vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I am a victim of identity theft. Fraudulent information reported on my credit report. Pursuant to FCRA 605B please remove from my credit 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 non-monetary relief
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I am a victim of identity theft. Fraudulent information reported on my credit report. Pursuant to FCRA 605B please remove from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Comerica
State: CA

Complaint narrative:
I am writing to escalate an ongoing issue regarding my request for a payoff statement. I am a XXXX XXXX XXXX, and I have been requesting this payoff information since the beginning of XXXX. Despite submitting the required documentation, including the trustee 's affidavit, death certificate, and the authorization form ( which names the trustee as the sole living relative ), my request is still being denied. 
This denial is in direct violation of the Consumers Act, and as this is a time-sensitive matter, I kindly request your immediate assistance. They are attempting to involve their attorneys, but I have been waiting for them to make contact with me without any response. 
I would greatly appreciate your prompt attention to this matter to avoid any further delays. 
Thank you for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: LEXISNEXIS
State: GA

Complaint narrative:
Subject : Request for Review and Removal of Inaccurate XXXX XXXX XXXX Reporting Dear Consumer Financial Protection Bureau, I am writing to formally dispute the continued reporting of a XXXX XXXX XXXX on my credit file and request your assistance in resolving this matter. 

On XX/XX/year>, Experian advised in their response to my dispute that I have the right to contact the original source of the information. They stated that the reporting entity certified the information as accurate and therefore did not update or remove the item from my credit report. 

However, there are significant discrepancies that I believe warrant further investigation : Incorrect Name Spelling : My legal name, as listed on federal documents including my bankruptcy filing, is XXXX XXXX XXXX XXXX After submitting valid identificationincluding a copy of my drivers license and proof of addressto all three credit bureaus, my name was incorrectly updated to XXXX XXXX XXXX XXXX This change does not match the official court documents associated with the bankruptcy filing, which raises questions about the accuracy of the reporting. 

XXXX XXXX XXXX XXXX : I submitted a written request to remove the XXXX XXXX XXXX based on the incorrect association with my current name across all three credit bureaus. Additionally, I opted out of unverified third-party data sources and included supporting letters from LexisNexis dated XX/XX/year>. These letters further support my claim that the information being reported may not be verifiable or correctly attributed. 

Given these inconsistencies, I respectfully request that the CFPB review the documentation I have provided and assist in the removal of this inaccurate bankruptcy record from my credit reports. I have uploaded the relevant documents for your review.

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
Subject : Request for Review and Removal of Inaccurate XXXX XXXX  Bankruptcy Reporting Dear Consumer Financial Protection Bureau, I am writing to formally dispute the continued reporting of a XXXX XXXX bankruptcy on my credit file and request your assistance in resolving this matter. 

On XX/XX/year>, Experian advised in their response to my dispute that I have the right to contact the original source of the information. They stated that the reporting entity certified the information as accurate and therefore did not update or remove the item from my credit report. 

However, there are significant discrepancies that I believe warrant further investigation : Incorrect Name Spelling : My legal name, as listed on federal documents including my bankruptcy filing, is XXXX XXXX XXXX XXXX After submitting valid identificationincluding a copy of my drivers license and proof of addressto all three credit bureaus, my name was incorrectly updated to XXXX XXXX XXXX XXXX This change does not match the official court documents associated with the bankruptcy filing, which raises questions about the accuracy of the reporting. 

XXXX XXXX Bankruptcy Reporting : I submitted a written request to remove the XXXX XXXX bankruptcy based on the incorrect association with my current name across all three credit bureaus. Additionally, I opted out of unverified third-party data sources and included supporting letters from XXXX dated XX/XX/year>. These letters further support my claim that the information being reported may not be verifiable or correctly attributed.

Given these inconsistencies, I respectfully request that the CFPB review the documentation I have provided and assist in the removal of this inaccurate bankruptcy record from my credit reports. I have uploaded the relevant documents for your review.

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-05-06 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: TX

Complaint narrative:
There are serious issues on my credit report that I can not ignore any longer. My personal information is incorrect, and as a result, there are accounts and entries showing up that Ive never opened or used. Its become clear that my file has been mixed with someone elses, and its affecting both my financial standing and peace of mind. This isnt just a mistakeits causing real stress and making it harder for me to move forward.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is being used to buy cars and I seen it on my credit report I dont even have a license. Am suffering from identity theft and property is also being bought

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NY

Complaint narrative:
To Whom It May Concern, This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im unsure why you included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same.

From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Under 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Did I give your company permission to transfer my information to another company? No. Under 18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. You have violated my consumer rights.

Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be deleted. So, please delete these accounts due to the inaccuracies that are being reported.

Original Creditor : Department of EducationXXXX Account XXXX XXXX XXXX Late Payment Reported Date : XXXXXXXX XXXX XXXX  These are all inconsistent over XXXX, XXXX, Experian. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part. I am politely asking that you delete it from my profile, and I believe 20 days is more than enough time for this to happen. 

Thanks in advance. 

The information must be deleted from my report as soon as possible. It is inaccurate and misleading and represents a serious error in your reporting. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 
Sincerely yours, 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 2025-05-06 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: NY

Complaint narrative:
To Whom It May Concern, This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im unsure why you included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same.

From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Under 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Did I give your company permission to transfer my information to another company? No. Under 18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. You have violated my consumer rights. 


Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be deleted. So, please delete these accounts due to the inaccuracies that are being reported.

Original Creditor : Department of Education/XXXX XXXX XXXX XXXXXXXX Late Payment Reported Date : XXXX XXXX XXXX  These are all inconsistent over XXXX, TransUnion, XXXX. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part. I am politely asking that you delete it from my profile, and I believe 20 days is more than enough time for this to happen. 

Thanks in advance. 

The information must be deleted from my report as soon as possible. It is inaccurate and misleading and represents a serious error in your reporting.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Sincerely yours, 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 2025-05-06 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: NY

Complaint narrative:
To Whom It May Concern, This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im unsure why you included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same.

From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Under 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Did I give your company permission to transfer my information to another company? No. Under 18 U.S. Code 1028A - Aggravated identity theft ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. You have violated my consumer rights.

Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be deleted. So, please delete these accounts due to the inaccuracies that are being reported. 

Original Creditor : Department of EducationXXXX Account XXXX XXXX XXXX Late Payment Reported Date : XXXX XXXX XXXX  These are all inconsistent over Equifax, XXXX XXXXXXXX. It is evident that the inaccurate information is a mistake on either your part or the reporting creditors part. I am politely asking that you delete it from my profile, and I believe 20 days is more than enough time for this to happen. 

Thanks in advance. 

The information must be deleted from my report as soon as possible. It is inaccurate and misleading and represents a serious error in your reporting. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 
Sincerely yours, XXXX XXXX

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: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NC

Complaint narrative:
I am reporting a matter related to incorrect details on my credit file. Equifax confirmed that a system error caused my personal information to be exposed and subsequently misused. I have faced denials as a result, and I am asking for this issue to be addressed and resolved within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX, I AM A VICTIM OF IDENTITY THEFT. SOMEONE ELSE IS USING MY PERSONAL INFORMATION TO APPLY FOR ACCOUNTS IN MY NAME FRAUDULENTLY. I HAVE ALREADY SPOKE TO THE BANKS AND THEY WILL OPEN AN INVESTIGATION, BUT IT HAS BEEN MORE THAN 2 MONTHS AND I STILL SEE THE FRAUDULENT INFORMATION ON MY CREDIT REPORT. I HAVE MULTIPLE INQUIRIES OR FRAUDULENT INQUIRIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
HELLO MY NAME IS XXXX XXXX, I AM A VICTIM OF IDENTITY THEFT. SOMEONE ELSE IS USING MY PERSONAL INFORMATION TO APPLY FOR ACCOUNTS IN MY NAME FRAUDULENTLY. I HAVE ALREADY SPOKE TO THE BANKS AND THEY WILL OPEN AN INVESTIGATION, BUT IT HAS BEEN MORE THAN 2 MONTHS AND I STILL SEE THE FRAUDULENT INFORMATION ON MY CREDIT REPORT. I HAVE MULTIPLE INQUIRIES OR FRAUDULENT INQUIRIES.

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: LA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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: EQUIFAX, INC.
State: PA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief