vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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 is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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/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 2025-03-14 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: DC

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 explanation
Consumer complaint received 2025-03-14 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: NJ

Complaint narrative:
I am submitting a formal dispute against XXXX XXXX regarding multiple inaccurate late payment entries on my credit report across Experian, Equifax, and TransUnion for my XXXX XXXX account ending in # XXXX. These erroneous reports have negatively impacted my credit score and financial standing.

Upon reviewing my credit report, I discovered the following discrepancies : 6 incorrect late payments on TransUnion 4 incorrect late payments on Equifax Multiple late payments on Experian ( with supporting evidence attached ) These reports are inaccurate, unverifiable, and must be immediately corrected in compliance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2, which requires all furnished credit information to be complete, accurate, and up-to-date. 

Why this dispute is valid : 1. Failure to Provide Proper Notice XXXX XXXX failed to notify me of these alleged delinquencies, which is a violation of consumer rights.

2. Failure to Validate Reporting Amex has not provided any valid proof or billing breakdown confirming that these late payments were legitimate.

3. Processing & Internal Errors My account is now in good standing, meaning these late payments should not exist.

4. Impact on My Financial Standing Due to these false late payments, I have been denied access to credit and unfairly penalized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: MS

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX {$57000.00XXXX XXXX XXXXXXXX Balance {$960.00} XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Agents claimed that the only investigation is done by the original credit reporting agency? XXXX XXXX XXXX XXXX XXXX  XXXX Not by Experian nor Transunion? Although FCRA says both are responsible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: AZ

Complaint narrative:
Please check the information concerning the equifax data breach below in the attachment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My son and I had a joint account and he was in a gaming tournament and received a check for his winnings. The check was never cashed and the account was closed and they placed a fraud remark under my social security number and my son as well. He was XXXX and didn't know the check was bad. He never had any issue with the account he had for XXXX years. We tried to dispute with no success. We want to be able to open accounts with other banks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: MO

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. They have yet to provide any evidence of a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
XX/XX/year> I went to Title Max in XXXX XXXX to get a title loan for {$500.00}. For XXXX  months. I sent my payment in every month as scheduled. Which I have receipts for. The total I paid from XX/XX/year> till XX/XX/year> is {$1700.00}. I called them to see when I can come get my Title. The employee I think XXXX said you still owe {$1700.00}. I said for a {$500.00}. Dollar loan. That's {$2500.00}. I went to the office to see why I owed more than what my contract said. He said on XX/XX/year> I got a loan for {$250.00}. I said no I did not. He said yes and you also got a loan on XX/XX/year> for {$200.00} and XXXX on XX/XX/year> for {$100.00}. I said what you mean the only loan that I got was {$500.00}. I told him I want proof of who authorized it and who got the money. He said he couldn't provide that information that they don't keep it from that far. I said wait you are telling me you don't have any proof of who authorized these loans. He said no. Then he said he would send email to find our. Then they repossessed my vehicle for non payment. Which I didn't owe. They said I had to pay then {$870.00} to get my vehicle back. I didn't know what to do but I had to have it so I pd it and got my truck back. Then they said I owe them another {$1700.00} and now they are saying my payment is past due and they are going to take my vehicle again. I have all my receipts and proof of everything I paid. Please help resolve this. Or do I need a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: AL

Complaint narrative:
I have identified certain transactions on my consumer report to be a result of XXXX XXXX I confirm that I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Therefore, I am requesting that the reporting of this information be removed, blocked, and deleted with in 4 business days from the receipt of this letter. The effective dates of my request to block and delete shall begin from the date of this letter XX/XX/year> and extend for a period of XXXX  years without exception. Please note that my request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction conducted by me as the consumer, nor can any information contained on my existing consumer report be used to determine if I have received possession of goods, services, or money. Please send me a statement signed under the penalty of perjury with evidence of this counterclaim if you know otherwise. 

Please see identified transactions below : CONSUMER ACCOUNTS : Account : XXXX  Account Number : XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account : XXXX XXXX XXXX Account number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have identified certain transactions on my consumer report to be a result of XXXX XXXX I confirm that I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Therefore, I am requesting that the reporting of this information be removed, blocked, and deleted with in 4 business days from the receipt of this letter. The effective dates of my request to block and delete shall begin from the date of this letter XX/XX/year> and extend for a period of XXXX  years without exception. Please note that my request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction conducted by me as the consumer, nor can any information contained on my existing consumer report be used to determine if I have received possession of goods, services, or money. Please send me a statement signed under the penalty of perjury with evidence of this counterclaim if you know otherwise. 

Please see identified transactions below : CONSUMER ACCOUNTS : Account : XXXX  Account Number : XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account : XXXX XXXX XXXX Account number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: NY

Complaint narrative:
Remove breach accounts from file. I am trying to buy a new house...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: OK

Complaint narrative:
Please take immediate action to block and delete the unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I do not recognize them. In line with USC 1681g, I formally request their removal within 15 days. Enclosed are supporting documents for review. Additionally, each bureau is reporting different account information, leading to discrepancies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: OR

Complaint narrative:
Recently, while starting the process of buying a new home due to a job change, I reviewed my consumer credit reports and noticed some inaccurate late payment information. I found that my credit score dropped almost XXXX XXXX points and also mixed information depending on the credit reporting agency. Specifically, my XXXX, XXXX student loans were reporting late. I contacted XXXX and was told they do not remove information from credit reporting, whether accurate or inaccurate, and they could not help me. Due to this devastating adjustment, I can not purchase a home for myself and my family. I have timely payments on my mortgage, auto loans, and all other installment loans, which can be seen on my consumer-driven credit reports. 

I would like an investigation into these discrepancies, and if accurate, consistent evidence is not found to match across all three major credit bureaus, I demand these late payments be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
i took out a loan witth a company called Lendumo and I have paid them back over {$3800.00} in payments om s {$1400.00} loan? They are now telling me thatt Iowe {$4500.00} remaining to pay the loan off. That is rightt at XXXX % intrest! I feel like i have paid these guys enough on my loan! What can i do?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting a formal dispute against XXXX XXXX regarding multiple inaccurate late payment entries on my credit report across Experian, Equifax, and TransUnion for my XXXX XXXX account ending in # XXXX. These erroneous reports have negatively impacted my credit score and financial standing.

Upon reviewing my credit report, I discovered the following discrepancies : 6 incorrect late payments on TransUnion 4 incorrect late payments on Equifax Multiple late payments on Experian ( with supporting evidence attached ) These reports are inaccurate, unverifiable, and must be immediately corrected in compliance with the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2, which requires all furnished credit information to be complete, accurate, and up-to-date. 

Why this dispute is valid : 1. Failure to Provide Proper Notice XXXX XXXX failed to notify me of these alleged delinquencies, which is a violation of consumer rights.

2. Failure to Validate Reporting Amex has not provided any valid proof or billing breakdown confirming that these late payments were legitimate.

3. Processing & Internal Errors My account is now in good standing, meaning these late payments should not exist.

4. Impact on My Financial Standing Due to these false late payments, I have been denied access to credit and unfairly penalized.

Company response to consumer: Closed with explanation