vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: VA

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-06-04 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:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Under 15 U.S.C. 1681c-2 ( a ), I request that you block and remove the following accounts from my report within 4 days : Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} Inquiries XXXX XXXX XXXX  Date XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: MD

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
Requested debt validation and ownership of the negative accounts from both the creditor and the bureau. Did not receive a response back from the creditor nor the reporting bureau and this is a violation of my rights under the FCRA. Listed are the accounts : Creditor : XXXX XXXX XXXX Account # : XXXX Amount : {$520.00} Creditor : XXXX Account # : XXXX Amount : {$380.00} Creditor : XXXX XXXX XXXX Account XXXX : XXXX Amount : {$550.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
I recently became aware that my personal information was exposed due to a data breach, resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} Inquiries XXXX XXXX XXXX Date 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 explanation
Consumer complaint received 2025-06-04 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-04 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: United PanAm Financial Corp.
State: IL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX United Auto Credit Corporation Compliance Department XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : XXXX Complaint ID # : XXXX / CFPB Case No. XXXX Dear Compliance Department, Thank you for your response dated XX/XX/year>, regarding the allegations of identity theft associated with the account in question. 
I must reiterate that fraud or identity theft occurs when someone uses personal identifying informationincluding, but not limited to, a government-issued ID, driver 's license, personal email address, and phone numberwithout the individual 's authorization to open or access accounts. The fact that a fraud alert was active on my credit file at the time of application is a clear indication that I had reason to believe my identity was compromised and took proactive steps to prevent unauthorized access. 
While the phone number listed in the alert and associated with the account may match one of my historical numbers, this alone does not confirm that I personally authorized the transaction. Identity thieves often use stolen personal informationincluding valid phone numbers and IDswhen posing as victims. A match of basic personal information should not be the sole basis for determining validity. 
I maintain that I did not authorize the application or contract in question, nor did I initiate any dealings with UACC. The existence of a signed document and matching credentials should be evaluated in the context of the ongoing identity theft, not taken as conclusive proof of consent. 
I respectfully request that this matter be reconsidered as a legitimate identity theft case. I am willing to provide any additional documentation or affidavits necessary to support my claim and urge UACC to suspend enforcement or collection efforts related to this account until the matter is resolved appropriately. 
Thank you for your attention to this issue. Please confirm receipt of this letter and advise of any further steps required on my part. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: SC

Complaint narrative:
FCRA 605B ( 15 U.S.C 1681c-2 ) I am a victim of identity theft and all information on this CFPB and FTC report needs to be removed immediately due to it being a direct result of identity theft. The accounts listed on both reports are not mine. There are duplicate accounts from these reports and its identity theft. Remove these accounts and inquiries associated with this account from my Experian, Equifax, and Transunion account. The following derogatory tradelines are identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-05 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: SC

Complaint narrative:
FCRA 605B ( 15 U.S.C 1681c-2 ) I am a victim of identity theft and all information on this CFPB and FTC report needs to be removed immediately due to it being a direct result of identity theft. The accounts listed on both reports are not mine. There are duplicate accounts from these reports and its identity theft. Remove these accounts and inquiries associated with this account from my Experian, Equifax, and Transunion account. The following derogatory tradelines are identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-04 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: DC

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: MI

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I require you to take action immediately to prevent further harm and fraud to my personal information so, remove all these fraudulent transactions and account from my credit report ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint Mortgage Servicing is inaccurately reporting 30-day late payments for XXXX and XX/XX/XXXX, which were caused by their own failure to timely process our XXXX XXXX XXXX XXXX Property Tax Exemption. 

We notified Shellpoint of the XXXX XXXX XXXX XXXX Tax Exemption via email on XX/XX/XXXX, and followed up again on XX/XX/XXXX, after they failed to resolve the issue despite numerous monthly phone calls and complaints. Despite receiving the refund from the tax office in XX/XX/XXXX, Shellpoint did not apply the exemption or adjust our escrow until XX/XX/XXXX. 

As a result, they billed us an inflated mortgage amount for months and withheld our {$4900.00} escrow refund, saying they would not release it until we paid a delinquent balancecaused entirely by their failure to apply the exemption. 

We paid the full amount, and our loan is current, but they reported us as 30 days late for XXXX and XX/XX/XXXX. XXXX  has refused to correct this, and Shellpoint refuses to acknowledge its role in creating the delinquency. 

Their own internal documents confirm they were aware of the exemption and received the refund months earlier. These late reports have damaged our credit and refinancing ability.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LOBEL FINANCIAL CORPORATION
State: TX

Complaint narrative:
COMPANY : Lobel Financial ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ACCOUNT # : [ XXXX ] PRODUCT : Auto loan ISSUE : Incorrect information on your report SUB-ISSUE : Information is not yours DESCRIPTION : Lobel Financial is engaging in illegal debt collection and credit reporting practices confirmed by their written admission in CFPB Case # XXXX ( XX/XX/XXXX  ) : 1. ILLEGAL POST-REPOSSESSION INTEREST ( VIOLATES REGULATION Z ) - Lobel admitted : " The charge off balance remains unpaid and increases over time due to accruing interest. '' - Post-repossession interest is illegal under 12 CFR 1026.36 without contractual authorization. 

2. FRAUDULENT DELINQUENCY REPORTING ( VIOLATES FCRA 623 ) - Claimed repossession at " 60 days past due '' in CFPB response.

- Actual credit reports show 90-day late payments in XXXX  ( XXXX  : XXXX, XXXX, XXXX ; XXXX  : XXXX, XXXX ). 

3. FAILURE TO PROVIDE TEXAS REPOSSESSION ACCOUNTING ( VIOLATES TX FIN. CODE 392.202 ) - Ignored 2 written requests for itemized accounting.

- Texas law requires this within 30 days to validate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
I sent a debt validation request to XXXX XXXX XXXX on XXXX XXXX and have confirmation it was delivered via certified mail. It has been more than 30 days and I have not received a validation letter. Despite this, the debt is still being reported on my credit reports by [ EquifaxXXXX XXXX XXXX I also contacted the credit bureaus, but they claim they can not locate my file. Even though, I provided the documents needed for my file to be found. This collection is negatively affecting my credit score, and no proper validation has been provided. I am requesting this unverified account be removed from my credit reports immediately, in compliance with the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
I sent a debt validation request to XXXX XXXX XXXX on XXXX XXXX and have confirmation it was delivered via certified mail. It has been more than 30 days and I have not received a validation letter. Despite this, the debt is still being reported on my credit reports by [ Equifax/Experian/TransUnion ] . I also contacted the credit bureaus, but they claim they can not locate my file. Even though, I provided the documents needed for my file to be found. This collection is negatively affecting my credit score, and no proper validation has been provided. I am requesting this unverified account be removed from my credit reports immediately, in compliance with the FDCPA.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent a debt validation request to XXXX XXXX XXXX on XXXX XXXX and have confirmation it was delivered via certified mail. It has been more than 30 days and I have not received a validation letter. Despite this, the debt is still being reported on my credit reports by [ Equifax/XXXXTransUnion XXXX XXXX I also contacted the credit bureaus, but they claim they can not locate my file. Even though, I provided the documents needed for my file to be found. This collection is negatively affecting my credit score, and no proper validation has been provided. I am requesting this unverified account be removed from my credit reports immediately, in compliance with the FDCPA.

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 2025-06-04 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: FL

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 response to consumer: Closed with non-monetary relief