vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: GA

Complaint narrative:
I am filing a complaint regarding identity theft that has resulted in unauthorized accounts and credit inquiries appearing on my credit report. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609, 604, 611, and 605A.

Section 609 of the FCRA requires that credit reporting agencies ensure the accuracy of the information in my credit report and make it available to me upon request. The fraudulent accounts that have been opened in my name are inaccurate, and the credit bureaus have not removed them after my disputes.

Section 604 of the FCRA states that credit reports may only be accessed with my consent or for certain permissible purposes. Unauthorized credit inquiries have been made by companies I do not recognize or have not authorized.

Section 611 of the FCRA mandates that credit reporting agencies investigate disputes in a timely manner ( within 30 days ) and correct any inaccuracies. Despite my attempts to dispute these fraudulent accounts and inquiries, they remain unresolved.

Section 605A of the FCRA allows consumers to place fraud alerts or credit freezes to prevent further unauthorized access to their credit reports. I have taken these actions, but the fraudulent information continues to persist.

Despite my efforts to resolve this issue, these fraudulent items remain on my credit report and continue to harm my credit score and financial stability. I am seeking assistance from the CFPB to enforce my rights under the FCRA and ensure the credit reporting agencies comply with their legal obligations to correct these inaccuracies.

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 2025-04-08 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: MI

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-04-08 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing and blocking it.

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 2025-04-08 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-04-08 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:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Caliver Beach Mortgage, LLC
State: CA

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ) Filed By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint Against : Name : XXXX XXXX Affiliated With : XXXX XXXX, XXXX XXXX XXXX XXXX NMLS # XXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Business Phone : ( XXXX ) XXXX Cell Phone : ( XXXX ) XXXX I am filing this complaint to report serious misconduct and fraudulent activity related to a property transfer and mortgage deal that has resulted in substantial financial and emotional harm to me and my young daughter. 

XXXX XXXX was a key participant in brokering a fraudulent transaction involving XXXX XXXX XXXX XXXX and XXXX XXXX. She presented herself as a trustworthy intermediary, reinforcing false promises made by XXXX and XXXX. I was led to believe that XXXX would help refinance my family home, transfer the funds so I can make necessary repairs, and then return the title to me. Instead, XXXX took title to the property and has since withheld any funds, never completed the refinance, and is now attempting to keep the property and its equity for himself. 

This home has been in my family for generations. I transferred title based on the repeated verbal and written assurances from XXXX and those he worked with, including XXXX XXXX. XXXX 's involvement gave the transaction an appearance of legitimacy and further convinced me that I could trust the process. I have emails, text messages, and recordings documenting the false representations and promises made to me. 

Despite paying for an appraisal out of pocket last XXXX while unemployed and caring for my XXXX daughter, I received no support or funding. I have since been subjected to harassment and coercion, including pressure to pay for a second appraisal. XXXX XXXX played a central role in this entire process, facilitating a fraudulent deal that has placed me at risk of homelessness and caused extreme emotional and financial distress. 

I request that the CFPB investigate XXXX XXXX role in this transaction and whether she has engaged in deceptive, unethical, or unlawful practices as a broker or intermediary in violation of federal consumer financial laws. 

Requested Outcome : Investigation into XXXX XXXX actions and her relationship with XXXX XXXX XXXX XXXX and XXXX XXXX Disciplinary action, fines, or sanctions if violations are found Help in recovering the title to my property and any funds due Supporting Documents : Court case XXXX filed at XXXX XXXX XXXX XXXX messages, emails, and audio recordings Appraisal receipts and financial documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: GA

Complaint narrative:
I hope this letter finds you well. I am writing regarding a late payment reported on my account, for the month of XXXX and XXXX Of 2021, I understand the importance of timely payments, and I sincerely apologize for this oversight. 

The late payment was due to unexpected financial hardship Since that time, I have taken steps to ensure that all payments are made on time, such as setting up auto-pay. 

I have been a loyal customer and my account has generally been in good standing. I kindly request that you consider removing the late payment from my credit report as a goodwill gesture. This adjustment would mean a great deal to me as I work to maintain and improve my credit standing. 

Thank you for your time and understanding. Please let me know if theres any further information or documentation you need to process this request. I look forward to your response and appreciate your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NJ

Complaint narrative:
on XX/XX/XXXX I looked at my credit report, and I noticed some inaccuracies. I sent a letter to Exquifax on XX/XX/XXXX asking them to investigate these accounts { XXXX  XXXX XXXX - Balance {$XXXX} Opened XX/XX/XXXX } ... { XXXX Balance {$XXXX} Opened XXXX XXXX ... { XXXX XXXX XXXX-Account number -XXXX - Opened XXXX XXXX I sent it certified mail- here is my tracking number on XX/XX/XXXX they sent me their investigation and said those accts are verified and accurate. and according to 15 USC 1681i ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 non-monetary relief
Consumer complaint received 2025-04-08 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: VA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: OR

Complaint narrative:
Im a single mother of XXXX and a XXXX XXXX. Ive worked hard to maintain my credit and submitted two written disputes to Experian, XXXX, and XXXX. First on XX/XX/XXXX, and again on XX/XX/XXXX, regarding an inaccurate XXXX late payment reported for XX/XX/XXXX on my XXXXXXXX XXXX XXXX XXXX card ( ending in XXXX ). 

All three credit bureaus are reporting that I was 30 days late in XX/XX/XXXX, but this is factually incorrect. A {$35.00} payment was made on XX/XX/XXXX, which is shown directly in the credit report itself. 

XXXX XXXX XXXX guidelines, a XXXX late mark should not be reported if any payment is made within 30 days of the due date. Reporting a XXXX delinquency when a payment was made during the same month is both misleading and unlawful. 

Despite sending both disputes along with supporting documents, I have not received any documentation from XXXX showing that I was actually XXXX days past due. The bureaus simply say the account was verified as accurate, with no investigation explanation or evidence in violation of the Fair Credit Reporting Act. 
Violations : FCRA 1681e ( b ) failure to report with maximum possible accuracy FCRA 1681i ( a ) ( 1 ) ( A ) failure to reasonably investigate my dispute FCRA 1681i ( a ) ( 5 ) ( A ) failure to delete unverifiable or inaccurate info within 30 days FCRA 611 ( a ) ( 7 ) failure to describe the reinvestigation process upon request Metro 2 CRRG improper use of 30-day late coding despite payment This false late payment is now harming my credit, limiting my ability to access better financial options, and creating additional stress as a working parent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: OR

Complaint narrative:
Im a single mother of XXXX and a XXXX XXXX. Ive worked hard to maintain my credit and submitted two written disputes to Experian, XXXX, and XXXX. First on XX/XX/XXXX, and again on XX/XX/XXXX, regarding an inaccurate XXXX late payment reported for XX/XX/XXXX on my XXXXXXXX XXXX XXXX XXXX card ( ending in XXXX ). 

All three credit bureaus are reporting that I was 30 days late in XX/XX/XXXX, but this is factually incorrect. A {$35.00} payment was made on XX/XX/XXXX, which is shown directly in the credit report itself. 

XXXX XXXX XXXX guidelines, a XXXX late mark should not be reported if any payment is made within 30 days of the due date. Reporting a XXXX delinquency when a payment was made during the same month is both misleading and unlawful. 

Despite sending both disputes along with supporting documents, I have not received any documentation from XXXX showing that I was actually XXXX days past due. The bureaus simply say the account was verified as accurate, with no investigation explanation or evidence in violation of the Fair Credit Reporting Act. 
Violations : FCRA 1681e ( b ) failure to report with maximum possible accuracy FCRA 1681i ( a ) ( 1 ) ( A ) failure to reasonably investigate my dispute FCRA 1681i ( a ) ( 5 ) ( A ) failure to delete unverifiable or inaccurate info within 30 days FCRA 611 ( a ) ( 7 ) failure to describe the reinvestigation process upon request Metro 2 CRRG improper use of 30-day late coding despite payment This false late payment is now harming my credit, limiting my ability to access better financial options, and creating additional stress as a working parent.

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 2025-04-08 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: TX

Complaint narrative:
My accounts were always on time! Specially with XXXX XXXX, I had a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported. 

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply 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 2025-04-08 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-08 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX EQUIFAX XXXX XX/XX/XXXX XXXX EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"

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 2025-04-08 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: PREFERRED CREDIT INC
State: TX

Complaint narrative:
PREFERRED CREDIT YOU ARE INACCURATELY UPDATING AN ACCOUNT MONTHLY THAT HAS BEEN DEEMED PROFIT LOSS DUE TO THE REMARK THAT IS PLACE ON MY CREDIT REPORT NOT ONLY HAS IT BEEN DEEMED PROFIT LOSS BUT WE ALSO KNOW THAT IT HAS BEEN REPORTED TO THE IRS AND SO UPDATING IT MONTHLY AND REPORTING IT TO THE IRS YOU CAN NOT DO BOTH PREFERRED CREDIT YOU ARE IN VIOLATION OF THE FCRA 15 USC 1681 S -2 ALSO 15 USC 1681 E B PLEASE PROVIDE XXXX

Company response to consumer: Closed with explanation