vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute an account appearing on my credit report that I do not recognize and for which I never applied. 

The unauthorized account is listed under : XXXX XXXX XXXX XXXX  I want to unequivocally state that I have never applied for any credit product or account with XXXX  XXXX XXXX. I have no relationship with this financial institution. This account is fraudulent and was opened without my knowledge or authorization. 

The presence of this fraudulent account on my credit report is negatively impacting my creditworthiness and causing me significant distress. 

I am requesting that the CFPB investigate this matter thoroughly and take immediate action to have this unauthorized account permanently deleted from all of my credit reports ( Experian, Equifax, and TransUnion ). I also request that the CFPB ensure that any associated inquiries or negative marks are removed. 

Please advise on the next steps in this process and what additional information you may require from me. I am committed to cooperating fully to resolve this issue as quickly as possible.

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 2025-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute an account appearing on my credit report that I do not recognize and for which I never applied. 

The unauthorized account is listed under : XXXX XXXX XXXX XXXX  I want to unequivocally state that I have never applied for any credit product or account with XXXX  XXXX XXXX. I have no relationship with this financial institution. This account is fraudulent and was opened without my knowledge or authorization. 

The presence of this fraudulent account on my credit report is negatively impacting my creditworthiness and causing me significant distress. 

I am requesting that the CFPB investigate this matter thoroughly and take immediate action to have this unauthorized account permanently deleted from all of my credit reports ( Experian, Equifax, and TransUnion ). I also request that the CFPB ensure that any associated inquiries or negative marks are removed. 

Please advise on the next steps in this process and what additional information you may require from me. I am committed to cooperating fully to resolve this issue as quickly as possible.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BK CT-XXXX XXXX XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court United States District Court for the Eastern District of Michigan that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that XXXX lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: TX

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX and XX/XX/XXXX, someone took out 2 " XX/XX/XXXX on my Citibank Advantage credit card. One for {$9000.00} and one for {$8000.00}, respectively. So a total of {$17000.00} of loans against my credit card. 
Neither of those are loans I took. 
I noticed the suspicious activity XX/XX/XXXX when I got an email that my autopay was about to be charged in full in this amount. I called Citi to report this. 
At that time, I was told my online account must have been hacked and that's how the loans were applied for and issued. 
We canceled autopay and opened an investigation. We also canceled that credit card. They sent me a new card. I've still yet to activate that and it's currently XX/XX/XXXX. 

On XX/XX/XXXX, I got another email that a payment had been made for {$400.00}. So whoever hacked my online account logged in to make that minimum payment, from my authorized payment account. 

I called again and spoke to XXXX. At that time, we closed all access to my online account. 
She told me the overall fraud investigation could take 90 days. 

I've called Citi to check in a few times since then. On XX/XX/XXXX and XX/XX/XXXX. All calls have been recorded. They kept saying the investigation is ongoing. 

On XX/XX/XXXX, I received a letter in the mail ( dated XX/XX/XXXX ) saying the investigation is closed and I'm responsible for these charges. 

This is impossible and infuriating. I do not have nor do I need these loans. I do not have the funds that they issued in lump sums. 
They claim those funds were transferred to an account in my name. But the bank they listed is not one I have any accounts with. I downloaded credit reports to confirm this and my credit reports validate this. 

I have no history or any activity like this on this card over my 20+year history with Citi. That's even more concerning. Their fraud services should have flagged this suspicious activity before issuing these loans. 

I must be reimbursed for these loans, resolved from the debt and my credit report must be repaired. 

Since I've had no luck resolving through my dispute, I need help and support to resolve. Please let me know how to make this happen. 

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
Consumer complaint received 2025-05-26 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:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal 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 Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} Inquiries XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint against Experian Equifax Transunion for failing to respond to a formal credit dispute I submitted on or around XXXX XXXX, 2024. In that dispute, I requested verification and documentation for multiple accounts being reported on my credit file that I believe to be inaccurate, unverifiable, or fraudulent. In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S. Code 1681i ), Experian was required to conduct a reinvestigation and respond to my dispute within 30 days. As of todays date, I have not received a written response, investigation results, or any supporting documentation proving the validity or permissible purpose of these accounts. This lack of response is a direct violation of federal law and has continued to cause damage to my credit profile. I am requesting that Experian be held accountable for this failure to comply, that any unverifiable or disputed accounts be removed from my credit report immediately, and that the furnishers of these accounts be required to provide documented proof that these debts are mine. Without legal and verifiable evidence tying these accounts to me, they must not be allowed to remain on my report. I am attaching my original dispute letter and identifying information for reference, and I ask that this matter be investigated and resolved without further delay.

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 2025-05-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to report an issue with Experian regarding XXXX XXXX XXXX Experian continues reporting of inaccurate credit information. 

On XX/XX/year>, I paid a total of {$470.00} to XXXX XXXX XXXX to resolve and close the associated account. As of XX/XX/year>, the account remains listed on my Experian credit report, despite being fully paid and closed. 

This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit information must be accurate and up to date. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action to ensure the account is properly updated or removed from my credit file. 

Attached or available upon request is documentation verifying the date and amount of the payment. 

I respectfully request that the CFPB hold the responsible parties accountable and assist in correcting this inaccurate reporting. This incorrect entry is unfairly impacting my credit score and financial standing.

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 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the 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 personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-05-26 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: FL

Complaint narrative:
Consumer Name : XXXX 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 TRANSUNION 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 an wrong names reported XXXX, XXXX, XXXX this is not my name please remove from accout, addresses that I do not live nor can I recieve mail at the following addresses, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX, XXXX, FL XXXX, an XXXX  account opened at XXXX on XX/XX/XXXX under the account number XXXX and a OPEN account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an OVERDRAFT/RESERVE CHECKING ACCOUNT opened at XXXX XXXX on XX/XX/XXXX under the account XXXX, an XXXX  account opend at XXXX on XX/XX/XXXX under the account number XXXX, an Inquiry from XXXX  XXXX Inquired on XX/XX/XXXX. The following employers are inaccurate : XXXX, XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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 non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: OH

Complaint narrative:
Subject : Formal Dispute and Objection to Auto Loan Transfer from XXXX XXXX To Whom It May Concern, I am writing to formally dispute and express my deep concern regarding the unexpected and unauthorized transfer of my auto loan account from XXXXXXXX XXXX to Westlake Portfolio Management LLC Debt Collector.

This transfer has caused considerable confusion and distress, especially given that my account with XXXXXXXX XXXX  was in good standing and I was never informed in a timely or transparent manner of official servicing change prior to it taking effect. 
I never consented to this transfer, nor was I given a proper opportunity to completed final promise to pay and all fee removal with XXXXXXXX XXXX or understand the implications before Westlake Portfolio Management assumed control of my account. The lack of communication and the abruptness of this transition is not only unprofessional but has severely compromised my trust in the lending process. 
I am writing to formally dispute the debt referenced in your communication dated XXXXXXXX XXXX, 2025, about account number #. 

I do not recognize this debt for {$420.00} late charges and {$240.00} NSF Fee. I ask that Westlake Portfolio Management XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX provide validation, 1. The amount of the alleged debt.

2. The name of the original creditor and reason for transfer.

3. Documentation verifying that I owe the debt, including a copy of the original contract or agreement. In additional proof from XXXXXXXX XXXX  to not upload promise to pay. 


Until you provide the requested validation, you are required to cease all collection activities, including reporting this debt to credit reporting agencies, and additional fees. If you have already reported this debt, please inform the credit bureaus that the debt is disputed.

Company response to consumer: Closed with explanation