vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-18 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the XXXX  data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
I received an XXXX  alert on XX/XX/year> that a credit inquiry was performed. The information about the inquiry is provided below. 

Name : Nordstrom / TD Bank USA. 
Phone : XXXX Business Type : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : CO Zip : XXXX I called Nordstrom/ TD Bank USA . They confirmed that someone had used my name and SSN to submit an application request to them. I believe it was for a loan or a credit card. But they did not provide more information beyond that although I requested it. This is a fraud as I did not submit this application to Nordstrom / TD Bank USA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
The following information is being displayed inaccurately on my credit report and is only just being updated due to a breach of information FERPA ; It is also is direct violation of FCRA Regulations : DEPT OF EDXX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} DEPT OF EDXX/XX/XXXXXX/XX/XXXXAccount Number : XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX Balance : {$2300.00} DEPT OF EDXX/XX/XXXX Account Number XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} DEPT OF EDXX/XX/XXXX Account NumbeXX/XX/XXXX XX/XX/XXXXDate Opened : XX/XX/XXXX Balance : {$2300.00}

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 explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
The following information is being displayed inaccurately on my credit report and is only just being updated due to a breach of information FERPA ; It is also is direct violation of FCRA Regulations : DEPT OF EDXX/XX/XXXXAccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00} DEPT OF EDXX/XX/XXXXXX/XX/XXXXAccount Number : XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX Balance : {$2300.00} DEPT OF EDXX/XX/XXXX Account Number XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} DEPT OF EDXX/XX/XXXX Account NumbeXX/XX/XXXX XX/XX/XXXXDate Opened : XX/XX/XXXX Balance : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
My identity has been stolen, and I am seeking your help AGAIN to swiftly remove these fraudulent items. I kindly request that you delete this specific item as soon as possible and ensure that all other incorrect details are promptly updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against SPRING OAKS CAPITAL LLC regarding an account I have with them XXXX * * * *. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : SPRINGOAKCAP ( Original Creditor : XXXX XXXX XXXX  ) XXXX * * * * Balance : {$780.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with SPRING OAKS CAPITAL LLC but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax will not allow me to access my information. I need to reset my password. I have tried doing this repeatedly in multiple browsers. Each time I am given a code to enter to reset the password. I do it and then I get a message back from Equifax telling me there is a temporary error and to try again later. 

I have tried calling Equifax. The rep sends me the email below telling me this issue is fixed. I tell her it is not fixed while still on the line with her and she tells me it will be referred to the tech team to fix. I ask for a ticket number. she says there is none. I ask will there be a follow up? She says no. Its fixed. try again in an hour or XXXX. Here I am trying again a couple of days later and nothing. I had to wait XXXX minutes to reach her for assistance and their rep lied to me and did nothing to fix this issue. This is a repeated issue with Equifax that many many other people have had over the years and you can find it by a simple internet search. 



-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Important Information Regarding Your myEquifax Account To : XXXX XXXX Dear XXXX XXXX, We have completed the review of your online account at www.myequifax.com and we are pleased to advise you that the login issue you experienced has been resolved. 

Please log in using the password associated with your myEquifax online account. If you do not remember your password, please select the " Need Help Signing In '' link under the password field. This will allow you to do an account recovery and update your password if needed. If you experience any issues, please feel free to contact our consumer care department at XXXX between XXXX XXXX am, 7 days per week. 

We sincerely apologize for any inconvenience this issue may have caused. 

Thank you for contacting Equifax, XXXX Equifax Consumer Care Team

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: AL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-18 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: PA

Complaint narrative:
There are XXXX XXXX XXXX XXXX reporting on my credit file when there should only be XXXX because i only have XXXX credit card with XXXX XXXX  XXXX. XXXX reported XX/XX/year> with a high balance {$1400.00} and XXXX reported on XX/XX/year> with a {$0.00} balance which in fact correct. The report from XX/XX/year> should not be reflecting on my credit report. Its basically saying I'm carrying a balance when i am not.

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 2025-04-18 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:
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 2025-04-18 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: Source Receivables Management LLC
State: GA

Complaint narrative:
I am writing you because my social security number was used fraudulently to open an account. I believe I am a victim of identity theft due to the Equifax Data breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. 
XXXX. 
SOURCE RECIEVABLES MANAGEM Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 

I have no knowledge of this account nor have I ever authorized anyone to open an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and inconsistent credit reporting by XXXX XXXX XXXX on my credit report. According to the credit data : XXXX  reports the account as Pays as agreed and last updated in XX/XX/XXXX. 
TransUnion and Experian report the account as 30 days past due and Account 30 days past due date, respectively, both updated in XX/XX/XXXX. 
Additionally, Experian lists a 30 days delinquent status under Worst Delinquency, while the others do not report any delinquency. 
The balance amounts also differ slightly across the three bureaus. 

This inconsistency violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), which requires furnishers to report accurate and complete information. I have not received documentation from XXXX XXXX or the bureaus substantiating these late payments. 

I am requesting that the CFPB investigate this matter and require XXXX XXXX XXXX to either verify the accuracy with proper documentation or correct/remove the inaccurate information across all bureaus.

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 2025-04-18 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: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit file concerning a closed mortgage account with XXXX XXXX  XXXX This account is currently reporting conflicting and inaccurate data across the XXXX major credit bureaus. 
Equifax reports the account as Not more than XXXX payments past due with a last update of XX/XX/XXXX and a worst delinquency of XXXX days past due. 
TransUnion lists it as 90 days past due with a last update of XX/XX/XXXX and the same level of delinquency. 
Experian shows the account was Transferred to another office and reports a 180 days delinquent status.

The payment history also shows NR ( Not Reported ) across all months, yet delinquency status is being applied without any substantiating data. I have previously disputed this account, but it remains unresolved and unverified in accordance with the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S. Code 1681i, if the information can not be verified, it must be deleted. Further, 15 U.S. Code 1681s-2 ( b ) requires furnishers to conduct a reasonable investigation upon notification of a dispute. This has not been done.

I respectfully request that the CFPB investigate this matter. If XXXX and the credit bureaus can not provide proper documentation verifying the delinquency, I request that the negative reporting be removed entirely from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-18 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: IN

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: MO

Complaint narrative:
I am filing a complaint regarding inaccurate reporting on a personal installment loan issued by XXXX XXXX , opened on XX/XX/scrub> 2024. 

The account shows that I made 0 % of payments on time, which is factually incorrect. The payment history clearly reflects that I made on-time payments from XXXX through XX/XX/year>2024 ( 5 months ), yet the system labels it as 0 % on-time. This is a serious reporting error. 

Additionally, the monthly payment amount is not reported, despite it being a 6-month term loan, and three late payments are reported in XXXX, XXXX, and XXXX 2024. However, the account is listed as paid in full and closed on XX/XX/scrub>XXXX XXXX 2024, with a {$0.00} balance. This raises questions about whether the reported late payments are legitimate or should be considered disputed. 

Under the Fair Credit Reporting Act, I am requesting a full investigation and correction of this inaccurate and misleading reporting. This negative tradeline is impacting my credit profile unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am filing a complaint regarding inaccurate reporting on a personal installment loan issued by XXXX XXXX  XXXX opened on XX/XX/year>. 

The account shows that I made 0 % of payments on time, which is factually incorrect. The payment history clearly reflects that I made on-time payments from XXXX through XX/XX/year> ( 5 months ), yet the system labels it as 0 % on-time. This is a serious reporting error. 

Additionally, the monthly payment amount is not reported, despite it being a XXXX term loan, and XXXX late payments are reported in XXXX, XXXX, and XX/XX/year>. However, the account is listed as paid in full and closed on XX/XX/year>, with a {$0.00} balance. This raises questions about whether the reported late payments are legitimate or should be considered disputed. 

Under the Fair Credit Reporting Act, I am requesting a full investigation and correction of this inaccurate and misleading reporting. This negative tradeline is impacting my credit profile unfairly.

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 2025-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-18 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:
Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open accounts at XXXX XXXX XXXXXXXX, Please take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
Sincerely, 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