vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion still can not removed the late payment from almost 7 years ago from my house that was paid in full by XXXXXXXX XXXX This is the only account that affects my credit report. Is this Transunion 30 day plus late payment on a seven year-old paid in full account then theres a collection for {$610.00} which still remains only on Transunion it has been verified and proven and has been removed from all other agencies, XXXX and XXXX. Its a medical bill that does not belong to me which was proven and removed yet you guys can not get this together. My credit report does not reflect late payments or anything of that sort. I pay everything on time and have 100 % payment history across every single other agency you guys are affecting my credit report over something for XXXX thing was not my fault nor had anything to do with me the {$610.00} collection in the late payment from almost 7 years ago on an account that was paid in full. XXXX XXXX has even agreed to remove that payment of being late and they have told the other agencies its up to them XXXX and XXXX did it as a courtesy and they removed it but you guys will not for some reason youre holding onto a late payment affecting somebodys life over an account that was paid in full XXXX years ago it needs to be updated to closed paid full never late or ever it needs to be worded paid full closed never late in the late payment needs to be removed. Its been almost 7 years. Help me out, please.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to formally file a complaint against the three major credit reporting agencies Experian, TransUnion, and Equifax and any affiliated or sister agencies reporting, storing, or tracking my personal data through these platforms. 

These entities are in violation of my rights under several federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and relevant statutes within the Uniform Commercial Code ( UCC ) and United States Code ( USC ). 

I am disputing the continued reporting of false, inaccurate, and unverifiable information on my credit reports. I am formally requesting the following : Full validation of every account reported to Experian, TransUnion, and Equifax, including : Original contracts bearing both parties signatures. 

Complete accounting ledgers and payment histories. 

Chain of Agreement/Assignment. 

Original Promissory Notes. 

Documentation of any Insurance Claims associated with the debt. 

Copies of all investigation reports related to past disputes I have submitted. 

Identification and validation of all third-party agencies or furnishers who are : Reporting or tracking my personal credit data. 

Benefiting financially from my credit report or inquiries. 

Responsible for unauthorized inquiries made without my consent. 

A complete accounting ledger from any agency or platform that profited from the access or use of my credit data, including for promotional or soft inquiries. 

Removal of all obsolete personal information, including outdated : Names Addresses Phone numbers Validation of all inquiries, specifically unauthorized hard and soft credit checks that may have resulted in unjust financial benefit or violation of my privacy. 

This continued reporting of unverifiable data without proper documentation violates : 15 U.S.C. 1681e ( b ) ( FCRA ) failure to maintain accuracy.

15 U.S.C. 1692g ( b ) ( FDCPA ) failure to provide debt validation.

15 U.S.C. 1681n and 1681o civil liability for willful or negligent noncompliance.

UCC 3-501 demand for presentment and validation of alleged debts.

UCC 1-308 reservation of rights without prejudice.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to formally file a complaint against the three major credit reporting agencies Experian, TransUnion, and Equifax and any affiliated or sister agencies reporting, storing, or tracking my personal data through these platforms. 

These entities are in violation of my rights under several federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and relevant statutes within the Uniform Commercial Code ( UCC ) and United States Code ( USC ). 

I am disputing the continued reporting of false, inaccurate, and unverifiable information on my credit reports. I am formally requesting the following : Full validation of every account reported to Experian, TransUnion, and Equifax, including : Original contracts bearing both parties signatures. 

Complete accounting ledgers and payment histories. 

Chain of Agreement/Assignment. 

Original Promissory Notes. 

Documentation of any Insurance Claims associated with the debt. 

Copies of all investigation reports related to past disputes I have submitted. 

Identification and validation of all third-party agencies or furnishers who are : Reporting or tracking my personal credit data. 

Benefiting financially from my credit report or inquiries. 

Responsible for unauthorized inquiries made without my consent. 

A complete accounting ledger from any agency or platform that profited from the access or use of my credit data, including for promotional or soft inquiries. 

Removal of all obsolete personal information, including outdated : Names Addresses Phone numbers Validation of all inquiries, specifically unauthorized hard and soft credit checks that may have resulted in unjust financial benefit or violation of my privacy. 

This continued reporting of unverifiable data without proper documentation violates : 15 U.S.C. 1681e ( b ) ( FCRA ) failure to maintain accuracy.

15 U.S.C. 1692g ( b ) ( FDCPA ) failure to provide debt validation.

15 U.S.C. 1681n and 1681o civil liability for willful or negligent noncompliance.

UCC 3-501 demand for presentment and validation of alleged debts.

UCC 1-308 reservation of rights without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
They violated my right as consumer under 15 usc 1681b and i need this account blocked and deleted off my credit report as soon as possibble XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account number for the loan : 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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
experian sent me a fraud alert and i contacted experian to let them know that i did not approve of the inquiries reported in my name and experian report # XXXX. 
on XXXX XXXX  XXXX  and on XXXX XXXX XXXX requested a view of my crdit profile both or not mine i have a id thief claim attached

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries arXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Recently I looked at a copy of my credit report and notice several inaccuracies on my account. This is hurting my ability to obtain credit. It is mt understanding that you will investigate these items for me to ensure its accuracies. Here is the item I am asking you to verify it accuracies : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was double charged by american express in XXXX XXXX and XXXX XXXX. I filed a dispute {$480.00} was deposited to my XXXX account on XX/XX/year>. On the same day, there was a {$480.00} adjustment bill charged to my account and was forced to pay it again bec they are not giving it back. So they technically rebill me for the amount they refund which is a double charged in the first place. I am calling evry other week and they always tell me to give 7-10 days to have an answer but until kow they they did not do any action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX LIC NO : XXXX Expiration : XX/XX/XXXX XX/XX/XXXX XXXX XXXX RE : Debt Validation Request for Account XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to formally dispute a collection account reported by your agency under Account XXXX XXXX XXXX XXXX XXXX XXXX, originally tied to XXXXXXXX XXXX XXXX This collection recently appeared on my credit reports through XXXX Experian, and XXXX with a balance of {$1600.00} and listed as derogatory. I am asserting that this debt is fraudulent and do not acknowledge any contractual agreement or obligation to pay this amount. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide full debt validation, including competent evidence bearing my signature to prove that I owe this debt. Until such documentation is received, I request that no further collection attempts be made and that the account not be reported to or remain on any consumer reporting agencies.

Reporting inaccurate or unverifiable debts violates FDCPA 807 [ 15 USC 1692e ] and may also constitute a violation of the Fair Credit Reporting Act ( FCRA ). If this debt can not be verified, you are required to request that it be permanently deleted from my credit reports with all three credit bureaus. 

Failure to respond within 30 days of receiving this letter will result in small claims legal action. I will seek up to {$5000.00} in damages for defamation, negligent enablement of identity fraud, and violations of the FDCPA and FCRA. You will be required to appear in a venue local to me, as you conduct business in my state. 
This letter serves as notice under 15 USC 1692g that I dispute the debt and any claim you may assert. This is a good-faith attempt to resolve the matter. 

Sincerely, 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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute inaccurate information contained in my credit report issued by Equifax. Equifax incorrectly reports a closed XXXX XXXX XXXXXXXX XXXX XXXX  ) credit card account opened on XX/XX/XXXX, and recently closed due to overdue payments. This account unequivocally does not belong to me. 

I only obtained my Social Security Number ( SSN ) in XX/XX/XXXX and subsequently began applying for and using credit cards to build my credit history. Prior to XX/XX/XXXX, my relationship with XXXX XXXX  XXXX was strictly limited to a checking account. Therefore, it is impossible that this XXXX credit card account opened in XXXX belongs to me. 

I previously submitted a dispute regarding this matter directly to Equifax. However, they denied my request, asserting incorrectly that this account is indeed mine. This conclusion by Equifax is unreasonable and flawed. Notably, XXXX XXXX XXXXXXXX approved a new credit card for me in XX/XX/XXXX with a credit limit of {$2200.00}. If I had previously held a delinquent credit card account with them, logically, they would not have approved this new credit card. 

The erroneous reporting by Equifax is significantly harming my credit profile and negatively impacting my financial opportunities. I kindly request the CFPB to intervene and require Equifax to correct this error immediately by removing the inaccurate account from my credit report. 

Thank you very much for your prompt attention to this serious matter. I look forward to your assistance in rectifying this issue swiftly. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I have financed the Used XXXX XXXX XXXX from XXXX XXXX XXXX Virginia on XXXX XX/XX/XXXX. The total price of the Car after Cash Price, XXXX XXXX XXXX, Goverment tax, License Fee, Registration Fee, Goverment Certificate of Title Fees and Dealers Processing Fee 's are $ XXXX. They offer me XXXX XXXX XXXX XXXX XXXX with Three options. After financed ladies too much force and because they sitting down for almost XXXX hours, I was agreed to signed for lowest plans which cost $ XXXX. All together total cost of XXXX $ XXXX 's the amount I am agreed and Signed the agreement with total $ XXXX. But I did not known the reputation of Westlake Financed until they gave the account access after 30 days. When I Sing In into my Westlake account the total was XXXX, Which I refused to agreed. I immediately contact customer service but she had know idea about the amount. Then next day on XXXX XX/XX/XXXX, I went to the dealership and I told them that you have forged my signature to manipute the XXXX XXXX. Then the Sales Manager XXXX XXXX came and try to conveinced me about the XXXX XXXX. I told him please cancelled the XXXX XXXX XXXX XXXXXXXX XXXX  ( $ XXXX ) and refund the money to me, But he refused. After an hour of discussion, He gave me a copy of a form, Cancellation of XXXX XXXX XXXX XXXX XXXX $ XXXX and told me It will take XXXX to XXXX weeks for process on XXXX XX/XX/XXXX. But still my refund isn't process untill now. I am not driving the Used XXXX XXXX XXXX. I have return the car to the dealership on XXXX XX/XX/XXXX. All the event with the dealership, I had email to Westlake Financial and ask for investigation. Westlake Financial forcing to pay the $ XXXX. My last visit at dealership on XXXX XX/XX/XXXX, I involved the Local COPS to investigate. But Answer from dealership is they process the money, there are no clear answers from dealership. Westlake Financed tell me they have paid to the dealership. I am asking Westlake every day about the refund but there are no answers.

Please help me. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The debt collector in question has been involved in prohibited practices outlined by the FDCPA, which include abusive, deceptive, and unfair actions. They provided information about an account that I never agreed upon or signed any agreement for. A legal contract requires the participation of both parties, but I was not involved whatsoever. Furthermore, they failed to adhere to the proper five-step validation procedure, which constitutes unfair practices. As stated by the FDCPA, I am entitled to compensation of {$1000.00} per violation, and it is evident that my rights have been violated by their actions.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts are not mine they were open fraudently ( Identity Theft ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * {$11000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} Above referenced accounts are not mine no knowledge of such accounts, please verify and remove Also my address is XXXX XXXX XXXX. All others have no connection with me please remove XXXX ; XXXX all others please remove. 

Inquries i didnt give authorization fraudently inquiries remove all please

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are not mine they were open fraudently ( Identity Theft ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * {$11000.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17000.00} Above referenced accounts are not mine no knowledge of such accounts, please verify and remove Also my address is XXXX XXXX XXXX. All others have no connection with me please remove XXXX ; XXXX all others please remove. 

Inquries i didnt give authorization fraudently inquiries remove all please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 


Account Name : XXXX XXXX XXXX XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : UNKNOWN # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation