vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$16000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I refinanced my auto loan with Westlake Financial. My credit union sent a payoff check, which was delivered and cashed ( confirmed with check image and a XXXX XXXX endorsement ). Despite this, Westlake has not applied the payment, still shows the loan as active, and is demanding a new monthly payment.

I have spoken to representatives and a supervisor who could not provide an update or resolution. I also submitted a formal dispute email with all documentation and have not received any response. 

I am requesting that Westlake Financial : Immediately close my account Remove any payment demands or fees Provide confirmation that my credit will not be negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MD

Complaint narrative:
On XX/XX/year>, I, decided to check what was listed on my credit reports. To my surprise, I was very shocked to see that Experian, has multiple names and addresses listed for me. I do not answer to, nor go by, any other names outside of my legal name. So as far as my understanding of 15 U.S. Code 1681s-2 " A person shall not furnish information relating to a consumer to any consumer reporting agency if - ''. " ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and " ( ii ) the information is inaccurate. '' I typed a letter to Experian after reaching out by telephone to tell them of the things that were not correct in my consumer report. I was directed to follow the chain of command and to send my dispute to their dispute department. So I did as I was instructed and formed a letter pointing out everything that I felt was inaccurate in my consumer report. This is including however not limited to false reporting information, as well as public records. This letter was sent by priority mail via XXXX on XX/XX/year> to the address that they provided for disputes to be sent. A week later I received a message from Experian telling me that there was a change in my credit report. So I did what anyone would have done and I logged in to check my report. And once again to my surprise I was shocked at what I saw. The names, and addresses were still there, however they had taken my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: NC

Complaint narrative:
Im contacting you regarding a hard inquiry that has shown up on my credit report and I want to be absolutely clear : I did not authorize this inquiry in any form, and it was made without a permissible purpose under the Fair Credit Reporting Act ( FCRA ).

I never applied for credit with the company that made this inquiry, and I never gave consent for my credit to be pulled. That means this entry is not only incorrect its a direct violation of federal law.

Under the FCRA, a credit inquiry must have either my explicit authorization or a legally valid reason to be on my file. This has neither. I dont care whether it was an error or a case of misuse it does not belong there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: Credit Central Holdings, LLC
State: SC

Complaint narrative:
This CFPB complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting XXXX  to block fraudulent information from my credit report within 4 business days. The false items include a XXXX credit card charged off for {$1700.00}, a Credit Central loan charged off for {$1000.00}, a {$10000.00} collection with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and a {$730.00} collection by XXXX XXXX XXXX XXXX XXXX  ). I did not open or authorize any of these accountsthey are the result of identity theft and fraud. Ive attached FTC Identity Theft Report Number XXXX as proof. Please block these accounts and cease all related collection activity as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
This CFPB complaint is filed under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting XXXX  to block fraudulent information from my credit report within 4 business days. The false items include a XXXX credit card charged off for {$1700.00}, a XXXX XXXX loan charged off for {$1000.00}, a {$10000.00} collection with National Credit System ( SN Riverside LLC ), and a {$730.00} collection by XXXX XXXX XXXX XXXX XXXX XXXX. I did not open or authorize any of these accountsthey are the result of identity theft and fraud. Ive attached FTC Identity Theft Report Number XXXX as proof. Please block these accounts and cease all related collection activity as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Credit Karma, LLC
State: NC

Complaint narrative:
Between credit karma and XXXX XXXX I can't keep my money in my account I dispute transactions and I get denied and I don't know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood has restricted my account and holding my funds hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: AL

Complaint narrative:
My information has been exposed in numerous data breeches, my family has abused their knowledge by utilizing my credit profile to their benefit, and many actions published on my credit profile are inaccurate. 

The credit account listed below are unauthorized : XXXX XXXX opened XXXX XX/XX/XXXX in the amount of {$1200.00} The inquiries listed below are unauthorized hard inquiries on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: GA

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: IN

Complaint narrative:
I am filing a complaint against the consumer reporting agencies Experian, Equifax, and TransUnion for allowing a collection agency to report accounts on my credit file without proper legal validation or permission, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I received a document titled Collection Agency Report from a collector ( XXXX XXXX XXXX or its agents ), which lacked the legally required documentation to validate the alleged debt. The report included medical billing details but did not provide : A signed contract or agreement proving I owe the debt Itemized billing or full accounting of charges and insurance payments Documentation showing legal assignment or ownership of the debt by the collector Proper notice of my rights to dispute under 15 U.S. Code 1692g HIPAA authorization to share my personal medical data Despite my formal disputes and submission of this insufficient response, the credit bureaus continued to report the collection accounts and marked the disputes as verified without proper reinvestigation. This is a violation of : FCRA 611 ( 15 U.S. Code 1681i ) failure to conduct a reasonable reinvestigation FCRA 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) failure to ensure maximum possible accuracy FCRA 623 ( 15 U.S. Code 1681s-2 ( b ) ) failure to correct or delete inaccurate information These actions have damaged my creditworthiness based on unsubstantiated and unlawfully reported debt. The credit bureaus are legally required to delete unverifiable information, not just label it disputed. 
Especially after having disputed these collections with all credit bureaus. 

I am requesting that the CFPB investigate the failure of the credit bureaus to : XXXX. Verify the legitimacy of the collectors right to report this information XXXX. Remove unverifiable collection accounts that lack proper legal documentation XXXX. Prevent third-party collection agencies from furnishing data without meeting legal standards

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AR

Complaint narrative:
Beginning in XXXX XXXX  of XXXX, I began receiving text messages from Radius Global Solutions LLC with a link to make a payment. I was not familiar with Radius Global Solutions, and was not aware of any debts I owed. I ignored the messages assuming it was some kind of spam or fraud attempt. Later, on XX/XX/XXXX, I became aware of a new alert of my XXXX  credit report. I logged in to my XXXX  account and discovered that an account was sent to collections for a supposed debt to XXXX XXXX XXXX of XXXX XXXX The account claims to have been opened in XXXX of XXXX. I opened no such account, and have not to my memory ever had business with XXXX XXXX XXXX. I disputed the account through my XXXX. I have not reached out to XXXX XXXX XXXX. 

This is the second time in under a year that a fraudulent debt from XXXX XXXX XXXX has appeared on my credit and negatively affected my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
b'RECENTLY CHECKED MY CREDIT REPORT AND NOTICIED SOME INACCURATE ACCOUNTS REPORTINGXXXX 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 2025-06-16 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: GA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
On XX/XX/year>, I sent ConServe a formal written dispute under the FDCPA, demanding validation of a XXXX XXXX XXXX debt and instructing them to cease collection efforts until validation was provided. Despite this, on XX/XX/year>, I received XXXX phone calls ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from local numbers that appeared to be random individuals but were, after investigation, owned by ConServe. These calls were placed by an autodialer without my prior express consent, in violation of the Telephone Consumer Protection Act ( TCPA ), and occurred after I had exercised my FDCPA rights. This behavior is harassing, deceptive, and unlawful.

Company response to consumer: Closed with explanation