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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
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: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have several hard inquiries on my report of which I gave no permissions and I havent received anything for them and I would like them removed off my credit report immediately.

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have several hard inquiries on my report of which I gave no permissions and I havent received anything for them and I would like them removed off my credit report 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 2025-05-15 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: IN

Complaint narrative:
I had my original federal student loans through XXXX. They kept getting delayed and delayed during COVID in XXXX, so I never started making payment on my account with XXXX because nothing was due yet. I planned to wait to pay until they were supposed to be due. XXXX day I checked my XXXX account and my balance was XXXX. I was unsure what happened but was never reached out to for payment from XXXX and thought they may have still been on pause. Then about a month ago my XXXX XXXX XXXX dropped drastically and I was shocked. After looking into it on my credit card app, it showed that I had late payment from XXXX student loans. I was unaware that they transferred my loan and unaware that payments started. XXXX said that they reached out to me but I never received anything. After graduating I was in the process of living back home with my XXXX, then moving in with my brother. I never received anything in the mail at the old house or new house that I was residing. As soon as I saw that payments were late and I owed money, I paid it right away and put my account on autopay so that I will never miss a payment. But since they claimed my original payments late ( that I was unaware of ) my credit took a massive hit and dropped over XXXX points. I pay my debts on time and never had intentions of not paying them. through the forbearance periods, covid, and student loan forgiveness talks in the media I was unaware that my loan transferred, or that anything was due. I feel that I should not be penalized on my credit report for simply not knowing something was due. If I did know that payments were due I would have paid them to avoid all of this.

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: TX

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), including XXXX XXXX Code XXXX, I am formally requesting the removal and permanent blockage of all accounts resulting from identity theft. These accounts were previously deleted but have been reinserted without proper notice or verification, which is a violation of XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( B ). Furthermore, under XXXX XXXX XXXX XXXX, I have the right to request the complete file, including the original signed contract, which has not been provided. 

As outlined in XXXX XXXX Code XXXX ( a ), any consumer reporting agency must block the reporting of information that results from an alleged identity theft within XXXX business days of receiving : Proof of identity ; A copy of an identity theft report ; Identification of the information to be blocked ; and A statement from the consumer that the information is not related to any transaction initiated by them. 

Failure to comply with these statutory obligations may result in enforcement actions, civil liability, and further legal consequences. I am exercising my rights under federal law to demand the immediate removal, permanent blockage, and cessation of all reinsertion of unverified and fraudulent accounts from my credit file. 

I submitted a dispute to Experian  and Equifax Credit Reporting Agencies. 

Equifax Credit Reporting Agency responded within XXXX minutes, stating the investigation was complete. No changes were made to my credit file. ( see attachments ) These accounts are not being properly investigated. 

XXXX XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) requires credit reporting agencies ( CRAs ) to conduct a reasonable reinvestigation of any disputed information. 

Completing an " investigation '' in XXXX minutes strongly suggests no meaningful review occurred. 

They are also required to : Contact the furnisher of the information. 

Review all relevant documentation you provide. 

Complete the investigation within XXXX days, not XXXX minutes. 


XXXX XXXX. XXXX and demanded a reasonable investigation. 

I requested the original signed contract used to open the account they did not provide it, they must delete the disputed accounts.

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 information incorrect
Company: Cedars Business Services, LLC
State: WI

Complaint narrative:
My XXXX  closed account on my credit report says it's delinquent. I paid that in XXXX. Also, my Cedars Business reports I owe {$6000.00}, I have been paying and the balance is {$3200.00}. These need to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Larry H. Miller Group of Companies
State: CA

Complaint narrative:
Consumer Financial Protection BureauRe : Credit Reporting Complaint Violation of FCRA by Prestige Financial Services.

Dear CFPB, I am writing to file a formal complaint against Prestige Financial Services for violating my rights under the Fair Credit Reporting Act ( FCRA ). 
This account was charged off on XX/XX/year> and is reported as a closed account on my credit report. However, the creditor/debt collector has continued to report missed payments and/or an increasing balance even after the charge-off date, which is inaccurate and misleading under FCRA Section 623.

According to federal guidelines, once an account is charged off, it should not reflect continued delinquency reporting or a growing balance unless there is valid legal or financial activity to justify it, which there is not in this case. This kind of reporting misrepresents my credit standing and unfairly damages my credit profile.

I have disputed this with the credit bureaus and the creditor directly, but the issue remains unresolved. I am requesting the CFPB investigate this matter and compel XXXX XXXX XXXX.

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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 Dear Sir or Madam, I am writing to formally dispute certain information on my credit report that I believe is the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2, I am requesting that the following fraudulent information be blocked from my credit report : Creditor Name : XXXX # XXXX. I did not open this account, authorize its opening, or engage in any transactions related to it. Therefore, I assert that this information is not related to any transaction I have made. In accordance with 15 U.S.C. 1681c2 ( a ), I am providing the following documents to support my request : 1. Proof of Identity : [ e.g., Copy of Driver 's License, Utility Bill ] 2. Identity Theft Report : [ e.g., Police Report, FTC Identity Theft Report ] 3. Statement : I affirm that the above-mentioned information is not related to any transaction I have made. Please block the fraudulent information from my credit report within XXXX business days of receiving this request, as stipulated by the FCRA. Additionally, please notify the furnisher of this information that it XXXX be the result of identity theft, that an identity theft report has been filed, and that a block has been requested, including the effective dates of the block, as required under 15 U.S.C. 1681c2 ( b ). I appreciate your prompt attention to this matter and request written confirmation once the fraudulent information has been blocked. Sincerely, XXXX XXXX Enclosures :

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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: GFS II, LLC
State: IN

Complaint narrative:
It was explained that due to my credit score is why I pay the interest I do but it just seems unfair and the interest is XXXX percent of the cost of my truck but the truck depreciation is still there with no depreciation in price. I think the interest is outrages and my only option is to pay it off. And the question is posed to me how is my truck worth less than the price of my total loan and how is the interest worth XXXX percent of my truck.

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: CO

Complaint narrative:
TransUnion said they do not block fraud/ ID theft claims only send the disputes to the creditors for them to decide when I have been attempting to dispute with them for over 8 months and have gotten nowhere. I was a victim of ID theft fraud and they are leaving it in the creditors hands when I have submitted a police report ftc report reported it to the FBI and sent over XXXX pages of documents proving I never had any of the vehicles that I have open auto loans with including false addresses in a state I dont live and false job title and income etc. they are refusing to block it and leaving me helpless as a victim who has gone to all the XXXX to report this

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I submitted a dispute to Equifax regarding an inaccurate {$160.00} balance reported by XXXX XXXX XXXX XXXX I provided official documentation from the creditor dated XX/XX/year>, confirming full payment and that no fee was associated with the transaction. Equifax acknowledged receipt of my documents on XX/XX/XXXX but has failed to correct or remove the balance. 

Despite resolving this matter directly with the creditor and providing proof, Equifax re-reported the {$160.00} balance on XX/XX/XXXX, causing a XXXX drop to my XXXX XXXX and negatively affecting my credit profile. This is unfair and damaging. 

I am requesting immediate correction or deletion of the inaccurate balance, restoration of my score, and written confirmation of the changes. The continued reporting of this resolved debt is unacceptable and must be addressed 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 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

UNAUTHORIZED INQUIRIES : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation