vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-07 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: CA

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

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

Items that need attention : XXXXXXXX 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 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 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

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 2025-04-07 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: MI

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: United PanAm Financial Corp.
State: FL

Complaint narrative:
I bought a used car from XXXX XXXX XXXX XXXX in XXXX XXXX, Florida and i got it finance through United Auto Credit. The motor on the vehicle have metal shavings and it does not work anymore. As well as the barring on the vehicle and the axels are no good.The dealer sold me this vehicle without letting me know the vehicle has all these issues. I called the finance company which is United Auto Credit to see what they can do all they told me is that they will call the dealer to see if they can come to an agreement. So I asked what if he does not agree she advised me I would be stuck with the loan and the issue of fixing the vehicle. I refuse to pay for a vehicle that does not work and I was never told it had a bad motor with metal shavings. Also the dealer got angry at me because I took it to XXXX to get a diagnostic done and XXXX told me that all they did was flush the motor so the vehicle could run good a couple of weeks. The XXXX  XXXX XXXX that they sold me does not run and they are charging me {$14000.00} to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: LOBEL FINANCIAL CORPORATION
State: OR

Complaint narrative:
Im submitting a new complaint regarding the auto loan I received through Lobel Financial in XX/XX/XXXX, involving XXXX XXXX XXXX in XXXX, OR. 

Previously, Lobel claimed that there was no issue because XXXX XXXX ( my mother ) signed the credit application and contract as a co-signer. However, I now have new evidence that was not available during the first complaint, which shows that XXXX was added after the fact, and not through a legitimate loan process. 

Specifically : I was the only one present and the only one who submitted documents when the loan was approved and the car was sold to me on XX/XX/XXXX. 
I have a text from Lobel Financial dated XX/XX/XXXX, confirming they were still trying to collect income documents from XXXX weeks after the sale. 
XXXX only signed paperwork under the belief that she was listed as a co-signer, not a co-buyerand she had not completed a proper credit application at the time the deal was funded. 
When I contacted Lobel in XX/XX/XXXX to ask for my documents and speak with a XXXX, I was denied access multiple times. I finally mentioned I had spoken to attorneys, and thats when they said they would only release documents to a lawyer. I have never told Lobel that I was officially represented by counsel. That statement in their response is inaccurate and misleading. 
I also mailed a certified letter to the registered agent of the dealership ( XXXX XXXX ), which was returned as undeliverable. 

This evidence shows that the dealership manipulated the loan paperwork to push funding through with an unqualified co-borrower, and Lobel ignored proper due diligence. The loan should not have been processed as-is, and this situation has caused me financial and legal stress for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$15000.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$820.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$120.00} XXXX  XXXX XXXX XXXX - XX/XX/XXXX - {$580.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$150.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$390.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX - XXXX XXXX XX/XX/XXXX - {$600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX - XXXX - XX/XX/XXXX - {$5900.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$6500.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$650.00} XXXX XXXX  - XXXX XXXX XX/XX/XXXX XXXX {$1500.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX - XXXX - XX/XX/XXXX - {$560.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$460.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$6500.00} XXXX - XXXX - XX/XX/XXXX - {$100.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$1000.00} INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2025-04-07 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:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: CA

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 2025-04-07 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: CA

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 non-monetary relief
Consumer complaint received 2025-04-07 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: NE

Complaint narrative:
I mailed two letters which I will provide copies and certified receipts for they still are reporting inaccurate and incomplete information. FCRA 607 : Requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information. 15 U.S.C 1681i at this point they aren't even investigating they are just saying it is verified how can they consider reporting to be complete when there is two months that say no data available that's is by definition incomplete reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-07 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: NC

Complaint narrative:
Issue : Incorrect information on credit report Account information is incorrect Consumer Complaint Narrative : I am filing this complaint to address Equifaxs failure to properly investigate and remove fraudulent student loan accounts from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

I submitted all required documentation, including FTC Identity Theft Affidavit # XXXX, and previously filed a CFPB complaint ( # XXXX ) on XX/XX/XXXX. Despite this, Equifax failed to process the dispute under FCRA 605B and has not provided the method of its investigation as required by FCRA 611 ( 15 U.S.C. 1681i ). 

Supervisors at Equifax informed me that my dispute was treated as a regular dispute due to the lack of page numbers on the affidavityet nowhere in the FCRA does it state that an affidavit must contain page numbers to be valid. Equifax is hiding behind policy rather than following the law. 

These accounts are the result of identity theft, as documented in my FTC Criminal Complaint, and include collections, late payments, and charge-offs that have seriously damaged my credit. 

I am demanding the immediate deletion of the following fraudulent accounts : Equifax XXXX XXXX XXXX Account # XXXX, opened XX/XX/XXXX Equifax XXXX XXXX XXXX Account # XXXX, opened XX/XX/XXXX Equifax XXXX XXXX XXXX Account XXXX XXXX, opened XX/XX/XXXX Equifax XXXX XXXX XXXX Account XXXX XXXX, opened XX/XX/XXXX Equifaxs actions are in violation of federal law, and I request the CFPB enforce compliance with the FCRA, including the required removal of fraudulent information within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
On or around XX/XX/XXXX, I noticed that my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was being inaccurately reported on my credit report. This account has never been late, and all payments have consistently been made on time. I made a formal payment on XX/XX/XXXX, and I have maintained a Current status with a {$0.00} past due amount. 
Despite this, the account is being reported with incorrect information, including : An inaccurate balance A payment history that falsely suggests delinquency Possibly incorrect remarks and payment status indicators This account should reflect as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 I previously contacted the creditor and made an agreement regarding the payment schedule, which has been fully honored. The incorrect reporting does not reflect the actual status of the account or my responsible payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: MO

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

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

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

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 2025-04-07 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:
I am currently in the process of closing on a home, and I discovered that Equifax has merged or misattributed my credit file with that of my identical twin brother. As a result, Equifax does not show any credit file for me at all, despite multiple lenders actively reporting accounts under my correct Social Security Number and name. 

This error is not occurring with XXXX or XXXX bureaus are reporting my correct credit history. I have confirmed with my lenders that they are reporting to Equifax, yet Equifax either has me confused with my twin or has failed to generate a separate file for me entirely. 

I have submitted documentation to Equifax including : My government-issued ID Social Security card Proof of address Copies of credit reports showing active tradelines A statement from my lender confirming reporting to Equifax Despite this, I have been unable to reach anyone who can assist me effectively. This error is jeopardizing my mortgage closing, which is scheduled within the next few days ( XX/XX/year> ). My lender requires an accurate credit report, and XXXX failure to recognize my identity is now threatening the entire home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: TX

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2025-04-07 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$190.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$420.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$290.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$750.00} XXXX XXXX XXXX********XXXX - XX/XX/XXXX - {$25.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$260.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$170.00} XXXX - XXXX - XX/XX/XXXX - {$320.00} INQUIRIES : XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX  XXXX  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 2025-04-07 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:
Ive carefully reviewed my credit report and noticed that this tradeline is not being reported with the maximum possible accuracy. This inaccuracy is not only misleading but also potentially damaging to my credit profile. Given that accurate reporting is required by law, it is clear this issue must be addressed 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