vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American First Finance, Inc.
State: GA

Complaint narrative:
XXXX is reporting late payments on a XXXX account thats already paid. I asked for proof, and they sent a XXXX contract that has nothing to do with it. They are mixing customer accounts and reporting false information. I want this deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to dispute a hard inquiry on my credit report. I believe this inquiry 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
On XX/XX/year>, I opened an account with Sun Loan. My first payment was due on XX/XX/year>. 
I checked my credit report today and Sun Loan reported a late payment for XXXX with XXXX  and XXXX. A late payment was reported with XXXX  for XXXX. 

This dropped my score significantly. I sold my previous home and am currently under contract on a new home. This has caused a major situation and I am no longer able to get approved because of this score drop due to an inaccurate reporting. 

I had an old Sun Loan and was never late on that one. I am including the payment history that I got from Sun Loan. As you can see, I have not been late and this needs to be corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
On XX/XX/year>, I opened an account with XXXX  XXXX. My first payment was due on XX/XX/year>. 
I checked my credit report today and XXXX  XXXX reported a late payment for XXXX with Equifax and XXXX. A late payment was reported with Experian for XXXX. 

This dropped my score significantly. I sold my previous home and am currently under contract on a new home. This has caused a major situation and I am no longer able to get approved because of this score drop due to an inaccurate reporting. 

I had an old XXXX  XXXX and was never late on that one. I am including the payment history that I got from XXXX  XXXX. As you can see, I have not been late and this needs to be corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My bankruptcy should not show because it has been over ten years. I would like to have the bankruptcy removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

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 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 2025-06-20 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: CA

Complaint narrative:
I am writing to dispute inaccurate and damaging information listed in my Experian credit file. Under 15 U.S.C. 1681i, you are required to conduct a good-faith, reasonable reinvestigation of any disputed data. Additionally, under 1681g, I request full disclosure of all data sources and verification documents associated.

It has come to my attention that Experian has recently been subject to enforcement action by the Consumer Financial Protection Bureau ( XX/XX/2025 ) for engaging in sham investigations and failing to properly respond to valid consumer disputes. I have reason to believe that my prior dispute ( s ) may have been similarly mishandled.

Accordingly, I demand the following : 1. Immediate deletion of the disputed tradeline ( s ) if not fully verified. 
2. A detailed description of your reinvestigation process and the identity of any furnisher contacted, pursuant to 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Disclosure of any contracts, instruments, or written agreements relied upon in the course of verification. 
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 explanation
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items.

I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
Im writing to demand the immediate removal of a fraudulent account that has been reported under my name. This account was opened without my knowledge, without my consent, and without my authorization. It is the result of unauthorized use of my identity in other words, fraud and it has absolutely nothing to do with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: CORELOGIC INC
State: NJ

Complaint narrative:
PLEASE DELETE THE FOLLOWING UNAUTHORIZED HARD INQUIRIES : Please apply the true protection necessary required under the Privacy Act and have each of these financial institutions have on file either a hard copy signature authorization, or at the very least an e-signature authorization. If these documents are not available, please delete the inquiry. In cases where the inquiry is listed past the 24-month maximum timeline, please remove it based on those grounds. In some cases, an inquiry will not have true originality. As in this case, this institution kept pulling multiple hard-hit inquiries without a legitimate business need or continuous authorization. This is truly a violation under the Fair Credit Reporting Act inquiry authorization compliance protocol. Written Authorization : creditors must procure authorization on each request for advancement of credit, and the language in credit applications to ensure clear consent and to have a record of it. Privacy : The FCRA aims to protect consumer privacy by imposing limitations on who can obtain consumer reports and for what reasons. Violations : Obtaining a consumer report without a permissible purpose is a violation of the FCRA. In summary, for creditors, the FCRA Inquiry Authorization Section primarily relies on the permissible purpose of the inquiry, which is generally established when a consumer initiates a credit transaction, such as applying for a loan or credit card. Every hard inquiry in the case of this creditor does not exist. The appropriate measure is the deletion of the inquiry permanently. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I received 7-8 text messages, withing 1 minute, demanding I log into my email and click a link to identify myself. The information stated that I had until XXXX to do so, however, when I clicked the link so that I would be able to understand what was necessary, it prompted for my ID ( which was already on file ), yet the camera did not load properly and there was no option to upload from my files. I closed the window in order to refresh, and was immediately told my account is now closed because I was acting fraudulent ; I had submitted a claim against what I believe to be a scamming " gaming '' app, but was accused and defamed. Not only was I falsely accused of fraud without cause, I defamed to my kids whom were sponsored through the service by me. No other information other than being told they no longer were going to investigate my claim for theft and that their decision to remove my account is final was available. No explanation, no actual cause, just them seeing an opportunity to take money that was already taken from me, and wanting to keep it ; while using their status to belligerently defame and fraudulently accuse me for their own gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: OK

Complaint narrative:
XXXX XXXX services has on my trans union bureau a collection for {$2600.00} I have never signed a contract or agreed to any business with them and according to the law they have to remove it

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TX

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Inaccurate and damaging information is being reported on my XXXX  credit file, including two charge-offs, accounts sold with derogatory remarks, and late payments that occurred during a period of medical hardship and divorce. Despite my efforts to resolve these issues, the reporting remains unverifiable, incomplete, or unfairly damaging under the FCRA. I have attached documentation and legal references supporting my request for each item. These issues began in XXXX  and have continued despite my recovery and resumption of timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NC

Complaint narrative:
l 'm disputing this information reporting on my credit report as a charge off ( if applicable ) directly with you, which is in compliance with Section 623 ( a ) ( 8 ) ( D ) of the FCRA. If you can not verify the disputed information because you've sold the account ... Then you are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA. I am demanding deletion or I will be submitting a complaint to the CFPB.

I also asked for original contract with my live signature ensuring this debt belongs to me and never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I am a victim of identity theft. My Experian credit report is currently listing a fraudulent account under the name XXXX XXXX, account number XXXX, with a balance of {$980.00}. This account was not opened or authorized by me. I submitted a formal FTC Identity Theft Report ( # XXXX ) and requested its immediate removal in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 and Regulation V, 12 C.F.R. 1022.3 ( i ). 

Despite submitting a valid identity theft report and a written request with all supporting documents ( ID, proof of address, sworn statement ), Experian has failed to block or delete the fraudulent information within the timeframe required by law ( four business days ), as mandated by the FCRA.

This is a direct violation of : 15 U.S.C. 1681c-2 ( a ) Failure to block fraudulent data from identity theft.

15 U.S.C. 1681e ( b ) Failure to ensure maximum accuracy.

15 U.S.C. 1681i Failure to conduct a proper reinvestigation.

15 U.S.C. 1681b No permissible purpose exists for reporting an account obtained fraudulently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 2025-06-20 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 2025-06-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: CT

Complaint narrative:
XX/XX/XXXX I was in moter vehicle accident, my car was a total loss the insurance company all state works with copart that handles total loss. In order to pay the car off the remaining balance of XXXX they need the finance company to provide a copy of original title. The finance company that I financed my car through sold the company to another finance company and they never submitted the proper paperwork to change the title in my name and take it out the previous owner name. So they did not have a title or anything linked with my name for me to be able to finish the accident claim and get paid off. So I had to go to mother vehicle and pay and sign for a loss title. The title was produced the beginning of XXXX and the first finance company received the title she scanned it emailed a copy to me and the new finance company as well as mailed the title via fed ex and almost XXXX weeks later the new finance company still hasnt received the title Im still trying to get the car and rest of the loan paid off all of this is from both finance companies neglecting to do proper paperwork on my vehicle. Ive been suffering me and my XXXX children XXXX a single mom of XXXX the insurance covered my rental for 1 month I been struggling paying almost XXXX $ a week out of pocket to enterprise just to be able to get me and my kids to and from work and school for 4 months this has tooken a toll on my life and it has made me and my kids suffer for almost 5 months still not getting anywhere with these people. Pleas can you help me and my children I am begging you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NY

Complaint narrative:
There is to many inquiries that was not made by me. Most of these inquiries are to the same company which do not make since to apply to the institute over and over. I made a request to join XXXX XXXX in XXXX XXXX XXXX and XXXX in XXXX. Someone is using my name and information to apply to these institutions

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