vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My personal information was exposed as a result of the Equifax data breach in 2017. Since then, fraudulent accounts and unauthorized inquiries have appeared on my Equifax, Equifax, and Transunion credit report. I am a victim of identity theft and have filed a police report and an Identity Theft Report with the FTC. 

I submitted a dispute to Equifax, Equifax, and Transunion under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c2 ), requesting that the fraudulent accounts and inquiries be blocked from my credit file. I included all required documentation : a government-issued ID, proof of address, a copy of the FTC report XXXX and a detailed list of fraudulent items. 

Despite this, Equifax, Experian, and Transunion have failed to block the fraudulent information within the required four business days, in violation of FCRA 605B. This inaction has harmed my credit, led to multiple denials of credit, and caused financial and emotional distress. 

I am requesting the CFPBs assistance in enforcing my rights under the FCRA, including immediate removal of the fraudulent accounts, written confirmation of the actions taken, and assurance that my consumer rights are not further violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Dear Sirs, My credit has been negatively impacted due to fraudulent changes to my Exeter Finance loan agreement, made without my knowledge, and the bank has refused to respond to my request for removal from account due to fraud. My ex-partner, XXXX XXXX, submitted multiple forged loan extensions via XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), altering our original agreement made with exeter in XXXX when we purchased the vehicle. Despite multiple attempts to resolve this with the bank, I have received no response to my request for removal from the loan. 

The bank approved this loan at an exorbitant 24.1 % interest rate, which I was unaware would take this long to pay off being the amount owed on the car is still over {$9000.00}. I have not been in possession of the vehicle for four years and have no intention of keeping it. This loan was only suppose to be 6 years. 
The bank has access to my original signed agreement to verify signature. The bank also allowed XXXX to remove my information from our profile, directing all correspondence to him. As a result, I have been unable to access my online banking or manage the account. Fraud charges have been filed against XXXX. Given these unauthorized changes, my name must be removed from the loan immediately. 

Please address this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Hometap Equity Partners, LLC
State: CA

Complaint narrative:
I have read about the company recent lawsuit. It was published here : XXXX XXXX XXXXXXXX I am beyond sad when they sent me a payoff that charges me interests daily. I have been getting nightmares.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VI

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

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting a formal identity theft complaint. I have filed an FTC Identity Theft Report and provided supporting identification documents. There are multiple unauthorized hard inquiries and two fraudulent accounts on my credit report that I did not authorize or initiate.

These items are the result of identity misuse and must be removed under FCRA Section 605B. I am requesting that all unauthorized entries be permanently deleted based on the evidence provided. 

Please process this request accordingly and confirm that these records will be removed. 
Inquiries : XXXX XXXX  XXXX, XXXX  XXXX Account : 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 non-monetary relief
Consumer complaint received 2025-05-07 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: NY

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX writing to formally dispute multiple late payments reported on my credit file, which are inaccurate due to a situation involving unauthorized access to my personal accounts. 
For the past year or XXXX, I experienced a pattern of unexpected missed payments across several of my credit accounts. At the time, I was in a relationship where the person I was dating had access to my personal laptop and logins. Following the end of that relationship, I discovered that several of my accounts had been tampered with including the disabling of autopay settings, the removal of saved payment methods, and changes to my email and notification settings. 
This individual later admitted over the phone that they accessed my accounts out of spite and interfered with my financial information, which I did not notice immediately. These actions directly led to multiple missed or late payments on accounts that were previously in good standing. 
Since uncovering this, I have : Secured all of my financial accounts. 
Taken steps to ensure this situation will not happen againUnder the Fair Credit Reporting Act, I am exercising my right to dispute these inaccurate negative marks. Specifically : 15 U.S. Code 1681s2 requires furnishers to report accurate information and correct any errors upon notice 15 U.S. Code 1681i requires credit reporting agencies to investigate disputed items and remove any unverifiable or inaccurate information within 30 days Because these late payments were the result of unauthorized interference not willful nonpayment or neglect I am requesting that they be removed from my credit report. If the furnishers can not verify with documentation that I personally made the changes that led to these missed payments, I ask that the items be deleted in accordance with federal law. Thank you for your time and attention to this matter. Please notify me of the outcome of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS
State: OK

Complaint narrative:
I am writing this complaint to request my consumer report. LexisNexis was reporting so much incorrect information that I disputed. However they did not provide me with another consumer report to verify the proper changes were made to the report. There were several addressees and names that were misspelled on my consumer report. There were ticket information that also was incorrect. None of the women 's names that are listed is correct. I do not have a spouse. None of these names should be on my report. All the ticket information is incorrect. I have no had any traffic citations issued to me. I am a veteran that still serves so do not maintain any driver license. This is my final attempt at getting LexisNexis to provide the source of their information or remove it. I will forward this complaint to the attorney general and my attorney for further litigation. 

Upon reviewing my credit report file with XXXX XXXX, and XXXX XXXXere is incorrect information you are furnishing to them. This is my attempt at fixing this problem. 

I want to ensure the information in my file is accurate and complete. I request that you promptly provide me with a complete consumer report. 

Please ensure that the information you are reporting is complete and accurate. If the information is not I request you verify and provide the source. If you do not this will escalate into a small claims suit. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding a serious misclassification of a debt on my TransUnion credit report. I recently received a mailed copy of my TransUnion report, and it clearly identifies the account from XXXX XXXX XXXX as retail debt. 

However, when landlords or rental companies pull my credit for housing applications, this debt is being flagged as rental-related debt which is completely false and is resulting in denials and financial harm. 

I originally disputed this item with TransUnion almost 45 days ago, but they have not completed the dispute and are now requiring me to submit a new dispute for the same account, which is against the FCRA guidelines. This mishandling and misclassification have cost me multiple housing opportunities and continue to damage my credibility as a renter. 

This is causing real harm and must be addressed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

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 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

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 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 2025-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
My mortgage has been with XXXX XXXXXXXX for XXXX the last 4 years. Over this term, XXXX has changed/ transferred my loan servicer each year. 

Each year they do this, my XXXX and all info associated with my mortgage account/payments have transferred without issue. However THIS YEAR, that did not transpire as normal! Even though my new subservice was still through XXXX just as before, the name changed from XXXX to XXXX XXXX XXXX as the subservice. BUT, they intentionally failed to report that my mortgage was paid through XXXX/Autopay. In an attempt to have me default or pay late loan payment fees. Thankfully this did not happen due to the fact that I initially set up my XXXX  to pay a month in advance. BUT, XXXX still XXXX to cause unnecessary financial harm to myself, to seemingly financially benefit themselves. I have made many attempts that i can prove via phone records to find out why and who cause this to happen, yet it still remains a mystery and that is unacceptable. We are requesting this issue to be investigated asap!

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to dispute a collection account listed on my credit report. The account appears under. XXXX XXXX XXXX XXXX. 

This account is inaccurate for the following reasons : This account was charge off and delete as a result of reporting in accuracies from original creditor., " I do not recognize this debt, '' " This account was previously deleted. 

Under the Fair Credit Reporting Act ( FCRA ), I request an immediate investigation and removal of this incorrect information. Please send me written confirmation of the outcome. 

Enclosed are copies of any relevant documentation supporting my claim.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: IL

Complaint narrative:
My SoFi account got frozen with the balance of {$8.00} XXXX XXXX  After I done the necessary verification yet my account is not unfrozen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
nothing was investigated or verified or explained how the process that was done with steps of there action on my reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX, NC XXXX XXXX ) XXXX XXXX XX/XX/year> Experian P.O. XXXX XXXX, XXXX, TX XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 
Please review the Inaccurate Information being report :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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 XXXX business days of you receiving this complaint. The fraudulent inquiries I have found : 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 XXXXXXXX XXXX I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned hard inquiries as reported. The aforementioned hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit hard inquiries are the result of identity theft and fraud.

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