vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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 reached out to CFPB several times over the past year for assistance with handling the unlawful acts that are happening to me. I have formally disputed the inclusion of several accounts on my credit report that have been inaccurately handled. Specifically, these accounts were either not properly investigated or have been reinserted despite their prior removal. Additionally, I have noticed that closed accounts were transferred to third-party entities without my authorization. Despite their claim of being unable to locate my credit profile, they are actively reporting inaccurate information on my credit report. I have sent this company the requested identifying documents several times, but there has been no resolve. Furthermore, it has taken them more than 30 days on several occasions to investigate my disputed accounts. This has been an ongoing struggle for a year now, and I will be taking legal action if I am unable to get this situation rectified through CFPB. This inconsistency constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). This has negatively impacted my creditworthiness and has caused me to face denials for employment opportunities and other essential assistance. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. DISCHARGE XXXX BANKRUPTY 8 . XXXX In accordance with the FCRA : 1. If these accounts can not be verified as accurate, they must be removed from my credit report immediately. 2. If reinsertion has occurred, I request documentation that justifies such actions, including the specific entities that verified the accounts and the reasons for their reentry. 3. I request a full reinvestigation of these accounts with detailed documentation regarding their origin, verification process, and current status. I still have not received any of the documentation I have requested.

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 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc.
State: CA

Complaint narrative:
Date : XXXX XXXX, 2025 Sentry Credit INC Subject : Proof of Debt Dear Sir/Madam, I am writing to formally provide proof of my debt in relation to the account with XXXX XXXX. Please find the details of the account in question below : Account Number : XXXX Amount Owed : XXXX I request that you confirm the outstanding balance and provide any supporting documentation to verify the debt, including a breakdown of the charges or any other information necessary for my records. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
I disputed several accounts on my credit report through XXXX XXXX ( TransUnion ) and requested validation of the debts before submitting an FTC Identity Theft Report. I asked to see contracts or account details to confirm whether the accounts were legitimately mine. After receiving no real documentation during the verification process, I contacted two of the creditors directly. Both stated they could not verify any debts associated with me. Thats when I realized these accounts were fraudulent and I filed an official FTC Identity Theft Report.

By that time, TransUnion had already marked the accounts as verified, even though no proof was ever provided and the creditors themselves could not confirm the debts. Since then, five of the accounts have been marked closed but are still listed on my credit report. It appears that TransUnion did not properly investigate my dispute or consider the identity theft report once it became available. 

I am submitting two FTC Identity Theft Reports one dated XX/XX/XXXX and a follow-up dated XX/XX/XXXX due to additional account changes and closures. Both reports support my claim and show my continued effort to correct my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NY

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-04-25 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:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or REMOVE. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
Upon reviewing my credit reports, I noticed several instances of late payments reported on my XXXX accounts that are inaccurate. As you know, XXXX XXXX Agencies are responsible for ensuring the accuracy of the information they report. It is critical that this information reflects the highest standard of precision. 

I have not missed any payments on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Given that all three major credit bureaus display discrepancies, I respectfully request a thorough investigation into these inaccuracies. According to the Fair Credit Reporting Act, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they include in consumer reports. 

I urge you to correct the payment history on these accounts to accurately reflect their true status as on-time payments.

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 2025-04-25 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:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
It is Highly Clear that our Loan was securitized and contains Mortgage Fraud and or Breach of Contract then we can still rescind and appeal our mortgage loan today and we shall and will lay the necessary ground work for a lawsuit demanding special compensation damage and equitable relief for a clear and marketable title of our Property and Home seeing also that there are 99 Heirs and Bank of America bidding of XXXX For Title.Therefore BofA XXXX XXXX XXXX XXXX XXXX is the party that Bank of America NA as Trustee of the party above.Ref.Loan number XXXX Parcel : XXXX XXXX Commonly known as Address XXXX XXXX XXXX XXXX Georgia XXXX Original Trustee Name : XXXX XXXX XXXX Security Type : XXXX XXXX  : XXXX  - XXXX As of Date XXXX Tranche Name : XXXX XXXX Factor : XXXX Cusip : XXXX Coupon Rate XXXX Original Security Balance XXXX Current Balance : {$0.00} First Accrual Date XXXX Maturity Date XXXX Notice of Right To Cancel Parties XXXX XXXX XXXX XXXX XXXX XXXX Borrower ( s ) hereinafter Borrower ( s )- and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Number : XXXXXXXX XXXX XXXX  LENDER 'S XXXX XXXX : XXXX LENDERS LOAN NUMBER : XXXX DATE OF REPORT : XX/XX/scrub>XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX - XXXX List of Unauthorized Inquiries : 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 XXXXXXXX XXXX - XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$32000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I sent Loan Depot copy of my homeowners insurance and property tax to show proof that I have it. They turn around on XX/XX/XXXX telling me I need to pay {$1300.00} because they added their on insurance to my account. I paid {$510.00} on XX/XX/XXXX before my grace period but since I didnt send the amount they requested they threatened me to send my partial payment back and charge me a late fee of {$23.00} because I only sent the first amount. After talking to several people and chatting online they finally credited my account for the {$3800.00} on XX/XX/XXXX after my grace period but since I didnt send the {$10.00} they charged me a late fee. I never received the letter stating that my payments was going up because of the flood insurance projection premium. They claimed to have sent it on XX/XX/XXXX but we never received it. I am mad about the non transparency this company has. They dont communicate properly or do their job right. They had my information since XX/XX/XXXX and still charged my account and caused this confusion. I have been sending proof since XXXX of this year now this. Ive never been late or went without insurance on my home. My taxes are paid every year on time as well. They could have waived the late charge but didnt and said they was not at fault or cause the error. Instead of trying to force their insurance on us they should have sent information about the flood insurance instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NJ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX  Balance {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$560.00}

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 2025-04-25 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: PA

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or REMOVE. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2025-04-25 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
XXXX accounts from Affirm INC I have no knowledge of these accounts I requested information on them and I got nothing. I want to see what information they have and what information action they have to verify these accounts. Including signatures and the information of the person who verified accounts..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
writing to dispute inaccurate information on my credit report pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). I am a victim of identity theft, and the following information on my credit report does not belong to me and must be blocked as required by law. Disputed information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA Section 605B, you are required to block the reporting of any information in my credit file that resulted from identity theft within four business days of receiving this request, provided I submit the necessary documentation. I have included identity theft report.If you fail to comply with the requirements of FCRA Section 605B, I reserve the right to pursue all available legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate information currently being reported on my credit file. Specifically, I am disputing a late payment reported by XXXX XXXX for the month of XX/XX/year> on account number XXXX. 

I have never made a late payment on this account. I have contacted XXXX XXXX directly and requested verification of this alleged delinquency. However, they have not provided any documentation or evidence to support the claim that I was late. Under the Fair Credit Reporting Act ( FCRA ), any item of information on a credit report must be complete and accurate, and must be removed or corrected if it can not be verified.

Given that no valid documentation has been provided to substantiate this derogatory entry, I am formally requesting that this late payment notation be immediately removed from my credit report. This error is negatively affecting my credit standing and does not reflect my true payment history.

Please conduct an investigation into this matter and update my credit report accordingly. I have attached a copy of my identification and a recent utility bill to verify my identity, along with the letters that i sent to each bureau.

Thank you for your prompt attention to this matter. I expect a response within the 30-day timeframe as required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate information currently being reported on my credit file. Specifically, I am disputing a late payment reported by XXXX XXXX for the month of XX/XX/year> on account number XXXX. 

I have never made a late payment on this account. I have contacted XXXX XXXX directly and requested verification of this alleged delinquency. However, they have not provided any documentation or evidence to support the claim that I was late. Under the Fair Credit Reporting Act ( FCRA ), any item of information on a credit report must be complete and accurate, and must be removed or corrected if it can not be verified.

Given that no valid documentation has been provided to substantiate this derogatory entry, I am formally requesting that this late payment notation be immediately removed from my credit report. This error is negatively affecting my credit standing and does not reflect my true payment history.

Please conduct an investigation into this matter and update my credit report accordingly. I have attached a copy of my identification and a recent utility bill to verify my identity, along with the letters that i sent to each bureau.

Thank you for your prompt attention to this matter. I expect a response within the 30-day timeframe as required by 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 non-monetary relief
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 
I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX * * * * Balance : {$930.00}

Company response to consumer: Closed with non-monetary relief