vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint against Experian, Equifax, and TransUnion for violations of the Fair Credit Reporting Act. 

After reviewing my credit reports through XXXX, I discovered multiple inaccurate and unverifiable accounts and personal information that require immediate correction. I formally disputed these items and requested a lawful reinvestigation pursuant to 15 U.S.C. 1681i ( a ). This complaint also serves as a request for the method of verification and a full consumer file disclosure under 15 U.S.C. 1681e ( b ), 1681g, and 1681i.

This is not a vague or frivolous dispute. I provided sufficient identifying documentation and lawfully authorized a third-party service to submit my dispute. Despite this, the credit bureaus failed to perform a reasonable and good-faith reinvestigation into all disputed information, including every associated data field, code, and reporting element, as required by federal law. 

The disputed tradelines are reporting inaccurate or unverifiable information. If any portion of an account, including balance, status, payment history, remarks, or date opened, can not be verified as accurate, the bureaus are legally required to delete the tradeline entirely under 15 U.S.C. 1681i ( a ) ( 5 ).

The credit bureaus are also required to follow reasonable procedures to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ), conduct a proper reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ), and provide a clear method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). These obligations have not been met.

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 2025-12-19 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:
I am submitting this complaint to report serious violations of the Fair Credit Reporting Act ( FCRA ) by the credit reporting agencies ( Experian & TransUnion ) regarding inaccurate, misleading, and internally inconsistent reporting on my consumer credit file. Despite my right to a complete and accurate credit report, the bureaus continue to publish information that is contradictory, unverifiable, and harmful to my credit profile. 

Specifically, my credit report reflects inconsistent reporting for a XXXX XXXX XXXX XXXX XXXX XXXX Account No. XXXX ). This account is reported as closed and paid as agreed, yet simultaneously displays late payment history, consumer dispute remarks, and conflicting payment percentages and months reviewed across different sections of the same report. An account can not logically be reported as closed in good standing while also reflecting unresolved derogatory payment information. This type of contradictory reporting demonstrates a failure to maintain reasonable procedures to assure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ).

Additionally, my credit report reflects inaccurate reporting for a XXXX XXXX  auto loan ( Account No. XXXX ). Although the account is closed with a XXXX balance, the credit bureaus continue to report a XXXX late payment while also showing the account as as agreed. This conflicting status is misleading and has a negative impact on my creditworthiness. If the alleged late payment can not be fully verified with proper documentation, its continued reporting is unlawful under the FCRA. 

I have made good-faith efforts to dispute these inaccuracies directly with the credit bureaus. However, the inaccurate information remains, indicating that the bureaus either failed to conduct a reasonable reinvestigation or continued to rely on unverifiable data furnished by creditors. This ongoing failure violates 15 U.S.C. 1681i and has caused measurable financial and reputational harm.

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 2025-12-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identifi ed as an affected consumer and received notice of the breach. Because my SSN and other identifi ers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 

These derogatory accounts have damaged my credit standing and impaired my ability to obtain fi nancing. Because TransUnion allowed my identifi ers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appear on my fi le.

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 2025-12-19 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: IL

Complaint narrative:
On XX/XX/year>, TransUnion publicly confirmed a data breach that exposed consumer names, Social Security Numbers, and dates of birth. I was identifi ed as an affected consumer and received notice of the breach. Because my SSN and other identifi ers were compromised, I am disputing negative accounts that appear on my TransUnion credit report. I do not authorize TransUnion or any furnisher to report or share inaccurate, unverifiable, or fraudulent information on my file. These accounts may be the result of misattribution or identity theft caused by the breach. 

These derogatory accounts have damaged my credit standing and impaired my ability to obtain fi nancing. Because TransUnion allowed my identifi ers to be exposed, I am concerned that unauthorized access, mismatching, or fraudulent activity is the reason these tradelines appear on my fi le.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a dispute for all XXXX credit bureaus for an account called XXXX that is listed on my credit report. I contacted the company and found out that they are a residential solar panel provider. The account was in good standing at the time, but I have never purchased solar panels, nor do I own an house to be able to provide solar panels for. The company requested that I dispute any account issues with the bureaus themselves, which I did. All of them declined the dispute. I found out that a missed payment was reported on this account, so I tried to dispute it again on XXXX. I was again, unsuccessful. I need this account removed from my credit report. It was never opened by me or my ex spouse, and I have no knowledge of the contract or agreement that was signed to secure this debt.

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 2025-12-19 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: TX

Complaint narrative:
On XX/XX/year>, I submitted a dispute for all XXXX credit bureaus for an account called XXXX that is listed on my credit report. I contacted the company and found out that they are a residential solar panel provider. The account was in good standing at the time, but I have never purchased solar panels, nor do I own an house to be able to provide solar panels for. The company requested that I dispute any account issues with the bureaus themselves, which I did. All of them declined the dispute. I found out that a missed payment was reported on this account, so I tried to dispute it again on XXXX. I was again, unsuccessful. I need this account removed from my credit report. It was never opened by me or my ex spouse, and I have no knowledge of the contract or agreement that was signed to secure this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I'm currently service through Westlake Portfolio, who stated they do not have my original contract from the original lein holder XXXX XXXX XXXX who went bankrup in XX/XX/XXXX. When XXXX XXXX XXXX who went bankrupt. They transferred my loan to Westlake Portfolio who I didn't know about until a few months later. By that time, my account was behind because I had no clue on how to make my payments. I currently owe about XXXX XXXX XXXX on a XXXX XXXX XXXX. I ask for my original contract because something is not adding up. Why do I owe so much? And plus why is my interest rate so high? They have still yet to provide me with a copy of my contract. When I call in the call center in XXXX, they stated they do not have my contract on file. Westlake portfolio daily late fees, I feel like I will never get out of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
My car was repossessed after I made my monthly payment of XXXX. They offered me a settlement of {$4000.00} in order to recover the vehicle, the rep also stated I owe {$13000.00} and by paying 30 % of that amount to settle my account which would be {$4000.00} that I would have to pay in order to get the vehicle back. My original financed amount was {$19000.00}. I made 51 payments of XXXX which states on my payment history and that I only owe {$9200.00}. I asked the rep if I could settle for a lesser amount they told me that they cant take anything less than {$4000.00}. They are charging me : Beginning Principal Balance : {$19000.00} Outstanding Principal : {$9200.00} Outstanding Interest : {$1900.00} Outstanding Fees : {$2200.00} Total Outstanding Balance : {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this as a formal dispute regarding multiple inaccuracies currently appearing on my Equifax, Experian and TransUnion credit report. Upon reviewing my report, I have identified several XXXX accounts that are inaccurately reported, with incorrect balances, account opening dates, last payment dates, and late payment information. These inaccuracies misrepresent my financial history and are causing significant harm to my creditworthiness, access to credit, and overall financial reputation. I am requesting a thorough reinvestigation and immediate correction and updating of all inaccurate information in full compliance with the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), 611 ( 15 U.S.C. 1681i ), 623 ( a ) ( 2 ), 605 ( a ), and 609 ( 15 U.S.C. 1681g ). 


The incorrect reporting of these XXXX accounts suggests that I have payment delinquencies and obligations that do not correspond with my actual financial history. This misrepresentation can result in adverse credit decisions, higher interest rates, denial of credit, and other financial harm. The repetitive nature of the discrepancies, with multiple accounts reporting identical last payment dates and overlapping balances, raises serious concerns regarding the accuracy and verification procedures of the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX FL, XXXX XX/XX/year> NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX, GA XXXX Re : Dispute of Apartment Collection Account Inaccurate Reporting To Whom It May Concern, I am writing to formally dispute an account listed on my credit report. The account is reported by The XXXX XXXX XXXX XXXX. This account is inaccurate and unfairly reported. After I vacated the apartment, I was never provided with a final due date, or opportunity to pay the alleged balance prior to the account being reported to the credit bureau.

