vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading credit reporting by XXXX XXXX. The account in question was fully paid and brought to a {$0.00} balance as of XX/XX/2024. Despite this, XXXX continues to report late payments and delinquency statuses on my XXXX  and XXXX  credit reports. 

In addition, XXXX  has failed to show the account as closed, even though the balance has been {$0.00} for nearly a year. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to provide accurate and up-to-date information to credit reporting agencies.

I have already attempted to dispute this matter directly with both credit bureaus, but the issue remains unresolved. The inaccurate information is negatively impacting my creditworthiness and FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MD

Complaint narrative:
1. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Acct. ending XXXX ) Account Status : Charge-Off but Balance reported as {$0.00}. 
Date of First Delinquency : XX/XX/XXXX, yet account shows Closed XX/XX/XXXX a clear date inconsistency. 
Multiple conflicting comments : Paid Charge-Off, Account Paid for Less Than Full Balance, Consumer Disputes After Resolution. 
These reporting contradictions violate FCRA 1681e ( b ) ( reasonable procedures to assure maximum possible accuracy ). 

XXXX 2. XXXX XXXX XXXX XXXX ( Acct. ending XXXX/ Original Creditor : XXXX XXXX XXXX XXXX ) Balance increased from {$690.00} to {$740.00} with no recorded payments or supporting data. 
Status remains Unpaid despite Consumer Disputes Reinvestigation in Progress.

Missing or incomplete Last Payment Date, and unverifiable Date of First Delinquency. 
These irregularities indicate a lack of verifiable and consistent documentation under FCRA 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CT

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-11-05 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: PA

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} Bankruptcy, XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX, XX/XX/XXXX XXXXXXXX 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 2025-11-05 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: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: WA

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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.

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 2025-11-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Freeway Funding, Inc.
State: CA

Complaint narrative:
The company if XXXX XXXX and I had an autoloader in the amount of {$15000.00} in XX/XX/XXXX. The car was repossessed in XXXX of XXXX. Here we are XXXX  years later and they all of a sudden within the last year started marking a missed payment on my credit report every month and the balance increases every month. They keep adding more and more every month and now the balance is past {$17000.00}. And its ruining my credit because they are putting it like if I still have the loan and are missing the payment every month. They shouldn't be aloud to do that. My loan amount was only for {$15000.00} and they marked it as a charge off in XXXX. I don't understand how they are doing what their doing but its not right and its ruining my credit. And that company went bankrupt is that why they are trying to get money I don't owe them?

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 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS ENTRY DOES NOT MATCH MY VERIFIED PAYMENT RECORDS.

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 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This complaint is filed by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, the authorized representative for XXXX XXXX XXXX, against JPMorgan Chase Bank , N.A . ( JPMCB CARD Services ) for multiple violations of the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, XXXX XXXX submitted a formal FCRA dispute notifying JPMorgan Chase of inaccurate and unverifiable information being reported on her JPMCB CARD account. Despite receiving notice, the furnisher has continued to report inconsistent and false data to all major credit bureaus, including conflicting remarks such as Closed by Credit Grantor, Closed or Paid, and In Good Standing, as well as differing last activity dates and inaccurate payment histories.

These discrepancies prove that JPMorgan Chase has failed to maintain maximum possible accuracy under FCRA 607 ( b ) and neglected its duty to conduct a proper reinvestigation as required by FCRA 623 ( b ) ( 1 ). The bank also violated FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ) by continuing to furnish information it could not verify and by failing to provide any supporting documentation such as the original signed agreement, payment records, or reinvestigation results. This conduct demonstrates willful noncompliance and a disregard for consumer rights, causing XXXX XXXX emotional distress, reputational harm, and denial of fair credit opportunities. 

On behalf of XXXX XXXX, her representative demands that JPMorgan Chase immediately delete the disputed account from all credit bureaus or provide full substantiation with verifiable documentation. A written response confirming compliance should be sent to both the consumer and her representative. 

JPMorgan Chase Banks continued reporting of unverified and inconsistent data after receiving a formal FCRA dispute constitutes a clear violation of federal law. Therefore, XXXX XXXX, through XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, respectfully requests that the Consumer Financial Protection Bureau ( CFPB ) take enforcement action compelling JPMorgan Chase to either validate or permanently delete the disputed account and ensure full adherence to all provisions of the FCRA. JPMCB - CARD SERVICE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX Unknown - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-05 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-11-05 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: WA

Complaint narrative:
I am submitting to formally dispute several inaccurate and misleading items currently being reported on my credit file. These items do not accurately reflect my credit history or identity. Under the Fair Credit Reporting Act ( FCRA ) specifically 605 ( a ) ( Obsolete Information ), 623 ( a ) ( 5 ) ( Obligation to Report Accurate Date of First Delinquency ), and 604 ( a ) ( 3 ) ( Permissible Purpose ) I request a full reinvestigation of the information listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX  balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  balance {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/2025 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: WA

Complaint narrative:
I am submitting to formally dispute several inaccurate and misleading items currently being reported on my credit file. These items do not accurately reflect my credit history or identity. Under the Fair Credit Reporting Act ( FCRA ) specifically 605 ( a ) ( Obsolete Information ), 623 ( a ) ( 5 ) ( Obligation to Report Accurate Date of First Delinquency ), and 604 ( a ) ( 3 ) ( Permissible Purpose ) I request a full reinvestigation of the information listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX  balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  balance {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/2025 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute the accuracy of the payment history reported for the following account on my credit report : Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The payment history on this account is inaccurate, as the reported dates or late payments do not reflect the correct payment record. This is a violation of 15 U.S.C.

1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy.

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 2025-11-05 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: GA

Complaint narrative:
I am writing to dispute the accuracy of the payment history reported for the following account on my credit report : Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The payment history on this account is inaccurate, as the reported dates or late payments do not reflect the correct payment record. This is a violation of 15 U.S.C.

1681e ( b ), which requires reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: WA

Complaint narrative:
I am submitting to formally dispute several inaccurate and misleading items currently being reported on my credit file. These items do not accurately reflect my credit history or identity. Under the Fair Credit Reporting Act ( FCRA ) specifically 605 ( a ) ( Obsolete Information ), 623 ( a ) ( 5 ) ( Obligation to Report Accurate Date of First Delinquency ), and 604 ( a ) ( 3 ) ( Permissible Purpose ) I request a full reinvestigation of the information listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX  balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  balance {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/2025 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: MO

Complaint narrative:
I am disputing the following accounts and inquiries that appear on my TransUnion credit report. I request that each account be thoroughly reviewed and that appropriate verification documentation be provided. If these accounts can not be verified within the legally prescribed time frame, I respectfully request their removal from my credit report. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1200.00} XXXX  XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$180.00} XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$600.00} XXXX  XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$3100.00} XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$310.00} XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  XXXX Date Open : XXXX XXXXXXXX XXXX XXXX  Date Open : XX/XX/XXXX XXXX  Date Open : XX/XX/XXXX XXXX XXXX  Date Open : XX/XX/XXXX XXXX XXXX  Date Open : XX/XX/XXXX XXXX XXXX  Date Open : XX/XX/XXXX XXXX XXXX  Date Open : XX/XX/XXXX XXXX XXXX  Date Open : XX/XX/XXXXXXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX XXXX Date Open : XX/XX/XXXXXXXX XXXX XXXXXXXX Date Open : 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 2025-11-05 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: AZ

Complaint narrative:
After reviewing my Equifax credit report, I noticed several accounts that are being reported incorrectly. Each of the accounts below shows repeated charge-offs or monthly updates after they were closed, which is inaccurate and misleading. Once an account is charged off or sold, it should not continue to report new charge offs or show active payment history. 

1. XXXX XXXX XXXX Account # XXXX This account was charged off in XX/XX/XXXX and closed, yet it continues to update every month showing a new charge-off status through XXXX. That is inaccurate. A charge-off is a one-time event and should not reflect ongoing monthly activity. Please delete this account for inaccurate reporting. 

2. XXXX XXXX XXXX Account # XXXX This account was charged off in XX/XX/XXXX, but it also keeps updating every month afterward showing CO. Once charged off, it should no longer be reported with a running payment history. This makes the account look more negative than it really is. Please delete this account for incorrect and repetitive reporting. 

3. XXXX XXXX XXXX  XXXX Account # XXXX This account was charged off in XX/XX/XXXX but still shows monthly charge-off updates all the way through XXXX. That is not accurate because a closed charge-off should not keep updating as if it is being charged off again each month. Please remove this account from my report. 

4. XXXX XXXX Account # XXXX This account was transferred and sold in XX/XX/XXXX, but it is still showing a charge-off status. Once an account is sold or transferred, it should report a XXXX balance and closed status not a continuing charge-off. This reporting is inaccurate and should be deleted. 

These accounts are not being reported with full accuracy and create a misleading reflection of my payment history. Please review and delete these inaccurate tradelines from my credit file.

Company response to consumer: Closed with non-monetary relief