vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: NV

Complaint narrative:
Complaint Summary : I am filing this complaint against XXXX XXXX XXXX for repeated violations of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. I fully paid off a settlement of {$13000.00} in XX/XX/XXXX for my XXXX XXXX XXXX. Since then, XXXX has failed to provide my vehicle title and continues to report inaccurate and derogatory information to the credit bureaus, associated with an incorrect Social Security Number. 



Key Issues and Violations XXXX. Failure to Provide Vehicle Title ( XXXX Months Delay ) Despite repeated requests since XX/XX/XXXX, I have not received the vehicle title for the XXXX XXXX XXXX that was paid in full. Each month I have been told it will be mailedonly to have that date pushed further. As of XX/XX/XXXX, the title still has not been delivered. This delay has interfered with my ability to manage legal ownership of the vehicle.

2. Credit Reporting Under Incorrect Social Security Number The account associated with my name is tied to an incorrect Social Security Number. This error has caused multiple verification problems when calling XXXX and is a violation of : FCRA 602 ( A ) ( 1 ) : Consumers have the right to accurate and fair credit reporting.

FCRA 604 ( a ) ( 3 ) : Accessing or reporting credit information using inaccurate identifiers, such as an incorrect SSN, is unauthorized and misleading.

FCRA 607 ( b ) : Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer information. 
Because XXXX reported this account under an invalid SSN, it has not only failed to meet its duty of accurate reporting, but the data should be considered unauthorized, unverifiable, and invalid. 
XXXX. Failure to Update Account Status Post-Payoff Despite being paid off, the account is still showing as unpaid or derogatory on my credit report. This is a violation of : FCRA 623 ( a ) ( 2 ) : Furnishers of information are required to promptly update and correct incomplete or inaccurate information.

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 2025-06-07 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: NV

Complaint narrative:
Complaint Summary : I am filing this complaint against XXXX XXXX XXXX for repeated violations of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. I fully paid off a settlement of {$13000.00} in XX/XX/XXXX for my XXXX XXXX XXXX. Since then, XXXX has failed to provide my vehicle title and continues to report inaccurate and derogatory information to the credit bureaus, associated with an incorrect Social Security Number.

Key Issues and Violations 1. Failure to Provide Vehicle Title ( XXXX Months Delay ) Despite repeated requests since XX/XX/XXXX, I have not received the vehicle title for the XXXX XXXX XXXX that was paid in full. Each month I have been told it will be mailedonly to have that date pushed further. As of XX/XX/XXXX, the title still has not been delivered. This delay has interfered with my ability to manage legal ownership of the vehicle.

2. Credit Reporting Under Incorrect Social Security Number The account associated with my name is tied to an incorrect Social Security Number. This error has caused multiple verification problems when calling XXXX and is a violation of : FCRA 602 ( A ) ( 1 ) : Consumers have the right to accurate and fair credit reporting.

FCRA 604 ( a ) ( 3 ) : Accessing or reporting credit information using inaccurate identifiers, such as an incorrect SSN, is unauthorized and misleading.

FCRA 607 ( b ) : Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer information. 
Because XXXX reported this account under an invalid SSN, it has not only failed to meet its duty of accurate reporting, but the data should be considered unauthorized, unverifiable, and invalid.

3. Failure to Update Account Status Post-Payoff Despite being paid off, the account is still showing as unpaid or derogatory on my credit report. This is a violation of : FCRA 623 ( a ) ( 2 ) : Furnishers of information are required to promptly update and correct incomplete or inaccurate information.

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 2025-06-07 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: NV

Complaint narrative:
Complaint Summary : I am filing this complaint against XXXX XXXX XXXX for repeated violations of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. I fully paid off a settlement of {$13000.00} in XX/XX/XXXX for my XXXX XXXX XXXX. Since then, XXXX has failed to provide my vehicle title and continues to report inaccurate and derogatory information to the credit bureaus, associated with an incorrect Social Security Number.

Key Issues and Violations 1. Failure to Provide Vehicle Title ( 5+ Months Delay ) Despite repeated requests since XX/XX/XXXX, I have not received the vehicle title for the XXXX XXXX XXXX that was paid in full. Each month I have been told it will be mailedonly to have that date pushed further. As of XX/XX/XXXX, the title still has not been delivered. This delay has interfered with my ability to manage legal ownership of the vehicle.

2. Credit Reporting Under Incorrect Social Security Number The account associated with my name is tied to an incorrect Social Security Number. This error has caused multiple verification problems when calling XXXX and is a violation of : FCRA XXXX ( A ) ( XXXX ) : Consumers have the right to accurate and fair credit reporting.

FCRA 604 ( a ) ( 3 ) : Accessing or reporting credit information using inaccurate identifiers, such as an incorrect SSN, is unauthorized and misleading.

FCRA 607 ( b ) : Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer information. 
Because XXXX reported this account under an invalid SSN, it has not only failed to meet its duty of accurate reporting, but the data should be considered unauthorized, unverifiable, and invalid.

3. Failure to Update Account Status Post-Payoff Despite being paid off, the account is still showing as unpaid or derogatory on my credit report. This is a violation of : FCRA 623 ( a ) ( 2 ) : Furnishers of information are required to promptly update and correct incomplete or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LD Holdings Group, LLC
State: CO

Complaint narrative:
I am trying to make a payment to loan depot and they refuse to take the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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:
I AM A VICTIM OF IDENTITY THEFT AND I NEEDED HELP RECOVERYING. I REACHED OUT TO THE CREDIT AGENCIES AND THEY DID NOT HONOR THE FCRA 605B LAW as these accounts were never blocked due to being fraudulent information. 

I have sent in the necessary documents to Equifax, Experian and Transunion credit reporting agencies, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department just told me over the phone today that after receiving my documents, they decided not to block the fraud items off of my report, stating that my documents did not meet the criteria of a blocking which in fact is a lie. I have sent them exactly what the laws from FTC.gov site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need these credit agencies fraud departments under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain. Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

_And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation against ALL parties involved with this illegal reporting, immediately. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal reporting.

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 2025-06-07 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: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND I NEEDED HELP RECOVERYING. I REACHED OUT TO THE CREDIT AGENCIES AND THEY DID NOT HONOR THE FCRA 605B LAW as these accounts were never blocked due to being fraudulent information. 

I have sent in the necessary documents to Equifax, Experian and Transunion credit reporting agencies, to block the fraudulent remarks off of my credit report and to my surprise, their specialized fraud department just told me over the phone today that after receiving my documents, they decided not to block the fraud items off of my report, stating that my documents did not meet the criteria of a blocking which in fact is a lie. I have sent them exactly what the laws from FTC.gov site advises consumers to send in to the reporting agencies when a victim of i.D theft. And i will attach all that I've sent them as well to this complaint. I need these credit agencies fraud departments under surveillance now as we can clearly see that they are willingly violating consumers right without hesitation or deep thought for their own monetary gain. Under FCRA 605 ( B ) law, states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

_And i've clearly sent all that was needed with the request to Block items under this section. I did my part. They need to do theres. Otherwise ill be opening litigation against ALL parties involved with this illegal reporting, immediately. All Actual, Statutory and Punitive damages will be enforced. * Up to but not limited to {$1000.00} usd per month per illegal reporting.

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 2025-06-07 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX 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 XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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:
XXXX XXXX, XXXX, XX/XX/XXXXXXXX  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 oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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:
XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute and Request for Permanent Deletion of Inaccurate Accounts Dear Equifax and TransUnion Dispute Departments, I am writing to formally dispute and demand the permanent deletion of the following accounts from my credit reports. These accounts are inaccurately reported, unverifiable, and in violation of multiple consumer protection laws : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are either fraudulent, inaccurate, or lack a permissible legal basis for continued reporting. I am invoking my rights under the following federal statutes to demand immediate removal : Applicable Consumer Laws and Violations : 31 U.S.C. 5118 : Protects against unlawful debt obligations not backed by proper legal tender or contractual authority.

15 U.S.C. 1681b : Prohibits the inclusion of any consumer credit information without a permissible purpose. If I did not authorize these entries, they are unlawful.

15 U.S.C. 1681e ( b ) : Requires that consumer reporting agencies maintain procedures ensuring maximum possible accuracy. These accounts do not meet that standard.

15 U.S.C. 1681o : Establishes liability for negligent noncompliance with FCRA, which applies here due to inaccurate or unverifiable reporting.

UCC 3-104 : Under Uniform Commercial Code definitions, a valid obligation requires a negotiable instrument or enforceable agreement. I request that proof of such instruments be produced or these entries removed.

My Formal Requests : 1. Immediately and permanently delete all of the accounts listed above from both my Equifax and TransUnion credit files.

2. Provide full written documentation verifying each account, including signed contracts and lawful authority to report.

3. Block reinsertion of these accounts unless verified per 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

4. Confirm in writing the outcome of your reinvestigation within the 30-day time frame required by law.

Failure to act in accordance with FCRA statutes will leave me no choice but to escalate this dispute with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and pursue legal remedies under 15 U.S.C. 1681n & 1681o for willful or negligent noncompliance. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: AR

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries on Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report. I recently obtained a copy of my credit report and noticed the following inquiries that I do not recognize and did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I did not authorize these credit checks and have no existing relationship with the companies listed. Therefore, I am requesting that these inquiries be investigated and removed from my credit file. 

Please provide written confirmation of the results of your investigation and a corrected copy of my credit report once the inquiries have been removed. 

Thank you for your attention to this matter. I look forward to your prompt response within the timeframe required by the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: AR

Complaint narrative:
Subject : Dispute of Unauthorized Hard Inquiries on Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report. I recently obtained a copy of my credit report and noticed the following inquiries that I do not recognize and did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate or fraudulent. I did not authorize these credit checks and have no existing relationship with the companies listed. Therefore, I am requesting that these inquiries be investigated and removed from my credit file. 

Please provide written confirmation of the results of your investigation and a corrected copy of my credit report once the inquiries have been removed. 

Thank you for your attention to this matter. I look forward to your prompt response within the timeframe required by the FCRA. 

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 2025-06-07 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX XXXX Account Number : 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 2025-06-07 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:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S.C. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ).

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