vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-13 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-05-13 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: NC

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 2025-05-13 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: NV

Complaint narrative:
I currently XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. In XX/XX/XXXX, someone opened three credit cards in my name. I neither approved nor authorized these credit cards. Someone stole my identity and opened these credit cards.

I called Equifax and asked to place a credit freeze on my account. They refused. The customer support said I could not verify all my information. He said recently that I disputed an item, which is not true. I repaid all my XXXX  loans in XXXX, and the banks closed my credit card accounts in XXXX because I was living and working in XXXX between XXXX and XXXX. I had no open accounts, so I had nothing to dispute. 

I mailed a printed letter from XXXX XXXX, XXXX, to Equifax Information Services LLC, XXXXXXXX XXXX XXXX XXXXXXXX, GA, XXXX by registered mail. It took a month. They mailed a letter to my friend 's address in XXXX XXXX, NV. They claim my driver 's license and Social Security Card are not enough and requested more identification. ( XXXX and XXXX had no trouble accepting the same identification ). 

I disagree. I have a Real ID Nevada driver 's license. The credit bureaus have access to people 's driver 's license information. I checked on XX/XX/XXXX, with the Nevada DMV, and my license is still active. The licence matches my name, birthday, and address, which I tried to update with Equifax. 

Equifax is wrong for not accepting an active and current Real ID. Equifax did the same thing when I requested an investigation into the three credit cards opened in my name while living and working in XXXX from XX/XX/XXXX until now. I also filed a separate complaint for refusing to investigate. 

I attached Equifax 's letter and the letter that I wrote as evidence. I signed the printed letter before mailing it with images of my Real ID Nevada and Social Security Card. I don't want these companies to have a picture of my signature, so I uploaded my letter without my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
These inquiries are unfamiliar to me, and I believe they are unauthorized. I urge you to take swift action to address this issue. Supporting documents are attached for your reference.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
b'I am filing this complaint against Equifax for violating my consumer rights under the Fair Credit Reporting Act (FCRA) by refusing to conduct a reasonable reinvestigation of disputed information on my credit report, as required by 15 U.S.C.  1681i.\nOn XXXX XXXX XXXX, I mailed a dispute letter to Equifax via USPS with tracking numbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX which was delivered. In the letter, I disputed the following inaccuracies on my credit report:\nNegative accounts reported inaccurately.\nA bankruptcy record with incomplete information.\nIncorrect personal information.\nPer FCRA, any item on a credit report must be verifiable, accurate, and complete to be reported. To support my dispute and verify my identity, I included copies of my government-issued ID, Social Security card, and proof of address, as required. My dispute letter complied with FCRA guidelines for submitting disputes.\nOn XXXX XXXX XXXX, I received a response from Equifax stating that for them to conduct an investigation, I should send a copy of the documents, despite my having already submitted these documents with my dispute letter. This response is unacceptable, as I provided sufficient documentation to verify my identity, and Equifaxs refusal to investigate violates my rights under FCRA.\nUnder 15 U.S.C.  1681i(a)(1), if a consumer disputes the completeness or accuracy of any item in their file, the consumer reporting agency (CRA) must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Equifaxs refusal to investigate my dispute, despite my compliance with FCRA requirements, violates this provision, harming my creditworthiness and causing significant distress'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Received notification in early XXXX that I have a surplus check due me. Sent back document signed to send check. Claimed they never received it. Keep getting the run around and different information to resolve this.

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 2025-05-13 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: TX

Complaint narrative:
This record of late payments is erroneous and does not accurately reflect my regular payment patterns. I have consistently made my payments on time, and I ask that it be deleted to guarantee that my account is reflecting correct information.

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 2025-05-13 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: 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 : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6900.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3900.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$9900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$990.00} FIRST CAPITAL XXXX XXXX XXXX * Balance : {$630.00} XXXX XXXX XXXX XXXXXXXX Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$540.00} XXXX ( XXXX Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$59.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$760.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX 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 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 2025-05-13 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:
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 : DEPTEDXXXX XXXXXXXX * * * * Balance : {$6900.00} Date Opened : XX/XX/year> DEPTEDXXXX XXXXXXXX * * * * Balance : {$3900.00} Date Opened : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$1100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Balance : {$630.00} XXXXXXXX XXXX XXXX XXXXXXXX Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$540.00} XXXX ( XXXX Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$59.00} XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$160.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$390.00} 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 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
b"I am filing this complaint against TransUnion for violating my consumer rights under the Fair Credit Reporting Act (FCRA) by refusing to conduct a reasonable reinvestigation of disputed information on my credit report, as required by 15 U.S.C.  1681i.\nXXXX XXXX XXXX XXXX, I mailed a dispute letter to XXXX XXXX XXXX  with tracking number XXXX XXXX XXXX XXXX XXXX XXXX  which was delivered. In the letter, I disputed the following inaccuracies on my credit report:\nNegative accounts reported inaccurately.\nA bankruptcy record with incomplete information.\nIncorrect personal information.\nPer FCRA, any item on a credit report must be verifiable, accurate, and complete to be reported. To support my dispute and verify my identity, I included copies of my government-issued ID, Social Security card, and proof of address, as required. My dispute letter complied with FCRA guidelines for submitting disputes.\nOn XXXX XXXX XXXX, I received a response from TransUnion stating, We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. This response is unacceptable, as I personally sent the dispute letter with sufficient documentation to verify my identity, and no third party was involved.\nUnder 15 U.S.C.  1681i(a)(1), if a consumer disputes the completeness or accuracy of any item in their file, the consumer reporting agency (CRA) must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. TransUnions refusal to investigate my dispute violates this provision, harming my creditworthiness and causing significant distress."

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Fair Credit Reporting Act XXXX XXXX Accounts I am formally dispute inaccurate and potentially unverifiable late payment information being reported on my credit file by XXXX XXXX XXXX XXXX. This dispute concerns the following accounts : - Credit Card Account Ending in XXXX reported late XX/XX/year> - Account Number : XXXX reported late XXXX, XX/XX/year> I have reviewed my credit report and believe the late payments associated with these accounts are inaccurate, incomplete, or can not be verified. In accordance with the Fair Credit Reporting Act ( FCRA ), I am exercising my legal rights under the following provisions : - 15 U.S.C. 1681i Reinvestigation of disputed information by consumer reporting agency - 15 U.S.C. 1681s-2 Responsibilities of furnishers of information - 15 U.S.C. 1681e Compliance procedures- 15 U.S.C. 1681c Reporting limitations- 15 U.S.C. 1681g Disclosures to consumers I am requesting that the credit bureaus ( Experian, Equifax, and TransUnion ) These reported late payments are inaccurate, incomplete, and not reflective of my actual payment activity. Pursuant to 15 U.S. Code 1666b of the Truth in Lending Act, a creditor may not treat a payment on a credit card account as late for any purpose unless the creditor has adopted reasonable procedures to ensure that periodic statements are mailed or delivered at least 21 days before the payment due date. 
Please verify and provide the followingXXXX. Proof that statements for the above months were delivered at least 21 days prior to the due date, as required by law. 
XXXX. Specific details regarding the payment due dates, the dates payments were received, and how the determination of delinquency was made. 
If this information can not be verified with documentation that complies with the Truth in Lending 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 explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

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 2025-05-13 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: TX

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Experian have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( XXXX ) that needs to be immediately DELETED. It is as follows : XXXX Account 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