vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
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 2025-11-11 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: TX

Complaint narrative:
Let me make it crystal clear that this complaint is entirely legitimate and demands your immediate and undivided attentionthere is no room for doubt, dismissal, or delay, and ignoring it will have serious repercussions. 
My credit report contains blatant inaccuracies that fail to meet the mandatory standard of maximum possible accuracy, violating consumer protection laws and my fundamental rights. 
These errors are inflicting serious and relentless negative impacts on my life, disrupting everything I hold dear and causing irreparable harm that you are responsible for addressing.

I insist that these inaccuracies be thoroughly investigated and either corrected or removed without any further delay there are no excuses acceptable, and inaction is not an option.

Resolving this issue is not merely necessary ; it is absolutely critical for my well-being, rights, and financial future failure to do so is unacceptable and will not be tolerated.

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 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I am formally disputing the repossession being reported by Westlake Financial on my credit report. This account is being inaccurately and unfairly reported, and I am requesting an immediate investigation and removal of this information in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which ensures the right to dispute incomplete or inaccurate information.

I was not properly notified of the sale or disposition of my vehicle, as required under UCC 9-611, which mandates that the creditor must send a reasonable and timely notice before the sale. I did not receive any such notice until months after the repossession and sale had already taken place. This failure to notify me in advance invalidates the deficiency balance and renders the reporting of the repossession legally defective and inaccurate.

Because proper notice was never given, I had no opportunity to recover the vehicle, attend the sale, or challenge the sale price all of which are my rights under federal and state consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
I am disputing the following charged-off accounts. I request that TransUnion conduct a thorough review of these entries : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please investigate this account for potential errors. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Discrepancies exist with the reported charge-off status and I request a full review. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} The charge-off status of this account requires a detailed review. 

XXXX XXXX  Account Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Dates Opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Balances : {$1000.00}, {$670.00}, {$460.00}, {$1000.00}, {$750.00}, {$370.00} Please review these accounts for reporting discrepancies. 

XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} This account needs a full investigation to verify the accuracy of its reporting. 

Inquiries XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Please investigate these inquiries for accuracy as they XXXX not reflect my current financial activities. 

Late Payments XXXX  Account Number : XXXX XXXX  Account Number : XXXX I request a thorough review of these late payment entries for any inaccuracies in reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
Was called by a XXXX XXXX from PennyMaac after making a complaint. Was asked to submit a bank statement to show proof of a payment for XX/XX/XXXX and XX/XX/XXXX. Informed him that on XX/XX/XXXX will provide bank statement due to my bank statement regenerates every month on the XXXX. Was informed that the proof of payment for XX/XX/XXXX was missing and that the debit payment on XX/XX/XXXX was not processed despite I have a confirmation number and recording. He also stated he went through the recordings of the dates of verification with my bank that the payment was success for XX/XX/XXXX and XX/XX/XXXX. Was told that I was unable to make debit or check payments because of a return check on XX/XX/XXXX when I called in earlier stating that it would bounce due to my lose of job and my first payday would be XX/XX/XXXX. Was told it would be waved and I would be able to continue to make payments regularly, but on XX/XX/XXXX I attempted to make a payment three times by calling in, the call would drop or say that their closed, but are open on open hours. Have tried to pay on line and my account say to contact customer services and cant make payments. I have called XXXX on his number and left a message stating my concern and no one has reached out to me. As I said, I feel discriminated and retaliated against due to making the first complaint. I have felt interrogated of asking me the same questions about payments I did not authorize. I believe that penny Mac is trying make my account go into default due to me being an XXXX XXXX  woman that has a federal loan and serve as a public worker as a registered Nurse. I have recordings and dates of several concussions and bank statements in claims due to this situation of trying to make payments, but claiming they are not getting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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

Complaint narrative:
XXXX XXXX XXXX XXXX date of birth XX/XX/year> contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION, EQUIFAX AND EXPERIAN credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I've attached the copy of the identity theft affidavit and a document listing all the accounts as proof from the US Federal Trade Commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: AL

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-11-11 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
XXXX, IL XXXX XX/XX/year> Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Formal Dispute Under FCRA 611 False Charge-Off Reporting for XXXX XXXX XXXX Account Ending XXXX To Experian Legal : This is a formal dispute of inaccurate and materially misleading information under 15 U.S.C. 1681i. The item at issue is the XXXX XXXX XXXX  credit card account ending in XXXX, which you are reporting as a profit and loss charge-off. 
I have written documentation from XXXX XXXX XXXX XX/XX/XXXX, XXXX the account was not charged off. Experian is therefore publishing false derogatory information that the furnisher itself contradicts in writing. 
Under FCRA 607 ( b ) and 611, you must ensure maximum possible accuracy and conduct a reasonable reinvestigation. Furnishing or maintaining a status that is factually impossible ( charged-off / not charged-off simultaneously ) does not meet statutory accuracy requirements and under the law deleting this account/information is required. 

Demand : I am requesting that the CFPB and Experian Reinvestigate this account. 

Obtain the banks documentation verifying actual charge-off status. 

If charged off, issue the appropriate 1099-C. 

Delete XXXX XXXX XXXX  from all credit bureaus. 

Provide me with the results of your reinvestigation and all documentation relied upon. 

Failure to correct this knowingly inaccurate reporting constitutes a violation of federal law. 

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 2025-11-11 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: PA

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FRCA ). Please remove this unverifiable item.

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 2025-11-11 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: MO

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 2025-11-11 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: MO

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 2025-11-11 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: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX  I called synchrony Bank thats connected to PayPal and canceled my account because they illegally went into my bank account and took out a payment. I never signed an agreement to have funds auto transferred. They agreed and closed the account. I am currently trying to close my PayPal account which they will not let me do until my PayPal credit card through synchrony is closed. PayPal is stating that my PayPal credit card is not closed through synchrony Bank. I have requested synchrony bank PayPal credit card to email me text me give me confirmation that my account is closed and they told me that I should have it in XXXX hours and I have not received it. I have called them multiple times on XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and again today, XX/XX/XXXX I have dates times and people I spoke with.

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