vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Ohio XXXX XXXX XXXX XX/XX/XXXX Transunion Attn : Consumer Relations Department TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Re : Dispute of Incorrect Name and Address Information on Credit Report Dear Sir/Madam, I am writing to formally dispute inaccurate information regarding my personal name and addresses that appear on my credit report. I recently obtained a copy of my credit report and noticed several discrepancies that need to be corrected immediately. 
The details of the inaccurate information are as follows : XXXX. Name Discrepancy : Incorrect Name ( s ) Listed : ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX XXXX 2. Address Discrepancy : Incorrect Address ( es ) Listed : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX Correct Address : XXXX XXXX XXXX XXXX ohio XXXX These inaccuracies may be affecting my creditworthiness, and I request that the information be corrected as soon as possible. I ask that you thoroughly investigate this issue and update my credit report to reflect my correct name and address. 
Please also ensure that the incorrect addresses are removed, and my file is updated to reflect only valid and accurate information. I understand that under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute within 30 days and notify me of the results. 
I have enclosed the necessary documentation to assist in verifying my identity and correcting the information. This includes : A copy of my government-issued ID ( e.g., driver 's license or passport ) showing my correct name and address. 
A utility bill or other official document that verifies my current address. 
Please ensure that any outdated or incorrect addresses are removed and that my credit report is updated accordingly. 
I appreciate your prompt attention to this matter and request a written confirmation that these corrections have been made. If you require any additional documentation or information to resolve this dispute, please do not hesitate to contact me. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX XX/XX/XXXX # XXXX Enclosures : Copy of Government-Issued ID Utility Bill/Official Document Showing Correct Address

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 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
equifax XXXX XXXX XXXX has taken {$6.00} from my credit card account every month since XXXX  without my knowledge of what they were doing with the information that they have collected. supposedly it was to keep an eye on my credit file and make sure there was nothing irregular happening. the only info sent was on XX/XX/year> that my XXXX  XXXX credit card balance decreased. percent decrease. they never sent anymore information afterwards. I request all the money taken by Equifax XXXX XXXX XXXX XXXX be returned to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year> & XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: MD

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year> & XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>

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 2025-04-19 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: WA

Complaint narrative:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to 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 2025-04-19 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: NC

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$6900.00} XXXX XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$10000.00} XXXX XXXX XXXXXXXX - Opened XX/XX/XXXX With a balance of {$0.00} XXXX XXXX XXXXXXXX - Opened XX/XX/XXXX With a balance of {$22.00} XXXX XXXX XXXXXXXX - Opened XX/XX/XXXX With a balance of {$390.00} XXXX XXXX - Opened XX/XX/XXXX With a balance of {$1600.00} XXXX XXXX - Opened XX/XX/XXXX With a balance of {$350.00} XXXX XXXX- Opened XX/XX/XXXX With a balance of {$100.00} XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$310.00} XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$0.00} All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I have called XXXX and they have told me to reach out to the CFPB about this situation. I have ask XXXX to delete or take this off my credit report. One of the customer service rep told me they could not do it o. Their end that I need to reach out to the CFPB about this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Regional Management Corporation
State: NC

Complaint narrative:
i had XXXX account with them and it shows XXXX accounts with same account number

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have discovered discrepancies with the following item ( s ) : 1. The following account is not mine DEPT OF EDXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

2. The following account is not mine DEPT OF EDXXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt. 

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and rectify these erroneous entries. It is my understanding that you are required to verify these items with the relevant creditor. Please delete any information that can not be substantiated by the creditor. I am aware that, as per 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receiving this letter. 
Kindly send an updated copy of my credit report to the provided address. According to the aforementioned act, no fee should be charged for this updated report. Additionally, I request that you notify any entities who have obtained my credit report in the past six months about the corrections made

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
For the last three months I have been disputing these XXXX accounts on my credit report with XXXX, Transunion, and XXXX. I have noted 15 US. Code 1692g and 15 US. Code 1692c. I have also mentioned FCRA 623 ( a ) but, I never receive any proof to verify debt.I only have names and amounts, no accounts. 

XXXX {$1600.00} XXXX XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX {$450.00}

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 2025-04-19 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$7200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$7100.00}

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 explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: MD

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-04-19 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: NJ

Complaint narrative:
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: NJ

Complaint narrative:
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

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 2025-04-19 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE. Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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 requested via XX/XX/year> for XXXX  to validate the collection acct placed on my credit report. I asked why was the information appearing on my credit report for the second time after it had been resolved and removed previously, they failed to produce any documents or have an explanation. The acct is still under review and pending under my dispute center. This acct does not belong to me nor have I ever done any business with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting a formal complaint regarding the inaccurate and inconsistent reporting of my XXXX XXXX auto loan account ( # XXXX ) across the XXXX major credit bureaus : XXXX, Experian, and XXXX. There are several critical discrepancies affecting my credit profile. First, the account open date is reported differently XXXX  lists XX/XX/XXXX, while Experian and XXXX  report XX/XX/XXXX. The loan term is correctly listed as 75 months with XXXX  and Experian, but XXXX  inaccurately reports it as 0 months. The Date Last Active varies across bureaus : XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX, and XXXX  lists XX/XX/XXXX. Likewise, the Date of Last Payment is listed as XX/XX/XXXX with XXXX  and Experian, but XXXX  reports XX/XX/XXXX. Additionally, XXXX  includes comments such as Auto, Fixed Rate, while XXXX  and Experian leave the comments section blank, creating inconsistency. 

Most importantly, all three bureaus report a 30-day late payment in XX/XX/XXXX, which I believe is inaccurate. I am requesting that the CFPB place specific emphasis on this reporting and require that the data furnishers or credit bureaus provide documented proof that this payment was in fact late, including original statements, account ledgers, or verified billing records. If they are unable to verify the accuracy with proper evidence, I request that the late payment entry be permanently removed from all three credit reports in compliance with the Fair Credit Reporting Act ( FCRA ) Section 611, which requires deletion of unverifiable information. 

This inaccurate reporting has already negatively impacted my credit profile. I was recently denied credit by a major lender, and the denial letter cited derogatory remarks related to this auto loan. My score has dropped due to this error, affecting my ability to access new credit, refinance existing debt, and move forward with personal financial goals. These reporting errors are causing unnecessary stress and financial harm. I respectfully urge the CFPB to investigate these discrepancies and ensure the credit bureaus and furnishers comply with federal law in providing accurate and fully verifiable reporting.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have at multiple occasions informed the credit bureaus about the wrong information on my credit report. All of these accounts have been paid off or closed or inaccurate information. 

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 non-monetary relief