vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am submitting this formal statement as part of my complaint regarding the continued and inaccurate reporting of a bankruptcy on my credit report by the credit bureaus ( Experian, Equifax, and/or TransUnion ) XXXX Despite sending multiple dispute letters, the credit bureaus continue to state that the bankruptcy was verified through XXXX. However, XXXX has provided me with a written statement confirming that they have no documents or records of any bankruptcy associated with my name. 
Additionally, I have obtained a letter directly from the courthouse confirming that no bankruptcy case exists under my name or Social Security number. Both of these documents were submitted to the credit bureaus as part of my formal disputes. 
Despite this clear evidence, the credit bureaus have refused to remove the inaccurate and unverified bankruptcy from my credit report. This failure to act is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. 
I have requested the following : 1. 1. Immediate removal of the inaccurately reported bankruptcy from all credit bureau records.

2. 2. Written confirmation of the removal.

3. 3. Disclosure of the exact method and source of verification used, as required under FCRA Section 611 ( a ) ( 7 ). 

If this matter is not resolved promptly, I will continue to pursue formal complaints through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other legal avenues.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am submitting this formal statement as part of my complaint regarding the continued and inaccurate reporting of a bankruptcy on my credit report by the credit bureaus ( Experian, Equifax, and/or TransUnion ) XXXX Despite sending multiple dispute letters, the credit bureaus continue to state that the bankruptcy was verified through XXXX. However, XXXX has provided me with a written statement confirming that they have no documents or records of any bankruptcy associated with my name. 
Additionally, I have obtained a letter directly from the courthouse confirming that no bankruptcy case exists under my name or Social Security number. Both of these documents were submitted to the credit bureaus as part of my formal disputes. 
Despite this clear evidence, the credit bureaus have refused to remove the inaccurate and unverified bankruptcy from my credit report. This failure to act is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. 
I have requested the following : 1. 1. Immediate removal of the inaccurately reported bankruptcy from all credit bureau records.

2. 2. Written confirmation of the removal.

3. 3. Disclosure of the exact method and source of verification used, as required under FCRA Section 611 ( a ) ( 7 ). 

If this matter is not resolved promptly, I will continue to pursue formal complaints through the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and other legal avenues.

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 2025-06-06 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: TX

Complaint narrative:
The creditor has incorrectly marked my account as delinquent. I paid on time and have all supporting documentation. This is unjust and I kindly request the entry be reviewed and deleted.

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 2025-06-06 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: OR

Complaint narrative:
I noticed a credit inquiry from a company that Ive never interacted with and certainly did not give permission to access my credit report. I have no relationship with this company and did not authorize this inquiry in any way.

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 2025-06-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
XXXX XXXX - Attempted to transfer all funds from Marcus by Goldman Sachs account to close out account. 
XXXX XXXX Received email notice from Marcus by Goldman Sachs about account restriction. Notified to call customer service immediately. 
XXXX XXXX Received notification from my parents, whose contact information is not on my account or tied to any information from my account, that they were contacted via landline about an issue with my account. 
XXXX XXXX EST  Contacted Marcus by Goldman Sachs customer service line , was transferred to internal team for " identity verification '' which was done by generating a questionnaire from public records. I was requested information about individuals who have no relation to me, who simply shared the same last name, and I was unable to answer any of the questions and identity verification failed. They proceeded to transfer me to their supervising team when I asked why I can not verify my identity with information such as SSN, DOB, or other personally-identifiable information. They were not able to clearly answer my question. I additionally asked why my parents ' landline was contacted, noting that this was a huge security breach considering their information is not a part of my account, and they were not able to answer this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Ive been a victim of identity theft which occur directly result from data breach in which my personal information has been compromise. this incident has had a devastating impact on many areas of my life, including financial stability, employment opportunities, and, access to housing. The issue came to my attention when I received a notice in the mail informing me that my personal data had been exposed in a recent data breach. The letter explained that sensitive personal informationincluding but not limited to my name, Social Security number, and possibly other identifying detailshad been accessed by unauthorized parties. Although the letter was vague about the extent of the breach, it was clear that my data had been compromised. Upon receiving this notification, I took immediate steps to protect myself. Out of a deep sense of concern and urgency, I obtained copies of my credit reports from all three major credit bureausXXXX XXXX XXXX XXXX To my great shock and dismay, I discovered that several accounts had been fraudulently opened in my name. In addition, I noticed multiple credit inquiries that I did not recognize, all made without my knowledge or authorization. These unauthorized accounts were clearly the result of identity theft. I want to be clear : I did not apply for these credit cards, loans, or services. I have no relationship with the creditors listed, and I did not consent to any inquiries into my credit. These accounts were opened by individuals using my stolen personal information, and I had no involvement whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: Self Financial Inc.
State: NY

