vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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:
Dear CFPB, I am filing this complaint because I have noticed inaccurate and false late payment information reported by Experian and TransUnion on my credit report. 

The account in question is : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Auto Loan ( Installment ) Opened on : XX/XX/XXXX Account Status : Closed Payment Status : Current Experian and TransUnion is showing a late payments in XX/XX/XXXX, which is completely incorrect. I have never had any late payments on this account or any of my credit accounts.I have always paid in time for all my credits, loans, leases etc. 
This misinformation is harming my XXXX XXXX and my ability to secure financial services.

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 2025-06-20 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-20 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-20 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: UT

Complaint narrative:
XXXX XXXX and Equifax are reporting incorrect loan balances for my account. Why? XXXX  has it some what correct but better than the other XXXX. It is your responsibility to report accurate and updated information to the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
I am submitting this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Following my dispute of inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and comprehensive explanation of the reinvestigation process. Specifically, I asked for details regarding the verification steps taken, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny. 
I have never been late on the account ( s ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( s ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor. 

This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Under 15 U.S. Code 1681 ( a ) : ( 1 ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust.

( 3 ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers. 

Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA. 
The inaccurate late payment entry be permanently removed from my credit report. 
My credit file be updated to reflect my accurate payment history. 
Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigatedandremoved.

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 2025-06-20 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: FL

Complaint narrative:
Complaint Summary Second Filing : Unauthorized Mortgage Inquiries Not Properly Justified This is a new complaint regarding mortgage-related credit inquiries that were not properly justified by the companies involved. 

XXXX XXXX claims I submitted a loan application on XX/XX/year>, through their platform and authorized a credit pull. I do not recall authorizing such action, and I request that XXXX be required to provide full documentation of the alleged authorization : the signed XXXX XXXX form, IP address, timestamp, and verification method used. 

XXXX XXXX  initiated a credit inquiry through XXXX on XX/XX/year>. I never applied for a loan with XXXX XXXX  and did not authorize them to access my credit. I request a full investigation under FCRA XXXX regarding the validity and permissible purpose of this inquiry. 

XXXX XXXX has reported inquiries on XX/XX/XXXX and XXXX, XXXX, but has not provided clarity on which lender initiated the request or proof of my authorization. 

None of these inquiries are related to my actual mortgage, which was originated with XXXX XXXX XXXX  and is currently serviced by XXXX. 

These inquiries are harming my credit profile and were not authorized by me. I respectfully request that the CFPB require these companies to provide full proof of authorization or delete the inquiries across all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: GA

Complaint narrative:
I receive a card from Chime a debit card. That i did not apply for that was asking me to activate the card and set up direct deposit. It had the chime company correct phone number on the card but there was a qr code that i was hesitant to scan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: AZ

Complaint narrative:
This letter serves as my formal and final warning regarding your unlawful reinsertion of previously deleted account into my credit file, in clear and repeated violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ). 
I disputed this account on XXXX XXXX, XXXX  and it was rightfully removed by XX/XX/year>. However, without providing the statutorily required notice and certifications, Experian reinserted the same fraudulent data, violating the clear mandates of the FCRA. 
YOU HAVE BEEN SUED FOR THIS BEFORE. 
This isnt your first time, and unfortunately, I am not your only victim. Experian has already faced multiple lawsuits across various jurisdictions for the same misconduct reinserting disputed and previously deleted accounts without notice, without certification from the furnisher, and without compliance with required reinvestigation procedures. 
Despite judicial rulings and consent decrees, you continue to repeat the same noncompliant, damaging actions against consumers including me. 
Your pattern of negligence, disregard, and willful misconduct is not only a blatant violation of federal law, but it also inflicts measurable emotional and financial harm on innocent consumers like myself. 
DEMAND FOR COMPLIANCE I hereby demand the immediate and permanent deletion of the above-mentioned fraudulent accounts. You are also required to issue written confirmation of this deletion within XXXX ( XXXX ) business days from the date of receipt of this letter. 
If this matter is not resolved immediately and fully, I will be left with no choice but to pursue legal action for : - Willful violations of the FCRA - Emotional distress and reputational harm - