vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: MD

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-30 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: OK

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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 2025-05-30 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: AZ

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-30 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: AZ

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-30 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: AZ

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-05-30 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My wife and I owned a house that was completely flooded by XXXX XXXX. Over the course of XXXX months, we filed and settled a claim with our flood insurance provider for approximately {$190000.00}. The money from that claim was sent to XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  and put into an escrow account for repairs of the house. Before any repairs were initiated, we sold our house " as is '' and used the proceeds from the sale to pay off the remaining balance of the mortgage. Within XXXX weeks of that sale, I called XXXX XXXX XXXX XXXX XXXX  to inquire as to when they would pay us the balance of that escrow account. I was told they had already sent a check to that end. Upon inquiry, however, I discovered that they had an incorrect mailing address on file. I was told that they would void the initial check ( sent to an incorrect address ) and issue a new check mailed to the correct address, which I should expect within XXXX days. After not receiving a check in that time, I called XXXX XXXX XXXX XXXX XXXX  again. This time, I was told that no check had ever been sent and that it would take several more weeks to receive XXXX. I asked instead to have the money wired to me, provided the required information for them to do so, and was told that would be done within XXXX business days. After not receiving the money in that time, my wife called XXXX XXXX XXXX XXXX XXXX again. She was told that customer service did not have the ability to wire funding and they were unclear why the previous rep told us they would do so. She was told that the XXXX XXXX XXXX  was responsible for the payout and that they would send us a check via expedited mail in XXXX days. In the wake of that call, my wife sent ( via email and certified mail ) a Qualified Written Request in accordance with the Real Estate Settlement Procedures Act formally requesting timely resolution and repayment. She has not received a response from Shellpoint to that letter. After not receiving an expedited check as promised, I called the XXXX XXXX XXXX  and was told that paying out our escrow account was the responsibility of the XXXX XXXX XXXX We are now XXXX weeks past the payoff of our mortgage -- well past the legally required timeframe for Shellpoint to have paid out our escrow account -- and no one at Shellpoint can tell us how or when they will do so. Meanwhile, the company continues to collect interest on the sizable amount of money that they are refusing to pay out. The degree of incompetence and malice at this company is astounding.

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 2025-05-30 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: MI

Complaint narrative:
I am filing this complaint because Equifax, Experian, and TransUnion are reporting multiple fraudulent accounts and unauthorized personal information on my credit file, despite being notified of identity theft and provided with all required documentation under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). 

The following accounts were fraudulently opened using my identity and must be immediately deleted : XXXX XXXX XXXX Account # XXXX for {$11000.00} The XXXX XXXX XXXX  Account # XXXX for {$100.00} XXXX XXXX Account # XXXX for {$110.00} Additionally, unauthorized personal names and addresses were added to my file, including : XXXX XXXX and XXXX XXXX ( incorrect name variations ) Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX Supporting Documents Attached : Police report filed with XXXX Police Department Report # XXXX Notarized Limited Power of Attorney Drivers license, utility bill, and social security card Highlighted credit report entries for the disputed items Legal Grounds for Immediate Deletion : FCRA 1681c-2 : Requires CRAs to block identity theft-related information upon receipt of police report and identity affidavit.

FCRA 1681i : Mandates reasonable reinvestigation within 30 days.

FCRA 1681e ( b ) : Prohibits reporting inaccurate or outdated information.

FCRA 1681s-2 : Furnishers must not report inaccurate information they know or should know is false.

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 2025-05-30 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: IL

Complaint narrative:
There are fraudulent unauthorized credit inquiries on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint against TransUnion for continuing to report multiple negative accounts on my credit file that are inaccurate, outdated, or unverifiable. 

Despite submitting a formal dispute directly to TransUnion, they failed to provide original documentation verifying the accuracy and legitimacy of these derogatory entries, including collections, charge-offs, and late payments. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 609 and 611.

Under FCRA 609, I requested the original source and signed agreements supporting each item. Under FCRA 611, I requested deletion of any item that could not be verified within the XXXX investigation period. TransUnion failed to meet these requirements and has continued to report these negative items, damaging my credit standing without sufficient documentation or lawful justification. 

I also have a fraud alert active, and TransUnion has not taken reasonable steps to investigate these accounts considering the potential risk of identity misuse. 

I am now turning to the CFPB to intervene and ensure that TransUnion complies with federal law by removing all unverifiable or inaccurate entries and conducting a fair reinvestigation as required.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint because my credit report contains several inaccurate and/or unverifiable items across TransUnion and Experian. I have attempted to resolve these issues with the credit bureaus but continue to see : Duplicate and conflicting reporting of a XXXX XXXX XXXX XXXX account, with one version showing late payments and another showing a perfect payment history. 

A charged-off account from XXXX XXXX XXXX that does not appear on Experian and is potentially unverifiable. 

Multiple hard inquiries I did not authorize, for which Ive requested verification under FCRA 604. 

I submitted a formal dispute letter ( attached ) to both bureaus requesting a full reinvestigation. I am now asking the CFPB to ensure these items are deleted if they can not be fully verified, and that the credit bureaus comply with the Fair Credit Reporting Act.

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 2025-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Due to the fact ive been struggling to make payments as of recent, its been Brought to my attention that there are ILLEGAL discrepancies with my Vehicle loan under Westlake Financial. Ive been made aware that they have been NOT been compliant as it pertains to my consumer rights. They have been illegally charging me in excess of the allowed interest rate falling under predatory lending. They are charging me 19.5 %. In XXXX the max is 16 %. In Addition when I was presented and signed the loan I was told I was signing a loan agreement that would allow me to pay down my principal amount should I wanted to pay more monthly to shorten my loan term. This has never been the case. In researching back, they apply majority of my payment to interest rate, while only applying XXXX % of my payment to the principal. In addition, if Ive paid extra any month, they apply that to interest. I am also not able or given the liberty to change this or decide how my money is applied in the website or payment portal for Westlake. Usually with other loans, you can choose how much you want paid towards your principal and what not. This is not the case with Westlake. This overall experience with Westlake has deeply impacted myself, my livelihood, and my credit. In my supporting documents you can see even from the beginning apparently when I was making payments they were only applying {$120.00} out of {$850.00}. Additionally they don't provide or allow me access to my statements further back. the farthest I can go back is XX/XX/year> which Ive provided a screen shot for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
There is an account showing up on my credit report that does not belong to me. Its clearly a case of mixed or merged credit files, and this account is tied to someone elses information not mine. 

I want to be absolutely clear : I have no connection to this account, and it should have never appeared on my report in the first place. This is damaging, inaccurate, and completely unacceptable.

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 2025-05-30 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
I am writing regarding fraudulent accounts resulting from a data breach that has affected my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX Date : XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXXL Date : XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX Date : XXXX XXXX  XXXX  Date : XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX Date : 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