vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: IL

Complaint narrative:
I am requesting the removal of several fraudulent accounts that been reported on my credit file. I am a victim of identity theft and the following items listed on credit report are not mine and were opened without my knowledge or authorization. 

FRAUDULENT ACCOUNTS : 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 In accordance with the Fair Credit Report Act, I am requesting that these fraudulent accounts be permanently removed from my credit file.

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 2025-07-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-07-16 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: NJ

Complaint narrative:
I am submitting this complaint because I am the victim of identity theft, and despite submitting three prior disputes to the credit bureau, including an FTC Identity Theft Report, police documentation, and a detailed written statement, the credit reporting agency has failed to delete the fraudulent and inaccurate information from my report as required by law. 

The FCRA ( XXXX ) clearly mandates that any data resulting from identity theft must be blocked within 4 business days once proper documentation is received. I have submitted everything requiredincluding proof of identity, my FTC report, and specific identification of fraudulent accountsand yet the same inaccurate and damaging information remains. 

To date, they have verified items without providing any original documentationno signed contracts, applications, or method of verification as required under FCRA XXXX ( a ) ( 6 ) ( B ) ( iii ). This is not only unacceptable but a willful violation of federal consumer protection law. 

Specifically, the following remain on my credit file despite repeated disputes : Two fraudulent accounts from XXXX XXXXXXXX XXXX An unauthorized account from XXXX XXXXXXXX Multiple inaccurate addresses and names At least two hard inquiries made during a time when a fraud alert was in place In addition to the FCRA violations, the accounts are inconsistent with Metro 2 formatting guidelines, displaying conflicting payment statuses and high balances across different bureaus. 

The continued presence of this false information is causing severe harm to my financial stability, creditworthiness, and peace of mind. I am urging the CFPB to intervene immediately and demand full deletion of the fraudulent and unverifiable entries, as required under FCRA XXXX ( 5 ). If the information can not be verified with original documentation, it must be removed. 

This is now my fourth formal dispute and my first escalation through the CFPB. I am requesting swift resolution and full compliance with federal law. A delay in response or continued inaction would demonstrate a pattern of willful noncompliance and disregard for my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. CXXXX XXXX ( 2 ) and XXXX U.S. CXXXX XXXXc-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. CXXXX XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-07-16 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: FL

Complaint narrative:
Please assist me in launching an investigation into these accounts, as they are reflecting incorrect information on my credit report. In accordance with USC XXXXg, I am submitting a formal request for their removal within 15 days. Ive enclosed the relevant documents for your consideration. It is also important to note that the account data is inconsistent and inaccurate across the different credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXXi ) requiring a proper reinvestigation of disputed items, and XXXXe ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. CXXXX  XXXXe ) for deceptive and misleading 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 2025-07-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
Account XXXX XXXX XXXX  XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account XXXX  XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: PR

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. CXXXX XXXXb ( 2 ) and XXXX U.S. CXXXX XXXXc-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX U.S. CXXXX XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: ALLIANT CREDIT UNION
State: OH

Complaint narrative:
I am filing this complaint regarding an auto loan with Alliant Credit Union that resulted in vehicle repossession. Ive made multiple attempts to resolve the matter in good faith, but the credit union has refused to provide basic information or options for assistance. 

Specifically : I requested documentation supporting the repossession fees, including a {$270.00} skip tracing fee and {$450.00} repo charge. Alliant refused to provide third-party invoices or evidence of actual costs. 
They are charging a {$370.00} redemption fee with no legal basis or breakdown of what this includes. 
They will not accept partial payments or offer any hardship accommodation, despite my financial situation and willingness to pay what I can. 
I asked for details about retrieving my personal belongings from the repossessed vehicle, and Alliant has not provided any instructions or contact information. 
They have not confirmed the date or location of the vehicle auction, which is required under the UCC. 
Alliant staff gave inconsistent and confusing information by phone, and none of my requests for documentation or fee explanation were followed up in writing, even after I emailed. 
I have made multiple documented attempts to resolve this respectfully and reasonably. At this point, I am concerned that Alliants conduct may violate consumer protection standards and federal laws around disclosure and transparency in auto loan servicing. 

Im requesting the CFPBs help in : Securing documentation of the fees and sale ; Recovering my personal property ; Confirming the timeline and legal process ; Preventing unreasonable or unsupported charges from being enforced against me. 
Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am currently reviewing my TransUnion Credit report and there is an address reporting on my credit report that is not mine. 
Below is the address that I would like to have permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: Aldous & Associates, PLLC
State: MO

Complaint narrative:
On XX/XX/XXXX, i sent a letter to Aldous Associates Pl, a XXXX XXXX, requesting them to send me verifying information, and they have not sent me any thing to show that the information they have on my credit report is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
Late payments were entered onto my credit which I had no knowledge about and balance showing is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: UPGRADE, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX - Account # XXXXXXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to file a formal complaint regarding inaccurate credit reporting on my account # XXXX XXXX XXXX XXXX XXXX  that continues to show as derogatory despite being paid and settled. 

ACCOUNT DETAILS : - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  - Account Type : Installment/Unsecured Loan - Original Amount : {$4000.00} - Date Opened : XX/XX/XXXX - Current Balance : {$0.00} ISSUE DESCRIPTION : Despite having paid and settled this account, it continues to appear on my credit reports across all three bureaus ( Experian, Equifax, TransUnion ) with a " Collection/Chargeoff '' status as of the most recent reporting dates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively ). 

SPECIFIC PROBLEMS : XXXX. The account shows {$0.00} balance, confirming payment/settlement XXXX. Despite XXXX balance, the account maintains " Derogatory '' status 3. Payment status incorrectly shows " Collection/Chargeoff '' instead of " Paid/Settled '' 4. This inaccurate reporting is negatively impacting my credit score and creditworthiness REQUESTED RESOLUTION : I request that the CFPB investigate this matter and ensure : 1. The account status is updated to reflect " Paid/Settled '' rather than " Collection/Chargeoff '' 2. The derogatory status is removed from all credit bureau reports 3. Any negative impact on my credit score is corrected 4. The creditor/debt buyer ( XXXX XXXX XXXX ) provides written confirmation of the settlement and status correction SUPPORTING EVIDENCE : I have attached the letter of debt paid as documentation showing the account was paid and settled, yet the credit reporting continues to show inaccurate derogatory information. 

This situation violates the Fair Credit Reporting Act ( FCRA ) as it involves inaccurate reporting of credit information that damages my creditworthiness. 

I respectfully request your immediate attention to this matter and look forward to a prompt resolution. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
Monterey Financial Services, LLC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount {$16000.00} Allegedly between XX/XX/25 the Company reported invalidated information to all 3 major bureaus, without attempting to confirm alleged debt, and causing damage to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: RI

Complaint narrative:
I am formally disputing of the accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that appears on my credit file on Experian Information Services, LLC. These accounts were reported without my express authorization and constitutes a violation of several federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulations. 

Additionally, I have filed a formal report with the Federal Trade Commission ( FTC ), which is currently under review and included in my documentation supporting this dispute. FTC Report 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 2025-07-17 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-07-16 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation