vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Equifax Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and\ninformation related to my identity under the Fair Credit Reporting Act (FCRA),\nspecifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Equifax data breach, and unauthorized accounts have been fraudulently opened in \nmy name.\nThe fraudulent account that I have identified on my credit report are as follows:\n1. XXXX XXXX XXXX XXXXI request that Equifax promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please\ncontact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in\nensuring my credit report remains accurate and free from fraudulent activity.XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: UT

Complaint narrative:
I solemnly affirm Under the risk of egal consequences that i am making an allegation against an individual or a company. According to this claim they utilized my social security number and card along with other personal identifying information without my consent to apply for goods services or succeeded in creating several accounts through this unauthorized action. I want to emphasized that i have no knowledge of these activities and the matter is currently under investigation by the FTC Unauthorized ActionXXXX XXXX XXXXXX/XX/year>

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 2025-07-23 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: Westlake Services, LLC
State: MD

Complaint narrative:
Westlake Fin on XX/XX/year> I've asked for my loan to be removed because it's been over 7 years and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: Upstart Holdings, Inc.
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: PA

Complaint narrative:
I'm disappointed to see a late payment listedplease review my account and correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has the name " XXXX XXXX XXXX '' attached to my SS #. SINCE XXXX!, I have requested REPEATEDLY that the company delete this incorrect information associated with my SS # and it still has not done so. 
Further, I filed a complaint about this with the CFPB a few years ago and I was assured that this deletion had finally been done. 
However, once again, in requesting my credit report from Equifax, I have once again received a report with the name " XXXX XXXX XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
XXXX XXXX XXXX account # XXXX is opened fraudulent In accordance with the Fair Credit Reporting act has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.s.C 1681 section 602A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AUTOMOTIVE CREDIT CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a fraudulent collection account that appears on my credit report. The account was opened without my authorization or consent and is the direct result of identity theft.

I am requesting an immediate block and removal of the account from all consumer reporting agencies in accordance with the Fair Credit Reporting Act ( FCRA ), Section 605B ( 1681c2 ), which mandates that such information must be blocked upon proper notice and documentation.

Details of the Disputed Account : Name : XXXX XXXX XXXX Date of Birth : XX/XX/year>XXXX  Current Address : homeless Credit Bureau ( s ) : [ XXXX XXXX XXXX list applicable ] Creditor/Collection Agency XXXX XXXX XXXX XXXXXXXX Account NumberXXXX XXXX  Date XXXXXXXX  This account is fraudulent, unauthorized, and must be blocked under federal law. As required by FCRA 605B, I am providing the necessary documents to substantiate my claim. Please cease reporting this account immediately and send written confirmation of its removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CT

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 explanation
Consumer complaint received 2025-07-23 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX Date : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( formerly XXXX XXXX ) Attn : Fraud Department / Compliance Team XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Subject : Cease and Desist Fraudulent Account Opened in My Name ( Identity Theft ) To Whom It May Concern, I am writing to notify you that an account with XXXX XXXX XXXX XXXX was fraudulently opened in my name without my authorization. I am a victim of identity theft, and I demand that you immediately cease and desist all collection activities and communications related to this fraudulent account. 

Account Number XXXX Date of Birth : XXXX XXXX  In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : 1. Immediately cease all communication with me regarding this fraudulent account ; 2. Remove and block this account from any and all credit reporting agencies ; 3. Provide written confirmation that the account has been closed and will not be pursued ; 4. If you have reported this account to any credit bureau, you must notify them to delete the account under Section 605B of the FCRA. 

I am including the following documentation to support my claim of identity theft : A copy of my government-issued photo ID ( e.g., drivers license ) A copy of the FTC Identity Theft Report filed at https : //identitytheft.gov A police report filed with [ Insert Police Department if available ] Failure to comply with this request may result in further legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) , Federal Trade Commission ( FTC ) , and my state Attorney General. 

Please send a written confirmation of the closure of this fraudulent account within 15 days of receipt of this letter. 

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 2025-07-23 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 formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXXXXXX  I requested verification and validation by permissible purpose letter initiating the inquiry. 

Confirmation # XXXX of request was given. 
I was told 7-10 days for a response. 

I received the response on XX/XX/XXXX stating that consumer reporting was asked to update the XX/XX/XXXX inquiry to a soft inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: TX

Complaint narrative:
I submitted formal disputes to all three credit reporting agencies TransUnion, Experian, and Equifax regarding inaccurate and unverifiable information on my credit report. I included supporting documentation and clearly identified the accounts in question. 

According to the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681i, the credit bureaus are required to investigate and resolve disputes within 30 days. However, despite allowing more than 30 days to pass, the inaccurate items were not corrected or removed. This is a direct violation of my rights under federal law.

The credit reporting agencies have failed to provide evidence of verification and continue to report information that is outdated, incorrect, and harmful to my credit standing. 

I am requesting that the CFPB intervene and ensure the following : A proper reinvestigation is conducted. 
All unverifiable or inaccurate information is removed immediately. 
The credit bureaus comply with their legal obligations under the FCRA. 
Attached are copies of the disputes I sent and supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
Im not aware of such inquiries, therefore this one appears to be illegal and a fraud. As soon as possible, please fix this problem. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
Hi! I have worked in XXXX XXXX XXXX XXXX XXXX and due to the SAVE forbearance, my forgiveness was placed on hold. I have certified 120 month of employment and also submitted a buyback request to purchase the last 3 months for PLSF forgiveness. The date of the submission was on XX/XX/24. 
It has been 11 months with no word on the status of my student loan. I have been told by FSA to submit another request and also told that I have a buyback request pending and I need to exhaust more time.

I have submitted multiple complaints and receive generic answers and no word on when my buyback will be processed so I can receive the forgiveness I have earned.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-23 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: Self Financial Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX Date : XXXX XXXX Self Financial, Inc. ( formerly Self Lender ) Attn : Fraud Department / Compliance Team XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Subject : Cease and Desist Fraudulent Account Opened in My Name ( Identity Theft ) To Whom It May Concern, I am writing to notify you that an account with Self Financial , Inc. was fraudulently opened in my name without my authorization. I am a victim of identity theft, and I demand that you immediately cease and desist all collection activities and communications related to this fraudulent account. 

Account Number XXXX Date of Birth : XXXX XXXX  In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : 1. Immediately cease all communication with me regarding this fraudulent account ; 2. Remove and block this account from any and all credit reporting agencies ; 3. Provide written confirmation that the account has been closed and will not be pursued ; 4. If you have reported this account to any credit bureau, you must notify them to delete the account under Section 605B of the FCRA. 

I am including the following documentation to support my claim of identity theft : A copy of my government-issued photo ID ( e.g., drivers license ) A copy of the FTC Identity Theft Report filed at https : //identitytheft.gov A police report filed with [ Insert Police Department if available ] Failure to comply with this request may result in further legal action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) , Federal Trade Commission ( FTC ) , and my state Attorney General.

Please send a written confirmation of the closure of this fraudulent account within 15 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: PA

Complaint narrative:
XX/XX/year> ACCOUNT XXXX  ITS NOT REMOVING LATE PAYMENT.THEY GIVING ME HARD TIME AFFECTING IN EXPERIAN NOT REMOVING LATE PAYMENT.

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 2025-07-23 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: MD

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 explanation
Consumer complaint received 2025-07-23 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: NJ

Complaint narrative:
have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any suchdebt, in fact exists. I have copies of the certified letters and dates prepared to bring to Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simplycontacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: NJ

Complaint narrative:
have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any suchdebt, in fact exists. I have copies of the certified letters and dates prepared to bring to Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simplycontacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization

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