vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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: AR

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 id-entity 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 : Under 1681b, a consumer reporting agency may 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 15 U.S.C. 1681i ( a ) ( 1 ) ( 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.

15 U.S. Code 1681b 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. 


15 U.S. Code $ 1681c-2 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. 

15 U.S. Code 1681 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 explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: Westlake Services, LLC
State: NV

Complaint narrative:
XX/XX/XXXX, my friend went to XXXX XXXX in XXXX XXXX, NV alone and bought a XXXX XXXX XXXX before I ever arrived. The dealership rang the bell and handed him the car that day. Later, the salesman called me and said I only needed to come in as a co-signer so he could qualify. When I arrived, I was rushed through signatures and told it was just co-signing, but I was actually made the primary buyer on the loan. 

The salesman entered false employment information, stating I worked XXXX hours a week full-time even though I never said that. He also told me that my friend had insurance and that everything was covered, but they never mentioned my XXXX filing or verified that coverage existed. My friend later got a ticket for no registration and no insurance while driving the car. 

I later found serious discrepancies : The XXXX XXXX XXXX lists the car as white, but the actual vehicle is blue. 
Stock numbers differ across documents ( XXXX vs XXXX ). 
The salesperson listed on the contract is not the person I met. 
Title and registration were issued to my friend before the loan was finalized in my name, and I never received keys or possession. 
VIN records show the same car was previously damaged and sold at auctionnever disclosed to me. 
Odometer readings jumped from XXXX miles to over XXXX in a few months, suggesting possible odometer fraud. 
I was promised the loan would be refinanced into my friends name in XXXX months, which never occurred. 

XXXX XXXX confirmed Im the borrower and said the matter is under investigation. Ive also filed a Nevada XXXX complaint for dealer fraud and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

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 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

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 2025-11-01 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: MS

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update e records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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 following accounts do not belong to me : XXXX XXXX XX/XX/2024 {$1900.00} XXXX XXXX XXXX XX/XX/2024 {$3400.00} XXXX XXXX XXXX XX/XX/2024 {$1100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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 following accounts do not belong to me : XXXX XXXX XX/XX/2024 {$1900.00} XXXX XXXX XXXX XX/XX/2024 {$3400.00} XXXX XXXX XXXX XX/XX/2024 {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I solemnly affirm Under the risk of legal 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 emphasize that I have no knowledge of these activities and the matter is currently under investigation by the FTC Unauthorized Accounts. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding multiple accounts on my credit report that contain inaccurate, inconsistent, and unverifiable information. Despite my timely submission, I have not received any results or explanations from the credit bureau regarding these disputed items. The accounts in question include XXXX XXXX XXXX, account ending in XXXX with a reported balance of {$580.00} ; XXXX, account ending in XXXX with a reported balance of {$1900.00} ; XXXX  XXXX, account ending in XXXX with a reported balance of {$1300.00} and listed original creditor XXXX XXXX ; and XXXX XXXX XXXX, account ending in XXXX with a reported balance of {$590.00} and listed original creditor XXXX XXXX XXXX XXXXXXXX. The continued reporting of these accounts with inaccurate balances or unverifiable information constitutes a failure to comply with the reinvestigation requirements under FCRA 611.

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 2025-11-01 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX - Balance : {$8800.00} - Date Opened : XX/XX/XXXX XXXX XXXXXXXX # XXXX - Balance : {$460.00} - Date Opened : XX/XX/XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX # XXXX - Balance : {$1000.00} - Date Opened : 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 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing certain late payment entries on my credit report that I believe are incorrect. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my report must contain only accurate, complete, and verifiable information. I request that these entries be investigated, and if they can not be verified, corrected or 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 explanation
Consumer complaint received 2025-11-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint because my credit reports from Experian, Equifax, and TransUnion show multiple unauthorized and inaccurate hard inquiries that I never applied for or consented to. These inquiries include lenders, banks, and credit unions such as XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, and several others that appear repeatedly without any permissible purpose. These errors have harmed my credit score and do not accurately reflect my credit activity. Under the Fair Credit Reporting Act, I am exercising my rights under FCRA 611 ( 15 U.S.C. 1681i ) to dispute inaccurate information, 604 ( a ) to ensure all inquiries have a permissible purpose, and 605 to remove any outdated information. I am asking for a full investigation and deletion of any unauthorized or unverifiable inquiries from all three bureaus. I have never given written authorization or initiated credit applications with these institutions, and I request that the CFPB hold Experian, Equifax, and TransUnion accountable for maintaining accurate and verifiable reporting as required by FCRA 607 ( b ). My goal is to restore the accuracy of my credit report and ensure my consumer rights are protected from future violations.

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 2025-11-01 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint because Navy Federal Credit Union ( Account XXXX ) * is reporting a charge-off account on my credit report that is completely inaccurate and unverifiable. The account is shown as opened on XX/XX/year>, with a reported balance of {$3900.00}. I have never opened, maintained, or authorized any credit account, loan, or financial relationship with Navy Federal Credit Union. This account is not mine and has been reported in error.

The reporting of this account as a charge-off has severely damaged my credit reputation and lowered my credit score. This false information constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), which requires that all information furnished to consumer reporting agencies be accurate and complete, and 15 U.S.C. 1681s-2 ( b ), which mandates that furnishers of credit data verify and correct disputed information.

I have already disputed this account directly with the credit reporting agencies and requested verification of its legitimacy. Despite my dispute, the account remains on my file with no documentation or proof from Navy Federal Credit Union establishing that this debt exists or that I ever authorized it. This failure to verify the account violates FCRA 1681i ( a ), which requires a reasonable reinvestigation and deletion of any information that can not be verified within the statutory time period.

The continued presence of this unverified charge-off on my report has caused financial harm, emotional stress, and denial of credit opportunities. Navy Federal Credit Union has not produced any evidence to confirm that I owe this debt or that any account relationship was ever established. Reporting unverifiable information is unlawful and constitutes negligent or willful noncompliance with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: CA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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 non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
I made a purchase of a motorcycle through a XXXX listing, but I did not receive the product or a refund. I later realized that it was posted from a fake account. I contacted this phone number, XXXX, which is registered in XXXX XXXX XXXX, but the transaction supposedly took place in Virginia. 

swindler Zelle : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: CA

Complaint narrative:
I am submitting this complaint because there are multiple inaccurate items reporting on my consumer credit files, including unauthorized inquiries and unverified accounts. 

I have contacted the credit bureaus directly in writing and disputed these items. I clearly stated that several inquiries were not authorized by me, and requested verification of the permissible purpose under 15 USC 1681b. The credit bureaus did not provide proof, verification, or documentation showing that I granted permission for these companies to access my credit report. 

There are also accounts reporting that can not be verified and no signed contract or original documentation has been produced to validate them. 

I requested that the bureaus reinvestigate these items pursuant to 15 USC 1681i. They either failed to reinvestigate properly, or continued to report these items without providing supporting documentation or proof of verification. This has caused harm to my credit profile and financial standing. 

I am requesting CFPB intervention so that the bureaus and/or furnishers are required to : Provide verification and documentation proving the accounts and inquiries are valid OR Permanently delete all unverifiable and unauthorized items I have provided written disputes to the bureaus, and affidavits and they failed to correct or verify the information. 

I want all inaccurate / unverified accounts and unauthorized inquiries removed permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: CA

Complaint narrative:
I am submitting this complaint because there are multiple inaccurate items reporting on my consumer credit files, including unauthorized inquiries and unverified accounts. 

I have contacted the credit bureaus directly in writing and disputed these items. I clearly stated that several inquiries were not authorized by me, and requested verification of the permissible purpose under 15 USC 1681b. The credit bureaus did not provide proof, verification, or documentation showing that I granted permission for these companies to access my credit report. 

There are also accounts reporting that can not be verified and no signed contract or original documentation has been produced to validate them. 

I requested that the bureaus reinvestigate these items pursuant to 15 USC 1681i. They either failed to reinvestigate properly, or continued to report these items without providing supporting documentation or proof of verification. This has caused harm to my credit profile and financial standing. 

I am requesting CFPB intervention so that the bureaus and/or furnishers are required to : Provide verification and documentation proving the accounts and inquiries are valid OR Permanently delete all unverifiable and unauthorized items I have provided written disputes to the bureaus, and affidavits and they failed to correct or verify the information. 

I want all inaccurate / unverified accounts and unauthorized inquiries removed permanently

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 2025-11-01 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: AR

Complaint narrative:
I am writing to formally request a reinvestigation of certain items listed on my credit report, as I believe that they may be inaccurate, incomplete, or unverifiable. I am concerned that these entries do not accurately reflect my credit history and may be negatively affecting my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request that all information reported about me be thoroughly verified. If any item can not be substantiated or verified, it must be removed from my report. I am therefore requesting a detailed review and reinvestigation of these disputed entries to ensure the accuracy and integrity of my credit report. 
XXXX XXXX * * Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-01 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: AR

Complaint narrative:
I am writing to formally request a reinvestigation of certain items listed on my credit report, as I believe that they may be inaccurate, incomplete, or unverifiable. I am concerned that these entries do not accurately reflect my credit history and may be negatively affecting my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request that all information reported about me be thoroughly verified. If any item can not be substantiated or verified, it must be removed from my report. I am therefore requesting a detailed review and reinvestigation of these disputed entries to ensure the accuracy and integrity of my credit report. 
XXXX XXXX * * Balance : {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief