vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: SC

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 non-monetary relief
Consumer complaint received 2025-07-08 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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, NC XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I have identified a hard inquiry on my credit report that I did not authorize or initiate. This is a clear violation of my consumer rights under the Fair Credit Reporting Act. I am concerned that this inquiry may be related to fraudulent activity or identity theft.

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 2025-07-08 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX 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 2025-07-08 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mediation Recovery Center
State: FL

Complaint narrative:
This company is trying to collect fraudulent depts using intimidation tactics The company first telephoned with an explanation of the debt. The explanation contained major factual inconsistencies. The caller offered a discount if I paid immediately by phone. 

I demanded a written explanation of the debt by mail. 

Caller said they would mark me as uncooperative and outright refused to send a written explanation or invoice. Caller threatened to ruin my credit rating. 

I received an invoice via XXXX mail on XX/XX/XXXX, dated XX/XX/XXXX. No explanation was included. A different ( Smaller ) discount was offered. The offer expires on XX/XX/XXXX, despite them delaying mailing it for two weeks.

Invoice said it was for a foreign hospital.

I did spend six days in that hospital in XXXX in XXXX and paid the bill in full at checkout using a credit card. The caller said my health insurance paid the bill, and I still owed the deductible. In fact, the Foreign Hospital demanded payment in full before checkout. I paid in person, in full, using my personal credit card in XX/XX/XXXX, and my Health Insurance Company later reimbursed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
I am submitting a complaint against Sunrise Credit Services , Inc., who is reporting a {$170.00} collection account allegedly connected to XXXX XXXX. This complaint is regarding Sunrises unlawful actions as a third-party debt collector.

Sunrise is furnishing and verifying consumer data without lawful authority, in violation of FCRA 1681b and FDCPA 1692e ( 2 ) ( A ). They have failed to provide : A valid chain of title or assignment agreement from XXXX XXXX ; A wet-ink, original signed contract that grants them standing ; Any evidence of a permissible purpose to access or report my consumer data.

I have provided a formal FTC Identity Theft Report ( Report # XXXX ) and sent Sunrise a legal notice with a firm deadline to remedy these violations. They have neither complied nor produced the required documentation. Their continued collection and reporting activity constitutes fraudulent misrepresentation, lack of standing, and unlawful consumer data access.

I request that the CFPB : Investigate Sunrise Credit Services for these actions ; Compel full removal of the tradeline from all credit bureaus ; Enforce corrective action and impose regulatory penalties if appropriate ; Ensure Sunrise does not transfer, sell, or republish this alleged debt again.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
An account was opened in my name in XX/XX/year> from XXXX and now owned by XXXX from XXXX XXXX XXXX. I have never had a student loan nor did I go to XXXX. I was living in XXXXXXXX XXXX employed by XXXX XXXX at this time and still a present employee with 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 2025-07-08 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within four business days.

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 2025-07-08 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: NC

Complaint narrative:
I want to make it absolutely clear that this complaint is not being submitted in error. My credit report contains inaccurate information that fails to meet the legally required standard of maximum possible accuracy. These errors are causing significant and ongoing harm to my financial stability and personal well-being.

This situation is placing an undue burden on me during an already challenging time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PROVIDENT FUNDING ASSOCIATES
State: WA

Complaint narrative:
XXXX XXXX charged me a {$25.00} NSF ( non-sufficient funds ) fee after a rejected payment. However, the payment authorization page only stated : You are responsible for any fees associated with a payment rejected by your bank.

At no time was the amount of the fee disclosed. I reviewed all of my loan documents, including the promissory note, deed of trust, and escrow disclosures, and found no mention of the {$25.00} returned payment fee or any referenced standard fee schedule. 

I called XXXX XXXX customer service and asked where I could find the fee amount. The representative told me that the only way to know the amount of the NSF fee was to either call in and ask or wait until I incurred the charge. 

Additionally, XXXX did not clearly disclose whether this fee is charged by my bank due to the payment rejection or by XXXX XXXX itself. Consumers deserve transparency about who is charging the fee and the fee amount. 

This fee was not disclosed up front, was not presented at the time of payment, and was not included in the loan documentation. I believe this practice is deceptive and unfair under consumer protection law. 

I am requesting : A refund of the {$25.00} fee, and That XXXX XXXX be required to clearly disclose such fees, including who charges them, well in advance to prevent further harm to consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I am filing this complaint regarding Westlake Financial Services due to serious issues with their handling of my auto loan account and the recent repossession of my vehicle.

Several months ago, I reached out to Westlake Financial via email requesting to modify my payment terms before signing the new agreement they sent me. I never received any response to my request. As a result, my payment issue remained unresolved, and I was unable to make payments for several months. 

On XX/XX/year>, my vehicle was repossessed. I have made multiple attempts

to contact Westlake Financial by email and phone to address this situation and negotiate a resolution. I have specifically requested a reinstatement offer and to speak with a supervisor or someone in their corporate office. Despite these efforts, I have not received any meaningful response or assistance. I am also concerned that my previous attempts to modify my loan and avoid this situation were ignored, and that I was not provided a fair opportunity to resolve the matter prior to repossession. Additionally, I am requesting that Westlake Financial provide me with a full reinstatement quote and
explain my options clearly in writing. 

I am asking for the CFPBs assistance in obtaining a response from Westlake Financial regarding my case and to ensure I am treated fairly in accordance with my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I am formally disputing a collection account that has been added to my credit report. I have no record of initiating this account, nor have I received any communication verifying its legitimacy. I was never notified of this debt nor given an opportunity to validate or contest it prior to 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 2025-07-08 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: MI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your 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 non-monetary relief
Consumer complaint received 2025-07-08 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: MI

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Reporting under 15 U.S. Code 1601 To Whom It May Concern, I am writing to dispute the inaccurate and damaging account information listed on my credit report related to XXXX account # XXXX Under 15 U.S. Code 1601, the Truth in Lending Act ( TILA ) was established to ensure the informed use of credit through meaningful disclosure of terms and fair billing practices. This account was reportedly closed at the creditors request and marked as a charge-off with a past due balance of {$520.00}. I am challenging the accuracy and completeness of this information for the following reasons : The creditor failed to properly notify me in accordance with TILA about changes, delinquencies, or my right to dispute the charges before reporting the account negatively. The reporting of a charge-off and past due status simultaneously is misleading and may constitute double jeopardy in reporting. The balance, charge-off status, and dates listed are inconsistent with accurate account records and proper compliance with disclosure and notification procedures outlined in TILA. Therefore, I am demanding an immediate deletion of this account from my credit report due to its violation of my rights under federal law and its failure to reflect accurate and verifiable reporting standards. In accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate
and remove any unverifiable or inaccurate information. If this account can not be fully validated with full documentation within 30 days, it must be removed immediately.

Please provide me with a written response confirming the deletion or correction of this account, along with an updated copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Nelnet, Inc.
State: SC

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against [ XXXX XXXX XXXX ], XXXX, XXXX, and XXXX  for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

# # # Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation