vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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:
XX/XX/XXXX NONE OF THESE ADDRESSES IS TIED TO ANY OF MY PROFILES. THESE ARE NOT MY ACCOUNTS AND I DEMAND THESE XXXX CREDIT BUREAUS REMOVE THE FOLLOWING ILLEGAL INFORMATION ON MY REPORT. IF NOT REMOVED FURTHER ACTION WILL BE TAKEN AGAINST THE CREDIT BUREAUS FOR REPORTING SUCH INFORMATION/ Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC XXXX Part XXXX, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, XXXX, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), XXXX, XXXX, XXXX, you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through Transunion, XXXX, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out XXXX  now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Balance {$3400.00} Date Opened XX/XX/XXXX Capital XXXX Balance {$990.00} Date Opened XX/XX/XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX XXXX ( Home shopping ) XX/XX/XXXX XXXX FCU ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX GOLD STAR FI ( Finance ) XX/XX/XXXX GOLD STAR FI ( Finance ) XX/XX/XXXX 2023

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 2025-04-10 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: NC

Complaint narrative:
I am formally submitting this complaint regarding the inaccurate reporting of multiple late payments by Equifax. The records currently reflect several late payments that are factually incorrect, as these payments were made on time. Despite this, the erroneous information continues to appear on my credit report, negatively impacting my credit score and financial reputation. This matter requires immediate correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: MO

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-11 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: MI

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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 submitting an FTC report for 3 accounts which were removed prior from my consumer report under FCRA 605B! They have reappeared onto my consumer report without any kind of written notification! I have refiled these accounts through the FTC to once again to be addressed under FCRA 605b! | have sighted FCRA consumer law as well so that these accounts are removed again! I am prepared to file a lawsuit next step as I demand these accounts are immediately blocked removed and will not show back up on my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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 submitting an FTC report for 3 accounts which were removed prior from my consumer report under FCRA 605B! They have reappeared onto my consumer report without any kind of written notification! I have refiled these accounts through the FTC to once again to be addressed under FCRA 605b! | have sighted FCRA consumer law as well so that these accounts are removed again! I am prepared to file a lawsuit next step as I demand these accounts are immediately blocked removed and will not show back up on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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:
Subject : Dispute of Inaccurate Repossession Reporting on Credit Reports To Whom It May Concern, I am writing to formally dispute the accuracy of a repossession entry reported by XXXX XXXX XXXX on my credit reports with Experian, Equifax, and TransUnion. This entry pertains to an auto loan for a XXXX XXXX XXXX, which was opened on XX/XX/XXXX, and is currently listed as Paid and Closed as of XX/XX/XXXX. 

Background : In XX/XX/XXXX, my vehicle was repossessed due to missed payments. However, I paid the full remaining balance within 30 days of the repossession, and the vehicle was returned to me. Subsequently, I received the title from the bank, indicating that I am the sole owner with no lienholder. 

Dispute Details : Despite the prompt resolution and full payment, the repossession is still reflected on my credit reports. I believe this is inaccurate and misleading for the following reasons : 1. Timely Resolution : The debt was paid in full within 30 days of the repossession, and the vehicle was returned to me.

2. Ownership Confirmation : I possess the title to the vehicle, confirming that there is no outstanding lien.

3. Account Status : The account is marked as Paid and Closed on my credit reports, yet the repossession entry remains.

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to credit reporting agencies are required to provide accurate information. Reporting a repossession without acknowledging the prompt full payment and return of the vehicle does not present a complete and accurate picture of the accounts history. 

Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates that credit reporting agencies must conduct a reasonable reinvestigation if a consumer disputes the accuracy of information. Given the circumstances, the continued reporting of the repossession without context is misleading and potentially damaging to my creditworthiness.

I have attached the following documents to support my dispute : A copy of the vehicle title, indicating my sole ownership.

Screenshots from my credit reports showing the account as Paid and Closed. 
Payment confirmation receipts detailing the full payment made within 30 days of the repossession. 

I appreciate your prompt attention to this matter and look forward to a resolution that accurately reflects my credit history.

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 2025-04-10 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:
Subject : Dispute of Inaccurate Repossession Reporting on Credit Reports To Whom It May Concern, I am writing to formally dispute the accuracy of a repossession entry reported by XXXX XXXX XXXX on my credit reports with Experian, Equifax, and TransUnion. This entry pertains to an auto loan for a XXXX XXXX XXXX, which was opened on XX/XX/XXXX, and is currently listed as Paid and Closed as of XX/XX/XXXX. 

Background : In XX/XX/XXXX, my vehicle was repossessed due to missed payments. However, I paid the full remaining balance within 30 days of the repossession, and the vehicle was returned to me. Subsequently, I received the title from the bank, indicating that I am the sole owner with no lienholder. 

Dispute Details : Despite the prompt resolution and full payment, the repossession is still reflected on my credit reports. I believe this is inaccurate and misleading for the following reasons : 1. Timely Resolution : The debt was paid in full within 30 days of the repossession, and the vehicle was returned to me.

2. Ownership Confirmation : I possess the title to the vehicle, confirming that there is no outstanding lien.

3. Account Status : The account is marked as Paid and Closed on my credit reports, yet the repossession entry remains.

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to credit reporting agencies are required to provide accurate information. Reporting a repossession without acknowledging the prompt full payment and return of the vehicle does not present a complete and accurate picture of the accounts history. 

Additionally, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates that credit reporting agencies must conduct a reasonable reinvestigation if a consumer disputes the accuracy of information. Given the circumstances, the continued reporting of the repossession without context is misleading and potentially damaging to my creditworthiness.

I have attached the following documents to support my dispute : A copy of the vehicle title, indicating my sole ownership.

Screenshots from my credit reports showing the account as Paid and Closed. 
Payment confirmation receipts detailing the full payment made within 30 days of the repossession. 

I appreciate your prompt attention to this matter and look forward to a resolution that accurately reflects my credit history.

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 2025-04-11 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : DPT ED/AIDV XXXX {$1900.00} DPT ED/XXXX  XXXX {$1000.00} DPT ED/XXXX  XXXX {$1800.00} DPT ED/XXXX  XXXX {$1700.00} DPT ED/XXXX  XXXX {$1900.00} DPT ED/XXXX  XXXX {$1100.00} DPT ED/XXXX  XXXX {$660.00} XXXX XXXX XXXX {$10000.00} DPT ED/XXXX  XXXX {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : DPT ED/AIDV XXXX {$1900.00} DPT ED/XXXX  XXXX {$1000.00} DPT ED/XXXX  XXXX {$1800.00} DPT ED/XXXX  XXXX {$1700.00} DPT ED/XXXX  XXXX {$1900.00} DPT ED/XXXX  XXXX {$1100.00} DPT ED/XXXX  XXXX {$660.00} XXXX XXXX XXXX {$10000.00} DPT ED/XXXX  XXXX {$1800.00}

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 2025-04-10 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 A FRAUDULENT ITEM BEING REPORTED TO MY CREDIT REPORT. I DID NOT AUTHORIZE THIS ACCOUNT AND IT SHOULD BE BLOCKED IMMEDIATELY.

*FOR THIS TO BE A XXXX XXXX ACCOUNT, I DON'T EVEN HAVE KIDS. WRONG PERSON!!! NOT ME.

I CAN GUARANTEE THIS CREDITOR OR AGENCY, THEY PORTRAY THEMSELVES AS CANT SHOW YOU A PICTURE OF MY I.D NOR A PICTURE OF MY SOCIAL CARD. NOR WILL THEY HAVE A CONTRACT SIGNED BY ME STATING ANY DEBT ACKNOWLEDGEMENT OF SUCH NATURE. THIS ITEM NEEDS TO BE BLOCKED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am filing this complaint against Equifax for their failure to respond to my dispute letter and conduct an investigation into inaccurate information on my credit report, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, I mailed a dispute letter to Equifax regarding an account listed as " XXXX XXXX - XXXX. '' I requested details on how they conducted their investigation of this disputed item and challenged the accuracy of its reporting. I included all required documentation per FCRA guidelines, such as proof of identity and address, to ensure my dispute was properly processed. However, Equifax has not responded to my request. 
To address this ongoing issue, I mailed a second dispute letter on XX/XX/XXXX, reiterating my concerns about the same account and again providing the necessary documentation. Despite my efforts, Equifax has failed to respond or investigate. The account in question shows a payment history of on-time payments from XX/XX/XXXX to XX/XX/XXXX, with no late payments in this XXXX-year period. Yet, Equifax continues to report this account as derogatory, which is inaccurate and unjustified. This misreporting is severely damaging my creditworthiness and causing me significant XXXX. 
XXXX failure to respond to my dispute letters within the timeframe required by the FCRA ( XXXX  days, per 15 U.S.C. 1681i ) and their continued reporting of inaccurate information violate my consumer rights. I am deeply concerned about the impact this has on my financial standing and well-being. 
Equifax violated the FCRA by : Failing to respond to my dispute letters dated XX/XX/XXXX, and XX/XX/XXXX, within the legally mandated timeframe. 
Neglecting to conduct a reasonable investigation into the disputed " XXXX XXXX - XXXX '' account, as required under 15 U.S.C. 1681i. 
Continuing to report inaccurate derogatory information despite evidence of consistent on-time payments, in violation of FCRA accuracy standards ( 15 U.S.C. 1681e ( b ) ). 
This resolution is essential to uphold my consumer rights, restore my creditworthiness, and alleviate the severe stress caused by XXXX inaction. 
Attachments : Copy of my dispute letter to Equifax dated XX/XX/XXXX Copy of my dispute letter to Equifax dated XX/XX/XXXX Copies of identity verification documents submitted with both dispute letters ( e.g., government ID, proof of address )

Company response to consumer: Closed with explanation