vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Re : Dispute of Inaccurate and Duplicate Credit Report Entries Dear Sir/Madam, I am writing to formally dispute certain information on my credit report that I believe to be inaccurate and/or improperly reported. Specifically, I have identified the following issues : - The same collection account has been reported XXXX times. 
- The repossession of my vehicle in XX/XX/year> has been reported twice. 
- Since the repossession, the account has been written off and charged off, but the multiple listings continue to negatively impact my credit score. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate, complete, and verifiable information. Duplicate or incorrect reporting constitutes a violation of my rights under the FCRA. 

Request for Action : I request that the following be investigated and corrected or removed from my credit report : - All duplicate entries for the same collection account. 
- Multiple reports of the vehicle repossession, ensuring only the correct, final entry remains. 
- Any outdated or erroneous entries related to this account. 

Please conduct a thorough investigation and provide me with the results of your findings. Under the FCRA, you are required to complete your investigation within 30 days of receipt of this letter and provide me with a written statement of the results. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-08-05 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S 1666 and 15 U.S 1666 ( b ) Late payments XXXX XXXX XXXX XXXX XXXX ) : XXXX, XXXX and XXXX XXXX XXXX to XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX Collection - XXXX  paid full Hard Inquiries : XX/XX/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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
I am writing this dispute against experience, transition and Equifax information reported on my credit report. concerning XXXX XXXX  loan, account number XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1991, all information reported must be accurate, complete. 
Details of the Disputed Account Account Number : XXXXXXXX XXXX  Creditor : XXXX XXXX Reported Status : Collection/Chargeoff, Unpaid Ballance Last Payment Date : XXXX/XXXX/XXXX Balance Owed : {$0.00} Dispute My records, along with documentation of my recent payment made on XX/XX/XXXX, indicate that this account has been paid in full. However, the current credit report reflects that the account is still unpaid or has a collection/chargeoff status. Under the FCRA, I request that this account be updated to correctly reflect the paid status with a balance of XXXX. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that your agency investigate this matter within 15 days of receipt of this leter. I request it be updated refiect. the correct status as " Paid '' and " Closed. '' FCRA, credit reporting agencies and furishers are required to report accurate, complete, and verified information ( 15 U.S.C. 1681e ( b ) ). Consumers have the right to dispute any inaccurate or incomplete information and request its correction or deletion ( 15 U.S.C. 15811 ).

Furthermore, 15 U.S.C. 1681s-2 requires fumishers of credit information to update or correct the data they provide to credit bureaus upon notification of inaccuracies.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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 am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX OF 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 UNAUTHORIZED INQUIRIES : XXXX 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 2025-08-05 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Check system brought and traded my information for monetary gain without my consent, which is identity theft

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: GA

Complaint narrative:
WESTLAKE PM is falsely reporting on my credit. I have never had any accounts with them. Per my research WESTLAKE PM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX & XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

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 2025-08-05 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please update the latepayment accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: NE

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided Due to my information being exposed, I have submitted a FTC complaint reporting the info i am not familiar with. Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national datebreach and a Validation of debt Letter.

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 2025-08-05 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-05 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : 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 - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Subject : Final Complaint PRAs Illegal Collection and Reporting of Account # XXXX To Whom It May Concern, I am currently being sued by Portfolio Recovery Associates , LLC ( PRA ) over an alleged debt from XXXX Bank account # XXXX. 

PRAs lawsuit relies on a generic, incomplete Bill of Sale and a single credit card statement. This does not establish legal ownership or standing, and their actions violate the FDCPA and FCRA. 

Major Deficiencies : The Bill of Sale is not account-specific, contains no name or account number, and is signed after the transfer date by a third party ( XXXX XXXX XXXX XXXX not PRA.

PRA did not include the Master Sale Agreement.

PRA never provided a full accounting, original contract, or terms and conditions. 

I have disputed this account and PRA continues to report it without proper verification, in direct violation of my consumer rights. 

Violations : FDCPA : 1692e False or misleading representation 1692f Unfair practices 1692g Failure to properly validate debt FCRA : 1681s-2 ( b ) Failure to conduct a reasonable investigation after dispute Supporting Case Law : Spears v. Brennan , 745 N.E.2d 862 Bill of Sale without account-level data is insufficient Bradshaw v. Hilco, 765 F. Supp . 2d 719 One statement is not proper validation Clark v. Capital Credit, 460 F.3d 1162 Misrepresenting legal authority violates FDCPA Final Notice : If PRA does not dismiss this lawsuit and remove the account from my credit reports within 10 days, I will file a federal counterclaim seeking : Statutory and actual damages Punitive damages Attorneys fees and court costs I have enclosed a copy of the Bill of Sale PRA submitted in court, which shows no account-level detail linking it to me.

Please investigate this matter and take appropriate enforcement action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
I am a victim of identity theft. Please see the attached documents relating to this case and complete identity theft affidavit. Also, please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt.

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 2025-08-05 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: NV

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXX XXXX & XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-08-05 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: GA

Complaint narrative:
I am writing this dispute against experience, transition and Equifax information reported on my credit report. concerning XXXX XXXX ( XXXX  XXXX XXXX ), account number XXXXXXXX XXXX XXXX XXXX  According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1991, all information reported must be accurate, complete. 
Details of the Disputed Account Account Number : XXXX XXXX XXXX Creditor : XXXX XXXX ( XXXX XXXX XXXX ) Reported Status : Collection/Chargeoff, Unpaid Ballance Last Payment Date : XX/XX/XXXX Balance Owed : {$740.00} Account has been open under no acknowledgment to me. 
I have requested multiple times for this account to be deleted and verified, but no results have been taken. I have submitted all documentations. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that your agency investigate this matter within 15 days of receipt of this leter. I request it be updated refiect. the correct status as " Paid '' and " Closed. '' FCRA, credit reporting agencies and furishers are required to report accurate, complete, and verified information ( 15 U.S.C. 1681e ( b ) ). Consumers have the right to dispute any inaccurate or incomplete information and request its correction or deletion ( 15 U.S.C. 15811 ).

Furthermore, 15 U.S.C. 1681s-2 requires fumishers of credit information to update or correct the data they provide to credit bureaus upon notification of inaccuracies.

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