vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of 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 explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After sending complaints here in CFPB these negative items are STILL reporting and my complaints have NEVER been resolved. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, and my Proof of 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 2025-05-15 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card acc
ount that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, 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 2025-05-15 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: TX

Complaint narrative:
I am filing this complaint on behalf of XXXX XXXX XXXX for a fraudulent XXXX XXXX XXXX account reported on her Experian credit file. This account was opened around XX/XX/2023, with a {$2500.00} credit limit and reports negative activity that XXXX did not authorize. She did not apply for this account it is the result of identity theft. 

XXXX submitted an FTC Identity Theft Report, photo ID, and a utility bill as part of her formal dispute. Despite this, the account remains on her credit report. This violates her rights under FCRA 605B, which requires fraudulent data to be blocked.

We request that Experian remove this account immediately and stop reporting 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 2025-05-15 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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 2025-05-15 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: MA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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 explanation
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported 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 account and 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, TransUnion, and Experian for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

[ Specifically, Equifax is reporting both accounts as Current with one " 30 Days Late mark for each account. Experian is reporting both as Current with one " 30 Days Late mark for each account. TransUnion is reporting both as Current with one " 30 Days Late mark for each account. ] These reports are inaccurate and need to be updated to reflect Current or Paid on time '' / " Paid as agreed '' for all accounts in question. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting.

Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. 

I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. 

I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXX XXXX Services Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account Name : XXXX XXXX Services Account number : 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 2025-05-15 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: NV

Complaint narrative:
b'I sent a letter via certified mail to have incorrect names and addresses removed from my report. They responded with an email, even though I requested correspondence via mail. Their email read as follows: XXXXWe are responding to your request to remove a name or Social Security number on your personal credit report. We store information based on identification information provided to us by credit grantors or from information contained in public records. One or more sources of information reported the information you questioned and it is a part of your credit history.\n\nIf you believe a name or Social Security number in your credit report is inaccurate, you may want to contact the source of the information directly. Please contact us by phone at XXXX XXXX XXXX XXXX if you need additional assistance to determine the specific source of this particular information on your credit report.\n\nConnect with your credit day or night for FREE. View your Free Experian Credit Report anytime. Refreshed every 30 days upon log in. No credit card required. Start Here!\n\nPLEASE DO NOT REPLY TO THIS MESSAGE\nThis notice is systemically generated, and we cannot receive responses.\n\nExperian and the Experian marks used herein are trademarks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein are the property of their respective owners."\n\nI tried to contact them to get the "source", but their phone system is set up where a live person is not able to be reached.'

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 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am writing to file a formal and urgent complaint regarding an outrageous and unjust incident involving my vehicle, which was financed through Westlake Financial and purchased from XXXX XXXX XXXX. 

On XX/XX/XXXX, I financed a XXXX XXXX XXXX through Westlake Financial. I have made all required payments on time, including a recent payment of {$470.00} on XX/XX/XXXX. I have documentation to prove this. However, on XX/XX/XXXX, my vehicle was unexpectedly repossessed directly from my place of employment, causing not only personal hardship but tremendous public embarrassment in front of my coworkers and supervisors. 

This humiliating incident occurred without warning and while I was completely up to date on my payments. 

I immediately contacted Westlake Financial, only to be told that my account shows as paid off and they have no idea why my vehicle was repossessed. Incredibly, they were unable to locate my account using my Social Security number as if I never existed in their system. 

I then reached out to XXXX XXXX XXXX, the dealership where I purchased the car, and they also claimed to have no record of the repossession, no explanation, and no trace of my account. I was told the only way to get my car back is to find an entirely new financing company within 10 days, or I will permanently lose the car despite the fact that I have already made a down payment and multiple monthly payments on it. 

Let me be clear : my car was repossessed in front of my colleagues for reasons that no one not Westlake Financial, not XXXX XXXX XXXX can explain. I was made to look like I had defaulted on my obligations when in fact, I have done everything right. This has been financially, professionally, and emotionally devastating. 

This is not only a violation of trust it is a total breakdown of basic business accountability. I am being treated like I never bought the car, never signed a loan, never paid a cent all while being stripped of my vehicle, my money, and my dignity. 

I demand the Consumer Financial Protection Bureau immediately investigate this matter. I am requesting : A full explanation of why my car was repossessed ; A complete and verifiable record of all payments I have made ; Immediate return of my vehicle or full financial restitution including down payment, monthly payments, and any related costs ; An investigation into whether my personal information has been mishandled, lost, or used fraudulently by either party. 

I expect this to be handled urgently and seriously. I have documentation and am prepared to provide proof of payment, contract terms, and any other materials needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-05-15 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ

Complaint narrative:
My loans were originally serviced by XXXX XXXX  and paid regularly. In XXXX, it was transferred to XXXX XXXX where I set up auto-pay and updated my latest contact information, including opting into e-correspondence. Sometime in XX/XX/XXXX, loan servicing was transferred again to a different entity within XXXX. This change was never communicated with me. My auto-pay was cancelled as a result of this transfer which was also never communicated. I never received any notifications of late or missed payments. Now in XX/XX/XXXX, I discover my loans had entered default only because of a change in my credit score. I immediately contacted the Department of Education and paid off the balance of my loan and began investigating the matter. None of the agencies mentioned above could provide any clarification as to why this transfer occurred without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
Report # XXXX this account states it has been charged off, I have not received a 1099, this information is inaccurate, I also disputed statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formal joint complaint against Equifax, Experian, TransUnion, XXXX XXXX XXXX, and XXXX  for failing to investigate, correct, or coordinate resolution of multiple inaccurate credit and public record entries. 

Between XX/XX/XXXX and XXXX XXXX, I submitted 4 rounds of documented disputes. The following negative accounts remain inaccurate or unverifiable : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX  ( XXXX  XXXX ) XXXX Bureaus blame XXXX ; XXXX claims to await bureau replies. Meanwhile, my XXXX report contains a Civil Court public record from : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, FL This record triggered a housing denial from XXXX XXXX in XX/XX/XXXX, confirmed via email. XXXX was used to screen me and based their decision on XXXX data. I request XXXX identify the court source and provide case number. If unverifiable, it must be deleted. 

I am attaching : - My ID and address documents- Round 4 dispute letters- Housing denial proof ( XXXX  ) - XXXX responses- Civil record excerpt Requested action : 1. Investigate all entities listed 2. Compel correction or deletion 3. Require XXXX to verify or remove court data 4. Prevent future data sharing without validation Ive suffered emotional and financial harm from this breakdown in data responsibility.

Company response to consumer: Closed with non-monetary relief