Complaint narrative:
On XX/XX/year>, the XXXX  XXXX XXXX XXXX issued a payoff check in the amount of {$240000.00} to Village Capital & Investment LLC under the XXXX XXXXXXXX XXXX ( XXXX ) program. Despite this, Village Capital continued to bill me, issue statements, and collect payments beyond this datewell past the 45-day transfer window outlined by VA guidelines . 

I was also approved for a loan modification through XXXX that included a XXXX escrow repayment period. However, Village Capital later issued conflicting documents with a higher payment based on a 12-month escrow recovery, which I did not agree to.

My payments were misapplied and reversed multiple times without clear explanation, and I was never given accurate or consistent documentation regarding my loan status. These actions resulted in confusion, financial hardship, and apparent overpayment on a loan that was no longer supposed to be serviced by Village Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: Apple Financing LLC
State: NC

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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:
Dear EXPERIAN I am writing to dispute inaccurate information on my credit report regarding the account listed below. The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), mandates that you maintain reasonable procedures to ensure the maximum possible accuracy of the information reported. I believe the information related to the following account contains errors : Account Number : [ Last XXXX digits : XXXX XXXX XXXX XXXX  for Experian ] Creditor : XXXX XXXX  Date Opened : XX/XX/XXXX Account Status : Paid Balance : {$0.00} Comments : Subscriber reports dispute resolved - consumer disagrees The information reported appears inaccurate because Dates do not match the information reporting is inaccurate, " the account status should not reflect 'dispute resolved - consumer disagrees " as the issue was fully resolved on XX/XX/XXXX, and the balance is {$0.00} '' ]. This discrepancy may be affecting my credit score and financial opportunities unfairly I request that you : Investigate the disputed information promptly.

Correct or remove the inaccurate data from my credit report.

Send me an updated copy of my credit report reflecting the resolution of this dispute.

Enclosed are copiesthat support my dispute. Please reinvestigate this matter within the 30-day period required under the FCRA and notify me of the results in writing.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-22 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: VA

Complaint narrative:
I previously submitted a disputes to TransUnion regarding multiple negative accounts on my credit report. The basis of my dispute was that several pieces of information reported in those accounts were inaccurate, incomplete, and inconsistent. Despite my previous requests, the specific information I challenged remains inaccurate, incomplete and inconsistentmaking it clear that a proper or account level investigation may not have occurred. At this point, I am not just questioning the outcomeI am questioning the process. Under the Fair Credit Reporting Act ( FCRA ), I have the right to know how these disputes were investigated. I am requesting a detailed description of the procedures used to verify the accuracy and completeness of the information. The details of my request is in the letter attached to this complaint.

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 2025-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Brightfunders, LLC
State: NC

Complaint narrative:
In XX/XX/XXXX, my wife and I applied for mortgage assistance with XXXX XXXX due to financial hardship. We submitted all required documents and were approved for forbearance and a loan modification trial plan in XX/XX/XXXX. 

However, in XX/XX/XXXX, our loan was transferred to Lower XXXX, who refused to honor the previously approved assistance. We were forced to reapply for help, and began the application process with Lower in XX/XX/XXXX. 

Since then, we have been repeatedly misled and subjected to a disorganized and inconsistent process. We were told on multiple occasions that no further paperwork was needed ( specifically on XX/XX/XXXXXXXX  ), but then contacted again in XX/XX/XXXX to provide more documentsincluding a profit and loss statement and a letter of hardship, which we have since submitted. It has been labeled as " insufficient ''. 

Throughout this process, our case has been passed between representatives, with little to no communication or continuity. We have had to reapply multiple times due to unexplained delays and sudden expirations of our applications. Every time we call, we are told something different, and there is no transparency about where we are in the process or why information is not being honored or recorded correctly. 

We believe Lower XXXX is intentionally delaying the process and acting in bad faith, potentially violating mortgage servicing regulations by failing to provide consistent information, failing to honor prior agreements, and by not responding appropriately to our repeated requests for assistance and status updates. 

We are now over six months delinquent due to this mishandling, and are at risk of losing our home despite our full cooperation and repeated attempts to resolve the issue. 

We are seeking immediate review, accountability, and support in ensuring that our mortgage assistance application is processed fairly and without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
This letter constitutes my final formal notice regarding the inaccurate late payment currently reported on my credit file and your agencys continued noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite multiple previous disputes, you have continued reporting this negative information without providing any supporting documentation to substantiate its accuracy. A generic verified response does not fulfill your legal obligation to conduct a reasonable reinvestigation under FCRA 1681i.

Additionally, your agency is in violation of FCRA 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy of consumer information. Your ongoing failure to remove unverified data and refusal to provide original documentation amounts to willful noncompliance. 

You are hereby given 30 days from the date of this letter to provide the following : Complete and original documentation from the creditor validating the alleged late payment ; A detailed account of your reinvestigation process, including verification sources ; Immediate deletion of the disputed item if it can not be fully verified with substantive and original evidence. 

As further support, I refer you to recent enforcement actions brought by the Consumer Financial Protection Bureau ( CFPB ), including the XX/XX/year> lawsuit against TransUnion for mishandling consumer disputes and reporting inaccurate information. Your conduct mirrors the deficiencies cited in that case and reinforces my grounds for legal action. 
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 non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXXXXXX Account # : XXXXXXXX XXXX XX/XX/year> 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-05-22 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: CA

Complaint narrative:
I am a victim of identity theft. Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquires on my credit report are not mine. This inaccuracy has directly resulted in denial of affordable housing opportunities and mortgage eligibility, which constitutes discriminatory impact under the Fair Housing Act and causes irreparable harm. Immediate action is required. I am filing a formal complaint regarding these inquiries on my credit reports. I have not applied for any loan. This misinformation has damaged my ability to access affordable housing. I have been denied mortgage preapproval and blocked from qualifying for federally supported Down Payment Assistance Programs, which require clean credit files with no recent delinquencies, unresolved charge-offs or inquiries. The harm is not speculativeit is real, ongoing, and unjust. Ive spent considerable time and emotional energy trying to resolve this with no relief.

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