vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: AL

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX XXXX asking me if I opened 2 new accounts, which I did not. The 2 accounts are for student loans with the following information : # 1 : DEPTED/XXXX  reported XX/XX/year> for {$1500.00} # XXXX : DEPTED/XXXX  reported XX/XX/year> for {$2200.00}. 

I contacted XXXX and they said the loans have been closed on their end and tracked them back to XXXX XXXX XXXX XXXX as opened on XX/XX/year> and closed on XX/XX/year>. I contacted XXXX XXXX and they said someone submitted my information to enroll in the XXXX and XXXX school year at the XXXX XXXX location. The email address they had on file under the FASFA form they received was XXXX, this is not and never has been my email address. They also had someone else 's phone number listed that was not mine. They said the name on the file had the last name " XXXX ''. The file did show a former address that I lived at but the address is no longer my residence. I have contacted the credit bureaus but need a formal report to provide them with to remove this from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
I am formally disputing the presence of accounts being reported under my name without my knowledge or authorization. I have never opened, authorized, or managed these accounts, and their presence on my credit report is entirely inaccurate and misleading. 

This is completely unacceptable and represents a serious breach of my financial identity. I demand immediate clarification regarding the origin of these accounts and identification of the party responsible for reporting them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL

Complaint narrative:
Doing this action I paid what was owed on the car for 2 years it was {$6000.00} paid it on time at {$250.00} a month I asked them for a letter of clearance so that I can send it to the credit bureau but I won't have this hit on my credit report that I did pay off the car of the balance I tried to dispute it many times at no end no advancement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
Subject : Remove these inquiries I dont recognize Identity Theft and Errors on My TransUnion Report Dear Consumer Financial Protection Bureau XXXX CFPB ), Remove these credit inquiries from my TransUnion report because I dont recognize them. I didnt give anyone permission to pull my credit, and I never applied for credit with these companies. Im a victim of identity theft, and someone used my personal information without asking me. 

These inquiries are showing up in my TransUnion report and theyre hurting my credit. I need your help to make sure theyre removed quickly and permanently. 

Unauthorized inquiries TransUnion is reporting : XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) These companies pulled my credit without a valid reason, and I did not initiate or approve any application with them. These inquiries do not appear on my other credit reports, so I believe TransUnion has made a mistake by including them. 

Laws being violated : 15 U.S.C. 1681b ( f ) : No one should access my credit file without a proper and legal reason.

15 U.S.C. 1681c-2 : When a consumer provides proof of identity theft, the credit bureau must block the fraudulent data within four ( 4 ) business days.

15 U.S.C. 1681a ( 4 ) : My personal and private information can not be used or shared without my consent. 
Ive attached the following to support my complaint : My FTC Identity Theft Report A copy of my ID Proof of address What Im asking for : That TransUnion deletes the two unauthorized inquiries listed above That they confirm the inquiries will not affect my credit score anymore That they explain why the inquiries were accepted and reported in the first place This issue is stressful and has already caused damage. Please help make sure my credit file is corrected and my rights are respected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize I recently checked my credit report and saw accounts reporting that I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize I recently checked my credit report and saw accounts reporting that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile as soon 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 2025-07-24 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: AZ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$4000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX NY XXXX XXXX XXXX Consumer Financial Protection BureauXXXX. XXXX XXXXWashington, DC XXXX Subject : Complaint Regarding Late Payment Reporting by XXXX Dear CFPB Representative, I am writing to formally file a complaint regarding how XXXX has handled the reporting of a late payment on my credit account. I had been a responsible customer with XXXX, They had close my account unexpectedly for their personal reason. I spoke to customer service when I became unable because I had lost my job and had no where to live, I take my credit report very seriously and I dont have a history of late payments. I was mis-inform that I can do a pay and delete with XXXX, and that was not true, I promptly addressed the issue once I became aware of it. 
Unfortunately, XXXX has reported this late payment to the credit bureaus, which is negatively impacting my credit score. I reached out to XXXX to request a goodwill adjustment or to explain the circumstances, but my efforts have not led to a resolution. 
I believe this reporting is unfair and does not reflect my overall credit history and prompt payment behavior. I respectfully request that the CFPB investigate this matter and help facilitate a fair resolution. 
Enclosed are copies of relevant documents, including my account statement, payment confirmation, and any correspondence with XXXX. 
Thank you for your time and assistance. 
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 2025-07-24 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX Consumer Financial Protection BureauXXXX. XXXX XXXX, DC XXXX Subject : Complaint Regarding Late Payment Reporting by XXXX Dear CFPB Representative, I am writing to formally file a complaint regarding how XXXX has handled the reporting of a late payment on my credit account. I had been a responsible customer with XXXX, They had close my account unexpectedly for their personal reason. I spoke to customer service when I became unable because I had lost my job and had no where to live, I take my credit report very seriously and I dont have a history of late payments. I was mis-inform that I can do a pay and delete with XXXX, and that was not true, I promptly addressed the issue once I became aware of it. 
Unfortunately, XXXX has reported this late payment to the credit bureaus, which is negatively impacting my credit score. I reached out to XXXX to request a goodwill adjustment or to explain the circumstances, but my efforts have not led to a resolution. 
I believe this reporting is unfair and does not reflect my overall credit history and prompt payment behavior. I respectfully request that the CFPB investigate this matter and help facilitate a fair resolution. 
Enclosed are copies of relevant documents, including my account statement, payment confirmation, and any correspondence with XXXX. 
Thank you for your time and assistance. 
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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX  - XXXXXXXX XXXX XXXX  Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm.

These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
There have been multiple unauthorized inquiries on my credit report, which have directly damaged both my credit and credit score. I previously contacted your agency regarding this issue and was assured by a representative that these inquiries would be removed. That promise remains unfulfilled these unauthorized entries are still present.

This failure to take corrective action is unacceptable. The presence of these potentially fraudulent inquiries raises serious concerns about identity theft and continues to cause me emotional and financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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:
I am urgently requesting your help in removing a dismissed bankruptcy ( Reference # : XXXX ) that is still appearing on my credit report, even though it was never finalized and should not be reported. The bankruptcy, a XXXX  XXXX filing from XX/XX/year>, was dismissed early in the processno debts were discharged, no repayment plan was confirmed, and no legal obligations were established. What is even more distressing is that I have been a victim of identity theft, which directly contributed to the initiation of this bankruptcy case without my full awareness or consent. As soon as I became aware of the situation, I took immediate legal action to have the petition dismissed and to stop the process before any damage could worsen. Despite this, the dismissed case continues to appear on my credit file, causing significant harm to my creditworthiness and peace of mind. I have reached out to the credit bureaus multiple times, but they have failed to take any action to correct this. I am now turning to the CFPB to request your assistance in ensuring that this inaccurate and damaging entry is permanently blocked and removed from my credit report, which protects consumers from the reporting of false or misleading information. I have attached all relevant documentation, including proof of identity theft and the court documents confirming the dismissal, to support my request. I sincerely ask for your urgent intervention to help resolve this unfair and ongoing situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: FL

Complaint narrative:
I am urgently requesting your help in removing a dismissed bankruptcy ( Reference # : XXXX ) that is still appearing on my credit report, even though it was never finalized and should not be reported. The bankruptcy, a XXXX  XXXX filing from XX/XX/year>, was dismissed early in the processno debts were discharged, no repayment plan was confirmed, and no legal obligations were established. What is even more distressing is that I have been a victim of identity theft, which directly contributed to the initiation of this bankruptcy case without my full awareness or consent. As soon as I became aware of the situation, I took immediate legal action to have the petition dismissed and to stop the process before any damage could worsen. Despite this, the dismissed case continues to appear on my credit file, causing significant harm to my creditworthiness and peace of mind. I have reached out to the credit bureaus multiple times, but they have failed to take any action to correct this. I am now turning to the CFPB to request your assistance in ensuring that this inaccurate and damaging entry is permanently blocked and removed from my credit report, which protects consumers from the reporting of false or misleading information. I have attached all relevant documentation, including proof of identity theft and the court documents confirming the dismissal, to support my request. I sincerely ask for your urgent intervention to help resolve this unfair and ongoing situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I mailed a certified letter XXXX XXXX along with receipts to each credit bureau showing I paid XXXX XXXX XXXX a settlement amount on a vehicle of {$1200.00} which made the balance {$6300.00}. They are posting different balances on all three credit bureaus. The letter states that they would notify each credit bureau and report the account as " Account Paid in Full for less the Full balance ''. The inaccuracies are highly affecting my credit and ability to obtain credit. Please send me an updated copy of my credit reports after your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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 concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief