vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: KS

Complaint narrative:
My identity was compromised in XXXX of XXXX and I have a bunch of credit enquiries on my credit that are NOT MINE. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 All of these NEED to be REMOVED! Along with that a family member had opened XXXX car loans in my credit without my permission. These accounts were paid in full adn closed but are still FRAUDULENTLY being reported to my credit! 


XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 


XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

These XXXX Paid and Closed loans ARE NOT MINE. The lenders do not have any documents with my valid signature!

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 2025-04-14 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:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my
consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud.

I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights unde
r Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-04-14 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: EdFinancial Services
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX : XX/XX/year> SS : XXXX ED Financial Account # : XXXX Dispute Under FCRA 611 ( a ) ( 1 ) ( A ) Request for Deletion of Student Loans Due to XXXX XXXX XXXX Data Breach I am writing to formally dispute the reporting of certain student loan accounts on my credit file, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ). These accounts were compromised as a result of the recent data breach involving the XXXX XXXX XXXX XXXX and its loan servicers. 

Due to this breach, my personal and financial data has been unlawfully accessed and exposed, placing me at a heightened risk of identity theft and financial harm. I believe the accuracy of the student loan data now reported by XXXX is unreliable and unverifiable. 

I request that these accounts be immediately deleted from my credit report under FCRA 611 ( a ) ( 1 ) ( A ) due to the inability to properly verify the integrity and legitimacy of the accounts following the data breach.

Please investigate this matter promptly and provide confirmation of the action taken. If no resolution is made within 30 days, I will escalate further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
This is a follow-up to XXXX. The USAA CEOs Office told me to re-submit the complaint if the vendor would not refund me as he initially said he would. I re-requested the training as instructed through XXXX XXXX, XXXX, which is what I originally paid for. When I learned that the training would be incomplete ( no official materials ), I contacted the vendor. The vendor then stated he would not provide the training, so I asked for the partial refund, he then said all offers are withdrawn. I have all the documents attached. He also send me a voice file, that appears to be two speakers talking about this issue as a joke and it is scary. Even the merchant says it is creepy. I have the original voice file. I have transcribed it for you. 

1. Transaction Details XX/XX/XXXX : Paid {$3400.00} for XXXX XXXXackage, including : 5-day course ( scheduled XX/XX/XXXX ) Official XXXX materials ( student kit/books ) Exam XXXX XXXX. Material Breach of Contract Undelivered Services : Course repeatedly delayed and never delivered XXXX XXXX materials provided ( per XXXX XX/XX/XXXX written confirmation ) No exam XXXX issued Merchant Admission : XXXX XXXX email XX/XX/XXXX : " Our ONLY mistake was not offering the CISSP class from XXXX sooner '' XXXX. Harassment & Bad-Faith Tactics ( New Section ) Threat to Cease Communication : XX/XX/XXXX Email : " This is my last email to you, as you will be GHOSTED '' Demonstrates refusal to engage in good-faith resolution Unprofessional Retaliation : Unsolicited AI audio file ( transcript attached ) sent after dispute escalation Served no business purpose ; intended to intimidate 4. Failed Resolution Attempts Partial Offers Later Revoked : {$690.00} refund offered XX/XX/XXXX, then rescinded XX/XX/XXXXXXXX XXXX training ( irrelevant to original purchase ) Denied Disputes : USAA ( XXXX XXXX ) : Claim denied FL Attorney General : Neutral decision, referred for legal action 5. Relief Requested Full refund of {$3400.00} for : Breach of contract ( undelivered services ) Unfair/deceptive practices ( FTC Act 5 ) CFPB Action : Investigate VCSGs : Pattern of false advertising ( BOAST program ) Retaliatory harassment of consumers Attachments Payment receipt ISC2 non-payment confirmation XX/XX/XXXX email ( ghosting threat + admission ) AI audio transcript Original documents submitted in 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 2025-04-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I viewed the dispute results from XXXXXXXX XXXX XXXX  my credit report still has numerous errors and erroneous information. The account by the name XXXX XXXX XXXX switched their name on my credit report to XXXX XXXX XXXX which is also inaccurate reporting. I XXXX  the address it states XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX. They are in violation of FCRA 1681s-2 ( b ) ( 1 ) ( c ) by being misleading and knowingly giving the FCRA inaccurate information. I understand that Experian has been sued by CFPB for not doing proper investigation and mines was not properly investigated. 15 U.S.C code 1681i ( 5 ) ( ii ) stated this information must be promptly deleted. I have attached the true address of this company. The address and name of this account differs from my credit report in result is inaccurate reporting. This is a clear violation of 15 U.S Code 1681e ( a ) & 15 U.S code 1681e ( b ) Accuracy of report Identity. 
XXXX XXXX XXXX is also in Violation of the privacy act 1974 5 USC 552a. I did not give written consent to share my information. ( see attached laws ) They are also in Violation of California Family Code 5611 I never received any written contract, nor did I sign a contract. They are also in Violation of California family 5614 ( 4 ) Safeguard records violation of California family code 5614 ( 3 ) sections 1788.10 to 1788.16 ( see attached laws ) They also Violated of 15 USC 1692j ( a ) They are also in violation of 45 CFR 302.35 ( ii ) The XXXX XXXX shall not release information from the computerized support enforcement system required under part 307 of this chapter, IRS information, or financial institution data match information, nor shall the XXXX XXXX forward a non-IV-D request to another State IV-D agency. 
15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions. XXXX XXXX XXXX is not a creditor extending credit. Under 15 U.S.C 1692g ( a ) I want this debt validated. I am also requesting documents. A signed contract bearing my signature. State Child Support Enforcement ( IV-D ) Private Collection Agency ( PCA ) Policy states I have a right to request the license and bond of XXXX XXXX XXXX being a debt collection company or contractor with the government. I have also attached proof that XXXX XXXX XXXX not having a license to collect and that is a violation of 1692 ( e ) ( 8 ). Experian Transunion and equitable all have different payment history, date of delinquency, and account names. 

Delete this inaccurate misleading account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consume
r, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: Westlake Services, LLC
State: VA

Complaint narrative:
I am disputing a charged-off account from Westlake Financial in the amount of {$3600.00} that is currently reporting inaccurately on my credit report. I did not receive proper notice or full validation of this debt prior to it being reported or sent to legal collections. Despite my attempts to resolve or dispute the account, it remains on my report and is actively harming my life. 

This account is now being pursued in court ( with a court date scheduled ), while simultaneously being disputed, which I believe violates my rights under the FCRA and FDCPA. Reporting or collecting on a debt that is under formal dispute is a deceptive practice. 

In addition to the legal pressure, this inaccurate and unverifiable reporting is directly blocking my access to safe housing. I was denied approval for an apartment based solely on this charge-off, even though it is under investigation and not legally validated. 

I am requesting the CFPB take immediate action to : Investigate Westlake Financial and their reporting practices Have this account suppressed or removed from all credit bureaus during the dispute Stop Westlake from continuing collections or legal threats until full validation and proper investigation are completed This account was flagged by a tenant screening agency, XXXX, and used to deny me housing. XXXX relied on this inaccurate data without proper investigation or clarification, compounding the harm caused by XXXX XXXX reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: Denali Capital Holdings, LLC
State: TX

Complaint narrative:
I have been actively trying to resolve an issue with the original creditor, XXXX XXXX. When I contacted them, they informed me that they no longer own the account in question and therefore could not verify any details regarding it. I was told that the account had been sold to Denali Capital , LLC, a collection agency, and that XXXX XXXX was no longer responsible for it. Despite this, XXXX XXXX has continued to report the account on my credit report, even though they claimed they had transferred ownership and responsibility to Denali Capital. I was advised by both XXXX XXXX and Denali Capital that if I paid the outstanding debt to Denali Capital, the account would be removed from my credit report entirely. Based on this guidance, I decided to pay the full amount to Denali Capital in good faith, with the understanding that the collection account would be deleted afterward. During the payment process, Denali Capital confirmed that once the debt was paid, the item would be removed from my credit report as promised. However, after fulfilling my obligation and completing the payment, I was later told that because XXXX XXXX no longer owns the account, they would not be responsible for removing it even though they continue to report it each month as if they still do. This has caused confusion and frustration, as I took all necessary steps to resolve the debt based on the information given to me, and I am now seeking to have the incorrect credit reporting addressed and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: DE

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-04-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: KEYCORP
State: KS

Complaint narrative:
hi, my loan requires flood insurance, which we provided. key bank asked for excess flood and business insurance. They have a option to apply for a waiver, where you submit XXXX policies showing the policies are to expensive, and not obtainable. we applied from inception of the loan, and the XXXX term and were approved through email. I have emails, clearly stating that we were approved. while we were in process of submitting XXXX policies for XXXX term, i received a email saying please pay XXXX XXXX dollars for forced place insurance. I contacted the bank, and provided the emails and other evidence clearly stating that we were approved, and since there story has changed XXXX times. I asked for notices, XXXX  day notice and XXXX day notice which is federal law, and they have not provided. now i get my escrow analysis, and it has XXXX for forced insurance put into my payment.i asked how did you get from XXXX to XXXX, now bank stopped answering my emails. please advise how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation