vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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:
Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Demand for Immediate Deletion of Inaccurate Accounts Notice of Intent to Pursue Legal Remedies Dear XXXX  and Experian, I am writing to formally dispute and demand the permanent deletion of the following accounts from my consumer credit file, which continue to report inaccurately, incompletely, or in violation of federal law despite previous reinvestigation results from XXXX  indicating the accounts are not currently reporting or contain errors : XXXX. XXXX XXXX / XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX / XXXX You are hereby notified that continued reporting of these accounts constitutes willful noncompliance under the FCRA, 15 U.S.C. 1681n, and negligent noncompliance under 1681o, as well as potential violations of the FDCPA. Equifax has already verified these accounts are no longer reporting or were previously disputed and corrected. However, if you continue to publish false, misleading, or unverifiable information to third parties, I will initiate legal proceedings without further notice.

As required under 15 U.S.C. 1681i, you have a duty to delete or correct any inaccurate or unverifiable information after reinvestigation. By failing to do so, you risk a lawsuit seeking {$1000.00} per day, per violation, as well as actual damages, emotional distress, punitive damages, attorney 's fees, and court costs. 

You have XXXX XXXX from the date of this letter to remove the disputed accounts from my file and issue written confirmation. Should you fail to comply, I will not hesitate to pursue civil action in accordance with the rights afforded to me under federal law. 

This is your final warning. 

Sincerely, XXXX XXXX [ XXXX Last XXXX : XXXX [ Date of Birth : 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 2025-05-21 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: FL

Complaint narrative:
Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Demand for Immediate Deletion of Inaccurate Accounts Notice of Intent to Pursue Legal Remedies Dear XXXX  and Experian, I am writing to formally dispute and demand the permanent deletion of the following accounts from my consumer credit file, which continue to report inaccurately, incompletely, or in violation of federal law despite previous reinvestigation results from XXXX  indicating the accounts are not currently reporting or contain errors : XXXX. XXXX XXXX / XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX / XXXX You are hereby notified that continued reporting of these accounts constitutes willful noncompliance under the FCRA, 15 U.S.C. 1681n, and negligent noncompliance under 1681o, as well as potential violations of the FDCPA. Equifax has already verified these accounts are no longer reporting or were previously disputed and corrected. However, if you continue to publish false, misleading, or unverifiable information to third parties, I will initiate legal proceedings without further notice.

As required under 15 U.S.C. 1681i, you have a duty to delete or correct any inaccurate or unverifiable information after reinvestigation. By failing to do so, you risk a lawsuit seeking {$1000.00} per day, per violation, as well as actual damages, emotional distress, punitive damages, attorney 's fees, and court costs. 

You have XXXX XXXX from the date of this letter to remove the disputed accounts from my file and issue written confirmation. Should you fail to comply, I will not hesitate to pursue civil action in accordance with the rights afforded to me under federal law. 

This is your final warning. 

Sincerely, XXXX XXXX [ XXXX Last XXXX : XXXX [ Date of Birth : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Credit reporting agencies keep saying account coming back verified this is a fraudulent account thats being reported I have my documents to justify this fraudulent account thats being verified as account trans union and equifax is not doing a proper investigation on this 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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
USAA closed all my accounts been family member of veteran for over XXXX  years I would like to be able to clear my name in their system I would like to get back my banking privileges which were taken away.

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 2025-05-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Long & Foster Financial Services, Inc.
State: OR

Complaint narrative:
We closed on a refinance with a VA loan using Prosperity Home mortgage XX/XX/year>. During the process it was specifically asked if our XXXX would stay open and discussed that the funds being paid to the XXXX would be needed for the new roof as the cash disbursement was not enough. I was assured the XXXX would stay open and just be paid off so the funds would be available. The funds were dispersed and the XXXX was closed. The XXXX XXXX handling the XXXX said that the lender sent it over as set to close and that if the title company sent a request to reopen it they would do so. I called the title company and was referred to the lender. The lender referred me back to the title company. At this point no one is willing to send the request to reopen the XXXX and I feel we were misled during the loan process. If we would have known the XXXX would close we would have taken a different course of action. Overall this has been a poor experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a formal follow-up complaint to address XXXX continued reporting of an incorrect and outdated address on my credit report. The address in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX not accurate, nor have I ever confirmed this as my residential or mailing address in any verified application. I have disputed this item before, and Equifax has failed to provide any original documentation proving its validity. The failure to remove or properly verify this information reflects a disregard for the legal requirements under the Fair Credit Reporting Act ( FCRA ), and may also suggest that my personal information was compromised or linked through flawed third-party data.

Equifax is mandated by 15 U.S.C. 1681e ( b ) to ensure the maximum possible accuracy of all information included in consumer credit files. Furthermore, Equifax must follow the provisions of 15 U.S.C. 1681i ( a ), which require it to conduct a reasonable reinvestigation of any disputed information. As it stands, I have received no proof that this address is legitimate or lawfully reported, and its continued presence raises red flags about both the completeness and integrity of the reinvestigation process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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:
This CFPB complaint is submitted pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that TransUnion, the credit reporting agency , block and remove all information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts that I do not recognize and that have negatively impacted my FICO credit report. The fraudulent accounts include : a credit card account at XXXX opened on XX/XX/XXXX ( account number XXXX * * * * * * * * * * ), a XXXX  credit card opened on XX/XX/XXXX ( account number XXXX * * * * * * ), an auto loan at XXXX opened on XX/XX/XXXX XXXX account number XXXX * * * * * * * * * ), and an auto loan at XXXX XXXX opened on XX/XX/XXXX XXXX account number XXXX * ). Additional fraudulent accounts include a credit card at XXXX opened on XX/XX/XXXX ( account number XXXX * * * * * * * * * * ), a XXXX XXXX  XXXX credit card opened on XX/XX/XXXX ( account number * * * ), another XXXX XXXX  XXXX credit card opened on XX/XX/XXXX ( account number ), and a XXXX  credit card opened on XX/XX/XXXX ( account number XXXX ). These accounts have resulted in several unauthorized collections, charge-offs, and late payments, all stemming from identity theft. I demand the immediate removal of all the aforementioned fraudulent accounts and all related collection activity from my credit report, in accordance with my rights under the FCRA and FDCPA. I have attached FTC Identity Theft Criminal Complaint # XXXX and # XXXX as official documentation from the U.S. Federal Trade Commission confirming that these accounts, collections, and chargeoffs are the result of identity theft and fraud.

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 2025-05-20 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:
This CFPB complaint is submitted pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that TransUnion, the credit reporting agency , block and remove all information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. I am filing this FTC Identity Theft Affidavit to report multiple fraudulent accounts that I do not recognize and that have negatively impacted my FICO credit report. The fraudulent accounts include : a credit card account at XXXX opened on XX/XX/XXXX ( account number XXXX * * * * * * * * * * ), a XXXX  credit card opened on XX/XX/XXXX ( account number XXXX * * * * * * ), an auto loan at XXXX opened on XX/XX/XXXX XXXX account number XXXX * * * * * * * * * ), and an auto loan at XXXX XXXX opened on XX/XX/XXXX XXXX account number XXXX * ). Additional fraudulent accounts include a credit card at XXXX opened on XX/XX/XXXX ( account number XXXX * * * * * * * * * * ), a XXXX XXXX  XXXX credit card opened on XX/XX/XXXX ( account number * * * ), another XXXX XXXX  XXXX credit card opened on XX/XX/XXXX ( account number ), and a XXXX  credit card opened on XX/XX/XXXX ( account number XXXX ). These accounts have resulted in several unauthorized collections, charge-offs, and late payments, all stemming from identity theft. I demand the immediate removal of all the aforementioned fraudulent accounts and all related collection activity from my credit report, in accordance with my rights under the FCRA and FDCPA. I have attached FTC Identity Theft Criminal Complaint # XXXX and # XXXX as official documentation from the U.S. Federal Trade Commission confirming that these accounts, collections, and chargeoffs are the result of identity theft and fraud.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: VA

Complaint narrative:
I would like to request the temporary removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
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 explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
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 2025-05-20 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: CA

Complaint narrative:
On MyEquifax account, my information has already previously been tied to another person with a similar name but different EVERYTHING ELSE ( birthdate, social security that I COULD SEE, addresses, and credit accounts ). This had been an issue around XX/XX/XXXX and it took 3 months to finally resolve and separate my account information from theirs. And, again, this has happened. I noticed around XX/XX/XXXX that my information was incorrect all over again with the same individual from XX/XX/XXXX. My address, credit accounts, birthdate, name, social security, all of this information was not mine and when I would dispute this information, EquiFax would claim that it DOES belong to me and that I have submitted incorrect information. I provided documentation of my Drivers License, my social security card, my paystubs to show my address and ssn in one place AND STILL the information on my account is not my own. I have called twice now with the first customer representative hanging up on me ( because the end-of-call survey came up and that only comes up at the end of the call ) after being the sole individual to say that he does see my account and how it is entangled with another persons account, but doesnt know how to go about separating them. The second time I called, I requested to be transferred to a higher authority as this representative was dismissing my concerns and stating that this account was my account despite me providing my own information and it not reflecting on my Equifax account. She did not transfer me, instead told me to submit another dispute which would take another 30 days to process and theres no guarantee of what the results would be ( insinuating that the information will still be attached to me ). I have submitted so many disputes that are now wiped from my account that cleared up all this confusion, I even received a recent dispute with NO dispute result file to download, just a status that says it has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I noticed fraudulent charge end of XXXX and notified citibank beginning of XXXX and am getting run around i did not authorize this charge or give my card or numbers out I have called citibank every month to try to resolve this with no avail

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 Balance : {$0.00} Account No XXXX XXXX XXXX XXXX Balance : {$470.00} Account No XXXX XXXX XXXX XXXX  Balance : {$4300.00} Account No XXXX XXXX XXXX XXXX Balance : {$400.00} Account No XXXX XXXX XXXX XXXX  Balance : {$3300.00} Account No XXXX XXXX XXXX Balance : {$0.00} Account No XXXX XXXX XXXX XXXX Balance : {$430.00} Account No XXXX XXXX XXXX XXXX Balance : {$0.00} Account No XXXX XXXX XXXX Balance : {$1000.00} Account No XXXX XXXX XXXX Balance : {$50.00} Account No XXXX XXXX XXXX XXXX XXXX : {$730.00} Account No XXXX XXXX XXXX Balance : {$0.00} Account No XXXX XXXX XXXX Balance : {$0.00} Account No XXXX Inquiries : XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX Date 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 2025-05-20 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: SC

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4

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