vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: GA

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 reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. 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 2025-05-22 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:
Subject : Formal Complaint Inaccurate and Conflicting Reporting of XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX Ending in XXXX ) To whom it may concern, I am submitting a formal complaint concerning the XXXX XXXX  account issued by XXXX XXXX  XXXX ( Account ending in XXXX ) as reported on my credit files by Equifax, XXXX XXXX XXXX 

Issue Summary : This account is being reported with multiple errors, inconsistencies, and outdated derogatory information, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). 

Identified Violations : 1. FCRA Violation ( 15 U.S.C. 1681s-2 ) Duty to Report Accurate Information The account closure dates are inconsistent : Equifax/XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX A balance of {$1700.00} is still reported despite the account being marked closed and resolved. 

Comments from bureaus conflict : XXXX : Account previously in dispute now resolved by data furnisher/subscriber XXXX : Dispute resolved reported by grantor Yet late payment indicators ( 90-day, charge-offs ) remain, which contradicts any resolved status. 

The last payment date and last activity vary : Last Payment : Equifax XXXX XXXX XXXX XXXX XXXX XXXX missing Last Activity : Equifax XX/XX/XXXX | XXXX XXXX XXXX XXXX XXXX  These discrepancies raise serious concerns about the accuracy and integrity of the reporting. 

2. FCRA 611 ( a ) Violation Failure to Correct Inaccurate Data After Dispute Although the account is marked as previously disputed and resolved, the derogatory data remains. This is a clear failure to reinvestigate and correct the inaccuracies per legal standards.

3. TILA Violation ( 15 U.S.C. 1601 et seq. ) Failure to Provide Terms and Disclosures I was not given a proper disclosure of the terms, interest rates, or repayment obligations associated with this credit card account, as required under TILA sections 1026.5 and 1026.6.

4. GLBA Violation ( 15 U.S.C. 68016809 ) Mishandling of Financial Information Reporting outdated, inaccurate, and disputed financial data without proper consumer authorization or resolution constitutes a breach of the GLBA 's consumer data protection obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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 was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete 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 XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$170.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$1600.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$270.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$14000.00} Inquiries XXXX XXXX Date : XXXX XXXX  Date : XXXXXXXX XXXX Date : XXXX XXXX  Date : XXXXXXXX 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
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete 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 XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$170.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$1600.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$270.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$14000.00} Inquiries XXXX XXXX Date : XXXX XXXX  Date : XXXXXXXX XXXX Date : XXXX XXXX  Date : XXXXXXXX XXXX Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: SC

Complaint narrative:
In accordance with the Fair Credit Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602A states I have rights 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.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 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: Self Financial Inc.
State: MI

Complaint narrative:
I am filing this complaint against both Lead Bank and XXXX  for continuing to report an alleged {$330.00} charge-off ( Acct # XXXX ) that is inaccurate, unverifiable, and disputed. On XX/XX/year>, I submitted a notarized, certified dispute letter directly to Lead Bank demanding validation and documentation under FCRA 1681i, 1681e ( b ), and 623 ( b ).

In my letter, I requested : A signed copy of the original agreement Billing statements Charge-off procedures Statute of limitations analysis XXXX XXXX XXXX XXXX Lead Bank failed to respond with any of the requested documentation. Despite this failure to verify the debt, XXXX  continues to report the account as charged-off, harming my credit profile. 

This situation constitutes multiple violations of the Fair Credit Reporting Act : FCRA XXXX ( b ) : XXXX  failed to ensure maximum possible accuracy FCRA XXXX ( a ) : XXXX  failed to delete unverifiable information FCRA 1681s-2 ( b ) : Lead Bank failed to correct or delete disputed data after notice I am requesting that : XXXX  delete the Lead Bank account from my credit report entirely Lead Bank provide full verification or issue a written withdrawal of their claim Both parties stop reporting or re-furnishing this account unless fully validated under FCRA 1681i ( a ) ( 5 ) ( B ) The continued reporting of this account without verification is legally unjustified and materially damaging. I request immediate CFPB assistance to enforce my rights and correct my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: TX

Complaint narrative:
Experian I under stand that the CFPB has sued you for not reporting properly XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I have requested information over and over from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX have { FAILED REPEATEDLY } by law they have to produce to me when I request either they do not have the information or refuse to produce it Im not asking for invoices nor validation, no verification because there is no chain of assignment, nor forward flow agreement, they are making this account a false report and I can and will sue all parties that refuse to comply, I have all documentation to support my claim in court REMOVE THIS ACCOUNT AT ONCE for failure to comply to my request by law. may be you should contact your fraud dept on this matter. as you can see mcm states they never got the request that '' s not true I gave you the evidence now under the law remove it respond through the CFPB

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 2025-05-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I brought a car from American Car Center who later filed bankruptcy and the car was transferred to another company name Westlake PM. The car was totaled out and the insurance company paid for the car and they are showing on my credit that I owe money and I don't and I need this cleared off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: FL

Complaint narrative:
DEAR CFPB TEAM : I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and should be blocked : Fraudulent Accounts to Be Removed : XXXX. ACCOUNT DETAILS : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. ACCOUNT DETAILS : Account Name : XXXX Account Number : XXXX XXXX. ACCOUNT DETAILS : Account Name : XXXX XXXX XXXX Account Number : XXXX As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data. 
I have contacted the Experian, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy. 
I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, 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 explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
attempts to collect a debt that does not belong to me. Please remove from 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 2025-05-22 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: EdFinancial Services
State: NC

Complaint narrative:
I am writing to dispute the late payment marks on my student loan account that have negatively impacted my credit score. Below, I have outlined the reasons for this dispute and the correction I am requesting.

During the COVID-19 pandemic, my loans were transferred from XXXX XXXX to XXXX, which I was informed of and managed accordingly. However, I was never notified that my loans had been transferred again, this time to EDFinancial. I did not receive any form of communication such as a welcome letter, phone call, voicemail, or email regarding this change. It wasnt until I reviewed my credit report, that I discovered my servicer had changed, and to my shock, my credit score had dropped from XXXX to XXXX due to reported late payments on my student loans. Despite these missed payments, I never received any contact from EDFinancial.

When I reached out to EDFinancial to address this issue, I was told, You should have updated your information so we knew how to contact you. However, I was unaware of how to find and update my loan details. I even questioned if my loans had been forgiven under the Biden administrations student loan forgiveness program due to XXXX leaving my balance at {$0.00}. After finally locating my new servicer, Ive created an account with EDFinancial and am now making payments on time. Given the lack of communication from EDFinancial and the resulting damage to m

y credit score, I am requesting the late payment marks be removed from my credit report. I am unsure of the dates of the late payments but when I spoke with the supervisor from
EDFinancial, they shared they took over the loan in XX/XX/scrub> 2024 and having several missed payments since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MS

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-05-22 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: NJ

Complaint narrative:
To begin, I would like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as it is my lawful RIGHT ( XXXX ) to do so, that you annul and all deficient of any condition, mentioned or not! 

I DO NOT AUTHORIZE you to misreport any misinformation now or ever. Please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. 


XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  This charge-off account shows a {$32000.00} balance. The balance should not be reported after it was a charge-off. This is clearly inaccurate. As per 15 U.S. Code 1681e, consumer reporting agencies are required to take reasonable measures to ensure the highest level of accuracy possible when preparing consumer reports. This means you must employ proper procedures to minimize errors and ensure that the information pertaining to the individual in the report is as accurate as possible.

CAPITALONE Date of inquiry : 01/30/2023 - Under 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave this company any written consent to report anything on my consumer reports, no consent is 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