Complaint narrative:
Ive been a victim of identity theft which occur directly result from data breach in which my personal information has been compromise. this incident has had a devastating impact on many areas of my life, including financial stability, employment opportunities, and, access to housing. The issue came to my attention when I received a notice in the mail informing me that my personal data had been exposed in a recent data breach. The letter explained that sensitive personal informationincluding but not limited to my name, Social Security number, and possibly other identifying detailshad been accessed by unauthorized parties. Although the letter was vague about the extent of the breach, it was clear that my data had been compromised. Upon receiving this notification, I took immediate steps to protect myself. Out of a deep sense of concern and urgency, I obtained copies of my credit reports from all three major credit bureausXXXX XXXX XXXX XXXX  To my great shock and dismay, I discovered that several accounts had been fraudulently opened in my name. In addition, I noticed multiple credit inquiries that I did not recognize, all made without my knowledge or authorization. These unauthorized accounts were clearly the result of identity theft. I want to be clear : I did not apply for these credit cards, loans, or services. I have no relationship with the creditors listed, and I did not consent to any inquiries into my credit. These accounts were opened by individuals using my stolen personal information, and I had no involvement whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
I am suffering harm due to a fraudulent account listed on my credit report. I did not authorize this account and only discovered it after noticing adverse impacts to 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 non-monetary relief
Consumer complaint received 2025-06-06 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: TX

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am writing to refile my complaint to BANK OF AMERICA regarding the unresolved fraudulent account still appearing on my credit report. Despite multiple dispute letters and the attached FTC Identity Theft Report ( Report Number : XXXX ), these inaccuracies remain uncorrected. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation and correct inaccurate or incomplete information within 30 days of receiving a dispute. To date, this obligation has not been fulfilled, and your inaction continues to harm my reputation and financial standing. I request the immediate removal of the fraudulent account listed in my prior disputes, as they violate my rights under the FCRA. Additionally, I ask that you provide a detailed explanation if you determine the items are accurate. Please note that failure to resolve this matter will compel me to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies. Thank you for your urgent attention to this issue.

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 2025-06-06 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 following up on my previously submitted dispute regarding inaccurate and unverifiable accounts on my credit report, which remain unresolved. Despite my prior request for reinvestigation, I have yet to receive a satisfactory response. Therefore, I am once again requesting the source of this information and the specific methods used to verify its accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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:
I am writing to formally dispute the presence of an account on my credit report that I did not open or authorize. This account reflects fraudulent use of my personal information and was opened without my knowledge or consent.

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 2025-06-06 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report. I noticed that I have fraudulent accounts on my report. Please remove these accounts from my credit report, as they are hurting my ability to obtain credit.

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

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion 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 non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: AK

Complaint narrative:
Since XX/XX/year>, my co-signer has had full possession of the vehicle tied to my Westlake Financial loan. I have not driven or had access to the car in over a year. Despite this, Ive continued to receive statements showing past-due balancesmost recently {$1200.00} including this month and prior dues. 

Ive contacted Westlake over 10 times requesting voluntary repossession. I informed them there is no valid insurance on file because the car hasnt been in my possession, yet theyve continued to deny repossession and told me to contact the co-signer, who has blocked me. Ive also reported that there was already an active repossession attempt and that Im the only one answering calls or emails on the account. 

Westlake has insisted I continue paying the loan while the co-signer uses the vehicle. I explained I am already paying two other loans the co-signer abandoned. Their refusal to assist has severely impacted my credit, putting my ability to secure XXXX XXXX loans at risk. I have no transportation, no recourse to recover the vehicle, and no way to separate myself from the co-signers delinquent behavior. I need help resolving this to protect my financial future.

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

Complaint narrative:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand 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 Please delete and block the following accounts from my credit report Accounts BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} BANKRUPTCY - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery Associates LLC Amount {$3900.00} I did not receive the " Forward Flow Agreement ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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 RECENTLY DISCOVERED A FRAUDULENT BANKRUPTCY IN MY EXPERIAN CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. SOMEONE USDED MY PERSONAL INFORMATION AND FILED FRAUDULENT BANKRUPTCY UNDER MY NAME AND DAMAGED MY CREDIT HISTORY. I DID NOT AUTHORIZE ANYONE TO FILE ANY BANKRUPTCY UNDER MY NAME. PLEASE HELP ME TO RESOLVE THIS PROBLEM AND REMOVE THE FRAUDULENT BANKRUPTCY FROM MY EXPERIAN CREDIT REPORT. THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ) SECTION 600 ( B ). EXPERIAN CREDIT REPORTING AGENCY REFUSE TO DELETE FRAUDULENT PUBLIC RECORDS ( XXXX XXXX BANKRUPTCY ) FROM MY CREDIT REPORT.

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 2025-06-06 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report. I noticed that I have fraudulent accounts on my report. Please remove these accounts from my credit report, as they are hurting my ability to obtain credit.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a victim of Identity theft. My personal information was compromised by a data breach at the U. S. Dept of Justice, U. S. Marshals Service, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Credit Bureau, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. And my personal information has been found on the Dark Web. I have several unauthorized accounts that do not belong to me as well as unauthorized credit inquiries .Experian received my dispute on XX/XX/year>XXXX According to the Consumer Financial Protection Bureau and the Fair Credit Reporting Act. The Credit Bureaus must stop reporting the alledged identity theft items in four business days. This has not happen.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief