vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: GA

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent a dispute letter to Equifax via XXXX XXXX Mail regarding their reporting of an account for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ). As you can see from the attached document " Equifax XXXX XXXX '', that dispute was submitted XX/XX/XXXX and completed on XX/XX/XXXX. This original dispute highlighted inconsistencies in the estimated removal date for this account across the XXXX bureaus, implying varying ( and potentially incorrect ) dates of first delinquencies. Equifax 's online portal indicates this dispute is completed ; however, my current Equifax credit report obtained today ( XX/XX/XXXX, see attached document " XXXXXXXX XXXX Payments XXXX '' ) demonstrates that not only was the error not fixed, but Equifax 's attempted resolution has introduced severe new factual inaccuracies and illogical contradictions into the payment history for this account. Specifically, a side-by-side comparison with this new XX/XX/XXXX payment history and the prior report ( see " Equifax XXXXXXXX XXXX  XXXX XXXX XXXX XXXX the following undeniable errors : 1 ) Both reports ( XX/XX/XXXX and XX/XX/XXXX ) show that XX/XX/XXXX was paid on-time, as evidenced by a green checkmark. The older report shows that XX/XX/XXXX was 30 days late, but the report today shows 60 days late. This is a fundamental logical impossibility ; a payment can not go from on-time to 60 days late in a single month. 
XXXX ) The prior report ( XX/XX/XXXX ) showed XX/XX/XXXX as 120 days past due, but the current report ( XX/XX/XXXX ) now inexplicably shows as No Data Available. Historical data should not simply disappear or be replaced with No Data Available if it was previously reported. 
XXXX ) The overall delinquency progression from XX/XX/XXXX through XX/XX/XXXX, given the removal of XX/XX/XXXX 's data, is now illogical and inconsistent, further indicating inaccurate reporting. 
The egregious inconsistencies demonstrate a complete failure by Equifax to conduct a " reasonable investigation '' as required by the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). I demand the immediate and complete deletion of the entire XXXXXXXX XXXX  account tradeline from my Equifax credit report, as it is clear Equifax can not report this information accurately and consistently.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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: EQUIFAX, INC.
State: MA

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CarMax, Inc.
State: AZ

Complaint narrative:
I am formally disputing inaccurate late and duplicate payment information reported on my credit file under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1666b 15 U.S. Code 1681i and 1681s-2 The following account is being incorrectly reported with late payments : Creditor : CarMax Auto Finance Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date ( s ) of Alleged Late Payments : Date XXXX

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am formally disputing inaccurate late and duplicate payment information reported on my credit file under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1666b 15 U.S. Code 1681i and 1681s-2 The following account ( s ) are being incorrectly reported with late payments : Creditor : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date ( s ) of Alleged Late Payments : Date Reported:XXXX XXXX is reporting the same account more than once, which is inaccurate, misleading, and a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting immediate and complete deletion from all credit reports across all 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 non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am formally disputing inaccurate late and duplicate payment information reported on my credit file under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1666b 15 U.S. Code 1681i and 1681s-2 The following account ( s ) are being incorrectly reported with late payments : Creditor : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date ( s ) of Alleged Late Payments : Date XXXX XXXX is reporting the same account more than once, which is inaccurate, misleading, and a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting immediate and complete deletion from all credit reports across all 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am formally disputing inaccurate late and duplicate payment information reported on my credit file under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), specifically 15 U.S.C. 1666b 15 U.S. Code 1681i and 1681s-2 The following account ( s ) are being incorrectly reported with late payments : Creditor : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date ( s ) of Alleged Late Payments : Date ReportedXXXX XXXX is reporting the same account more than once, which is inaccurate, misleading, and a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting immediate and complete deletion from all credit reports across all credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened my bank account not knowing that I would have to move in the next couple of days but I did and I did not receive the debit card as I went online to access my account I wanted to change my address to the app and I have forgot my password so I called them to try to get access to my online account they locked me out because I did not have my account number or the debit card number I told them I had no way of giving them that information because I can't get into my online account and I don't have the debit card that was mailed to the wrong address they stated that there's nothing that they can do because I can't read by the account with my account number or my debit card information and I have and I told them what can they say I'm XXXX payment that I received back so that the person can send it a different way and I will figure out how to access my account they told me to go to the nearest branch and I asked for that information and I said oh well there's none in your area or your state and I said what can I do to verify who I am can I send you my ID a picture with me and my ID and a date or something or ask some questions and I said no there's nothing they can do and so for the last month I've been trying to access this account and they refuse to do so I am just trying to get into my account to get my money and they're refusing to help me

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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: FL

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 XXXX  Account # : XXXX XXXX XXXX  Account # : XXXX XXXX  XXXX/XXXX/2025 XXXX XXXX XXXX/XXXX/2025 XXXX XX/XX/year>2025 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a current XXXX XXXX XXXX XXXX with over XXXX years of continuous service. My current FICO score is XXXX, and I earn over {$130000.00} per year in documented gross income. I have 100 % on-time payment history across all obligations and a debt-to-income ratio of approximately 32 %. 

I have applied to LightStream multiple times over the past several years, most recently on Monday, XX/XX/XXXX, and previously in XXXX and XXXX. I applied for personal loans, including a {$95000.00} loan for debt consolidation ( auto loan and personal loan ). Despite meeting or exceeding every stated qualification including income, credit score, and payment history I was denied each time without receiving a meaningful explanation or a detailed adverse action notice.

Furthermore, I attempted to contact LightStream to gain clarification on the denial. However, there was no clear or accessible contact information on their website for speaking with a representative directly. As a result, I was unable to reach a live person or receive clarification regarding their decision-making criteria.

I am concerned that LightStreams automated underwriting algorithms may be disproportionately flagging my applications for reasons that could be indirectly related to protected characteristics under the Equal Credit Opportunity Act ( ECOA ), including ZIP code, loan purpose, or demographic profile.

I am requesting that LightStream provide a full explanation of the specific underwriting factors that led to these repeated denials and that the Consumer Financial Protection Bureau investigate whether these practices align with fair lending requirements under 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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: VA

Complaint narrative:
I paid Mutual of Omaha additional {$70000.00} principal payment Mutual of Omaha did not apply payment to my loan Mutual of Omaha sold my loan my additional {$70000.00} principal payment lost Mutual of Omaha refuse to send my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kora Financial
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation Under 15 U.S.C. 1692g To Whom It May Concern, I am formally requesting validation of the alleged debt referenced in your recent communication, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please note that I am not refusing to pay, but I am requesting verification in accordance with my rights under federal law.

Pursuant to 15 U.S.C. 1692g ( b ), I am requesting the following : XXXX. The name and address of the original creditor XXXX. The amount of the alleged debt, including an itemized breakdown of all interest, fees, payments, and charges XXXX. A copy of the original signed agreement or contract bearing my signature ( if applicable ) XXXX. Proof that you are legally authorized to collect this debt on behalf of the creditor XXXX. A copy of any judgment ( if applicable ) Please also confirm whether this debt is within the statute of limitations in my state and whether it is being reported to any credit bureaus. 

During this verification process, you must cease all collection activities, including reporting the debt to credit reporting agencies, until the requested validation is provided, per FDCPA 1692g ( b ).

If you can not provide the requested information, you are required to cease collection efforts and remove any information related to this alleged debt from any credit reporting agency to which you may have reported it. 

Please respond to this request in writing within 30 days. If you continue collection efforts without validation, I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation