vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: DC

Complaint narrative:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isnt reported correctly. Heres whats wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I need these accounts removed. Please fix this error. As well as the following inquiries below. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Thanks, XXXX XXXX Items in Need of Deletion : Collections/ Charge offs XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$300.00} XXXX. Account name : XXXX XXXX Account opened : XX/XX/XXXX XXXX owed : {$300.00} XXXX. Account name : XXXX Account opened : XX/XX/XXXX Amount owed : {$1800.00} Inquiries Account name : XXXX XXXX Account Opened : XX/XX/XXXX Account name : XXXX XXXX Amount Opened : 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 explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ

Complaint narrative:
My payments have been misapplied multiple times during the one and a half years Ive had my loan. There are buy downs credits that are not explainable. The payments are not applied in a timely manner. They fluctuate and I get email saying my payment is late when Ive made the payment on time and the funds taken out of my account. This has been going on since day one of my loan. It has been a nightmare ever since the first payment due. I have called multiple times and it takes hours to get through to someone and no one can fix this problem. My statements dont make any sense. I get multiple statements during the month and this is just not acceptable. They can not figure out what is wrong. Im obviously not getting to the right people. I would appreciate any help you can give us. Thank you, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: VA

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 non-monetary relief
Consumer complaint received 2025-03-18 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: GA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: GA

Complaint narrative:
Dear Equifax, I am writing to formally dispute inaccurate late payment information that is currently being reported on my credit file. Specifically, I am disputing the following accounts : XXXX XXXX ( XXXX ) Late Payments : XXXX ( XXXX ) Should be updated to positive XXXX ( XXXX ) Should be updated to positive XXXX ( XXXX, XXXX, XXXX ) Should be updated to positive XXXX XXXXXXXX XXXX  ( XXXX ) Late XXXX ( XXXX ) Should be updated to positive XXXX ( XXXX, and XXXX ) Should be updated to positive These accounts have been reported with late payments that I believe to be inaccurate. Under 15 U.S.C. 1666n of the Fair Credit Billing Act, I am exercising my right to dispute this information and request that you promptly investigate these entries.

As per the law, I am requesting that you provide documentation substantiating the late payments reported on these accounts. If you are unable to provide proof of these late payments, I request that the information be removed from my credit report.

According to 15 U.S.C. 1666n, I am formally notifying you of the billing error and request that you investigate the matter and take the appropriate corrective action. Please inform me of the results of your investigation within 30 days, as required under the Fair Credit Reporting Act ( FCRA ).

For your reference, I have enclosed a copy of my credit report, highlighting the disputed items. Should you require further information, please feel free to contact me. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have submitted a report via email to address the incorrect information provided by the credit bureau. I am formally disputing an error on my credit card statement and have requested a thorough investigation. However, the company has failed to address the matter properly. I would appreciate your immediate attention to this issue. Additionally, please provide a confirmation receipt for my records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
On XXXX  I contacted Equifax to request the removal of outdated addresses from my credit report, as they are no longer valid. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to maintain accurate and up-to-date records. 

Equifax confirmed over the phone that my request would be processed, yet my credit report still reflects these outdated addresses. This failure to correct inaccurate personal information is a direct violation of the FCRA. 

I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter and require Equifax to immediately remove all outdated addresses from my credit report to ensure accuracy. Please take immediate action to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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:
For multiple times of saying this, Ive had my identity stolen and need your assistance to quickly eliminate these fraudulent entries. Please delete this particular item at your earliest convenience and make sure to update all other inaccurate information without delay.

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 2025-03-18 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-03-18 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: NJ

Complaint narrative:
I am submitting this report regarding the unauthorized and inaccurate reporting of accounts by XXXXXXXX XXXX Delaware and XXXXXXXX XXXX, both of which violate my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXXXXXXXXXX XXXX Delaware account was reported without my written consent, making it fall under the exclusion section of the FCRA. The FTC defines this as identity theft, which means this account should never have been reported in the first place and must be deleted immediately. Additionally, I never provided written authorization for this account to appear on my credit report, which violates 15 U.S.C. 1681b ( 2 ) Permissible Purpose. This is a clear violation of my rights, and under 15 U.S.C. 1681n, XXXX is liable for damages due to willful noncompliance with the law. The XXXX XXXX account is also being inaccurately reported. On XX/XX/year>, a XXXX representative assured me that once I paid the balance in full, the account would be removed from my consumer report. I fulfilled my end of the agreement, yet the account remains. This is deceptive and misleading, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing false or misleading information to credit bureaus. By failing to honor their own agreement, XXXX XXXX has engaged in unfair and deceptive practices that have harmed me financially. To make matters worse, Equifax continues to report these accounts, despite clear evidence of their inaccuracy. This failure to ensure the accuracy of my credit report violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy. Their reckless disregard for my rights has caused significant harm, including damage to my creditworthiness and financial opportunities. I am requesting the immediate and permanent removal of these accounts from my credit report and written confirmation that they have been deleted. I also urge the CFPB to take enforcement action against Equifax for their clear violations of the FCRA. Consumers should not have to fight so hard to have inaccurate and unauthorized accounts removed from their reports. This situation has caused me unnecessary stress, and I expect swift corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: HI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items 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 2025-03-18 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: NV

Complaint narrative:
A derogatory entry has been inaccurately reported on my credit report. I do not recognize this entry as valid or legally owed. After discovering this error, I disputed it directly with the credit bureaus through their formal dispute process. However, the investigation concluded that the entry was " verified '' without providing me with sufficient documentation or evidence to confirm its accuracy. This has harmed my credit score and limited my ability to secure fair financial opportunities. I am seeking a full review of this entry and proof of its validity under federal consumer protection laws.

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 2025-03-18 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: NV

Complaint narrative:
A derogatory entry has been inaccurately reported on my credit report. I do not recognize this entry as valid or legally owed. After discovering this error, I disputed it directly with the credit bureaus through their formal dispute process. However, the investigation concluded that the entry was " verified '' without providing me with sufficient documentation or evidence to confirm its accuracy. This has harmed my credit score and limited my ability to secure fair financial opportunities. I am seeking a full review of this entry and proof of its validity under federal consumer protection laws.

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 2025-03-18 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: SC

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 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 2025-03-18 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: SC

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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