vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: IL

Complaint narrative:
There was a auto loan received in my name that had XXXX of my exes name added to the account and I did not authorize no auto loan or even for her to get a car using my 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 2025-06-02 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:
Because of a recent data breach, my credit file has been compromised by unauthorized accounts. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within XXXX days : 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 XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-06-02 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: WA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-06-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To Whom It May Concern : Subject : Formal Dispute of Inaccurate Credit XXXX XXXX XXXX XXXX / XXXX XXXX XXXX I am submitting this formal dispute to challenge the accuracy and consistency of account information being reported on my credit file by XXXX XXXX XXXX, as shown on my reports from Experian, Equifax, and TransUnion. The reporting across these three agencies shows multiple discrepancies in status, payment history, and balance details that violate the Fair Credit Reporting Act ( FCRA ), which requires data to be accurate, complete, and consistent. 



Disputed Account Information : Creditor Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number ( Last 4 digits ) : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$740.00} Status Across Bureaus : Disputed / Collection / Open Dispute Status : Account information disputed by consumer Specific Reporting Inconsistencies : Experian : Shows a past due amount of {$740.00} and labels the account as a collection account with an update as of XX/XX/XXXX. 
Equifax : Lists it as a collection account, but without a past due balance, with different monthly reporting and inconsistent update dates. 
TransUnion : Marks the account as open with no payment history, no past due, and only indicates that its under consumer disputeagain, with differing dates. 

These conflicting details across all three credit bureaus demonstrate a failure by the furnisher ( XXXX XXXX XXXX / XXXX XXXX XXXX ) to ensure accurate and consistent reporting, which is a direct violation of the FCRA, particularly 623 ( 15 U.S. Code 1681s2 ).

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 2025-06-02 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: Kikoff Inc.
State: TX

Complaint narrative:
I am now filing a formal complaint because Kikoff has failed to provide adequate proof or respond with validation, and continues to XXXX affect my XXXX XXXX. I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and possibly the Fair Debt Collection Practices Act ( FDCPA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: CA

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 2025-06-02 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1900.00} INQUIRIES : 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 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 non-monetary relief
Consumer complaint received 2025-06-02 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
this company XXXX XXXX were appearing on my credit report fradulently, so i filed a complaint with the credit bureaus as well as disputed the negative items on my credit report in 2021, they were removed because of fraud, the company XXXX XXXX then sold the information to a company called XXXX XXXX, who i requested a company of the master promissory note to prove fraud which they sent me threw the mail, i filed a police report based on that fraudulent documentand the credit bureaus again remove it from my credit report, XXXX XXXX was shut down for illegally depriving students the opportunity to file fraud on the loans as well as steering borrowers into costly repayment options. XXXX then sold my information to another company by the name of AIDVANTAGE who are now appearing on my credit report, ive requested the master promissory note which they've failed to provide, these accounts are fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
on square on saturday XX/XX/year> I made a few sales that was total XXXX then on Sunday I earned XXXX. I was at a convention selling video games. The first sell I had was over XXXX XXXX I have an email from the guy who purchased the games after trying to sell me a video game XXXX system. XXXX says my account was deactivated for doing something unsupported and will not say anything further then that. I bought the square reader from XXXX and used that to do 4 transactions and then this happens and they are saying they are holding my money for 90 days and there isn't anything they can do to change this...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To Whom It May Concern : Subject : Formal Dispute of Inaccurate Credit XXXX XXXX XXXX XXXX / XXXX XXXX XXXX I am submitting this formal dispute to challenge the accuracy and consistency of account information being reported on my credit file by XXXX XXXX XXXX, as shown on my reports from Experian, Equifax, and TransUnion. The reporting across these three agencies shows multiple discrepancies in status, payment history, and balance details that violate the Fair Credit Reporting Act ( FCRA ), which requires data to be accurate, complete, and consistent. 



Disputed Account Information : Creditor Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number ( Last 4 digits ) : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$740.00} Status Across Bureaus : Disputed / Collection / Open Dispute Status : Account information disputed by consumer Specific Reporting Inconsistencies : Experian : Shows a past due amount of {$740.00} and labels the account as a collection account with an update as of XX/XX/XXXX. 
Equifax : Lists it as a collection account, but without a past due balance, with different monthly reporting and inconsistent update dates. 
TransUnion : Marks the account as open with no payment history, no past due, and only indicates that its under consumer disputeagain, with differing dates. 

These conflicting details across all three credit bureaus demonstrate a failure by the furnisher ( XXXX XXXX XXXX / XXXX XXXX XXXX ) to ensure accurate and consistent reporting, which is a direct violation of the FCRA, particularly 623 ( 15 U.S. Code 1681s2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To Whom It May Concern : Subject : Formal Dispute of Inaccurate Credit XXXX XXXX XXXX XXXX / XXXX XXXX XXXX I am submitting this formal dispute to challenge the accuracy and consistency of account information being reported on my credit file by XXXX XXXX XXXX, as shown on my reports from Experian, Equifax, and TransUnion. The reporting across these three agencies shows multiple discrepancies in status, payment history, and balance details that violate the Fair Credit Reporting Act ( FCRA ), which requires data to be accurate, complete, and consistent. 



Disputed Account Information : Creditor Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number ( Last 4 digits ) : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$740.00} Status Across Bureaus : Disputed / Collection / Open Dispute Status : Account information disputed by consumer Specific Reporting Inconsistencies : Experian : Shows a past due amount of {$740.00} and labels the account as a collection account with an update as of XX/XX/XXXX. 
Equifax : Lists it as a collection account, but without a past due balance, with different monthly reporting and inconsistent update dates. 
TransUnion : Marks the account as open with no payment history, no past due, and only indicates that its under consumer disputeagain, with differing dates. 

These conflicting details across all three credit bureaus demonstrate a failure by the furnisher ( XXXX XXXX XXXX / XXXX XXXX XXXX ) to ensure accurate and consistent reporting, which is a direct violation of the FCRA, particularly 623 ( 15 U.S. Code 1681s2 ).

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 2025-06-02 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: OH

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$17000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-02 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: Sunnova Energy Corporation
State: NY

Complaint narrative:
My information was used without my permission to sign up for a solar panel lease. I filed a police report for identity theft and provided it to both the company and XXXX. However, the company refuses to take my name off of the account and XXXX  failed to conduct a proper investigation into my complaint. I've since filed a complaint with the Attorney General 's office.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$36000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
Account XXXX XXXX  # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Oliphant United, Inc.
State: PA

Complaint narrative:
The company sent me a letter, but it does not clearly state that the account was settled according to the agreement. It also does not confirm that the account will be updated on my credit report to reflect that the balance is {$0.00} or that the debt is resolved. As a result, it is still being reported inaccurately, which is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
Credit acceptance open a closed account closed in XX/XX/year> my hearing with us bankruptcy court XXXX was in XX/XX/year> and all accounts were XXXX I have court documents of XXXX accounts including credit acceptance XX/XX/year> credit acceptance intentionally reopened XXXX account reflecting derogatory on my credit report I contacted ceo both. Of credit acceptance 6 days ago with no response cfpb and attorney general XXXX filed suit against this same company for unfair practices and consumer fraud credit acceptance has no regard for the courts decision

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