vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : [ transunion credit bureau ] [ Credit Bureau Address ] Subject : Request for Investigation and Removal of Inaccurate/Unverifiable Information Under FCRA ( 15 U.S.C. 1681i ) c-2 Dear [ Credit Bureau Name ], I am writing to formally dispute the accuracy of certain information currently being reported on my credit file. Under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting that you investigate the following accounts, as I believe they contain inaccurate or unverifiable information : XXXX. XXXX Reported XXXX missed payments ( please verify the dates and accuracy of these late payments ) XXXX XXXX XXXX XXXX XXXX Reported XXXX missed payments ( please verify the dates and accuracy of these late payments ) XXXX. XXXX Reported XXXX missed payments ( please verify the dates and accuracy of these late payments ) XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX missed payments ( please verify the dates and accuracy of these late payments XXXX XXXX XXXX XXXX Reported XXXX missed payments ( please verify the dates and accuracy of these late payments ) I request that each of these accounts be thoroughly investigated. If you can not verify the accuracy and completeness of the information, please delete or correct it as required by the FCRA. 

Please provide me with a written response detailing the results of your investigation. 

For your reference, I have enclosed a copy of my government-issued ID and a recent utility bill to confirm my identity and address. 

Thank you for your prompt attention to this matter. I expect your response within the XXXX period as required by federal law. 

Sincerely, [ 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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX, XXXX ] [ XXXX ] [ XXXX } [ XXXX ] To : [ transunion credit bureau XXXX XXXX Credit Bureau XXXX XXXX XXXX : Request for Investigation and Removal of Inaccurate/Unverifiable Information Under FCRA ( 15 U.S.C. 1681i ) c-2 Dear [ Credit Bureau Name ], I am writing to formally dispute the accuracy of certain information currently being reported on my credit file. Under my rights provided by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting that you investigate the following accounts, as I believe they contain inaccurate or unverifiable information : XXXX. XXXX Reported XXXX missed payments ( please verify the dates and accuracy of these late payments ) XXXX. XXXX XXXX XXXX Jewelers XXXX XXXX missed payments ( please verify the dates and accuracy of these late payments ) XXXX. XXXX Reported XXXX missed payments ( please verify the dates and accuracy of these late payments ) XXXX. XXXX XXXX Bank XXXX Bank Reported XXXX missed payments ( please verify the dates and accuracy of these late payments ) XXXX. XXXX Bank XXXX XXXX XXXX payments ( please verify the dates and accuracy of these late payments ) I request that each of these accounts be thoroughly investigated. If you can not verify the accuracy and completeness of the information, please delete or correct it as required by the FCRA. 

Please provide me with a written response detailing the results of your investigation. 

For your reference, I have enclosed a copy of my government-issued ID and a recent utility bill to confirm my identity and address. 

Thank you for your prompt attention to this matter. I expect your response within the XXXX period as required by federal law. 

Sincerely, [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
I am not liable for the debt with Original creditor XXXX XXXX XXXX XXXX Balance {$3300.00} I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested

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 2025-09-23 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:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ), specifically the protections outlined under 605B, as I am a confirmed victim of identity theft and have submitted both an official police report and an FTC Identity Theft Report. Despite this, Equifax has continued to report accounts that were fraudulently opened or inaccurately reported under my name. 

The following accounts are still showing on my Equifax credit report and are not mine, or are inaccurately verified despite proper documentation : XXXX XXXX XXXX XXXX ( Account ending in XXXX ) Fraudulent auto loan I did not authorize. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( Accounts ending in XXXX & XXXX ) XXXX unauthorized credit card accounts with delinquencies. 
XXXX XXXX XXXXXXXX ( Account ending in XXXX ) Account showing as closed, but never belonged to me. 
XXXXXXXX XXXX  ( Account ending in XXXX ) Unauthorized account reported with a history of adverse information. 
XXXX XXXX ( Account ending in XXXX ) XXXX account with high utilization not belonging to me. 

I have already uploaded : My government-issued ID My police report with report number My FTC Identity Theft Affidavit Screenshots of the fraudulent entries from my Equifax report Equifax has XXXX the FCRA by failing to block the fraudulent information upon receipt of my valid identity theft documentation. I have also previously disputed some of these items and they were improperly verified by furnishers despite my valid identity theft claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XX/XX/year> Transunion Subject : Formal Dispute for Inaccurate and Incomplete Credit Reporting To Whom It May Concern, This letter serves as a formal complaint and dispute against Transunion for reporting inaccurate, incomplete, and unauthorized credit information on my consumer file. 



I am disputing the erroneous items listed below that currently appear in my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am demanding that you provide written documentation of the procedures used to verify these accounts. If you are unable to verify their accuracy, they must be deleted immediately, as they are unlawfully damaging my credit and financial well-being. 



Additionally, under the XXXX XXXX ( 15 U.S.C. 6802 ), I have a fundamental right to financial privacy. Section 1681 ( XXXX ) of the FCRA further emphasizes the importance of maintaining maximum possible accuracy and protecting consumer credit information. 



Transunion is also in violation of 15 U.S.C. 1681b ( XXXX ), as there exists no permissible purpose to maintain or furnish inaccurate information. The continued reporting of these accounts represents a direct violation of my privacy rights.

Furthermore, under 18 U.S.C. 1028a, the misuse of personal information and identity theft constitute federal crimes. Any continued reporting of fraudulent or unauthorized information must cease immediately.

Lastly, 15 U.S.C. 1681c-2 requires credit reporting agencies to block all information resulting from identity theft. The presence of such items on my report is a direct violation of my rights as a consumer. 

XXXX  Account XXXXXXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : 15 U.S.C. 1681s-2 Terms and conditions were not clear and conspicuous, and no opt-out option was disclosed. Reporting constitutes unlawful transfer of private information. 

Action Requested : DELETE FROM CREDIT REPORT Final Demands Provide written verification procedures for each disputed account. 



Delete or block all inaccurate, unauthorized, or unverifiable information. 



Send me an updated corrected credit report. 



Cease all further unauthorized reporting in violation of federal law. 



Failure to comply will result in immediate escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action for damages under 15 U.S.C. 616 & 617. 



Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan account opened at XXXX  XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX Another auto loan account XXXX XXXX  XXXX XXXX Under the account number XXXX OPENED on XX/XX/XXXX With a balance of {$17000.00} along with multiple accounts a collections account opened at XXXX XXXX XXXX, XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX, ACCOUNT # XXXX XXXX  XXXX ACCOUNT # XXXX, XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan account opened at XXXX  XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX Another auto loan account XXXX XXXX  XXXX XXXX Under the account number XXXX OPENED on XX/XX/XXXX With a balance of {$17000.00} along with multiple accounts a collections account opened at XXXX XXXX XXXX, XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX, ACCOUNT # XXXX XXXX  XXXX ACCOUNT # XXXX, XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: GA

Complaint narrative:
This CFPB COMPLAINT has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 that you, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card account opened at XXXXXXXX XXXX XXXX  in XX/XX/2025 under the account number XXXX with a balance of XXXX in these accounts have resulted in collections in several hard inquiries including 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. All is questionable as well appearing on my consumer FICO CREDIT REPORT. I do not recognize the aforementioned accounts, collection and hard inquiries as reported! The aforementioned accounts, collection and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me! All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity theft criminal complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts collection and hard inquiries are the result of identity theft and fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
To Whom It May Concern, This letter is a formal demand regarding the fraudulent debt you claim is associated with my name. I have never opened, authorized, or benefited from this account. It is the direct result of identity theft.

Enclosed with this letter you will find : A copy of my FTC Identity Theft Report ( pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, requiring blocking of identity theft-related information ), and A formal representation letter from my attorney, who is actively handling this matter on my behalf.

Legal Basis & Demands Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) requires consumer reporting agencies and furnishers to block fraudulent information once notified of identity theft. You are legally required to remove this debt immediately.

Fair Debt Collection Practices Act ( 15 U.S.C. 1692c & 1692e ) prohibits continued contact with me now that I am represented by counsel and bans false representation of debts. Any further attempt to collect will be a violation.

Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Truth in Lending Act protections reinforce my right to dispute and prevent fraudulent charges.

California Civil Code 1785.16.2 ( if applicable in your jurisdiction ) also requires deletion of fraudulent tradelines upon receipt of an identity theft report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TN

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-22 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: TN

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One has placed a hold on my funds and refuses to release them. My account was restricted and I was informed that the money could only be released after an internal review. However, Capital One has not provided a clear timeline, has given inconsistent information, and is preventing me from accessing my legally owned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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 found these accounts from companies that I did not apply for

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: GA

Complaint narrative:
Issue Type : Credit Reporting Incorrect Information on Credit Report Who you're complaining about : XXXX XXXX XXXX and TransUnion XXXX What happened : XXXX reported a bankruptcy on my credit file that was not directly obtained from the U.S. Bankruptcy Court . The Fair Credit Reporting Act ( FCRA ) requires that public record data be accurate, complete, and verified especially for serious legal matters like bankruptcies.

I contacted the credit reporting agency, and they admitted the information was obtained from XXXX, not directly from the bankruptcy court. This is improper sourcing, and I demand that this bankruptcy be deleted immediately, as it was not obtained from the original, official source. 
XXXX and the credit bureau have both violated FCRA requirements by publishing potentially inaccurate and unverified data. 
Requested resolution : I am requesting the immediate deletion of the bankruptcy from my credit report, a reinvestigation by the bureau ( s ), and a formal response from XXXX explaining how they verified the information. If the item can not be verified by The US Bankruptcy Court itself, it must be removed.

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 2025-09-22 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: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
My information has been involved in several data breaches and as a result theses inquires have been added to my credit report with out my authorization XXXX ) Ally Financial XX/XX/XXXXXXXX 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 Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX I contacted all three credit bureaus, Experian, Equifax, and Trans Union for personal things to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TN

Complaint narrative:
XXXX XXXX I contacted all three credit bureaus, Experian, Equifax, and Trans Union for personal things to be removed

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