vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-19 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
MY NAME IS XXXX XXXX, I AM SUBMITTING THIS COMPLAINT ON THE BEHALF OF MYSELF. THERE IS NO OTHER COMPANY DISPUTING ON MY BEHALF. PLEASE DO NOT SEND ME AN AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCLUDED. I am filing a formal complaint regarding unauthorized hard inquiries that have been placed on my credit report by the credit bureaus. I have recently reviewed my credit reports and discovered multiple hard inquiries that I did not authorize. These inquiries are negatively impacting my credit score and were added without my consent or any legitimate credit application on my part. Under the Fair Credit Reporting Act ( FCRA ), hard inquiries should only appear on my credit report when I have explicitly authorized a creditor to check my credit for a loan or credit application. Since I did not authorize these inquiries, I am requesting their immediate removal. I have attempted to resolve this matter directly with the credit bureaus, but they have failed to take corrective action. I am seeking the CFPBs assistance in ensuring these unauthorized inquiries are removed from my credit report and that the credit bureaus comply with federal regulations regarding credit reporting accuracy. Please advise on the necessary steps to escalate this dispute and protect my consumer rights. The accounts in question XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-03-19 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: MO

Complaint narrative:
I had a car loan through WESTLAKE FINANCIAL that began in XXXX. In XXXX, I voluntarily surrendered the vehicle due to hardship. The car was auctioned off and my balance with Westlake was {$2900.00}. On XX/XX/XXXX, I received a settlement offer from Westlake Financial that stated the following : " Our records show that you currently have a balance of {$2900.00}. For your convenience, Westlake is offering to settle this balance with a one-time payment of {$580.00}. To accept this offer, payment must be made with certified funds and received within fourteen ( 14 ) days from the date of this letter. Once you have fully performed under the terms of this offer, Westlake will close your account, release you from all your obligations with Westlake, and report your account as " Account Paid in Full For Less than Full Balance '' to the credit bureaus. '' On XX/XX/XXXX, just four days after receiving the offer, I reached out to Westlake Financial to take them up on the settlement offer, and made a payment of {$580.00}. I was told by the representative that my account would be closed within 10 business days. 

On XX/XX/XXXX, I received a notification that a collection agency, " XXXX XXXX XXXX '' had bought out my Westlake account, and that I now had a balance with them of {$2300.00}. I was also notified on the same day that XXXX had received a report from Westlake Financial that they had " charged off '' the amount of {$2900.00}, which is {$37.00} HIGHER than my original balance with Westlake. 

I have reached out to both Westlake Financial and XXXX XXXX XXXX to no avail. No one can help me. My credit is suffering due to these mistakes. 

Finally, I filed a dispute with XXXX on XX/XX/XXXX as a last ditch effort. Their investigation was ongoing until XX/XX/XXXX. They have not assisted in any way, and in fact made it worse, by changing my Westlake Financial account to say that {$3200.00} was " charged off '' instead of the original {$2900.00} that Westlake had reported as " charged off. '' I truly do not even know where this number came from. My balance with Westlake was never {$3200.00}. 

I have nowhere else to turn. No one will help me, and my credit is suffering due to the carelessness of these companies.

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 2025-03-19 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:
My name is XXXX XXXX I am filing a complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ) and for mishandling my credit report disputes.. Despite multiple written disputes sent on in XXXX Experian has : 1. Failed to conduct a proper investigation as required under 15 USC 1681e ( b ) 2. Reinserted or allowed inaccurate information to remain on my credit report without proper notification or reinvestigation, violating 15 USC 1681 ( 5 ).

3. Continued to report obsolete or inaccurate information in violation of 15 USC 1681c ( c ). 

These actions have directly harmed my ability to access credit, employment, and housing opportunities. 
Their negligence caused me significant financial harm, including denied credit opportunities, increased interest rates, emotional distress, and damage to my reputation. 

Additionally, I am aware of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian for similar violations, alleging sham investigations and failure to address consumer disputes effectively. This pattern of misconduct aligns with my experience and demonstrates systemic noncompliance with federal laws. 

Supporting Documents : I have attached copies of : My dispute letters sent to Experian. 
Proof of delivery for these letters. 
Copies of Experians responses ( or lack thereof ). 
Credit reports showing the disputed information. 

Thank you for your attention to this matter. 


Sincerely, 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 2025-03-19 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: OH

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

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 2025-03-19 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: MO

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
I totally fell victim for a predatory loan. I purchased a mattress for my daughter. Well I had no idea what I was about to get myself into, otherwise I never would have. I paid money a good amount to put down on it... thinking I would have less to pay and my payments would be low. Well the way I was told the cost would be and then what it changed to when I got signed up for ACIMA Leasing us the complete opposite. I had to just deal with it at the beginning because I have been working on building my credit in all types of ways and didn't want to mess any of that up with this horrible company. I purchased the mattress on XX/XX/year> ... which is actually my birthday as well. Well I have already had to purchase my daughter a new mattress with monthly payments. The mattress I have paid so much money on with ACIMA is literally flat as a pancake and really lumpy. I have paid {$630.00} and gave 5 more payments left but stopped paying on it in XXXX. It is horrible that I had to pay this much for a horrible quality product. I have seen so many horrible reviews about this company and even lawsuits! I want my money back. The fact that I had to take another credit account to buy my daughter a nice mattress is really sad! I am the only parent and not rich. But I pay my bills! I am just in disbelief about this whole issue! Acima is now sending emails and text telling me to pay the last 5 payments or they will report to credit etc ... How is this company allowed to do this to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am submitting this complaint to formally dispute inaccuracies in my credit report and to seek compensation from Experian for repeated violations of the Fair Credit Reporting Act ( FCRA ). My concerns are further supported by the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights Experians failure to adequately investigate consumer disputes and its improper reinsertion of inaccurate information into consumer reports. The following inaccuracies in my credit report require immediate correction or removal. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  FCU XXXX Balance : {$0.00} XXXX  XXXX  CREDIT XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/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 2025-03-19 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: IL

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 



Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

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 2025-03-19 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: IL

Complaint narrative:
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 



Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

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 2025-03-19 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action t remove or amend the disputed accounts as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-19 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: CA

Complaint narrative:
MY NAME IS XXXX XXXX, I AM SUBMITTING THIS COMPLAINT ON THE BEHALF OF MYSELF. THERE IS NO OTHER COMPANY DISPUTING ON MY BEHALF. PLEASE DO NOT SEND ME AN AUTOMATED RESPONSE! ALL DOCUMENTS WILL BE INCLUDED. 
I am filing a formal complaint regarding unauthorized hard inquiries that have been placed on my credit report by the credit bureaus. I have recently reviewed my credit reports and discovered multiple hard inquiries that I did not authorize. These inquiries are negatively impacting my credit score and were added without my consent or any legitimate credit application on my part. 
Under the Fair Credit Reporting Act ( FCRA ), hard inquiries should only appear on my credit report when I have explicitly authorized a creditor to check my credit for a loan or credit application. Since I did not authorize these inquiries, I am requesting their immediate removal. I have attempted to resolve this matter directly with the credit bureaus, but they have failed to take corrective action. 
I am seeking the CFPBs assistance in ensuring these unauthorized inquiries are removed from my credit report and that the credit bureaus comply with federal regulations regarding credit reporting accuracy. Please advise on the necessary steps to escalate this dispute and protect my consumer rights. 

The accounts in question XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/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 non-monetary relief
Consumer complaint received 2025-03-19 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: FL

Complaint narrative:
This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 non-monetary relief
Consumer complaint received 2025-03-19 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: CL Holdings LLC
State: CA

Complaint narrative:
I noticed an account on my credit report reported by JEFFERSON CAPITAL SYSTEMS LLC I did not authorize this entity to report any account under my name, nor do I have a contract with them that would provide them with a permissible purpose under the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681b ).

Company response to consumer: Closed with explanation