vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I visited a car dealership XXXX XXXX XXXX XXXX XXXX XXXX  ] in late 2024 to look at vehicles. I did not request or apply for financing, and I was not informed that a credit check would be performed. Despite this, the dealership submitted my personal information to several lenders without my permission. 

As a result, multiple unauthorized hard inquiries appeared on my credit report, including XXXX from XXXX XXXX dated XX/XX/year>, reported by XXXX. I never gave written or verbal consent for this inquiries. 

I contacted the dealership and requested a resolution, but they did not take any action. These inquiries are negatively affecting my credit score even though I never applied for credit. 

I am requesting the removal of these unauthorized inquiries and a formal investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: Westlake Services, LLC
State: TX

Complaint narrative:
I visited a car dealership XXXX XXXX XXXX XXXX XXXX XXXX XXXX in late XXXX to look at vehicles. I did not request or apply for financing, and I was not informed that a credit check would be performed. Despite this, the dealership submitted my personal information to several lenders without my permission. 

As a result, multiple unauthorized hard inquiries appeared on my credit report, including XXXX from XXXX XXXX dated XX/XX/year>, reported by XXXX I never gave written or verbal consent for this inquiries. 

I contacted the dealership and requested a resolution, but they did not take any action. These inquiries are negatively affecting my credit score even though I never applied for credit. 

I am requesting the removal of these unauthorized inquiries and a formal investigation into 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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1.

Account nameXXXX XXXX XXXXXXXX XXXX Account numberXXXX Please remove this inaccurate information from my credit report.

In accordance with the Fair Credit Reporting Act, I hereby request that you investigate and remove these items from my credit report.

It is my understanding that you will verify these items with the relevant creditor. Please eliminate any information that can not be verified by the creditor. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. Please provide me with an updated copy of my credit report at the aforementioned address. According to the act, there should be no fee for this updated report. Furthermore, I kindly request that you notify anyone who has received my credit report in the past six months of any corrections made. Thank you for your attention and assistance in resolving 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 2025-07-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
Due to a data breech I became aware on XX/XX/XXXX that the US Department of Education of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX had placed a delinquency statement on my XXXX  account beginning in XX/XX/XXXX. The department stated that they could not locate me thereby jumping straight to XXXX  which violated my right to dispute the alleged debt. However this is a bogus claim by the department as a simple XXXX XXXX  Go search brings up my current address ; I've lived at this address for the past 6 years. Moreover this alleged amount was XXXX on XX/XX/XXXX after I filed for XXXX  XXXX bankruptcy. The document stated that the debtor is released from all dischargeable debts. Subsequently a XXXX  XXXX bankruptcy was filed and the plan only included a monthly payment of {$110.00} for a secured debt. The XXXX  XXXX bankruptcy was XXXX on XX/XX/XXXX. 

The US Department of Education has tried to negatively affect my credit score and circumvent my right to dispute this debt. Experian easily accepted the department 's claim. I have disputed this alleged debt with Experian but they will not remove the department 's claim.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-15 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 XXXXXXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing an inaccurate 30-day late payment reported by XXXX XXXX on my Equifax credit report. The account is current and in good standing, yet the late mark does not reflect my actual payment history. I submitted a dispute under FCRA 611 and requested full verification, but no supporting documentation or method of verification has been provided. This reporting error has negatively impacted my credit standing and must be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
Inaccurate late payments ( 30 days ) are being reported by XXXX  and XXXX  for XXXX XXXX on an auto loan account opened in XX/XX/2024. This reporting is impossible. Equifax correctly shows the account as OK during the same period. I made timely payments and never received any delinquency notice from the creditor. 

The loan was opened on XX/XX/2024 ( XXXX/Equifax ) and XX/XX/2024 ( XXXX  ), so there could not have been a 30-day delinquency reported in those same months. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681i and 1681s-2, which require that information reported be accurate and verifiable. 

I am requesting that the inaccurate late payments be immediately removed from my credit file with XXXX  and XXXX, and that written confirmation of this correction be provided. Continued reporting of this false information may result in formal legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Ive been making monthly payments of {$390.00} since XX/XX/year> on a car that was totaled in an accident through no fault of my own. The at-fault partys insurance denied liability, and my limited insurance didnt cover the loss. I received no payout from either party. 

Despite the car being gone, Ive already paid over {$15000.00}, and Bridgecrest continues to demand full loan payment. They refuse to provide any hardship forgiveness, reduced settlement, or deficiency resolution. 

When I asked for assistance, I was told they dont do settlements and was only offered a payment plan for the entire remaining balance, which does nothing to address the fact that I no longer possess the car and have received no support. 

Ive been bounced between Bridgecrest and XXXX with no resolution. Im under severe financial strain, and I feel Im being taken advantage of. Im requesting a review of this case for hardship forgiveness or a settlement resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: NV

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 XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 explanation
Consumer complaint received 2025-07-15 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting 10 consecutive late payments on my credit report, from XX/XX/XXXX through XX/XX/XXXX. I have provided bank statements showing two payments per month to XXXX XXXX during that entire period- {$35.00} each, consistently reflected on my XXXX  XXXX XXXX statements. These payments were made on time, yet XXXX XXXX has not corrected the inaccurate reporting. 
I have already disputed this issue directly with the credit bureaus and contacted XXXX XXXX multiple times by phone, letter, and email, requesting both clarification and correction. Despite my efforts, XXXX XXXX continues to report these late payments as valid, without reviewing the evidence I submitted. 
I am requesting the CFPB to review this matter, as these reported delinquencies are inaccurate and are causing unjust harm to my credit profile.

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 2025-07-15 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:
XXXX XXXX is reporting 10 consecutive late payments on my credit report, from XX/XX/XXXX through XX/XX/XXXX. I have provided bank statements showing two payments per month to XXXX XXXX during that entire period- {$35.00} each, consistently reflected on my XXXX  XXXX XXXX statements. These payments were made on time, yet XXXX XXXX has not corrected the inaccurate reporting. 
I have already disputed this issue directly with the credit bureaus and contacted XXXX XXXX multiple times by phone, letter, and email, requesting both clarification and correction. Despite my efforts, XXXX XXXX continues to report these late payments as valid, without reviewing the evidence I submitted. 
I am requesting the CFPB to review this matter, as these reported delinquencies are inaccurate and are causing unjust harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NH

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion immediately block and permanently remove multiple fraudulent accounts, including a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported on XX/XX/2019 with a {$0.00} balance XXXX XXXX  and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported on XX/XX/2019 with a {$0.00} balance XXXX XXXX that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX data breach. 
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of credit cards opened at XXXX on XX/XX/2019 under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX on XX/XX/2019 under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  both showing balances of {$0.00}. These accounts have also resulted in multiple unauthorized hard inquiries and have negatively impacted my credit profile. I did not authorize or initiate these accounts, and they are not connected to any legitimate financial activity on my part. I demand that these fraudulent items be permanently deleted from all of my consumer credit reports and that all related collection activity cease immediately in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-07-15 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: PA

Complaint narrative:
Immediately and permanently delete the fraudulent account listed as XXXX XXXX ( Account Number : XXXX ) from my credit report. 

Block all identity theftrelated data under FCRA 1681c2 within the 4-business-day legal window, as I have already submitted my FTC Identity Theft Report, government-issued ID, Social Security card, and proof of address.

Provide a corrected, updated copy of my consumer credit report showing the account has been removed. 

Send written confirmation of the deletion and blocking of the fraudulent account. 

Failure to take these actions will result in escalation to the FTC, XXXX, Attorney Generals office, and legal action for damages under FCRA 616.

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