vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: SC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: TX

Complaint narrative:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
As required by law ( 15 U.S. Code 1681g ), you must delete these items within 15 days.

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 2025-09-22 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-22 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: LA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. 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 remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BK COURT -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clearUS BK COURTwritten confirmation from the relevant court ( ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " US BK COURT -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clearUS BK COURTwritten confirmation from the relevant court ( ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am disputing the late payment entry that has been reported inaccurately on my credit history. This negative mark is inconsistent with my actual record of timely payments and unfairly undermines my credit standing.

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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I am writing to formally report and seek resolution regarding a serious incident involving the theft and unauthorized use of my debit card while I was traveling abroad. 

On XX/XX/year>, while attempting to use an ATM in XXXX, XXXX, my debit card was stolen. An individual standing behind me forcibly removed the card from the ATM while I was entering my PIN and fled the scene. I immediately contacted XXXX to report the card as stolen. 

Initially, there were no unauthorized charges on my account. I attempted to report the theft to local police officers, but they informed me they were traffic police and not responsible for such matters. At the same time, large-scale protests erupted in the XXXX area XXXX and police presence was redirected, leaving me concerned for both my safety and the security of my account. 

Later that day, I discovered a cash withdrawal of {$430.00} had been made from my checking account using the stolen card. I promptly submitted a dispute form to America First Credit Union and contacted your fraud department. During the call, I was asked how the thief obtained my PIN. I explained that I had just entered it at the ATM when the card was stolen and speculated that the individual may have recorded me entering it. I was informed that this was considered speculation. 

I left XXXX approximately a day and a half after the incident and returned to the United States XXXX days later. Upon my return, I found out that XXXX has a Tourist Police, and I should contact them to let them know about my stolen card. I contacted them by email. Then, I visited my local branch and provided an email from the XXXX Tourist Police, who are responsible for assisting visitors in such cases. 

On XX/XX/XXXX, I called the fraud department to request the exact time the unauthorized withdrawal occurred. Unfortunately, the representative was unable to assist. I followed up with an email on XX/XX/XXXX requesting the same information, but as of today, XX/XX/XXXX, I have not received a response. 

I am deeply concerned about how a cancelled card could be used after I reported it stolen immediately. I respectfully request the following : The exact time and location of the {$430.00} withdrawal. 
An explanation of how the transaction was processed despite the card being reported stolen. 
The current status of my dispute and any next steps required from my side. 
I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Wilshire XXXX XXXX : XXXX XXXX XXXXXXXX XXXX  XXXX City : XXXX XXXX State : California Country : United States of America XXXX ( XXXX or XXXX ) : XXXX Company Phone ( XXXX ) XXXX : ( XXXX ) XXXX As medation was Monday XX/XX/XXXX I will incur unrecoverable damages and request assistance to further assist. Wilshire XXXX in conjunction with XXXX  XXXX are making illegal title loans in the state of Florida. I am begging for assistance! I will attach my lawyers filing but as I was advised that the case is most likely going to be dropped and I will lose my vehicle! I am being charged 131 % intrest on a XXXX dollar loan. I am begging for assistance This company is using the " rent a bank '' scheme that this agency previously fined this company! At 137 percent interest i am financially being XXXX! And as a XXXX  XXXX XXXX XXXX I can tell you the emotional trama and the inability to find help is the same feeling of helplessness! The ability of a financial institution to charge more than a mob loan shark and then have the force of obscure law to take away property! So my feedback is of such that it shows the impotence of this agency to actually help! 
The case has concluded. Since Wilshire knowing and willfully falsely stated to the court that this was for a vehicle purchase the court ruled for them I writ of repleven. 
The last loan I paid them was at 76 percent. 
Please someone help!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
On XXXX I called XXXX Bank because I had a letter that notified my house was going to be foreclosed on XX/XX/XXXX. I had already received a letter from XXXX that I had been approved for a forbearance until XX/XX/XXXX and I needed to respond by XX/XX/XXXX to accept. I was then told that they could not talk to me because I was represented by an attorney in a bankruptcy. My bankruptcy was XXXX and XXXX in XXXX and my attorney sent them a copy of the discharge. I have been dealing with them since XX/XX/XXXX for a forbearance due to an accident and I was unable to work. In the past year i have received letters from XXXX and spoken to numerous people and it was never mentioned. No one would help me. I asked to speak to a supervisor and they would not transfer me but they would have a supervisor call me back in a few days. Everyone just said they couldn't talk to me. They would not talk to foreclosure or let me speak to them. XXXX rep called the bankruptcy department and were told that bankruptcy was old and had been closed and they could't see it, That should have alerted them to the fact something was wrong. They would not call my attorney or offer any help. I finally got help from another area that gave me an email address for my attorney just to say they didn't represent me. The stress they inflicted on me was terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: NY

Complaint narrative:
I noticed an alert on my credit report. It appears that a student loan ( XXXX ) was placed into default. I received no formal notification of any kind that this was going to happen. I contacted the collector and payed off the balance. I asked if they would remove the late payments and default off my report they refused. I dont understand how this can be legal if I was never notified of anything regarding this loan thats almost 20 years old. They had all incorrect contact information for me. I just want my credit report to be fixed. I thought a formal notification was required before sending anything to a credit bureau. Extremely unfair trying to buy a new home and this just ruined it over {$500.00} student loan.

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 2025-09-22 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: GA

Complaint narrative:
Remove all accounts associated with 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 non-monetary relief
Consumer complaint received 2025-09-22 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:
Remove all accounts associated with 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 2025-09-22 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: SC

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 2025-09-22 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: SC

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute the reporting of late payments on the above-referenced account, XXXX XXXX XXXX Account XXXX XXXX, that is appearing on my credit file. 

I want to make it clear that I was not late with these payments, and the information being reported is inaccurate and damaging to my credit profile. Furthermore, the credit bureaus themselves do not have access to my personal financial records with XXXXXXXX XXXX XXXX  to independently verify that I was late. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you provide me with reasonable proof of how this information was verified as accurate. If you can not provide such proof, this account must be corrected to show an accurate payment history, or the late payment notations must be removed entirely from my credit file. 

I expect this matter to be investigated and resolved promptly, as required by law. Please provide me with a written response regarding the outcome of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/year> TD Bank XXXX Target Credit Card XXXX. XXXX XXXX XXXX, MN XXXX Re : Cease and Desist Notice Account # XXXX ( Alleged Debt : {$850.00} ) To Whom It May Concern, This letter serves as my formal demand under federal law that you cease all communication with me regarding the alleged debt referenced above and immediately correct any inaccurate credit reporting related to this account. 
Legal Basis 15 U.S.C. 1692c ( c ) ( FDCPA ) requires that once a consumer notifies a debt collector in writing to cease communication, all further communications must stop, except for the narrow exceptions allowed by law.

15 U.S.C. 1681n ( FCRA ) imposes liability for willful noncompliance with credit reporting obligations. Furnishing false, inaccurate, or disputed information to consumer reporting agencies constitutes a violation and subjects your organization to actual, statutory, and punitive damages, plus attorneys fees. 


My Notice and Demand I dispute the validity of this alleged debt in its entirety.

You are hereby directed to cease all direct communication with me, whether by mail, phone, email, or third parties.

You must immediately remove this account from all consumer credit bureau reports where it has been furnished. 


Failure to comply will be considered a willful violation of federal law. 


Consequences of Noncompliance If you do not comply with this demand, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Connecticut Attorney Generals Office ; and Pursue civil legal action for violations of the FDCPA and FCRA, seeking statutory damages, punitive damages, and recovery of attorneys fees.

Required Response Within 14 days of receipt of this letter, provide written confirmation that : You have ceased all communication with me ; and The above-referenced account has been permanently deleted from all credit bureau reports . 


Failure to do so will result in immediate escalation, including potential litigation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief