vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 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: CA

Complaint narrative:
I am formally requesting the immediate removal of the XXXX XXXX XXXX XXXX XXXX ( ending in XXXX ) and XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX in XXXX ) from my Equifax credit report due to the Equifax data breach and its direct impact on my financial records. My personal information was compromised due to Equifaxs failure to properly safeguard consumer data, which violates multiple federal laws and raises significant concerns about the accuracy and security of any financial accounts linked to my identity.

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, Equifax is required to maintain maximum possible accuracy in consumer reports ( 1681e ( b ) ), yet the breach has compromised the integrity of my credit data. Additionally, under 1681c-2, I have the right to request the blocking or removal of inaccurate, fraudulent, or unverifiable information resulting from identity theft or data exposure. Given the nature of the Equifax breach, these accounts can not be fully verified as legitimate
and should not remain on my report.

Furthermore, the Federal Trade Commission Act ( FTCA ) 15 U.S.C. 45 prohibits unfair and deceptive business practices, and Equifaxs failure to secure my personal and financial information has subjected me to unwarranted financial risks and undue burden. The Gramm-Leach-Bliley Act ( GLBA ) 15 U.S.C. 6801-6809 also mandates that financial institutions protect consumer data. Equifaxs breach violated these protections, and as a result, any accounts reported in my name must be considered compromised and removed immediately. 

Because of these violations, I am demanding that Equifax : Immediately remove the XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX accounts from my credit report. Provide written confirmation of the deletions within 30 days in compliance with
the FCRA.

Ensure that any future fraudulent or compromised accounts resulting from the data breach are automatically removed without requiring repeated disputes. 
If Equifax fails to comply, I am prepared to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as pursue legal action for willful violations of the FCRA, which allows for statutory damages up to {$1000.00} per violation plus legal fees. 

I expect prompt action on this matter and look forward to written confirmation that these accounts have been deleted.

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 2025-02-17 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX, XXXX and XXXX credit XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 

I filed XXXX reports to the FTC. Each report for different things I found on my credit report that was fraudulent. FTC XXXX numbers below : Reference : XXXX Reference : XXXX Reference : XXXX Reference : XXXX This fraudulent, inaccurate, and false information consists of : XXXX. A personal unsecured line of credit opened at AFFIRM INC under the account XXXX on XX/XX/XXXX for {$38.00} and another account from AFFIRM INC with account XXXX on XX/XX/XXXX for {$62.00}. As well as a XXXX account from AFFIRM INC under the account XXXX on XX/XX/XXXX. 
XXXX. A personal credit card opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1600.00} XXXX. A personal credit card opened at CREDIT XXXX BANK on XX/XX/XXXX with a balance of {$710.00} XXXX. XXXX student loan accounts opened at XXXX OF XXXX  on dates : XX/XX/XXXX, XX/XX/XXXX again, XXXX again, and XX/XX/XXXX for amounts : {$3900.00}, {$7400.00}, {$3900.00}, {$2300.00}, and {$4600.00}. 
XXXX. A personal credit card opened at XXXX XXXX on XX/XX/XXXX with a balance of {$210.00}. 
XXXX. A auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX for {$11000.00} XXXX. A loan or credit card opened at XXXX XXXX XXXX  on XX/XX/XXXX for {$1300.00} XXXX. A personal credit card opened at XXXX on XX/XX/XXXX for {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint Reports as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: CA

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 2025-02-17 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Section 602 ( a ), consumer reporting agencies like XXXX, XXXX, and Experian have a responsibility to be fair, unbiased, and respect my privacy as a consumer. I have the right to ensure my private information is not shared. This is supported by 15 USC 6801, which says that financial institutions must protect their customers ' private information. XXXX, which provides information to credit agencies, is considered a financial institution under this law. 

15 USC 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can only share a consumer report if they have written permission from the consumer. XXXX and the credit agencies do not have my consentwritten or otherwiseto share my information. I am officially revoking any past consent, whether verbal, implied, or written. 

15 USC 6802 ( b ) ( c ) says that a financial institution can not share private information with a third party unless the consumer is informed and given the chance to opt out. XXXX never gave me this option. Additionally, 15 USC 1681C ( a ) ( 5 ) states that consumer reporting agencies can not include adverse information on a report if it is older than seven years, except for criminal convictions. This account is an adverse item being reported again without my permission, which is illegal. 

15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that a person should not report information to a credit agency if they know or have reason to believe it is incorrect. 15 U.S. Code 1681e also requires consumer reporting agencies to have proper procedures to ensure they comply with these rules. XXXX, XXXX, and Experian are failing to do so. Additionally, 12 CFR 1016.7 states that a consumer can opt out at any time. I am officially opting out of your reporting services.

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 2025-02-17 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: NJ

Complaint narrative:
This is not an error or misunderstandingI have repeatedly found accounts, transactions, and other items on my credit report that do not belong to me. It is extremely concerning and has been a major source of stress and anxiety. These inaccuracies are affecting my financial well-being and creating unnecessary obstacles in my life.

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 2025-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
In XX/XX/year>, we knew that we were going to be struggling with our mortgage. I was laid off from work, and my husbands hours were cut down at his shop. So we called our mortgage servicer, Mr. Cooper, who told us to apply through them for a mortgage assistance application. They also told us to talk to XXXX regarding an emergency mortgage assistance application as well. We submitted all the documentation that Mr. Cooper requested, and they are since requesting more and more documentation. Mr. Cooper keeps moving the goal post and delaying our mortgage assistance application with them. The delaying of the application through Mr. Cooper also caused us to get denied for emergency mortgage assistance through XXXX. XXXX could not give us a decision on their application because Mr. Cooper is not making a decision on their application. Instead, Mr. Cooper keeps delaying the process and asking us for more information, which we give them immediately. But because Mr. Cooper keeps delaying the process, we are growing closer and closer to foreclosure. We have XXXX special-needs children under the age of XXXX and can not afford to lose our home. But because Mr. Cooper keeps on delaying the process, we are left without any help and we are left, unsure of whether or not we will be able to keep our home. We have been going through this process with Mr. Cooper for emergency mortgage assistance application for months, and still they have not made a decision. Furthermore, we are unable to contact and get an answer from anybody from Mr. Cooper. Anybody who we call from Mr. Cooper can not and does not offer us any help or assistance or guidance regarding our situation or our application with them. I truly feel that this mortgage lender wants us to lose our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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:
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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-02-17 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: NC

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 2025-02-17 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: KS

Complaint narrative:
Transunion failed to properly investigate collection accounts & closed credit accounts I disputed for not accurately reporting all information personal information & payment 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 2025-02-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Im filing this complaint against Experian because Im beyond frustrated with their willful violation of my rights under the Fair Credit Reporting Act. This is the third time Im disputing this XXXX  XXXX, ACCOUNT # XXXX, and Experian still hasnt deleted it. This account does not belong to me, and I have never given written permission for it to be reported, which is a direct violation of 15 USC 1681b ( 2 ). Instead of properly investigating my disputes, Experian keeps sending me the same computer-generated responses, which is not a reasonable procedure and clearly violates 15 USC 1681n . I am tired of this negligence because it is seriously damaging my life. I have been trying to secure a mortgage, but because of this false account still sitting on my credit report, my family is now at risk of losing a home. Experians failure to do their job has financially hurt me, and I refuse to let them keep violating my rights without consequences. I also do not consent to Experian using AI verification like E-OSCAR, because that is not a proper investigation its just a shortcut that allows them to dodge their legal responsibility. At this point, I have had enough. I demand that the CFPB step in immediately and hold Experian accountable for their ongoing violations. I want this account deleted now, a written confirmation from Experian stating it has been removed, and a new copy of my updated credit report. If Experian continues to ignore my rights and refuse to follow the law, they need to be held legally responsible. I am requesting an investigation into their pattern of non-compliance and expect civil penalties to be imposed for their willful violations. This is my third dispute. This should have been resolved already, and I will not tolerate being ignored any longer.

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 2025-02-17 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 am a victim of XXXX  XXXX. I am under the victim of XXXX XXXX XXXX XXXX. I am requesting that the company immediately assist me because I just got robbed at gunpoint and must move immediately from my current location. XXXX XXXX is fraudulent and I need for the company to remove the account from my credit file within 4 business days from today 's date XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am formally submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to request corrections and updates to my personal information as reported in my credit file. Upon reviewing my recent credit report, I have identified inaccuracies that require immediate correction.

Under my rights granted by the FCRA, I request that you investigate and make the necessary modifications within 30 days from the receipt of this letter.

Incorrect Information Requiring Correction : 1. Name Correction : My legal name is XXXX XXXX XXXX, but my credit report incorrectly lists it as XXXX XXXX. 
In accordance with the FCRA, I request that my name be updated to accurately reflect my legal identity. 
XXXX. Address Update : My current residential address is : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX. 
However, my credit report still reflects outdated and incorrect addresses, including : XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, PR XXXX Since outdated addresses can lead to identity verification issues and potential fraud risks, I request that all previous addresses be removed and that only my current address be retained. 
Supporting Documentation : To verify the accuracy of my information, I am enclosing the following documents : A copy of my drivers license or passport displaying my correct legal name. 
A recent utility bill or bank statement confirming my current address. 
A copy of my phone bill or any other official document verifying my contact information. 
Legal Basis and Request for Confirmation : According to FCRA 15 U.S.C. 1681i, TransUnion is required to investigate and correct any inaccurate information within 30 days of receiving this request. 

Therefore, I formally request written confirmation once the corrections have been made, along with an updated copy of my credit report reflecting these changes. 

If this matter is not resolved within the legally mandated timeframe, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and take further legal action if necessary. 

I appreciate your prompt attention to this matter and look forward to your written response 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 non-monetary relief
Consumer complaint received 2025-02-17 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: DE

Complaint narrative:
I recently received a copy of my credit and noticed that I had a fraudulent account on my credit report. Please remove this account from my credit report, they are hurting my ability to obtain credit.

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 2025-02-17 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: NJ

Complaint narrative:
This is not an error or misunderstandingI have repeatedly found accounts, transactions, and other items on my credit report that do not belong to me. It is extremely concerning and has been a major source of stress and XXXX. These inaccuracies are affecting my financial well-being and creating unnecessary obstacles in my life.

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