vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 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: MS

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: MA

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: PA

Complaint narrative:
I am filing a formal complaint against Experian regarding their inaccurate and unfair credit reporting practices. Requested disputes on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and now Imunable to dispute. The account in question is XXXX and associate account # XXXXTheir reporting of my account contains errors and potential violations of federal laws designed to protect consumers and I believe it is a violation of FCRA, 15 U.S.C. 1681

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 2025-03-24 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 have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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:
I am filing a complaint regarding inaccurate and inconsistent reporting of negative accounts across the three major credit bureaus ( TransUnion, Experian, and Equifax ). These accounts contain discrepancies in balance amounts, payment statuses, and reporting dates, violating the Fair Credit Reporting Act ( FCRA ). The following accounts should be removed due to unverifiable and inconsistent reporting : 1. XXXX XXXX ( XXXX XXXX, Account # XXXX ) ** Different bureaus report conflicting late statuses ( XXXX days late vs. XXXX days late ) and inconsistent past due amounts ( {$820.00} vs. {$50000.00} ). 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account # ) * This account is missing from TransUnion but derogatory on Experian and Equifax, with inconsistent reporting of payment history. 
3. XXXX XXXX XXXX ( Collection, Account # XXXX ) ** This collection account appears on Experian and Equifax but not TransUnion XXXX with differences in status ( charge-off vs. late XXXX days ). 
4. Source Receivables ( XXXX XXXX, Account # XXXX ) ** TransUnion lists this as open while Experian and Equifax report it as closed. Equifax also includes a remark that the debt is unsatisfied, which is not stated on other reports. 
5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) ** This collection appears on TransUnion and Experian but is missing from Equifax XXXX 
6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ) ** This account is only listed on TransUnion XXXX raising concerns about its validity. 
7. XXXX XXXX XXXX XXXX XXXX XXXX, Account # XXXX ) ** TransUnion reports it as open, while Experian and Equifax report it as closed. Equifax also adds a remark that the debt is unsatisfied, which is missing from the other bureaus. 

These discrepancies indicate a failure to ensure accurate reporting. I am requesting a full investigation into these accounts. If the furnishers can not verify their accuracy with consistent documentation, I demand their immediate deletion from my credit reports. This incorrect reporting has caused significant harm to my credit standing, and I seek resolution under the FCRA and Fair Debt Collection Practices Act ( 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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 explanation
Consumer complaint received 2025-03-24 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 XXXX Credit Bureau 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  XXXX  XXXX XXXX ; but it is listed incorrectly on my credit report as XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX TER, XXXX, FL XXXX ; but my credit report shows an outdated address as XXXX XXXX, XXXX, FL XXXX ; XXXX XXXX, XXXX, FL XXXX ; 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 2025-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I contact the company XXXX XXXX XXXX requesting a 1099C and was denied and told I would not be received the 1099C, but it shows on all of my credit reports as a charged off with an active balance owed of XXXX ( something ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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:
FCRA section 605B ( 15 U.S.C. 1681c-2 ) addresses identity theft and requires consumer reporting agencies to block the reporting agencies to block the reporting of information identified as resulting from an alleged identity theft within four business days of recieving proof of identity, an identity theft report, and a consumer statement. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-03-24 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:
FCRA section 605B ( 15 U.S.C. 1681c-2 ) addresses identity theft and requires consumer reporting agencies to block the reporting agencies to block the reporting of information identified as resulting from an alleged identity theft within four business days of recieving proof of identity, an identity theft report, and a consumer statement. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-03-24 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: IL

Complaint narrative:
Accounts are closed and not removed from my report. Companys included are XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: WI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This complaint is submitted to dispute and request the immediate correction of inaccuracies reported by the bureaus regarding three accounts that were fraudulently opened in my name due to identity theft. 

Specifically, the following accounts appear on my credit report, but I did not open or authorize them : XXXX XXXX  ( Account Number : XXXX ), opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Account Number : XXXX ), opened on XX/XX/XXXX, XXXX XXXX ( Account Number : XXXX ), opened on XX/XX/XXXX. 

As a victim of identity theft, I formally request that these fraudulent accounts be removed from my credit report immediately. 

I request urgent attention to this matter to ensure the accuracy of my credit report and to prevent any further unauthorized activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint is submitted to dispute and request the immediate correction of inaccuracies reported by the bureaus regarding three accounts that were fraudulently opened in my name due to identity theft. 

Specifically, the following accounts appear on my credit report, but I did not open or authorize them : XXXX XXXX  ( Account Number : XXXX ), opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX ( Account Number : XXXX ), opened on XX/XX/XXXX, XXXX XXXX ( Account Number : XXXX ), opened on XX/XX/XXXX. 

As a victim of identity theft, I formally request that these fraudulent accounts be removed from my credit report immediately. 

I request urgent attention to this matter to ensure the accuracy of my credit report and to prevent any further unauthorized activity.

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 2025-03-24 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2025-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX Dear Transunion, I am writing to formally dispute certain inquiries listed on my credit report associated with my account. Upon reviewing my credit report, I noticed several inquiries that I did not authorize, and I believe they are inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccuracies in my credit report. Specifically, Section 604 of the FCRA states that a consumer reporting agency may furnish a consumer report only for certain permissible purposes, including with the consumer 's consent. I did not provide consent for these inquiries, and I request that you investigate this matter.

I kindly request that you provide me with the following information : 1. A detailed explanation of the circumstances surrounding these inquiries.

2. Documentation showing that I authorized these inquiries. 

If it is determined that these inquiries were made in error or without my consent, I expect them to be removed from my credit report promptly. 

In addition, I would like to remind you of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which prohibits any false or misleading representation in connection with the collection of a debt. Any unauthorized inquiries may lead to further action, including notifying the Consumer Financial Protection Bureau ( CFPB ) and state regulatory agencies regarding this matter. 

Please respond to this letter within 30 days. I appreciate your prompt attention to this issue and look forward to your response. 

Thank you. 
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 2025-03-24 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:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2025-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Over the course of several months I have tried to explain to NewRez that I have a condo and not a coop, as they requested condo insurance. I sent proof of insurance in XXXX ( and followed up many many times at several email addresses ) but received XXXX responses until XX/XX/XXXX, and only as a result of filing a complaint with the Consumer Financial Protection Bureau. 

Here is the issue in a nutshell : NewRez is claiming I let my condo insurance lapse in XX/XX/year>, so they are demanding a punitively priced policy ( about 800 % over market rate ) to cover that period. 

I absolutely did not let it lapse as I absolutely did not have it. I had all the insurance needed to close my mortage XXXX years ago. Several companies have bought the mortgage since then. Only NewRez, the third or fourth holder of the mortage, has decided to tear up that contract and make new requirements for what insurance is needed - and to make it retroactive for a year. 

I even tried to pay off the mortgage to get away from this awful company, but I can't, as they want XXXX dollars in escrow money - money they never put out, for a policy that didn't exist, as it was never required in the mortgage I signed. 

NewRez did not acknowledge at all receipt of my coop insurance, despite my having submitted it over and over for something like XXXX weeks. Yet now I am getting financial penalties for only paying the mortgage I have always paid, and not the newly-revised and uncommunicated terms of the new mortgage that they think I have.

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 2025-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I opened an account with wise in XXXX. After wrong experience with customer service I decided to get my money back to XXXXXXXX XXXX 

Now Wise is blocking the XXXX transfer to XXXX and saying they are running security checks. When calling them and ask what are they needing from me. They don't need anything but asking me to wait 10 days for the security to complete. They seem to delay the transfer for no reason. If security checks are required which I can understand just tell me what to provide and I will do quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: OR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. 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