vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Tried to dispute online with transunion and XXXX because XXXX  is not reporting the account and by law all three agencies should report the same information or it has to be deleted.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Tried to dispute online with XXXX and equifax because XXXX  is not reporting the account and by law all three agencies should report the same information or it has to be deleted.

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: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im writing to address a serious issue with my credit report. It appears that an account has been mistakenly mixed with my information and belongs to someone else entirely. This is causing significant confusion, and I need this corrected 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 2025-04-01 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: VA

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance {$0.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX 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 explanation
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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance {$0.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: SC

Complaint narrative:
XXXX XXXX Citi Financial in XXXX XXXX use my name on a loan that I never took out My name is XXXX XXXX XXXX My XXXX name is XXXX XXXX XXXX XXXX. They use my name and used my XXXX  social security number and printed a name on a mortgage paperwork that was did by CitiFinancial. I had XXXX XXXX look into it as well as y'all looking to it and they trying to deny try to say that me and my XXXX  came down there and took a loan out but I can sign my own name I don't print my name on paperwork like that. I have all the proof I have my XXXX  ID All I need is someone to look up his credit history on the social security number and it will prove everything need to be told it's on the documents I sent you his XXXX  XXXX  in that case is closed I need a lawyer to go to court with them. When XXXX XXXX  did they investigation. And they went in front of the XXXX XXXX XXXX the lady from the XXXX XXXX XXXX told me it's a criminal matter and I can get in contact with any XXXX of them. If I had a house that was paid for on my credit history I should have at least a XXXX to a XXXX XXXX credit score. Why is my credit score is a XXXX but my name is on the house The taxes come in the house with my name on it XXXX is helping me since a tree fell on my house if my name wasn't on the house how is XXXX helping me? Great questions that need to be asked by all three finance companies and oh yeah since XXXX XXXX  XXXX  act like they ain't got nothing to do with it why you don't ask him about that loan that was dead on the property without my consent and XXXX XXXX XXXX name. Tell them to remember he wasn't even on the deed. I can prove all my information to be very liable and honest All I need y'all to do look up my XXXX  credit history then every tell everything need to be told. Since I was dead mortgage fraud identity theft forgery defraud and predator linden I need to be compensated for all those things I lost the house was given to me by my XXXX  for me and my XXXX  sentimental value and I need purity damages as well as physical damage cuz I had XXXX  XXXX XXXX due to this and I need to be compensated for everything they put me through XXXX  XXXX  that you use my name on loans that I never took out I lost my house due to this lie and we surpass XXXX XXXX XXXX of XXXX  we in a XXXX mark now either pay up or we'll make this newsworthy of fraud and I will leak out all the information to the news channels and all on the internet I need my money and I ain't talking about no {$500000.00} I need the max isn't it true that if someone used your name and did mortgage fraud isn't that consists of a XXXX XXXX  or more on fines? You got citi financial, XXXX XXXX  XXXX  and XXXX XXXX  to get all the money from thank you.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit report shows late payments that arent accurate. A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required XXXX notice before the payment was due, making the late mark invalid. Ive asked the credit bureaus to provide proof of these late payments, but they havent given me any real documentation to back up the claim. Because of this, the incorrect information is still on my report, which is hurting my 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: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: General Motors Financial Company, Inc.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX disputes XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX to Address Identity Theft and Correct Credit Report Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX am writing to inform you that I have been a victim of identity theft and to request your assistance in addressing this matter. I recently discovered unauthorized accounts and inquiries on my credit report, which I did not initiate or authorize. 

Details of the fraudulent activity are as follows : - XXXX Account Number XX/XX/XXXX Account Opened XXXX Vehicle ID Number XXXX months Term {$1200.00} Interest Paid Last Year {$10000.00} Amount Financed 15.00 % XXXX. 

In light of this situation, I kindly request the following actions : XXXX. Please place a fraud alert on my credit file to prevent further unauthorized activity. 
XXXX. Investigate and remove any fraudulent accounts and inquiries from my credit report. 
XXXX. Provide me with a copy of my updated credit report once the necessary corrections have been made. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution. 

Sincerely, XXXX XXXX

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im writing to formally dispute the inaccurate information currently listed on my credit report. Upon reviewing my report, Ive found discrepancies that I believe are incorrect, and I am requesting immediate attention to resolve these issues.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Good day! I'd like to let you know that the transactions on this account and its respective charges are all fraudulent to which I never benefited from. Please prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report. It would be a big help to lessen the stress it's causing me. Thank 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 non-monetary relief
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am sending this complaint to address discrepancies on my credit report and to request a fair resolution. I kindly ask that the credit bureaus verify and ensure the accuracy of my personal identifying information, including my full legal name, current address, date of birth, and the last XXXX digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX  XXXX XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5700.00} XXXX XXXX  XXXX XXXX Owed : {$4800.00} XXXX XXXX XXXX Balance XXXX : {$930.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XX/XX/2024 In accordance with the Fair Credit Reporting Act ( FCRA ), I request a thorough review and reinvestigation of any disputed items. If any item can not be verified with supporting evidence, I ask for its immediate removal to prevent inaccurate information from negatively impacting my credit standing.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report. Please. Thank you.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

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 2025-04-01 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: GA

Complaint narrative:
I am sending this complaint to address discrepancies on my credit report and to request a fair resolution. I kindly ask that the credit bureaus verify and ensure the accuracy of my personal identifying information, including my full legal name, current address, date of birth, and the last XXXX digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX  XXXX XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5700.00} XXXX XXXX  XXXX XXXX Owed : {$4800.00} XXXX XXXX XXXX Balance XXXX : {$930.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XX/XX/2024 In accordance with the Fair Credit Reporting Act ( FCRA ), I request a thorough review and reinvestigation of any disputed items. If any item can not be verified with supporting evidence, I ask for its immediate removal to prevent inaccurate information from negatively impacting my credit standing.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am sending this complaint to address discrepancies on my credit report and to request a fair resolution. I kindly ask that the credit bureaus verify and ensure the accuracy of my personal identifying information, including my full legal name, current address, date of birth, and the last XXXX digits of my Social Security number. Any incorrect, outdated, or unverified information should be promptly corrected or removed to reflect the truth. 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX  XXXX XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$5700.00} XXXX XXXX  XXXX XXXX Owed : {$4800.00} XXXX XXXX XXXX Balance XXXX : {$930.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XX/XX/2024 In accordance with the Fair Credit Reporting Act ( FCRA ), I request a thorough review and reinvestigation of any disputed items. If any item can not be verified with supporting evidence, I ask for its immediate removal to prevent inaccurate information from negatively impacting my credit standing.

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 2025-04-01 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: Kriya Capital, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX ( XXXX ) XXXX XX/XX/year> Notice of Civil Liability for Negligent Noncompliance Under 15 U.S.C. 1681o I am writing to formally dispute due to inaccurate information reported, failure to investigate a dispute, or unauthorized use of personal data by your company. Under 15 U.S.C. 1681o, your company is subject to civil liability for failing to comply with the Fair Credit Reporting Act ( FCRA ) due to negligence. Upon reviewing my records, I have identified the following violations : Your company failed to properly investigate a dispute regarding incorrect information on my credit report. 
Provide any supporting details or documentation that prove the negligence. Despite my written request on you failed to correct the inaccurate information within the legally mandated timeframe As a result of this error, I have suffered financial damages, including denied credit and higher interest rates. 
Pursuant to 15 U.S.C. 1681o, I demand the following corrective actions : A full investigation into the matter Immediate correction and/or deletion of any inaccurate information A written response detailing the actions taken to rectify this issue If this matter is not resolved within XXXX-XXXX  days, I will consider legal action to seek damages for your company 's noncompliance. Please treat this letter as formal notice of your potential civil liability under 15 U.S.C. 1681o.

You may contact me at the above-listed address or phone number if you require further information. 

Sincerely, 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to inform the Consumer Financial Protection Bureau ( CFPB ) that I was affected by the XXXX  Equifax data breach, which compromised sensitive personal information, including my Social Security number, address, and other identifying details. 

As a result of this breach, I have experienced negative and/or incorrect items appearing on my credit report. These discrepancies may be related to identity theft or the exposure of my personal information during the breach. I am requesting your assistance in ensuring that any such negative or incorrect items that appear on my credit profile due to this incident are thoroughly investigated and, if appropriate, removed. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that these items be reviewed and removed from my credit file. I believe these negative marks are a direct result of the data breach and not a reflection of my actual creditworthiness. 

Please provide confirmation that my request is being processed, and let me know what additional steps or documentation might be needed to resolve this issue. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in ensuring my credit file accurately reflects my true financial history.

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: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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