vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: NJ

Complaint narrative:
Equifax is reporting inaccurate collection and charge-off accounts, including XXXX - XXXX * * * * - {$1600.00}, XXXX XXXX - XXXX * * * * - {$140.00}, XXXX XXXX - XXXX * * * * - {$16000.00}, XXXX - XXXX * XXXX * XXXX - {$730.00}, XXXX XXXX - XXXX * * * * - {$3600.00}, XXXX XXXX XXXX * * * XXXX - {$610.00}, and XXXX - XXXX * * * * - {$10000.00}. These entries are inaccurate and the result of a data breach. There are clear discrepancies between the amounts reported on Equifax and the other bureaus, which indicates either a malfunction or negligence in your data verification system. Your failure to provide original documents that validate these amounts, along with your failure to rectify these issues after previous disputes, is a blatant violation of 15 USC 1681i and 15 USC 1681e ( b ). Your report lacks sufficient evidence to substantiate these charges, and it continues to harm my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: IL

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit 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 2025-04-28 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$400.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$400.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: CT

Complaint narrative:
All of my credit card companies have reported my accounts late and also some of them closed my accounts without sending notice i habe called them to please verify when i paid late and they did not send me a report through mail they just demanded payment. i always pay ontime and also set up automatic payments so i dont have this problem. i have paid for my credit report and i found alot of innacuracies and in total 32 late payments but i always pay on time i habe called the credit bureaus as well and they are no help i have files complaints to better business bureus as well i wish for my late payments to be removed and also closed credit card accounts that were closed without my knowledge to be removed and also the late payments on them. according to U.S LAW ( CODE 15 SECTION 1681E ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: CT

Complaint narrative:
All of my credit card companies have reported my accounts late and also some of them closed my accounts without sending notice i habe called them to please verify when i paid late and they did not send me a report through mail they just demanded payment. i always pay ontime and also set up automatic payments so i dont have this problem. i have paid for my credit report and i found alot of innacuracies and in total 32 late payments but i always pay on time i habe called the credit bureaus as well and they are no help i have files complaints to better business bureus as well i wish for my late payments to be removed and also closed credit card accounts that were closed without my knowledge to be removed and also the late payments on them. according to U.S LAW ( CODE 15 SECTION 1681E ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I did not authorize these inquiries and I want them removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: MA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXXXXXX purchased our first mortgage from XXXXXXXX XXXX I've been making automatic electronic payments to both XXXX and XXXX XXXX XXXX ( XXXX ) for years with interruption. In XX/XX/year> XXXX transferred the loan to a sister company Newrez and did not transfer my XX/XX/year> and XX/XX/year> payments. Newrez is claiming my loan is now in default. I've provided proof that those two electronic payments were indeed sent and received by XXXX. Newrez has not or will not collect them from XXXX and has chosen to claim I owe them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There is a hard inquiry listed that I did not authorize. I never gave my consent for this inquiry to be made, and I have no relationship with the party responsible for it. Let me be clear this was done without my knowledge or permission, and that is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
All of my bank acounts have been comprimised,. My JP Morgan chase and my XXXX accounts have had unauthorized account activity causing my account checks to bounce and be closed. The financial institution states they closed my accounts because of fraudulant activities. I need help in resolving my complaint. My children and family have been negativle affected by closing my accounts because of fraudulent activity, I had no idea was happing and unauthorized withdrawls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: PA

Complaint narrative:
TransUnion, Experian, and Equifax are inaccurately and irresponsibly reporting a late payment for XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX even though the account clearly reflects a {$0.00} past due balance. A balance of {$0.00} makes it impossible for any valid late payment to exist, yet all three credit bureaus continue to allow this derogatory information to remain on my report without justification. I have a right under 15 USC 1681i to expect a full and thorough investigation whenever disputed information is challenged, yet no verified evidencesuch as original billing statements, payment history records, or creditor correspondence confirming a legitimate delinquencyhas been provided to substantiate this claim. Instead, the bureaus are permitting inaccurate and damaging information to persist, which also violates their duty to maintain maximum possible accuracy under 15 USC 1681e ( b ). Reporting a non-existent late payment is not only reckless but directly harms my ability to access fair credit opportunities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: IL

Complaint narrative:
To Whom It May Concern, This is now my second formal complaint to the CFPB regarding persistent identity theft and the illegal retention of false, derogatory tradelines on my credit profile. Despite submitting an FTC Identity Theft Affidavit, police report, and documentation under FCRA 605C and XXXX, Equifax continues to willfully report fraudulent data that is causing me significant financial harm. 



Accounts Still Reporting Inaccurately : XXXX. XXXX XXXX XXXX  XXXX ( XXXX / XXXX ) Repeatedly disputed. I never opened these accounts, yet they are verified without presenting a signed contract or original application, violating FCRA 611 and 623. 
XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) One account deleted, yet the other was kept, despite identical disputed criteria. This is contradictory and violates FCRA 1681i and 1681e ( b ). 
XXXX. XXXX XXXX XXXX XXXX ( XXXX / XXXX / XXXX ) These tradelines were confirmed without a single piece of authentication from the original lender. No signed documentation was ever produced. Violation of FCRA 609 ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX ( XXXX ) Inflated balance, no validation, XXXX day delinquency without proof. FCRA 623 ( a ) ( 5 ) violation. 
XXXX. XXXX. of XXXX / XXXX XXXX open loans from XXXX that continue to report negative history. These should be removed under FCRA 605 ( a ) ( 7-year limit ) and 611 ( failure to reinvestigate ), and challenged under FCRA 605C as part of my trafficking affidavit. 



Legal Statutes Violated : FCRA 605C Mandatory removal of accounts for victims of trafficking and coercion FCRA 605B Blocking of identity theft-related tradelines within 4 business days FCRA 609 ( a ) Right to documentation and proof of ownership FCRA 611 ( a ) Reinvestigation required within 30 days FCRA 623 ( b ) Furnisher failure to investigate disputes FDCPA 809 Debt validation required XXXX XXXX XXXX XXXX State law against reporting unverified derogatory info

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NC

Complaint narrative:
I have a number of disputes with Equifax from 2022. Every time I would dispute an account it comes back " VERIFIED ''. I know that the credit bureau didn't properly investigate the accounts. This is my last time disputing the accounts in question that no other credit bureau is reporting on my credit report. However, I will be taking legal actions if the account aren't removed.This has been happening too many times and its time for them to be exposed with their fake investigation and generic " VERIFIED ". The company would take 30 days to come back saying " ACCURATE '' when they literally didn't do any investigation. They have totally violated my rights as a consumer and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TX

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation