vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
b"Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act (FCRA) Section 605b, I have reported the incident to the Federal Trade Commission (FTC) through their website at https://www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B (a), Credit Reporting Agencies are required to investigate any information in the consumer's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Complainant : XXXX XXXX Subject : Final Notice Failure to Resolve Disputes & FCRA Violations by Experian, Equifax, and TransUnion I am filing this formal complaint against Experian, Equifax, and TransUnion for their ongoing and willful non-compliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes submitted, including my most recent one, the credit bureaus have failed to take proper corrective action or provide a legally sufficient response as required by federal law. 

Instead of responding with proper documentation and a transparent process, I received generic " verified '' responses that did not include the method of verification, a clear violation of 15 U.S.C. 1681i ( a ) ( 7 ). Additionally, the continued reporting of inaccurate or unverifiable data without proper reinvestigation violates 15 U.S.C. 1681i ( a ) and 1681e ( b ), which mandate that credit reporting agencies must use reasonable procedures to ensure maximum possible accuracy. 

Disputed and Unresolved Items : Public Record : XXXX XXXX Bankruptcy Case Number : XXXX Incorrect Personal Information : Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Charge-Off Accounts Still Reporting Inaccurately : XXXXXXXX XXXX Acct 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 XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Bureaus Have Failed to Provide : The specific method and procedure used to verify each account The full name, title, and contact information for the furnishers of each disputed item Any documentation relied upon during the verification process

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Complainant : XXXX XXXX Subject : Final Notice Failure to Resolve Disputes & FCRA Violations by Experian, Equifax, and TransUnion I am filing this formal complaint against Experian, Equifax, and TransUnion for their ongoing and willful non-compliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes submitted, including my most recent one, the credit bureaus have failed to take proper corrective action or provide a legally sufficient response as required by federal law. 

Instead of responding with proper documentation and a transparent process, I received generic " verified '' responses that did not include the method of verification, a clear violation of 15 U.S.C. 1681i ( a ) ( 7 ). Additionally, the continued reporting of inaccurate or unverifiable data without proper reinvestigation violates 15 U.S.C. 1681i ( a ) and 1681e ( b ), which mandate that credit reporting agencies must use reasonable procedures to ensure maximum possible accuracy. 

Disputed and Unresolved Items : Public Record : XXXX XXXX Bankruptcy Case Number : XXXX Incorrect Personal Information : Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Charge-Off Accounts Still Reporting Inaccurately : XXXXXXXX XXXX Acct 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 XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Bureaus Have Failed to Provide : The specific method and procedure used to verify each account The full name, title, and contact information for the furnishers of each disputed item Any documentation relied upon during the verification process

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 2025-07-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report 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.

And under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation of any information disputed by a consumer, an item is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item or modify it based on the results of the reinvestigation.

These accounts were either opened fraudulently, are inaccurate, or can not be verified. Ive never authorized these charges, leases, or purchases, and they are having a damaging impact on my credit profile.

The listed accounts were not opened or agreed to by me and I have submitted a formal FTC Identity Theft Report regarding these fraudulent items.

What would be a fair resolution to this issue?

I want these items removed and blocked from my credit profile. 



Disputed Accounts : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$19000.00} Type : Collection XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX. 

Account Number : XXXX Balance : {$770.00} Type : XXXX XXXX XXXX XXXX XXXX ( 1 ) Original Creditor XXXX XXXX  Account Number : XXXX Balance : {$5000.00} Type : Collection XXXX XXXX XXXX XXXX XXXX XXXX ) Original Creditor : XXXX Account Number : XXXX Balance : {$3400.00} Type : Collection XXXX XXXX  Account Number : XXXX Balance XXXX {$5200.00} ( charged off ) Type : Credit Card XXXX XXXX Account Number : XXXX Balance : {$320.00} ( charged off ) Type : Secured 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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. 


To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX, New Jersey XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2. Update my credit profile to reflect the correct information as listed above.

3. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 
XXXX XXXX XXXX, XXXX, NY, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding a vehicle repossession by Wilshire Consumer Credit after I received a payment extension offer from the company. 

On XX/XX/year>, I received an email from Wilshire Consumer Credit offering a payment extension to bring my account current. The offer stated that accepting the extension would move past-due payments to the end of my loan and could help avoid damaging my credit. Relying on this information, I accepted the extension. 

Despite this, my vehicle was repossessed without prior notice, which has caused significant disruptions to my life, including losing access to important personal belongings and affecting my job. 

The original loan amount agreed upon at the beginning was approximately {$7000.00}. I have made regular monthly payments of {$330.00} for nearly one year. However, when I checked my balance statement recently, it still showed that I owed approximately {$6600.00}, which is nearly the same as the original loan amount. 

The repossession took place without any prior warning, and I have not received a reasonable explanation from the company for why this happened, especially after I accepted the payment extension offer. 

Company Information : Wilshire Consumer Credit Phone numbers : XXXX or XXXX Address : XXXX XXXX XXXX, XXXX XXXX, California XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FC HoldCo LLC
State: CO

Complaint narrative:
There are several inquiries on my consumer report I'm unaware of and have no knowledge of who and why these are listed after numerous disputes and conversation no verification has been provided regarding the incorrect information on my report my rights have been violated extremely beyond measures this has stopped me from being able to obtain credit this information does not belong to me and is in fact inaccurate according to the FCRA my privacy rights as a consumer have been bruised and misused

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 2025-07-22 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
There are several inquiries on my consumer report I'm unaware of and have no knowledge of who and why these are listed after numerous disputes and conversation no verification has been provided regarding the incorrect information on my report my rights have been violated extremely beyond measures this has stopped me from being able to obtain credit this information does not belong to me and is in fact inaccurate according to the FCRA my privacy rights as a consumer have been bruised and misused

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 2025-07-22 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: FL

Complaint narrative:
I was just looking over my credit report and found some addresses, names, phone number, and employment that appear to be incorrect. I've enclosed documentation providing proof of my current employment, name, phone number, and address as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses, names, phone numbers, and employment that i am currently seeing listed ( which i would like removed please ). 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ; which is the names that need to be removed immediately. XXXX, XXXX, and XXXX ; which is phone numbers need to be removed immediately. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; which employment needs to be removed immediately. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; addresses that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was just looking over my credit report and found some addresses, names, phone number, and employment that appear to be incorrect. I've enclosed documentation providing proof of my current employment, name, phone number, and address as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses, names, phone numbers, and employment that i am currently seeing listed ( which i would like removed please ). 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ; which is the names that need to be removed immediately. XXXX, XXXX, and XXXX ; which is phone numbers need to be removed immediately. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; which employment needs to be removed immediately. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; addresses that need to be removed immediately.

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 2025-07-22 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: KY

Complaint narrative:
Unauthorized accounts are being reported under my name without my knowledge or consent. I have never opened or managed these accounts, and their presence is completely unacceptable. This false reporting misrepresents my financial history and is a serious violation of my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below :

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 2025-07-22 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: NY

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-07-22 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: CA

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXXXXXX XXXX Balance {$2400.00} XXXX XXXX Balance {$4000.00} XXXX XXXX  XXXX Balance {$3900.00} XXXX XXXX Balance - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX UNIVERSITY XXXX XXXX Balance {$600.00} XXXX XXXX XX/XX/year> XXXX XX/XX/year> 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

Company response to consumer: Closed with non-monetary relief