vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I filed formal disputes with [ XXXX/Equifax/TransUnion ] regarding inaccurate and unverifiable accounts. The bureau failed to validate or remove the items within the 30-day window mandated under FCRA 1681i. I also received no documentation or explanation of the method of verification. This noncompliance has negatively impacted my creditworthiness and prevented me from qualifying for an FHA mortgage. I am requesting immediate deletion of the disputed items and compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint to report the continued failure of the credit reporting agencies to properly investigate and resolve inaccurate payment history reporting on my consumer credit file. This marks my third formal dispute regarding this issue. 

I first submitted my dispute over XXXX  days ago, followed by a second dispute, yet to this day, I have not received any valid documentation verifying the legitimacy of the reported late payment. The disputed account continues to reflect negative information that I believe to be inaccurate and potentially a result of billing errors, which falls under violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). 

This complaint is being submitted directly by me, XXXX XXXX XXXX, not through any third party. Under 15 U.S. Code 1666 ( b ), this late payment may be classified as a billing error due to : Failure to properly post or credit a timely payment ; Accounting or computation error by the creditor ; Failure to send a billing statement at least 21 days before the due date, which invalidates the reporting of a late payment. 

Disputed Account : Late Payment ( Open ) XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To date, I have not been provided with any documentation or evidence supporting this derogatory information. Therefore, I am demanding : A full reinvestigation of the account ; Disclosure of the method of verification, including the name and contact details of the furnisher ( s ) ; Immediate removal or correction of any unverifiable or inaccurate payment history.

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 2025-07-25 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: MA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting this formal complaint against Equifax, Experian, and TransUnion for failing to properly investigate and correct inaccurate payment history information reflected in my credit reports. Despite submitting multiple disputes, including XXXX over 35 days ago, followed by a second formal submission, I have yet to receive any legitimate documentation verifying the accuracy of the reported late payments. 

This dispute has been submitted personally and directly by me, XXXX XXXX XXXX, without the involvement of any third party. I am asserting my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), which require that the credit bureaus maintain accurate and complete consumer information and conduct lawful reinvestigations of disputed data. 

Despite these obligations, the following accounts continue to reflect inaccurate late payment history : Disputed Accounts : DEPT OF EDUCATION/XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Late Payment ( Open ) DEPT OF EDUCATION/XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Late Payment ( Open ) Nature of the Dispute : These reported late payments may constitute billing errors under 15 U.S. Code 1666 ( b ) due to the following issues : Failure to properly credit on-time payments Accounting or processing errors by the creditor Failure to send billing statements at least 21 days prior to the due daterendering any reported late payments legally invalid Violations by the Credit Bureaus : To date, none of the XXXX major bureaus have : Provided the method of verification used for these disputed entries Identified the name and contact information of the data furnishers Supplied any supporting documentation used to justify the continued reporting of the late payments These omissions are clear violations of : 15 U.S.C. 1681i ( a ) failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 7 ) failure to provide method of verification upon request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: AL

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 XXXX 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 2025-07-25 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: NC

Complaint narrative:
Alleged Account - XXXX # XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
To Whom It May Concern, I am in receipt of a letter marked " Final Notice '' dated [ Insert Date from Letter ], demanding payment in the amount of {$2800.00}. I hereby dispute this alleged debt in its entirety pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, and I formally request full validation and verification of the debt. 
To be clear, I do not acknowledge this debt and request that all collection efforts immediately cease until the following is provided : XXXX. The name and address of the original creditor, including account number and amount claimed. 
XXXX. If this debt was purchased or transferred, the full chain of ownership from the original creditor to your agency. 
XXXX. A copy of the original signed contract or agreement showing I am legally responsible for this debt. 
XXXX. The date of last payment, and the date the account allegedly became delinquent. 
XXXX. A full account history with an itemized breakdown of all charges, fees, interest, and any adjustments. 
XXXX. Explanation and documentation proving how any added amounts are legally authorized. 
XXXX. A copy of the last billing statement from the original creditor before your agency began collection. 
XXXX. If any payments or adjustments have occurred, show the dates, sources, and amounts of each. 
XXXX. Proof that your agency is legally permitted to collect this debt in North Carolina. 
Until this information is provided, please : - Cease all collection efforts, including calls or letters. 
- Do not report this account to any credit bureau or take XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I applied with a trade XX/XX/year> at XXXX XXXXXXXX XXXX XXXXXXXX XXXX Tx. I was offered XXXX for the trade and they said that XXXX go to government. But when i got the bill if sale it didn't have any stating XXXX for government it was just they gave XXXX for trade and the truck i trade was more valued. After signing I was not allowed to take the car home that day. I ask can I take the contract home over the weekend to read it before I signed it and was told at the dealership no cuase it's illegal. I ask why it was illegal for me to take the contract home and I was not given a clear answer. They had me there from XXXX something tell around XXXX when they where XXXX XXXX XXXX They where bring me the wrong contracts with different cars on it. Had me signing power of attorney form. So I end up picked the jeep up XX/XX/year>. The financing company was was westlake financial service. So I started doing administration process with them to instruct them to apply the security interests to the car payment which they never responded back to me until months later. I received many calls from them wanting payment for a consumer credit transaction, and I've sent numerous of tender of payment methods which they refused to accept. They got a repossession company calling my phone I told them to stop. Now as it is i was never told about that it was a secured transaction and they never told me they was transferring my application fraudulent. Was never told I could resend the contract never told me they where the borrowers borrowing against my name they never ask me or explained to me about surety. They didn't have good faith with me i didn't have the capacity to contract. I just learned what all this is and still learning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Immediate deletion of the dismissed XXXX  XXXX bankruptcy ( XXXX XXXX. XXXX ) from my credit report, as the court confirmed they do not report this information and verification has not been provided. 

Update or remove all accounts that were included in the bankruptcy to reflect accurate status such as Included in Bankruptcy and ensure they do not show any charge-offs, late payments, or derogatory remarks after the bankruptcy filing date. 

Provide documentation verifying the source of the bankruptcy reporting. If verification can not be produced, permanently delete the entry in compliance with FCRA 1681i ( a ). 

Provide a written confirmation and updated credit report reflecting the changes within the required timeframe. 

These actions are necessary to ensure my report is accurate and in full compliance with the Fair Credit Reporting Act.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA

Complaint narrative:
I filed formal disputes with XXXX regarding inaccurate and unverifiable accounts. The bureau failed to validate or remove the items within the 30-day window mandated under FCRA 1681i. I also received no documentation or explanation of the method of verification. This noncompliance has negatively impacted my creditworthiness and prevented me from qualifying for an FHA mortgage. I am requesting immediate deletion of the disputed items and compliance with federal 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 non-monetary relief
Consumer complaint received 2025-07-25 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: VI

Complaint narrative:
Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer report may be furnished with the written instructions of the consumer. I did not provide such written authorization for this use of my credit report. Furthermore, under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), information solely reflecting transactions or experiences between the consumer and the person making the report is excluded from the definition of a consumer report only when not provided by or to a consumer reporting agency. If the reported account consists only of direct transactions with me and is not subject to third-party verification, it may not be legally reportable in certain contexts. I request a review of this reporting for compliance with the FCRA and deletion if it does not meet the statutory criteria.

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 2025-07-25 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: NJ

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 rectify these issues. 

Account name : XXXX  XXXX Account number : 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 2025-07-25 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: DE

Complaint narrative:
I am requesting that Experian remove the inaccurate late payment entries from my credit file for the following accounts, due to the failure of the creditors to provide proper notice prior to reporting delinquency : XXXX Account Number : XXXX XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), furnishers and credit bureaus are required to report only accurate and verifiable information. I was never notified of any upcoming due dates, late notices, or delinquency alerts by the creditor depriving me of any chance to remedy the issue before it was reported. 

Therefore, I am requesting that Experian : Reinvestigate the accounts listed ; Demand that the furnishers provide dated, verifiable documentation that prior notice was sent ( mail or electronic ) ; If such proof can not be furnished, delete the late payment ( XXXX ) from my report entirely ; Send me a written confirmation of the outcome and an updated copy of my Experian credit file within XXXX business days. 

If Experian does not comply, I am prepared to escalate this to the FTC, my state Attorney General, and pursue a private legal claim under FCRA 616 for noncompliance. 

My only demand is an accurate and lawfully maintained credit report nothing more, nothing less.

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 2025-07-25 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: AL

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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