vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: NC

Complaint narrative:
The account in question was charged off back on XX/XX/XXXX, meaning the account was closed and no further payments were expected. However, XXXXXXXX XXXX  continues to report monthly late payments after the charge-off date, which is factually incorrect and misleading. 
Violation of FCRA Inaccurate Reporting ( 1681i, 1681s-2 ( b ) ) Under the Fair Credit Reporting Act, furnishers must report information that is accurate and complete. Continued reporting of late payments after an account is charged off is not only inaccurate but also may be considered re-aging the account. 
Prior Dispute Ignored or Mishandled I submitted a formal dispute in XX/XX/XXXX to both the credit reporting agency and the creditor. Despite this, the false late payments are still present. This suggests either a failure to properly investigate, or a failure to correct inaccurate data as required under 1681i and 1681s-2 ( b ).

Potential Attempt to Extend Negative Reporting Beyond 7 Years The ongoing monthly updates on a charged-off account may be intended to re-age the account, which is explicitly prohibited. The 7-year reporting window should start from the date of first delinquency that led to the charge-offnot from the last reported late payment. 


Also Additionally, this account was a secured credit line, backed by collateral I provided. The creditor charged off the account and subsequently sold the debt to a third-party collection agency. In doing so, they retained my collateral and received payment from the sale of the debteffectively getting paid twice. This raises serious ethical and potentially legal concerns, including unjust enrichment and potential violations of the Uniform Commercial Code ( UCC ) or other consumer protection statutes governing secured transactions. 
This inaccurate and unlawful reporting has negatively impacted my credit score, resulted in credit denials, and caused emotional distress. It has also hindered my ability to obtain fair access to financial products and services.

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 2025-05-18 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: FL

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-05-18 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:
Hello, I recently checked my XXXX XXXX account and discovered a fraudulent credit account that was opened in XX/XX/year>XXXX  ( Creditor Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ). I did not authorize or open this account. It shows missed payments and is now closed, which is negatively affecting my credit. 

Please assist me in disputing and removing this account from my credit report as soon as possible.

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 2025-05-18 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: CA

Complaint narrative:
Hello, I recently checked my XXXX XXXX account and discovered a fraudulent credit account that was opened in XX/XX/year>XXXX  ( Creditor Information XXXX XXXX XXXX XXXX XXXX, TX XXXX ). I did not authorize or open this account. It shows missed payments and is now closed, which is negatively affecting my credit. 

Please assist me in disputing and removing this account from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-18 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: MA

Complaint narrative:
Early in XXXX, an individual named XXXX XXXX stole my father and my identity, charged our credit cards, and opened a XXXX XXXX account in my name. I've since filed a lawsuit against this person in XXXX Massachusetts Superior Court, Case No. XXXX ( see attached ). Further, I've disputed this account with TransUnion, XXXX XXXX XXXX. Transunion and XXXX  have not yet removed this fraudulent account from my credit file. Firther, I've been incarcerated in XXXXXXXX XXXX since XXXX of XXXX. So I could not have opened this account. You can verify this by going to Federal Bureau of Prisons website, selecting the Inmate Locator page, then typing in my federal ID number : XXXX. I'm not scheduled to be released from BOP custody until XXXX. The XXXX XXXX Account was closed XX/XX/XXXX with a balance of {$3100.00}. The last four of my social security is XXXX and my DOB is 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 2025-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Early in XXXX, an individual named XXXX XXXX stole my father and my identity, charged our credit cards, and opened a Capital One account in my name. I've since filed a lawsuit against this person in XXXX Massachusetts Superior Court, XXXX XXXX. XXXX ( see attached ). Further, I've disputed this account with XX/XX/XXXXhave not yet removed this fraudulent account from my credit file. Firther, I've been incarcerated inXX/XX/XXXX since XXXX of XXXX. So I could not have opened this account. You can verify this by going to Federal Bureau of Prisons website, selecting the Inmate Locator page, then typing in my federal ID number : XXXX. I'm not scheduled to be released from BOP custody until XXXX. The Capital One Account was closed XX/XX/XXXX with a balance of {$3100.00}. The last four of my social security is XXXX and my DOB is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
am filing this complaint against Experian, TransUnion, Equifax, and XXXX XXXX XXXX XXXX for reporting inaccurate, incomplete, and misleading information on my credit history, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

The errors include : 1. The account, originally opened with XXXX XXXX XXXX XXXX ( account number ending in XXXX ), is marked as closed since XX/XX/XXXX, yet it also reports a last payment on XX/XX/XXXX, which is chronologically impossible. 
2. The account status is listed as Charged Off while simultaneously reporting an Amount Past Due of {$6100.00}. This is illegal under Metro 2 guidelines and credit reporting practices : a charged-off account should not continue to show a past-due balance. 
3. The remarks field repeats the negative comment Profit and Loss Write-Off twice, which constitutes an unjustified duplication of a negative mark. 
4. The information has not been updated since XXXX, which violates the continuous accuracy requirement under FCRA ( 15 U.S.C 1681 ). 

I have already disputed this account without receiving a valid resolution. 

Formal Request : Given that this account contains substantial errors, I formally request its immediate removal from the credit reports maintained by Experian, TransUnion, and Equifax. If removal is not possible, I hereby request all verification documentation, including : The original contract bearing my signature. 
The full payment history. 
Legal proof of the debt after the account was closed. 
Legal justification for maintaining two Profit and Loss Write-Off entries. 

If I do not receive a response within the 30 days allowed by law, I will proceed with a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities for violations of the Fair Credit Reporting Act ( FCRA ) and damage to my credit. 

Thank you for your prompt attention to this serious matter. 

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 non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
am filing this complaint against Experian, TransUnion, Equifax, and XXXX XXXX XXXX XXXX for reporting inaccurate, incomplete, and misleading information on my credit history, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

The errors include : 1. The account, originally opened with XXXX XXXX XXXX XXXX ( account number ending in XXXX ), is marked as closed since XX/XX/XXXX, yet it also reports a last payment on XX/XX/XXXX, which is chronologically impossible. 
2. The account status is listed as Charged Off while simultaneously reporting an Amount Past Due of {$6100.00}. This is illegal under Metro 2 guidelines and credit reporting practices : a charged-off account should not continue to show a past-due balance. 
3. The remarks field repeats the negative comment Profit and Loss Write-Off twice, which constitutes an unjustified duplication of a negative mark. 
4. The information has not been updated since XXXX, which violates the continuous accuracy requirement under FCRA ( 15 U.S.C 1681 ). 

I have already disputed this account without receiving a valid resolution. 

Formal Request : Given that this account contains substantial errors, I formally request its immediate removal from the credit reports maintained by Experian, TransUnion, and Equifax. If removal is not possible, I hereby request all verification documentation, including : The original contract bearing my signature. 
The full payment history. 
Legal proof of the debt after the account was closed. 
Legal justification for maintaining two Profit and Loss Write-Off entries. 

If I do not receive a response within the 30 days allowed by law, I will proceed with a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities for violations of the Fair Credit Reporting Act ( FCRA ) and damage to my credit. 

Thank you for your prompt attention to this serious matter. 

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 2025-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CO

Complaint narrative:
I received two emails from Chime stating that they verified my email and that my new chime card was on the way. I called the number off of their official website, the employee, XXXX, requested personal information ( dob/ssn ) to identity said fraud account to close it. I said I didnt feel comfortable giving that info and that they should be able to verify off of email and the address the frauds provided. He did not help, said he couldnt verify off of email. I never signed up for chime. Ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/25 I purchased 3 pair of eyeglasses from XXXX XXXX for {$58.00} and {$69.00} When I received the glasses I contacted the Co to request a XXXX because the glasses were too small, they refused. 
I contacted Discover to complain and they told me they will investigate. 
On XX/XX/25 Good news I received {$69.00} refund On XX/XX/25 more good news I got {$58.00} refund. 
On XX/XX/XXXX I got a Chargeback for {$58.00} from Discover, when I call them for an explanation they told that is not their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
On XX/XX/year>, I submitted a {$6000.00} down payment through XXXX XXXX XXXX XXXX for the purchase of a vehicle financed by Westlake Financial. I signed the contract on XX/XX/XXXX, and it was finalized on XX/XX/XXXX. Since then, nearly two weeks have passed, and I have still not received the vehicle. Despite this delay, Westlake has not been willing to push back my first payment date, which is now less than two weeks away, nor have they shown any willingness to account for the {$3500.00} in insurance I've paid for a vehicle that I have never even seen.

Westlake contacted my employer and confirmed my employment verbally, and my HR department sent multiple verifications via fax with confirmed delivery receipts. However, Westlake continues to cite pending job verification as the reason for stalling. This appears to be either intentional misinformation or gross internal miscommunication, both of which are unacceptable given the financial obligation and timeline.

When asked for updates, I am repeatedly redirected between Westlake, XXXX XXXX XXXX, and XXXX, each placing blame on the other. Meanwhile, I am left without the vehicle I paid for, losing money on missed work, and still being held to the contract terms while the company continues to violate theirs. 

This situation reflects a lack of transparency, bad faith behavior, and possible fiduciary misconduct, especially considering XXXX is the financier of record and has a duty to ensure contractual integrity. Their continued delay is not only unreasonable but may also constitute unjust enrichment and bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
In XX/XX/2025, I submitted a payment to XXXX for my student loan before the due date. Due to a technical issue on the banking side, the transaction was reversed. I was not informed by XXXX that the payment failed to process, nor was I given an opportunity to correct the issue before they reported a 30-day late payment to the credit bureaus.

This late mark is the only negative item on my otherwise clean credit history, and it has caused a significant drop ( over 60 points ) in my credit score. This has impacted my ability to qualify for basic financial products and housing as a student preparing to rent for the upcoming semester. 

I contacted XXXX and requested a goodwill adjustment, as the error was clearly unintentional, not due to negligence, and occurrence despite my timely attempt to pay. My account has remained in good standing since, and I have not missed any payments. 

XXXX denied my request and refused to consider the circumstances, despite this being my first and only issue. I believe their rigid reporting policy has led to an unfair and disproportionate penalty, especially given that federal loans are not reported late until 90 days past due, while this loan was reported after just 30 daysdespite attempted payment and a technical banking issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: WA

Complaint narrative:
In XX/XX/year>, I submitted a payment to XXXX for my student loan before the due date. Due to a technical issue on the banking side, the transaction was reversed. I was not informed by XXXX that the payment failed to process, nor was I given an opportunity to correct the issue before they reported a 30-day late payment to the credit bureaus.

This late mark is the only negative item on my otherwise clean credit history, and it has caused a significant drop ( over 60 points ) in my credit score. This has impacted my ability to qualify for basic financial products and housing as a student preparing to rent for the upcoming semester. 

I contacted XXXX and requested a goodwill adjustment, as the error was clearly unintentional, not due to negligence, and occurrence despite my timely attempt to pay. My account has remained in good standing since, and I have not missed any payments. 

XXXX denied my request and refused to consider the circumstances, despite this being my first and only issue. I believe their rigid reporting policy has led to an unfair and disproportionate penalty, especially given that federal loans are not reported late until 90 days past due, while this loan was reported after just 30 daysdespite attempted payment and a technical banking issue.

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