vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX Amount owed : {$0.00} Inquiries Account XXXX : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX Opened : XX/XX/XXXX Account name : XXXX XXXX  Account opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX. Account name : XXXX Account opened : XX/XX/XXXX XXXX. Account name : XXXX XXXX XXXX XXXX Account opened : XX/XX/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 2025-03-31 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: IL

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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:
my information was leaked in the equifax data breach and accounts were opened under my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXXXXXX XXXX {$670.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$570.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$500.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX {$470.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XXXX XXXX, XXXX XXXX  Balance {$1800.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$880.00} Open Date XX/XX/XXXX XXXXXXXX XXXX XXXX Balance {$690.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$560.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} Open Date XX/XX/XXXX inquiries XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXXXXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX  Date XXXX XXXX, XXXX XXXX XXXX Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I've tried to contact them in XXXX or XX/XX/2024 I tried to explain that the payment was to high for me they lowered it XXXX $ the payment would begin in XXXX XXXX XXXX  I made XXXX and XXXX payment. I was still struggling this is the first time i bought a house and I talked to a lady from penny Mac I tried to explain the payments were still to high. She told I had to make 2 payments in month and a half totally {$3000.00}. I told her I'd try to e try time I tried to talk to someone I couldn't reach anyone. I wanted to know why the principal was {$280.00} and the rest of the payment was interest. I never could get a clear solution to the problem then I was sent paperwork stating that I never made a payment when I did. I was hospitalized in XX/XX/2024 for 2 weeks and 2weeks after that again for a other week and a half. I've not got any response for a solution to save my house. I got an email from the first loan company wanting me to sigh a paper that money that was taken from my girlfriends account was a gift and they wasnt goin to give it back which it was not a gift the first mortgage company who approved the loan told us to borrow it and it was to look like we had the money they needed to show in my account so we could be approved but they took the money any a year later after selling ourr loan to penny Mac their asking us to sign this paper to foreclose on my house. I've been given the runaround for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Account # : XXXX Capital One Auto Finance, XXXX, XXXX, and XXXX have illegally recorded late payments on my credit report, which I always make on time, thereby violating the law and harming my integrity as a person in society.

by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means.

consumer report 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. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report a fraudulent account appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX {$130.00} # XXXX opened XXXXXXXX XXXX XXXX {$100.00} # XXXX opened XXXX, XXXX XXXX {$37.00} # XXXX XXXX, XXXX XXXX {$270.00} # XXXX XXXXXXXX XXXX XXXX {$400.00} # XXXX opened XXXX, XXXX XXXX {$2000.00} # XXXX opened XXXX, National Credit System {$10000.00} # XXXX opened XXXXThese accounts have resulted in a fraudulent accounts appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. CFPB Complaint against XXXX XXXX XXXX Equifax XXXX Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, account have resulted in an account appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: AR

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-31 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: AR

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I traded in my XXXX to a Kia XXXX the loan was XXXX and I traded for a newer vehicle. I made my payment on its due date. 
They were paying off full vehicle and I drove off in a newer vehicle. Signed all releases of liability and documents. 
They did not process payoff for over 30 days and are reporting delinquent on my credit. 
I took the new car the same day and financed new car with Kia Finance America as well. they won't respond or provide information and i've sent contract copies, written letters, called. 
This is an error and they won't fix it. 
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 2025-04-01 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
These accounts say charge off and closed but are still reporting late payments to the credit bureaus and still putting information that is not correct which is against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: IN

Complaint narrative:
I have not supplied proof under the XXXX  of XXXX  by XXXX, XXXX XXXX XXXX ( mo ) 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 explanation
Consumer complaint received 2025-03-31 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: IN

Complaint narrative:
I have not supplied proof under the XXXX  of XXXX  by XXXX, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) Sections 611 [ 15 U.S.C. 1681i ] and 623 [ 1681s-2 ( b ) ], regarding inaccurate and inconsistent information being reported for the following account :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) Sections 611 [ 15 U.S.C. 1681i ] and 623 [ 1681s-2 ( b ) ], regarding inaccurate and inconsistent information being reported for the following account :

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-03-31 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: AL

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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX  ACCOUNT XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX ACCOUNT XXXX ACCOUNT NAME : XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT XXXX ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB Consumer Complaint Division, I am urgently reaching out to formally file a complaint against XXXX which continues to ignore compelling evidence of identity theft in my case, unfairly holding me accountable for fraudulent activities under Case ID XXXX. Despite providing detailed documentation, including police and FTC Identity Theft reports, XXXX has failed to take the necessary action to resolve this issue, severely impacting my financial security and credit integrity. 

Serious Concerns : - XXXX is ignoring its legal obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), specifically its duty to reinvestigate and correct inaccurate information. 
- This negligence compromises my financial security and credit integrity without justification. 

Specific Loan IDs Involved : - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation