vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Date : XX/XX/year> XXXX XXXX ( Acct XXXX ) RE : XXXX XXXX XXXX XXXXnt Number : N/A Amount Reported : {$2500.00} To Whom It May Concern : This letter is a formal notice to dispute the validity and enforceability of the above-referenced alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), I am requesting comprehensive debt validation and verification of ownership of this account. 

Specifically, I demand that you provide the following documentation : XXXX. A full itemized breakdown of the alleged debt, including principal, interest, fees, and any payments made. 
XXXX. The original signed contract or agreement bearing my signature that legally binds me to this obligation. 
XXXX. The complete chain of title showing all assignments, sales, or transfers of this account from inception to present. 
XXXX. Proof that you are the current legal owner of the debt and not merely a servicer or third-party collector. 
XXXX. A copy of the Pooling and Servicing Agreement ( XXXX ) if this debt was securitized, including the Schedule of Loans or Receivables. 
XXXX. The name, address, and XXXX of the current creditor or trust that legally owns this account. 
XXXX. Copies of XXXX XXXX XXXX or XXXX, if applicable. 

Please be advised that if this debt has been securitized or sold to an asset-backed trust, your company may no longer have standing to collect, report, or pursue legal action. Any attempt to do so without proper documentation constitutes a material misrepresentation and may result in legal action for violations of the FDCPA, FCRA, and TILA. 

You must cease all collection activities and reporting to consumer credit agencies until full and proper validation is provided. Failure to respond within XXXX days XXXX result in a complaint being filed with the CFPB, FTC, and the XXXX XXXX XXXXXXXX XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my XXXX XXXX were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF XXXX XXXX XXXX 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, 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 2025-07-06 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF XXXX XXXX XXXX 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, 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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am disputing a XXXX  account from Westlake Portfolio Management  XXXX XXXX being inaccurately reported to XXXX. The account was charged off in XXXX, yet the credit report now shows the debt as past due as of XX/XX/XXXX. This is a clear case of re-aging, which misleads lenders into thinking the debt is more recent than it is, and unfairly extends the time it stays on my XXXX XXXX. I already submitted a dispute with XXXX, and they verified this incorrect info. XXXX requesting that the account be either deleted or updated to reflect the correct date of first delinquency and XXXX, in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NY

Complaint narrative:
UPON OPENING MY CREDIT REPORT I REALIZED THAT THERE WERE UNAUTHORIZED FRAUDULENT INQUIRIES ON MY CREDIT REPORT. XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-06 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: CA

Complaint narrative:
Addendum to CFPB Complaint No. XXXX Equifax 's XXXX to Disrespect and Violate my Rights my fraudulent statements, How come the CFPB isn't doing anything about this. This is my XXXX Response in regards to this matter, as well as a response to Equifax 's False Statement Narrative to continue to be negligent by keeping me bound by lies and Deceit. 

This is a formal rebuttal to the XX/XX/year>, response from Equifax Information Services LLC, which materially misrepresents the substance of my complaint. 

At no point in CFPB Complaint No. XXXX did I allege that I was a victim of human XXXX  as defined under XXXX XXXX. XXXX ( FCRA XXXX ) or XXXX XXXX. XXXX. XXXX response falsely reframes my dispute under that statutory category, which is not applicable and constitutes a procedural deflection. 

My use of the phrase identity-based trafficking referred specifically to the unauthorized access, transmission, and monetization of my personal and nonpublic financial information by Equifax and XXXX parties without my consent or a permissible purpose. That usage is distinct from and unrelated to a human trafficking claim as defined in the FCRA. 

The actual basis of my complaint rests on the following legal grounds : XXXX XXXX XXXX Equifax furnished and disseminated my consumer information without a lawful permissible purpose. 

XXXX XXXX. XXXX I submitted a valid fraud-based dispute for the blocking of information resulting from identity theft or deceptive practices. Equifax failed to comply with the statutory duty to block fraudulent information within the time limits required by law. 

XXXX XXXX. XXXX Equifax failed to properly reinvestigate the disputed item ( XXXX ), instead responding to a claim I never made. 

XXXX XXXX. XXXX, XXXX, and XXXX Equifax may be in violation of federal criminal statutes governing fraudulent use of identification and false representations made in a federal regulatory proceeding. 

The underlying issue involves a XXXX-party entity fraudulently mischaracterizing a credit extension as debt, coercing collection via Equifax reporting XXXX a contract, consent, or lawful consideration. I was issued credit, not cash, and repayment in kind was not possible yet the event was falsely reported as a delinquent debt, resulting in reputational and economic harm. 

I demand that Equifax be compelled to : Cease mischaracterizing this dispute as a human trafficking claim. 

Reinstate and complete a reinvestigation under XXXX. 

Immediately block and delete the fraudulent tradeline ( XXXX ) in accordance with XXXX. 

Failure to act in accordance with the actual statutory basis of my complaint constitutes continued noncompliance with the Fair Credit Reporting Act and warrants escalated regulatory enforcement. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF XXXX XXXX XXXX  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, 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 2025-07-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased furniture at XXXX XXXX on XX/XX/year>, for {$3700.00}. I told the salesperson I had the money in my bank account to pay in full, but they strongly encouraged me to use their promotional financing through Synchrony Bank. I was told that as long as I made monthly payments, I would not be charged any interest. I was led to believe that the monthly payments would be structured to fully pay off the balance during the XXXX promotional period, avoiding all interest. 

The paperwork stated that the balance must be paid off in XXXX years, and I believed the payment structure had been arranged to ensure that would happen. While I cant say for certain whether retroactive interest was mentioned, I didnt think it was relevant because I believed the payments were set up to satisfy the terms. I trusted that the system was correctly configured based on what I was told. 

I recently discovered more than XXXX  years later that I was still making monthly payments via automatic withdrawal and that my current balance is {$3200.00}. I was shocked. I had assumed the account was either paid off or nearly so. In fact, Ive been charged nearly {$3700.00} in interest, and I have already paid {$2400.00} of that interest all because the monthly payments were never properly structured to meet the XXXX payoff terms. Instead, Synchrony applied only minimum payments, which made it impossible to avoid interest charges. 

A Synchrony Bank employee named XXXX ( ID : XXXX ) informed me that XXXX XXXX was responsible for how the financing was set up at XXXX XXXX of sale. This reinforces my belief that I was misled during the purchase process and did not receive the fair or transparent lending experience I was promised. 

I have excellent credit, I do not live beyond my means, and I have paid my credit cards in full every month for XXXX I had the money to pay in full on the day of purchase and only used financing because I was explicitly told that I would not be charged interest if I made regular payments. This misrepresentation has now cost me XXXX XXXX XXXX I never should have paid. 

I should not owe any additional balance, and I am requesting a full refund of the interest Ive already paid under this misrepresented plan.

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 2025-07-06 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX 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, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: TX

Complaint narrative:
I opened the XXXX  account on XX/XX/XXXX and the XXXX  account on XX/XX/XXXX both serviced by Continental finance company. After being approved and accepting the credit card I was hit with unknown {$120.00} annual fees for XXXX  cards and another over {$100.00} fee. XXXX XXXX engaged in deceptive acts or practices by misrepresenting any type of fee to once the account is open. Its XXXX because you can not back out once they ran a hard credit check .This company also violated the Truth in Lending Act by requiring consumers to pay fees over XXXX percent of the credit limit during the first year after account opening. Also, I called in on the day of my due date to make a payment and they said that it was after XXXX XXXX XXXX time which I am in XXXX that they can not accept the payment for the due date because it was after the time. I was hoping that they would give me a courtesy, even though it was XXXX my time. The late fees are also criminal pain $ XXXX {$41.00} a late fees.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my XXXX XXXX  were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-06 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:
I want to file a complaint with the XXXX credit XXXX  regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX 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, 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 2025-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
This information is inaccurate and incomplete. I am requesting that this entry be investigated, and unless the furnisher can provide verifiable documentation of the debtincluding original signed contracts and full payment historythis item must be deleted from my credit file.

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 2025-07-06 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX 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 XXXX XXXX OR ALL ALLEGATIONS YET XXXX XXXXT OR UNPROVEN MINE, 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 2025-07-06 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: NC

Complaint narrative:
I paid the company off, the company is stating fraudulent information on my report. I paid this company off over 1 to 2 years ok, but keeps reporting that i have a balance. Once I paid them off, they still will not remove it from my credit report. Fraud and deceptive practices UAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-06 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:
In early XX/XX/XXXX, XXXX separate accounts appeared on my credit reports that I did not authorize, open, or recognize. 

The first is from XXXX XXXX XXXX ( account XX/XX/XXXXXXXX, balance {$660.00}, opened XX/XX/year> ). 

The second is from XXXX XXXX XXXX on behalf of XX/XX/XXXX( account # XXXX, balance {$2000.00}, opened XX/XX/year> ). 

The third is from XXXX XXXXXX/XX/XXXX, which is a closed account showing XXXX late payments. I had no involvement with this account and never applied for or authorized this loan. 

These are fraudulent accounts resulting from identity theft. I have filed a police report and submitted disputes with the credit bureaus. Despite these actions, all three companies continue to report these accounts as valid, causing ongoing damage to my credit and financial reputation. 

I have sent formal written disputes directly to all three companies demanding removal of the accounts and all associated reporting. As of this submission, none of the accounts have been removed. 

This situation is causing unnecessary stress, denial of credit, and reputational harm. I am requesting CFPB assistance in enforcing my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have these fraudulent accounts removed immediately.

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