I did not receive : * A notice of when payment was due * Any written communication indicating the balance would be reported to collections Reporting this account without providing proper notice or a reasonable opportunity to resolve the balance is misleading and does not accurately reflect my payment history.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that you investigate this matter and remove or correct the inaccurate information. Please provide verification of the debt, including documentation showing when I was notified of the balance and given a due date.

If the furnisher can not provide proof that proper notice was given prior to reporting, I request that this account be removed from my credit report immediately.

Thank you for your prompt attention to this matter. I look forward to your response within the required timeframe. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Did not receive written communication of debt. Debt is being misreported and reaged illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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:
Equifax marked the XXXX XXXX  XXXX credit card account XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as verified after my dispute. However, objectively inaccurate late payment history remains, demonstrating that Equifax failed to conduct a reasonable investigation as required by law. 

Key unresolved inaccuracies Unverifiable late payment chronology : Equifax reports XXXX late payments in months that do not match the months reported by XXXX  and XXXX  for the same account. A single account can not have multiple, conflicting delinquency timelines. At least one version must be inaccurate, and Equifaxs data is not independently verifiable, violating FCRA 611 ( a ) ( 1 ) and 1681e ( b ).

Failure of reasonable reinvestigation after dispute : Despite being notified of these inconsistencies, Equifax verified the account without correcting or deleting the inaccurate late payments. Verifying information that can not be reconciled with other CRA data constitutes a failure to meet the Maximum Possible Accuracy standard under FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account does not belong to me and is being reported on my file in error.

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 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: CT

Complaint narrative:
In accordance with the Fair credit reporting act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. westlake financial account 1 # : XXXX reported on XXXX, XXXX, and XXXX on the last bureau frstprogress account 2 # : XXXXXXXX XXXX XXXX reported on XXXX and on XXXX on another bereuo, 15 U.S.C. 1681 section 602 A : states i have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) : a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reason to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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: TX

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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:
Company : XXXX XXXX, XXXX Account # XXXX Issue : Incorrect information on credit report I am filing this complaint regarding inaccurate and misleading credit reporting by XXXX XXXX, XXXX. 

XXXX is reporting a closed installment account with a {$0.00} balance as delinquent, including a 90 days past due status on TRANSUNION and delinquency language on EQUIFAX, despite the account being closed and paid. 

The reporting is inconsistent and misleading. While the account is shown as closed with no balance owed, it continues to be coded with a derogatory delinquency status. Additionally, the payment history grid reflects on-time indicators, and states EXCEPTIONAL PAYMENT HISTORY which contradicts the delinquent status being reported. 

This creates a materially misleading representation of my credit history and fails to meet the Fair Credit Reporting Acts requirement for maximum possible accuracy. Information presented in a misleading or confusing manner is inaccurate under FCRA 1681e ( b ) and 15 U.S.C. 1681s-2 ( b ) I am requesting that XXXX correct the account status to accurately reflect a closed, paid account without any delinquent designation, or delete the account entirely if it can not be reported accurately and consistently across consumer reporting agencies. 

Attached are my TransUnion and Equifax credit reports demonstrating the inconsistent and misleading reporting. 

Submitted by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you take a careful look at this entry? It might be wrong.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: LA

Complaint narrative:
I had the revvi card for XXXX weeks I made exactly two purchases one for {$110.00} for a TV from XXXX XXXX that did not work I got a refund then I spent a dollar on a XXXX trial and they charged me for the month I disputed it I was told the card was deactivated and I did not owe anything until the dispute was over and they were sending me a new card I did not receive the card I called back I saw that there was a late payment on my credit report which I did not have to pay because it was in dispute and the card that was deactivated was now maxed out I paid the {$140.00} I was told to pay and was told I would get a new card disputed all charges and I still have not gotten the card I paid the balance and they promised me it would come off of my report which it has not and I have documentation

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation