vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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:
The address on my credit report are incorrect and needs to be removed : 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

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 2025-08-12 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 address on my credit report are incorrect and needs to be removed : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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 am the victim of identity theft. XXXX fraudulent XXXX XXXX accounts were opened in my name without my consent. I provided XXXX XXXX and all three credit bureaus with my FTC Identity Theft Report, police report, proof of my identity, and proof that these accounts are connected to the same theft. 

XXXX XXXX agreed that XXXX of these accounts were fraudulent and had them removed from my credit reports. However, they are refusing to acknowledge the other XXXX accounts are also fraudulent, even though they were opened during the same theft event and are listed in my official reports. 

TransUnion and Equifax reviewed my documentation and permanently deleted these XXXX accounts. Experian has removed these same accounts multiple times after my disputes but keeps allowing XXXX XXXX to re-report them. 

The problem : Experians repeated reinsertion of these fraudulent accounts violates : FCRA 605B Requires blocking fraudulent information within 4 business days upon receiving proof of identity theft.

FCRA 611 ( a ) ( 5 ) ( B ) Prohibits reinserting deleted information without written notice and the source of the information.

FCRA 623 ( a ) ( 6 ) Prohibits furnishers from reporting information they know is the result of identity theft.

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 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX of XXXX about a year later XXXX XXXX XXXX went bankrupt closed and sold the debt to Westlake Financial I had a car from Westlake Financial roughly XXXX  years ago that I let go do to many problems with the vehicle after purchase of that vehicle voluntary repo then afterwards I get the XXXX XXXX XXXX Westlake Financial is still holding that car over my head and it's more than XXXX XXXX XXXX past due to remove off credit report still trying to make me pay on top of that the XXXX XXXX XXXX I have paid a total of {$25000.00} according to bake statements and they will not hand over the title the original agreement amount was {$21000.00} that I signed with us Auto Sales I did not sign an agreement with Westlake Financial for the XXXX XXXX XXXX they still have it listed that I owe {$13000.00} left on the car and I've paid well over the amount that was owed on the car and they refused to relinquish the title and are still making me pay and for the other core that I had that got repoed they still Badger me about that vehicle even though it's charged off still on my credit report after 8 years and they tell me that they can keep it on there as long as they want I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information on my credit report as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-08-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Based on an email from Capital One Bank, I called in and inquired about the following statement in their email to me, " theres an increased risk that the deposit may return based on confidential information that indicates the check may not be paid. '' When I asked customer service who or what bank is saying that my cashier 's check isn't going to deposit, and may return, both the customer service representative and a man informing me he was a XXXX said that the emailed statement was false and incorrect ; however, since customer service over the phone has lied to me in a past interaction, I feel the need to have this addressed here. Because I would like to know if someone or some bank said my money isn't good and won't clear for some reason. It also isn't acceptable to make false statements to consumers in emails and/or over the phone. 

I have spent a lot of time following up on this, and as of this complaint, my cashier 's check still HAS NOT CLEARED, and {$3200.00} hasn't transferred from my checking account to my savings account where it is my intent to earn interest off my Capital One Savings Account. 

Capital One, please respond and address your statements made to me. 

Thank you in advance for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have noticed that an incorrect public record/bankruptcy remains listed on my credit report and has yet to be removed. Accordingly, I respectfully request that the attached supporting documentation be reviewed in detail to ensure this matter is fully resolved, granting me the assurance and peace of mind I seek.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: OH

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


XXXX XXXX XXXX XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX XXXX XXXX  XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: OH

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


XXXX XXXX XXXX XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

XXXX XXXX XXXX  XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-12 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 a victim of identity theft. The below listed accounts do not belong to me. I did not apply for or use these accounts. I need them removed from my credit profile. 

XXXX XXXX XXXX XXXX  Acct XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$620.00} XXXX XXXX XXXX Acct XXXX XXXX Date Open : XX/XX/XXXX Amount : {$200.00} XXXX  XXXX Acct XXXX  XXXX Date Open : XX/XX/XXXX Amount : {$540.00} XXXX  XXXX Acct XXXX XXXXXXXX Date Open : XX/XX/XXXX Amount : {$500.00} XXXX XXXX XXXX Acct XXXX XXXX Date Open : XX/XX/XXXX Amount : {$16000.00} XXXX XXXX  Acct XXXX XXXXXXXX Date OpenXXXX Amount : {$510.00} XXXX  XXXX XXXX  XXXX  Acct XXXX  XXXX Date Open XXXX XX/XX/XXXX Amount : {$1200.00} XXXX XXXX  Acct XXXX  XXXX Date Open : XX/XX/XXXX Amount : {$1200.00} XXXX Acct XXXX XXXXXXXX Date Open : XX/XX/XXXX Amount : {$10000.00} XXXX XXXX XXXXXXXX Acct XXXX  XXXX Date Open XXXX XX/XX/XXXX Amount : {$1600.00}

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 explanation
Consumer complaint received 2025-08-12 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 am a victim of identity theft. The below listed accounts do not belong to me. I did not apply for or use these accounts. I need them removed from my credit profile. 

XXXX XXXX XXXX XXXX  Acct XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$620.00} XXXX XXXX XXXX Acct XXXX XXXX Date Open : XX/XX/XXXX Amount : {$200.00} XXXX  XXXX Acct XXXX  XXXX Date Open : XX/XX/XXXX Amount : {$540.00} XXXX  XXXX Acct XXXX XXXXXXXX Date Open : XX/XX/XXXX Amount : {$500.00} XXXX XXXX XXXX Acct XXXX XXXX Date Open : XX/XX/XXXX Amount : {$16000.00} XXXX XXXX  Acct XXXX XXXXXXXX Date OpenXXXX Amount : {$510.00} XXXX  XXXX XXXX  XXXX  Acct XXXX  XXXX Date Open XXXX XX/XX/XXXX Amount : {$1200.00} XXXX XXXX  Acct XXXX  XXXX Date Open : XX/XX/XXXX Amount : {$1200.00} XXXX Acct XXXX XXXXXXXX Date Open : XX/XX/XXXX Amount : {$10000.00} XXXX XXXX XXXXXXXX Acct XXXX  XXXX Date Open XXXX XX/XX/XXXX Amount : {$1600.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report includes a repossession record that I believe is either inaccurate or can not be verified. Pursuant to 15 U.S. Code 1681e ( b ) and 1681i ( a ) ( 5 ), I am entitled to a credit report that is entirely accurate. I am requesting a thorough review of this entry, and if it can not be fully substantiated, I respectfully request its removal from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-12 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: Early Warning Services, LLC
State: TN

Complaint narrative:
Subject : Formal Dispute of Inaccurate Reporting Ref. FCRA Section 611 To Whom It May Concern : I recently obtained a copy of my consumer report from XXXX and Early Warning and found an entries listed under my name that I believe to be inaccurate and damaging. The report alleges fraud or check abuse regarding a closed bank account, which I am formally disputing under my rights granted by the Fair Credit Reporting Act ( FCRA ). 
Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that this entry is either : Incorrect and due to misidentification A result of identity theft Resolved but not updated by the bank Misreported without my knowledge In accordance with the FCRA XXXX I request : 1. An immediate reinvestigation of this disputed entry 2. A copy of the documents used to verify the claim 3. Written confirmation of any correction or deletion Per 15 U.S.C. 1681i, I am requesting reinvestigation and deletion if this can not be verified in accordance with FCRA requirements.

And or If this entry was due to identity theft, it is illegal under FCRA 605B to continue reporting it after a valid identity theft report has been submitted. 
And or The continued reporting of inaccurate or unverifiable information will be considered willful noncompliance, subject to damages under FCRA 616. 
Also Failure to properly investigate and correct this matter will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and possible legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
Subject : Formal Dispute of Inaccurate Reporting Ref. FCRA Section 611 To Whom It May Concern : I recently obtained a copy of my consumer report from ChexSystems and XXXX XXXX  and found an entries listed under my name that I believe to be inaccurate and damaging. The report alleges fraud or check abuse regarding a closed bank account, which I am formally disputing under my rights granted by the Fair Credit Reporting Act ( FCRA ). 
Accounts with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that this entry is either : Incorrect and due to misidentification A result of identity theft Resolved but not updated by the bank Misreported without my knowledge In accordance with the FCRA , I request : 1. An immediate reinvestigation of this disputed entry 2. A copy of the documents used to verify the claim 3. Written confirmation of any correction or deletion Per 15 U.S.C. 1681i, I am requesting reinvestigation and deletion if this can not be verified in accordance with FCRA requirements.

And or If this entry was due to identity theft, it is illegal under FCRA 605B to continue reporting it after a valid identity theft report has been submitted.

And or The continued reporting of inaccurate or unverifiable information will be considered willful noncompliance, subject to damages under FCRA 616. 
Also Failure to properly investigate and correct this matter will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and possible legal action.

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 2025-08-12 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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