vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 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: KY

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: IL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It has come to my attention my personal information has been exposed in a XXXX data breach. Reviewing my credit reports, l noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with. 

Please find attached a copy of My ID. The FTC complaint, a copy of the XXXX report showing my information being exposed in a XXXXXXXX XXXX and a Validation of debt Letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: NATIONS LENDING CORPORATION
State: IN

Complaint narrative:
Back in XXXX I was going through a refinance with nations lending and had informed them on my divorce and I had asked them what I should do about the payments coming due on my mortgage and they had informed me not to make them due to closing at the end on XXXX. The process continued and they was wanting more and more information and they asked about the child support worksheet for the divorce that wasn't final at the time and added to my debt to income and denied me of the refinance leaving me 2 months behind on my mortgage. I've tried calling to speak to a supervisor and nobody would answer or return my calls. I expressed my concerns with the loan officer and they pretty much told me it was my issue from that point forward. I'm currently struggling on figuring out a way to get my mortgage caught up so I don't lose my house and it has negatively impacted my credit score as well

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 2025-01-09 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: DE

Complaint narrative:
XXXX has been sued for allegedly conducting sham investigations that fail to properly address consumer disputes. I believe that the numerous times Ive attempted to correct account errors on my credit report have been shadily processed and incorrectly investigated, leading to false verification letters, updated reports instead of entirely removing accounts that are both fraudulent and/or inaccurately reporting balances, late payments, and closed accounts. 

Multiple inquiries, accounts, and inaccurate delinquent entries have been reported on my credit profile, all of which I have attached in this CFPB complaint via letter/word doc. as way of attempting to correct the insurmountable damages done to my credit health and identity as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -I demand the following incorrect late payments be removed immediately : XXXX XXXX XXXX XXXX account # :XXXX ( credit card ) Inaccurate Late payments- XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

XXXX XXXX XXXX XXXX account # : XXXX ( XXXX loan ) Inaccurate Late Payments- XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: DE

Complaint narrative:
XXXX has been sued for allegedly conducting sham investigations that fail to properly address consumer disputes. I believe that the numerous times Ive attempted to correct account errors on my credit report have been shadily processed and incorrectly investigated, leading to false verification letters, updated reports instead of entirely removing accounts that are both fraudulent and/or inaccurately reporting balances, late payments, and closed accounts. 

Multiple inquiries, accounts, and inaccurate delinquent entries have been reported on my credit profile, all of which I have attached in this CFPB complaint via letter/word doc. as way of attempting to correct the insurmountable damages done to my credit health and identity as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI demand the following incorrect late payments be removed immediately : XXXX XXXX XXXX XXXX account # :XXXX  ( credit card ) Inaccurate Late payments- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  
XXXX XXXX XXXX XXXX account # : XXXX ( XXXX loan ) Inaccurate Late Payments- XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: DE

Complaint narrative:
I am writing to make a final goodwill attempt to resolve significant issues regarding the accounts you reported as verified. The accounts in question ( XXXX and XXXX ) are inaccurate, incomplete, and represent serious errors in your reporting. This is my second written communication to your company regarding this matter, and I must remind you that you are in violation of 15 U.S.C. 1681. Under the FCRA, you are required to verify the accuracy of any account listed on my credit report with physical documentation.

I do not want a response that merely echoes your dispute codes and automated systems.

I request that you provide your method of verification for the accounts you claim to have verified.

I am concerned about the validity and accuracy of your recent investigation into my accounts. I previously requested an investigation because I believed the items were not being reported legally. Recently, I received a notification stating that your investigation was complete.

To clarify this matter, please answer the following questions : 1. What certified documents were reviewed during your investigation?

2. Provide a complete copy of all information transmitted to the data furnisher as part of the investigation, including : a. Who did you speak with?

b. What was the date of the conversation?

c. How long did the conversation last?

d. What was their position?

e. What number did you call?

f. What is the name of your employee who spoke directly to the creditor?

g. What is the position of your employee that contacted the creditor?

Along with your response, I respectfully request a notarized affidavit confirming that the information you provide is true and correct, as granted by my civil rights under several federal laws. This should not be a form letter response.

My initial dispute was detailed and specifically related to the accounts in question. A template response will not be acceptable. If you are unable to provide all the requested information in a timely manner, I must demand the permanent removal of the items listed above from my credit report.

The law is clear regarding civil liability and the remedies available to me for negligent noncompliance. I am a litigious consumer and fully intend to pursue litigation to enforce my rights under the FCRA if necessary.

Thank you for your prompt attention to this matter.

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 2025-01-09 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: DE

Complaint narrative:
I am writing to make a final goodwill attempt to resolve significant issues regarding the accounts you reported as verified. The accounts in question ( XXXX and XXXX ) are inaccurate, incomplete, and represent serious errors in your reporting. This is my second written communication to your company regarding this matter, and I must remind you that you are in violation of 15 U.S.C. 1681. Under the FCRA, you are required to verify the accuracy of any account listed on my credit report with physical documentation.

I do not want a response that merely echoes your dispute codes and automated systems.

I request that you provide your method of verification for the accounts you claim to have verified.

I am concerned about the validity and accuracy of your recent investigation into my accounts. I previously requested an investigation because I believed the items were not being reported legally. Recently, I received a notification stating that your investigation was complete.

To clarify this matter, please answer the following questions : 1. What certified documents were reviewed during your investigation?

2. Provide a complete copy of all information transmitted to the data furnisher as part of the investigation, including : a. Who did you speak with?

b. What was the date of the conversation?

c. How long did the conversation last?

d. What was their position?

e. What number did you call?

f. What is the name of your employee who spoke directly to the creditor?

g. What is the position of your employee that contacted the creditor?

Along with your response, I respectfully request a notarized affidavit confirming that the information you provide is true and correct, as granted by my civil rights under several federal laws. This should not be a form letter response.

My initial dispute was detailed and specifically related to the accounts in question. A template response will not be acceptable. If you are unable to provide all the requested information in a timely manner, I must demand the permanent removal of the items listed above from my credit report.

The law is clear regarding civil liability and the remedies available to me for negligent noncompliance. I am a litigious consumer and fully intend to pursue litigation to enforce my rights under the FCRA if necessary.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: DE

Complaint narrative:
I am writing to make a final goodwill attempt to resolve significant issues regarding the accounts you reported as verified. The accounts in question ( XXXX and XXXX ) are inaccurate, incomplete, and represent serious errors in your reporting. This is my second written communication to your company regarding this matter, and I must remind you that you are in violation of 15 U.S.C. 1681. Under the FCRA, you are required to verify the accuracy of any account listed on my credit report with physical documentation.

I do not want a response that merely echoes your dispute codes and automated systems.

I request that you provide your method of verification for the accounts you claim to have verified.

I am concerned about the validity and accuracy of your recent investigation into my accounts. I previously requested an investigation because I believed the items were not being reported legally. Recently, I received a notification stating that your investigation was complete.

To clarify this matter, please answer the following questions : 1. What certified documents were reviewed during your investigation?

2. Provide a complete copy of all information transmitted to the data furnisher as part of the investigation, including : a. Who did you speak with?

b. What was the date of the conversation?

c. How long did the conversation last?

d. What was their position?

e. What number did you call?

f. What is the name of your employee who spoke directly to the creditor?

g. What is the position of your employee that contacted the creditor?

Along with your response, I respectfully request a notarized affidavit confirming that the information you provide is true and correct, as granted by my civil rights under several federal laws. This should not be a form letter response.

My initial dispute was detailed and specifically related to the accounts in question. A template response will not be acceptable. If you are unable to provide all the requested information in a timely manner, I must demand the permanent removal of the items listed above from my credit report.

The law is clear regarding civil liability and the remedies available to me for negligent noncompliance. I am a litigious consumer and fully intend to pursue litigation to enforce my rights under the FCRA if necessary.

Thank you for your prompt attention to this matter.

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 2025-01-09 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: TN

Complaint narrative:
Information was leaked due to the data breach. I would need my information removed from my 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 2025-01-09 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: TN

Complaint narrative:
Information was leaked due to the data breach. I would need my information removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TN

Complaint narrative:
Information was leaked due to the data breach. I would need my information removed from my 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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: FL

Complaint narrative:
I am submitting this complaint against Transunion regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as [ XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ] on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX, while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ]. I request that my current address be updated accordingly. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-01-09 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: NY

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief