vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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 is reporting XXXX collection/charge-off accounts on my credit report that I believe are inaccurate, incomplete, and possibly the result of data discrepancies stemming from wider data breaches that continue to affect consumer reporting accuracy nationwide. These accounts are : XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ), dated XX/XX/XXXX, with a balance of {$1500.00}. 

XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX ), dated XX/XX/XXXX, with a balance of {$5000.00}. 

I dispute the accuracy and current verifiability of both entries. Equifax is obligated under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. XXXXi, to ensure that any negative information reported is fully accurate, not misleading, and verified through a reasonable reinvestigation process. The XXXX account has remained unchanged despite prior disputes, and the recent entry from XXXX appears without clear documentation or original creditor verification. The presence of these charge-offs without complete and accurate supporting data raises concerns about whether Equifax is meeting its legal duties as a consumer reporting agency. 

Errors of this nature often result from outdated reporting practices or data integrity issues caused by large-scale data breaches, a known vulnerability in the credit reporting ecosystem. Such breaches can lead to incomplete or inconsistent entries that severely impact consumers ' creditworthiness and financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: IL

Complaint narrative:
The car is extremely overPRICED. PER XXXX XXXX XXXX XXXX XXXX between XXXX & XXXX. Balance XXXX, i paid XXXX towrds the car. 

On XX/XX/22 i called & spoke with rep advising that i will make XXXX first week of XXXX. 
On Monday XXXX my car was repossed. They now will not accept my balance due XXXX. THEY ARE trying to extort originally XXXX now XXXX from ME to get my vehicle back. 

Westlake Financial Services

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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 non-monetary relief
Consumer complaint received 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information on my credit report. I tried to fix the problem with Transunion, XXXX, and XXXX  but the information keeps coming back as verified as accurate. I do not understand how the information can be verified as accurate when all 3 of the credit bureaus are reporting different information. If all 3 credit bureaus information does not match, then it's impossible for the information to be accurate. This proves to me that the credit bureaus and the data furnisher was all negligent in their investigation or did not actually investigate the problem. I have been disputing this account since XXXX and the information on this account is still inaccurate. The data furnisher and all 3 credit bureaus are in violation of FCRA law Section 623 ( a ) ( 15 U.S.C. 1681s-2 ( a ) ) which states " If a furnisher discovers that previously reported information is incomplete or inaccurate, they must promptly correct or update that information. '' I have given all 3 credit bureaus proof of inaccurate information, and they have failed to correct the problem. I will once again state all the inaccuracies on this account. XXXX  with account number XXXXXXXX XXXX XXXX XXXX XXXX is reporting ACCOUNT STATUS Derogatory for TransUnion and XXXX  but Paid with XXXX. DATE OPENED is reporting XX/XX/XXXX with XXXX and XXXX but XX/XX/XXXXXXXX  with TransUnion. NO. OF MONTHS ( TERMS ) is reporting 60 with TransUnion and XXXX  but 1 with XXXX. HIGH CREDIT is reporting {$12000.00} with TransUnion and XXXX  but {$13000.00} with XXXX. LAST REPORTED is reporting XX/XX/XXXXXXXX  with TransUnion, XX/XX/XXXX with XXXX, and XX/XX/XXXX with XXXX. DATE LAST ACTIVE is reporting XX/XX/XXXX with TransUnion, XX/XX/XXXX with XXXX, and XX/XX/XXXX with XXXX. DATE OF LAST PAYMENT is reporting XX/XX/XXXX with TransUnion, XX/XX/XXXX with XXXX, and XX/XX/XXXXXXXX  with XXXX. Also, how can the date of last payment be newer than the date last active on the account? This a red flag for reporting errors or even re-aging of debt, which is illegal under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX is reporting inaccurate information on my credit report. I tried to fix the problem with XXXX, XXXX, and Equifax but the information keeps coming back as verified as accurate. I do not understand how the information can be verified as accurate when all 3 of the credit bureaus are reporting different information. If all 3 credit bureaus information does not match, then it's impossible for the information to be accurate. This proves to me that the credit bureaus and the data furnisher was all negligent in their investigation or did not actually investigate the problem. I have been disputing this account since XXXX and the information on this account is still inaccurate. The data furnisher and all 3 credit bureaus are in violation of FCRA law Section 623 ( a ) ( 15 U.S.C. 1681s-2 ( a ) ) which states " If a furnisher discovers that previously reported information is incomplete or inaccurate, they must promptly correct or update that information. '' I have given all 3 credit bureaus proof of inaccurate information, and they have failed to correct the problem. I will once again state all the inaccuracies on this account. XXXX  with account number XXXXXXXX XXXX XXXX XXXX XXXX is reporting ACCOUNT STATUS Derogatory for XXXX  and Equifax but Paid with XXXX. DATE OPENED is reporting XX/XX/XXXX with XXXX and Equifax but XX/XX/XXXX with XXXX. NO. OF MONTHS ( TERMS ) is reporting 60 with XXXX and XXXX  but XXXX with Equifax. HIGH CREDIT is reporting {$12000.00} with XXXX and XXXX but {$13000.00} with Equifax. LAST REPORTED is reporting XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX, and XX/XX/XXXX with Equifax. DATE LAST ACTIVE is reporting XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX, and XX/XX/XXXX with Equifax. DATE OF LAST PAYMENT is reporting XX/XX/XXXX with XXXX, XX/XX/XXXX with XXXX, and XX/XX/XXXX with Equifax. Also, how can the date of last payment be newer than the date last active on the account? This a red flag for reporting errors or even re-aging of debt, which is illegal under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: MD

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint regarding a collection account that has been placed on my credit report without my knowledge or consent. A company I do not recognize ; I.C. System inc. has reported a collection account in the amount of {$420.00}, and this is negatively impacting my credit. 

What makes this situation particularly troubling is that the company never contacted me in any wayno calls, emails, letters, or any attempt to reach outprior to reporting this alleged debt. I have no knowledge of who this company is or what this debt is for, and I strongly believe this entry is either in error or potentially fraudulent. 

This collection account is unfairly damaging my credit profile, and it should not have been reported without prior communication or validation. I respectfully request that this matter be investigated and that this collection account be removed from my credit report Thank you for your attention to this matter.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion is falsely and inaccurately reporting an eviction against my credit report which is preventing me from renting. 

Transunion informed me that the leasing company XXXX reported I was evicted in XXXX of XXXX. I then contacted the leasing agent at XXXX, because I currently reside at this residence and have since XX/XX/XXXX, and informed them that I am being falsely accused of being evicted and it is showing on my credit report with Transunion. The leasing agent confirmed I was never evicted and provided me with the following supporting documents : Ledger and Lease Agreement. I provided these documents to Transunion, and emphasized how this inaccurate report was causing a major life inconvenience as my current lease with XXXX ends XX/XX/XXXX and I am being denied the opportunity to rent a new property because of this inaccuracy. 

The new property I am attempting to rents leasing agent spoke with me and advised I needed to request a Case Dispute Report from Transunion to provide them with, and when I requested said document Transunions representative told me he was unable to provide me with that documentation and could only give me a case number. When I requested to be transferred to a supervisor, he advised he could not transfer me and would have a supervisor contact me within 24 hours.

It has now been over 24 hours with zero contact from a Transunion supervisor, and when I called back urging to speak to one, I was then told that it could take up to 48 hours to hear back from a supervisor. 

Due to this inaccurate reporting of a false eviction, I was denied the opportunity to rent a property I had already paid application fees for. Transunion has done nothing to escalate this issue and remove the inaccurate information in the same speedy manner in which they applied it to 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 2025-06-04 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair 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 non-monetary relief
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
I am writing regarding fraudulent accounts resulting from a data breach that has affected my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block these accounts within 4 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 NY XXXX XXXX delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXXXXXX Date : 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 2025-06-04 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: FL

Complaint narrative:
Following a serious data breach, fraudulent accounts have been added to my credit report. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their removal and blocking within 4 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 FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 2025-06-04 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: IL

Complaint narrative:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 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 XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please delete and block the following accounts from my credit report Accounts 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 XXXXXX/XX/year>

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 2025-06-04 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: IL

Complaint narrative:
I am requesting the removal and blocking of fraudulent accounts added after a data breach compromised my personal information. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please act within 4 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 XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please delete and block the following accounts from my credit report Accounts 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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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 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 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 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
CONTACTED ALL CREDIT ORGANIZATIONS AND CREDITOR TO REMOVE DEBT NOTHING HAPPENED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: OH

Complaint narrative:
I was looking at my credit to make sure it was still in a healthy condition and I found some inaccurate information I need to be removed asap,

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 2025-06-04 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I was looking at my credit to make sure it was still in a healthy condition and I found some inaccurate information I need to be removed asap,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
On XX/XX/year> I contacted this company by phone and request information regarding this account that has been reported to my credit report for the amount of {$310.00}. 

Can I please receive the following information : 1- Flow of agreement 2- Transfer of assignment bill 3- Bill of sale 4- Original contract 5- Has this debt been securitized?

You can email this information. 

Further information should be sent by mail. 

Please verify the mailing address you have on file for my account. 

Thank you! 
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