vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: FL

Complaint narrative:
To the Consumer Financial Protection Bureau, This is a supplemental complaint to my open CFPB case ( Complaint ID : XXXX ) filed on XX/XX/year>, against Experian Information Solutions , Inc. for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), including noncompliance with required procedures for verifying disputed credit information and providing a proper Method of Verification ( MOV ) response. 

On XX/XX/year>, I sent a certified Method of Verification ( MOV ) request regarding the tradeline reported by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), account number XXXX. The letter was delivered and received by Experian on XX/XX/year> ( USPS Tracking ID : XXXX ). In it, I lawfully requested, per 15 U.S.C. 1681i ( a ) ( 7 ), the method by which Experian verified this account, including the name, address, and telephone number of the furnisher and a description of the reinvestigation procedures used. 

Despite this, Experian failed to provide any of the information required by law. Furthermore, Experian did not respond within the 15-day period required under 15 U.S.C. 1681i ( a ) ( 7 ) following receipt of my Method of Verification request on XX/XX/scrub> XXXX 

Then, as of XX/XX/year>, Experian proceeded to update and verify both the XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX tradelines on my credit report, as evidenced by portal screenshots. Despite having lawful MOV requests pending, Experian verified these tradelines without providing : Any documents used during the reinvestigation The name/contact of the furnisher A description of the Method of Verification This conduct constitutes multiple and ongoing violations of the Fair Credit Reporting Act : FCRA Violations : 15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide Method of Verification 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide furnisher contact information 15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy 15 U.S.C. 1681n and 1681o : Willful and negligent noncompliance Damages and Harm : My Experian credit score is currently 568, impacting my ability to obtain credit. 
I was denied financing from XXXX XXXX and XXXX XXXX, leading to measurable financial loss. 
Experians failure to comply has caused ongoing stress and obstructed my rights under the FCRA.

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 2025-05-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My husband and I initially applied the heloc on XX/XX/XXXXXXXX We have been communicating with the loan processor until mid XX/XX/XXXX where she confirmed via phone that she did receive all documents. We have not received any update. I called in the beginning of XXXX saying it was temporarily closed. And the loan processor asked me to re-apply again. 

I called bank of america heloc line on XX/XX/XXXX and requested to file the complaint. The agent instead of helping me, she refused to document the complaint, screamed at me and hung up the call. This was very traumatic experience that Bank of America refused to document the complaint yet she screamed and yelled at me. My husband and I both witnessed this. 

Today with the call from loan processor, saying the first application applied on XX/XX/XXXX was closed because my husbands income/debt ratio was not matching.if this was the case, heloc team could have reviewed the document carefully and approve the whatever amount that we were qualifying since I am a w2 form. 

I am getting the response that appears to be their departments fault and fallout on our case and there has been no resolution provided.

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 2025-05-02 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: TN

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$4900.00} In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unifin Inc.
State: CA

Complaint narrative:
Subject : Complaint Against Unifin , Inc. Unrecognized Debt Collection Contact To Whom It May Concern, I am writing to file a complaint against Unifin , Inc. , a debt collection agency that recently contacted me regarding a debt that I do not recognize or believe I owe. 

On XX/XX/2025, I received a text message from Unifin , Inc. regarding a debt collection. This was the first time I had ever been contacted by this company. I have never received any previous communication, nor do I recall owing any debt to the creditor they claim to represent. 

I am concerned about the validity of this debt and the manner in which the company contacted me. The communication did not include proper validation or provide sufficient information about the alleged debt. I believe this may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically my right to receive a written notice with information about the debt and my right to dispute it within XXXX days. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Unifin , Inc. complies with federal debt collection laws. I would also appreciate assistance in ensuring that this debt is properly validated, or that all attempts to collect it are ceased if it is not legitimate. 

Details of the complaint : Company Name : Unifin , Inc. 

Date of First Contact : XX/XX/2025 Method of Contact : text message Nature of Complaint : Attempted collection of an unrecognized debt without prior notice or validation Please let me know if any further documentation is needed. 

Thank you for your attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: DE

Complaint narrative:
I request the immediate correction of inaccurate personal information contained in your files and reported to other credit reporting agencies. Specifically, the personal identifying information and address history listed on my credit file are incorrect and do not reflect accurate or authorized data. 
Account for XXXXXXXX XXXX XXXX in your files you have my address listed at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. 
XXXX in your files you have my address listed at XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX You state that the creditor provided this information, The above address are inaccurate I never lived there can you provide me with a copy of the original credit card agreement with that address listed as my address or delete the inaccurate file Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. Reporting inaccurate personal information constitutes a violation of this federal law and can lead to negative consequences for the consumer. 

Additionally, per FCRA 1681i, you are required to investigate any disputed information and correct or delete inaccurate, incomplete, or unverifiable information within 30 days of receipt of this notice. Therefore, I am requesting the following actions be taken immediately : 1. Remove or correct all incorrect personal identifying information including names, social security numbers, and date of birth.

2. Remove or correct all inaccurate addresses associated with my credit file.

3. Cease any reporting of this incorrect information to third-party credit bureaus.

Please provide a written confirmation of your investigation and the changes made to my file. If you are unable to verify the accuracy of the information, it must be removed in accordance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
I recently accessed my credit reports from all three credit agencies however I noticed a repossession from company " Bridgecrest Credit ' I'm aware when a vehicle goes into repossession status the vehicle is then now sold at an auction I have not received the deficiency balance statement If I owe such debt which may mean XXXX XXXX XXXX XXXX have not gotten this information either which means it's inaccurately reporting. also Legally the consumer is to receive credit towards the alleged debt on credit reports and it's to be cancelled and the credit should be reflected towards the debt. Also Bridgecrest is reporting Closed on XXXX and open on XXXX XXXX XXXX  this is inaccurately reporting according to the FCRA this is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: RI

Complaint narrative:
these are following accounts affected and un authorized credit inquiries that will be attached in this complaint also. 



* * * * XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$200.00} XXXX, XXXX ( XXXX ) XXXX * * * * * * * * XXXX Account XXXX XXXX Date Opened XX/XX/XXXX Balance {$300.00} XXXXXXXX XXXX XXXXXXXX None provided * * * * * * * * * XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$820.00} XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX * * * * * * * * XXXX XXXXXXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX * * * * * * * * * XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX, XXXX None provided * XXXX * * * * * * XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX, XXXX ( XXXX XXXX XXXX * * * * * * * * * XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$840.00} XXXX XXXX, XXXX ( XXXX ) XXXX * * * * * * * * XXXXXXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$1400.00} XXXX, XXXX ( XXXX ) XXXX * * * * * * * * * XXXX XXXX XXXXXXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$630.00} XXXX, XXXX ( XXXX ) XXXX * * * * * * * * * XXXX Account # XXXX Date Opened XX/XX/XXXX Balance - XXXX, XXXX ( XXXX ) XXXX * * * * * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Date Opened XX/XX/XXXX Balance {$610.00} XXXX XXXX, XXXX ( XXXX ) XXXX * * * * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Date Opened XX/XX/XXXX Balance {$350.00} XXXX, XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Date XXXX XX/XX/XXXX Balance {$640.00} XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX-XXXXXX Date Opened XX/XX/XXXX Balance {$630.00} XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Employer - XXXX XXXXXXXX XXXXEmployer - XXXX-Employer - XXXXXXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX XXXX LA XXXX XXXX This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Employer - XXXX XXXX XXXXEmployer - XXXXEmployer - XXXXXXXX XXXX XXXX Incorrect Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, LA XXXX -Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX LA XXXXIncorrect Name : - XXXX XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support 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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. The information in question is Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, LA XXXX -Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX XXXX LA XXXXIncorrect Name : - XXXX XXXX. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One WMT is sharing my nonpublic personal with nonaffiliated third parties XXXX XXXX XXXX XXXX. Capital One WMT does not have my consent to have and share my private personal information. They are violating my right to privacy as a consumer, they withheld my rights to being able to opt out of sharing private information to the consumer reporting agencies. They are in violation of multiple federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I settled a charged-off account with JPMCB CARD, yet they continue to report it negatively on my credit report. This account may have been written off for tax purposes under 26 USC 166 or securitized, meaning the creditor has already been compensated and no longer holds the actual debt. Despite this, they are still reporting the charge-off, which is misleading and potentially illegal under the Fair Credit Reporting Act ( 15 USC 1681s-2 ). Ive formally disputed the item, demanding full documentation and removal, as the continued reporting appears to be willful noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
XXXX, I am writing to formally dispute an inaccurate collection account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) and the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), a debt collector must provide proper validation of a debt within 30 days of my request. However, Aldous and Associates has failed to do so, yet they continue to report this account on my credit file. Here are the details of the disputed account : Collection Agency : Aldous and Assoicates Original Creditor : XXXX XXXX Account Number:XXXXXXXX XXXX XXXX  Amount Reported : {$260.00} On XX/XX/year>, I sent a written request for validation of this debt to Aldous and Assoicates via CFPB complaint portal and they failed to respond within the required time frame. As a result, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA, this account must be deleted from my credit report immediately.

I demand that this unverified account be removed from my credit file immediately, as it is a violation of my rights under the FCRA and FDCPA. Please investigate this matter and provide written confirmation of the deletion. If you fail to do so, I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

Attached are copies of : My previous dispute letter to Aldous and Assoicates.

Proof of delivery. 

I expect a response within 30 days of receiving this letter, as required by the FCRA. Please send written confirmation of your investigation and the removal of this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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