vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: Westlake Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/year> Subject : Dispute of Unauthorized Hard Inquiry on Credit Report To Whom It May Concern, I am writing to formally dispute an unauthorized hard inquiry listed on my credit report. I recently obtained a copy of my credit report from your bureau and noticed a hard inquiry from XXXX XXXX XXXX XXXX, which I do not recognize and did not authorize. 

According to the Fair Credit Reporting Act ( FCRA ), hard inquiries should only be made with my explicit authorization, typically in connection with a credit application I have initiated. I have not applied for credit with this company nor have I given permission for this inquiry. 

I respectfully request that this unauthorized hard inquiry be investigated and removed from my credit report. Please consider this letter as a formal dispute of that item under the FCRA. 

Please provide a written response of the results of your investigation within 30 days, as required by the FCRA. 

Thank you for your prompt attention to this 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 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit International Corporation
State: FL

Complaint narrative:
A debt collector reported a {$160000.00} debt from XXXX XXXX XXXX to my personal credit report. I have never received any prior written notice of this debt. I was formerly an employee at a company called XXXX, which has since been sold, and I have no personal liability or signed personal guarantee for any business debt. I never received an email, letter, or invoice from XXXX, nor was I notified before this debt appeared on my credit report. The only attempt to reach me appears to have been a missed phone call, with no voicemail or written follow-up. 

This debt has caused a XXXX drop in my XXXXredit score, and I believe it was reported unlawfully. I have now disputed the debt with the bureaus and sent a formal debt validation request, and am requesting the CFPB assist with an immediate investigation.

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 2025-06-13 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:
TO WHOM IT MAY CONCERN, THIS DOCUMENT AND ALL ENCLOSED MATERIALS HAVE BEEN SENT BY ME PERSONALLY ( XXXX XXXX ). 
I am formally disputing inaccurate information on my credit report under the FCRA, 15 U.S.C.

1681i. Your past legal violations raise concerns about your ability to process disputes lawfully : XXXX  ( XXXX ) Fined {$15.00} XXXX for violating FCRA dispute-handling regulations. 
Experian ( XXXX ) Sued for re-inserting errors into credit files after disputes. 
XXXX ( XXXX ) Lost a {$60.00} XXXX jury verdict for damaging consumer reports. 
To ensure full compliance, I require a written response sent to the following address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX THIS DOCUMENT, ALONG WITH ALL ENCLOSED MATERIALS, HAS BEEN SENT BY ME PERSONALLY ( XXXX XXXX ). I expect your immediate compliance. 
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 2025-06-13 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon looking at my credit I noticed some unauthorized inquiries. I am currently trying to get my first home and ran my credit report and credit unions and finance companieXXXX XXXX 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. I did not authorize those inquiries.

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 2025-06-12 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: IL

Complaint narrative:
Upon looking at my credit I noticed some unauthorized inquiries. I am currently trying to get my first home and ran my credit report and credit unions and finance companieXXXX XXXX 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. I did not authorize those inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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:
Experian is currently reporting two recently reinstated charge-off accounts that I dispute as inaccurate, unverifiable, and extremely damaging, both personally and financially. These accounts include XXXX XXXX XXXXXXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ), opened on XX/XX//2018, with a reported balance of {$1900.00}, and XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ), opened on XX/XX/2018, with a reported balance of {$680.00}. These entries were previously removed following disputes, and have now reappeared on my Experian credit report without proper notice, verification, or documentation from the original creditors. This is unacceptable and in direct violation of federal consumer protection laws, including multiple provisions under the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation of any disputed account and notify the consumer of the results within 30 days. The reappearance of these accounts suggests that no such reinvestigation occurred, or if one did, it was conducted improperly and without proper validation. Furthermore, under 15 U.S.C. 1681e ( b ), Experian has an affirmative duty to maintain procedures that ensure the maximum possible accuracy of the information it reports. Simply re-posting old charge-off data without verifiable proofafter it was previously removeddemonstrates a reckless disregard for accuracy, fairness, and due process.

These accounts have already cost me real opportunities. I was recently denied a mortgage pre-approval based solely on the derogatory nature of these entries. The emotional toll of watching derogatory data I previously fought to have corrected suddenly reappearwithout explanationis tremendous. This is not just an issue of numbers or policy. This is my name, my credit, and my future. Experian is failing in its statutory obligations and its ethical responsibility to protect consumers from harm caused by faulty data.

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 2025-06-12 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: UPGRADE, INC.
State: TN

Complaint narrative:
Several years ago, my apartment was burglarized. All my information was stolen. It's been hard trying to get a hold of all the accounts that where opened in my name, but I've been persistent. Please assist me in removing the last of the accounts that was opened fraudulently in my name. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am not liable for this debt with Midland Credit Management. I do not have a contract with Midland Credit Management. They did not provide me with the original contract as I requested. 

The following debts ( XXXX ) MUST be removed as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, XXXX XXXX XXXX. 

Since the description of reinvestigation was not provided as requested within XXXX  days in order to be in compliance with FCRA guideline the collection must be removed from my XXXX XXXX and permanently removed/deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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 demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
I am submitting this complaint because both TransUnion and XXXX  are inaccurately reporting a late payment on an auto account with XXXX XXXX XXXX, account number ending in XXXX, which was opened on XX/XX/year> and currently reflects a past due amount of {$0.00}. I dispute this reporting as misleading, inaccurate, and damaging to my credit profile. A past due amount of {$0.00} indicates that the account is no longer delinquentif it ever wasbut the derogatory status remains, which unfairly penalizes me and misrepresents my payment history to lenders. This discrepancy recently impacted a credit application, and I was informed that although the account is marked as having no past due balance, the presence of a late payment is still affecting my overall credit standing. This is inconsistent with the Fair Credit Reporting Acts requirement under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy of the information in my file. Reporting a late payment alongside a {$0.00} past due amount sends a contradictory message to any potential creditor evaluating my file, leading to unnecessary scrutiny and increased likelihood of credit denials.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years. 15 U.S.C 1666b ( a ) Time to make payments, A credit may not tre
at a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: FL

Complaint narrative:
This complaint is valid. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. These errors are causing serious personal and financial harm. I demand immediate correction or removal. Prompt action is essential and would provide critical relief during this challenging time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
This is a formal rebuttal to XXXX XXXX XXXX response regarding the account they claim I opened in XX/XX/XXXX. 

While I acknowledge that I did not make payments on this account, I am exercising my right under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to dispute the reporting of this account due to the following concerns : 1. No Proper Validation Was Provided I requested full debt validation under 15 U.S.C. 1692g ( b ). XXXX XXXX responded with a summary of the loan terms, but did not provide the signed contract or original loan agreement, nor a complete and itemized breakdown of how the balance was calculated. 

If a company can not fully validate the account, it must cease all collection efforts and remove the information from credit reporting. A spreadsheet summary is not legal validation under the FDCPA. 



XXXX. XXXX XXXX No Longer Owns This Account XXXX  admits that they sold the account to Spring Oaks Capital , LLC as of XX/XX/XXXX. Once a debt is sold, the original creditor should not continue reporting any activity on that account. Reporting by both XXXX XXXX and Spring Oaks can result in duplicate derogatory reporting, which is inaccurate and unfair under the FCRA.

3. Permissible Purpose Does Not Override Accuracy While XXXX  claims to have a permissible purpose to report, the FCRA requires that all information must be accurate and verifiable. Since the account has been sold and XXXX no longer has ownership, their continued reporting violates XXXX XXXX. XXXX ( b ). It is not accurate to report a charged-off balance after the account has been sold to a third party.

4. Request for Deletion I am formally requesting that this account be deleted from all credit reports maintained by XXXX XXXX XXXX XXXX. XXXX XXXX has not verified the debt in accordance with federal law, no longer owns the account, and is therefore not entitled to furnish information about this account any longer. 



Thank you for your attention to this matter. I request the CFPB to investigate this reporting violation and ensure this account is permanently removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief