vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Third party sold my information to different companies. My identity was stolen and they continue to illegally sale my information

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 2025-12-19 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: IL

Complaint narrative:
Experian is inaccurately reporting a 90-day delinquency for XX/XX/XXXX on my XXXX XXXX XXXX XXXX The Experian report shows ND ( no data ) for the months leading up to that date and then a sudden 90, which is impossible because there are no 30- or 60-day delinquencies reported. The account also displays Invalid date fields and now lists a deferred status with payments beginning XX/XX/XXXX, contradicting the alleged delinquency. I disputed this with Experian in XX/XX/XXXX and provided documentation. Experian replied only that the item was updated and gave no explanation of the procedure used to verify the data. This fails to meet the reinvestigation and verification requirements of FCRA 1681e ( b ) and 1681i ( a ) ( 6 ) ( 7 ). I am requesting that Experian delete or fully correct the tradeline and provide confirmation of the action taken. 

In XX/XX/XXXX I mailed XXXX XXXX a written dispute identifying the XXXX late payment reported for XX/XX/XXXX as inaccurate. My dispute included a copy of my credit-report page, my ID, and a written explanation. On XX/XX/XXXX XXXX sent a form letter stating my dispute lacked sufficient information and refused to investigate. My letter clearly identified the account and the specific inaccuracy, satisfying FCRA 623 ( a ) ( 8 ) ( E ). Refusing to investigate violates 623 ( a ) ( 8 ) and 623 ( b ). I request that XXXX complete a reasonable investigation, provide verification of the 90-day late if it exists, and correct or delete the inaccurate information furnished to Experian.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-12-19 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: CA

Complaint narrative:
I am filing this complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) after its continued failure to correct inaccurate, misleading, and contradictory credit reporting despite receiving prior notice and dispute. This complaint follows my second written notice to Experian dated XX/XX/year>, regarding an account that Experian has refused to properly investigate or correct as required by federal law. 

The account at issue is XXXX XXXX XXXX XXXX ( Account No. XXXX ). Experian is reporting this account as a Charge-Off with a {$0.00} balance while simultaneously stating that the account was Purchased by another lender. This reporting is factually impossible, internally contradictory, and misleading. Once an account is sold or transferred, the original creditor no longer has the legal authority to continue reporting a charge-off or adverse status. Reporting both a charge-off and a sale constitutes improper characterization, double-counting, and a clear failure to maintain maximum possible accuracy under FCRA 607 ( b ). 

Despite my prior dispute, Experian failed to correct or delete this inaccurate information, demonstrating that it did not conduct a reasonable reinvestigation as required under FCRA 611 ( a ). Instead, Experian appears to have relied on automated verification or furnisher confirmation without critically reviewing the contradictory nature of the data being reported. Courts have consistently held that such superficial reinvestigations do not meet FCRA standards, especially when the inaccuracy is obvious on its face.

Experians continued reporting of this inaccurate account is damaging my credit profile and causing ongoing harm. Additionally, Experian has failed to provide any meaningful explanation, documentation, or competent evidence establishing the accuracy of this reporting. If Experian claims the account is verified, it has also failed to provide the legally required method of verification, including the identity and contact information of the verifying party, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

This conduct reflects a systemic failure by Experian to comply with its statutory duties and demonstrates reckless disregard for consumer rights under federal law. Experian has been given multiple opportunities to correct this issue and has chosen not to do so.

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 2025-12-19 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: PR

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: Army and Air Force Exchange Service
State: NC

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NC XXXX Date of Birth : XX/XX/XXXX SSN ( last XXXX ) : XXXX Company Involved : XXXX  XXXX XXXX XXXX XXXX. 
Military Star ( AAFES ) Account Name : MILITARY STAR Account Number : XXXX ( partial ) Complaint Description I am filing this complaint due to inaccurate and unverifiable credit reporting by XXXX  regarding a MILITARY STAR account. 

I disputed this account with XXXX. XXXX  responded that the account was verified and would remain on my credit report. However, XXXX  failed to provide evidence that a reasonable reinvestigation was conducted. 

On XX/XX/XXXX, I formally requested the Method of Verification under 15 U.S.C. 611 ( a ) ( 7 ). XXXX  has not provided : The name or contact information of the verifier The method used to verify the account Any documents reviewed, including an original signed application or contract Without this information, XXXX  can not claim compliance with the Fair Credit Reporting Act. 

XXXX  is violating : 15 U.S.C. 607 ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 611 ( a ) Failure to conduct a reasonable reinvestigation Additionally, Military Star has failed to provide documentation proving this account is accurate and legally mine.

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 2025-12-19 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: AL

Complaint narrative:
I just want to Follow up this complaint with the Consumer Financial Protection Bureau because all three major credit bureaus Experian, Equifax, and TransUnion are reporting multiple inaccurate, unauthorized, and outdated items on my credit files despite my rights under FCRA Sections 611, 605, 623 ( a ) ( 2 ), 623 ( b ), and 604 ( a ). Experian is listing unfamiliar and incorrect addresses, including XXXX XXXX XXXX  XXXX XXXX, AL XXXX and XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX, neither of which I have ever lived at or been associated with. Equifax is reporting additional false addresses XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX causing further confusion and misattribution of data. TransUnion is also reporting multiple inaccurate addresses, including XXXX XXXX, XXXX XXXX, FL XXXX, along with another incorrect version of the XXXX XXXX address ( XXXX XXXX XXXX  XXXX XXXX, AL XXXX ), raising concerns about the reliability of the information being furnished and whether proper reinvestigation procedures have been followed under FCRA 623 ( b ). Additionally, TransUnion is reporting an unauthorized XXXX  hard inquiry dated XX/XX/2025, which I did not authorize and which appears to violate FCRA 604 ( a ) regarding permissible purpose and FCRA Section 611 regarding my right to dispute inaccurate or unauthorized inquiries. Despite the fact that these addresses and the XXXX inquiry do not belong to me and should either be removed under FCRA 605 and FCRA 623 ( a ) ( 2 ), the bureaus have failed to ensure accuracy, conduct proper investigations, or maintain compliance with federal law, resulting in harm to my creditworthiness, financial opportunities, and personal security.

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 2025-12-19 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:
I am filing a complaint against Experian Information Solutions , Inc. for failure to comply with its obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and for continuing to publish unverified and inaccurate information after receiving multiple formal written disputes. 

On XX/XX/year>, I mailed Experian a formal written dispute and demand for verification regarding several accounts, including XXXX  XXXX ( Account No. XXXX ), XXXX XXXX XXXX  XXXX. ( Account XXXX. XXXX ), XXXX XXXX XXXX ( Account No. XXXX ). Experian was required to conduct a reasonable reinvestigation and obtain verification from the furnishers. 

Experian failed to provide any competent verification. Instead, it issued non-responsive or procedurally evasive replies, failed to address the disputed items individually, failed to provide documentary evidence from the furnishers, and continued reporting the accounts as accurate. Claiming that my dispute could not be processed or implying it did not come from me does not satisfy Experians statutory duties and is not a lawful basis to avoid investigation. 

On XX/XX/year>, I sent a second notice documenting Experians non-response, bad-faith avoidance, and continued publication of unverified information. Experian still failed to verify the accounts or delete them. On XX/XX/year>, I issued a final Notice of Dishonor and Demand for Deletion after Experian exhausted its opportunity to verify the disputed information. 

Despite these notices, Experian continues to publish inaccurate and unverified account data, causing ongoing financial and reputational harm. This conduct constitutes violations of 15 U.S.C. 1681e ( b ) ( duty to ensure maximum possible accuracy ), 1681i ( a ) ( failure to conduct a reasonable reinvestigation ), and willful or negligent non-compliance

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 2025-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
My XXXX student loan was sent to collections by XXXX XXXXXXXX XXXX in XX/XX/XXXX. I have been enrolled in a XXXX XXXX XXXX since XXXX of XXXX. I asked them for a detailed breakdown of the amount they were charging me to pull the account out of collections, which I was not notified that my account was sent to collections in the first place. I found out when I applied for my XXXX XXXX. They could not provide a detailed document about why they said I needed to pay {$900.00}. I was behind because I thought that my federal XXXX loan qualified for the COVID deferral. I was not notified that XXXX loans specifically did not qualify for this. I was extremely hurt when I was ntfied of this considering I served on the frontlines during the pandemic, literally saving lives and risking my own. 

I paid XXXX the amount they asked for and they still had my account as delinquent. I had to ask them to bring the account up to date in their system. It has been several months, and they have not put my account in deferment since I am a student who is enrolled part-time in my XXXX XXXX XXXXXXXX. They have told me that my documentation is not enough, although all of my other loans have gone into deferment. I was told by a representative that I need to submit a general forebarence request, which I did and it was denied. I was told that I needed to submit a enrollment verification form, I have submitted this form more than 4 times. I have submitted documentation stating I am in a XXXX program. 

It does not appear that they collaborate with the XXXX XXXX XXXX which would make this process smoother for everyone. I have called and emailed several times. This has impacted my credit and has also made it so that I can not borrow the full amount for my grad program.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: MI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 - XXXXXXXX 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 2025-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am submitting a complaint regarding an auto loan that resulted from dealership misconduct and misrepresentation. 

The selling dealer, XXXX XXXX ( XXXXXXXX XXXX ), completed and submitted the credit application to Westlake Financial and proposed the use of alternate employment information in order to obtain financing approval. The dealer controlled the application process and instructed me to rely on their process if contacted by the lender. I did not author, submit, or certify the employment or income information used.

The vehicle was later discovered to have serious mechanical defects shortly after purchase. The account was charged off and remains disputed, yet Westlake continues collection efforts and credit reporting without addressing the underlying dealer misconduct.

I am requesting that Westlake Financial conduct a full investigation, provide documentation supporting the validity of the account, cease inaccurate credit reporting, and correct or remove any information that can not be verified. 

Account No : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
XXXX a XXXX citizen who owns a XXXX business entity based in Florida. As procedure to complete operation of my business I must open an account in us mostly florida. I was denied to proceed with my request because of the sole reason that I was born in XXXX. They the Bank of America, in turn, stated that it was due to OFAC regulation. After close examination of the law XXXX  XXXX  that have acquired ctitzenship in tXXXX XXXX are unblocked from this restrictions. The bank, in my understanding is misinterpreting the law and acting by discrimination from my place of birth. 

Unblocked XXXX  XXXX 2 ) Any individual XXXXXXXX XXXX XXXXXXXX who has taken up permanent residence outside of XXXX, provided that the required documentation specified in paragraph ( c ) of this section is obtained and the individual is not a prohibited official of the Government of XXXX, as defined in 515.337, or a prohibited member of the XXXX XXXX XXXX, as defined in 515.338 ; Branch Bank of America XXXX XXXX XXXX XXXX XXXX, FL XXXX United States Name of Representant who assisted me XXXX XXXX Client 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 2025-12-19 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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