vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate information being reported by MEI Auto Finance on my credit report regarding a vehicle that I have not had in my possession since XX/XX/year>. 

The account in question is erroneously marked as IN REPOSSESSION since XX/XX/year>. This status is factually incorrect and grossly misleading. As stated, I have not been in possession of the vehicle since that time, and therefore, it is not possible or lawful for it to be marked as being in " repossession '' under my name. 

This incorrect reporting is a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information furnished to credit reporting agencies be complete and accurate. Continued failure to correct this information constitutes willful noncompliance with the FCRA and could be subject to legal action. 

I have filed multiple complaints with the XXXX XXXX XXXX XXXX XXXX XXXX  and still, MEI Auto Finance has failed to update or remove the inaccurate status across all three major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX 

I am requesting the following actions be taken immediately : Remove the IN REPOSSESSION status from my credit file across all credit reporting agencies. 

Update the account to accurately reflect the status of the vehicle as of XX/XX/year>. 

Provide written confirmation of the correction and an updated account status within 15 calendar days. 

If this matter is not resolved promptly, I will be forced to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), and may consider seeking legal counsel for damages caused by this ongoing misreporting. 

Please take this matter seriously and respond in writing with confirmation of your corrective actions. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: KEYCORP
State: CT

Complaint narrative:
This is in regards to initial complaint XXXX and XXXX XXXX for an account ending in XXXX. Funds have been sitting in keybanks fraud account for a year. I had to go through an entire process with my insurance company so that they can get these funds back. the paperwork that keybank requested was sent to them and it's still a process to get the funds. I want the funds released back to the original company so that I can receive my funds. Keybank has a known issue with doing customers like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-06-04 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: NY

Complaint narrative:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-04 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: NY

Complaint narrative:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-04 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: SC

Complaint narrative:
In XXXX, I successfully disputed a {$790.00} charge-off by XXXX XXXX for an account that was never activated. XXXX acknowledged the mistake, and the item was removed from my credit report. The charge was linked to a failed postpaid migration and device promotion that never completed. The account ( XXXX ) had no service, usage, or phone number. 

Despite this resolution, Experian has now re-reported the same account as a charge-of as of XX/XX/XXXX. I contacted XXXX, who stated the charge is valid, even though I was previously told by support reps and XXXX ( in XX/XX/XXXX ) that it would be erased. 

Ive attached my original email to XXXX and the Experian alert. This is a duplicate error that is now damaging my credit unfairly.

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 2025-06-04 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: FL

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
I am submitting this complaint against TRANSUNION regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 


XXXX. Incorrect Employers :. My correct Employer is : XXXX  Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current 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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I understand the importance of credit reporting agencies adhering to mandatory reporting standards, and I trust that your organization is committed to meeting these obligations. Accordingly, I request that you provide physical documentation to substantiate any allegations or entries made against me. In doing so, please ensure full compliance with the reporting requirements outlined in 15 U.S.C. 1681e and 12 CFR Part 1022 ( Regulation V ).

I am aware that any inaccuracies or deviations from these standards may have serious implications for both federally regulated reports and XXXX XXXX compliance. Therefore, I respectfully urge you to investigate the validity of the disputed items on my credit report. If the data can not be verified, it should be corrected or deleted promptly. 

While I recognize that reporting errors may occur, I trust your agency will conduct a reasonable and thorough investigation into these consumer disputes, as required by law. I also expect that you uphold my rights and adhere to the highest standards of certified credit reporting accuracy. 

Additionally, I request that you update your records to remove the inaccurate employer listing : XXXX. The information currently reflected does not meet minimum standards for accuracy and must be corrected. Inaccurate data can cause serious harm, and failure to take corrective action may result in legal consequences. 

Furthermore, I am formally disputing the reported account type details, which appear to be inconsistent with the standards required for accurate reporting. As a consumer, I challenge the reporting privileges of the data furnisher unless they can provide clear and verifiable evidence that their reporting practices comply with industry requirementsparticularly the XXXX XXXX Format standards governing accuracy and completeness. 

This letter serves as formal notice of these reporting violations. It may be used in future legal proceedings, including complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office, as well as in any potential civil litigation. 

I demand that you take immediate corrective action to address these issues. Should you fail to respond and resolve these matters within the legally prescribed timeframe, your inaction will be deemed a willful violation of my rights, and I will pursue the legal actions described above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NJ

Complaint narrative:
I discovered this account while reviewing my credit report, and I did not authorize or initiate this loan. I have filed a FTC report and placed a fraud alert on my credit file. Attached are copies of the FTC report, my FTC Identity Theft Report, and a government-issued ID as proof of my identity.

Under the Fair Credit Reporting Act ( FCRA Section 605B ), ( 15 U.S.C.1692 ), ( IRC 26 U.S.C.6050P ), ( I am requesting that this fraudulent account be immediately investigated and removed from my credit report. Please confirm in writing once this account has been deleted. 

Thank you for your prompt attention to this matter. 

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 2025-06-04 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: NJ

Complaint narrative:
I discovered this account while reviewing my credit report, and I did not authorize or initiate this loan. I have filed a FTC report and placed a fraud alert on my credit file. Attached are copies of the FTC report, my FTC Identity Theft Report, and a government-issued ID as proof of my identity. 

Under the Fair Credit Reporting Act ( FCRA Section 605B ), ( 15 U.S.C.1692 ), ( IRC 26 U.S.C.6050P ), ( I am requesting that this fraudulent account be immediately investigated and removed from my credit report. Please confirm in writing once this account has been deleted. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-06-04 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: IL

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-06-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : Account Number : Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : Account Number : Additionally, I request the removal of all unauthorized inquiries related to this identity theft : Creditor Name : Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Creditor Name : Inquiry Date : Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

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 2025-06-04 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: PA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 



UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian

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 2025-06-04 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: 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.

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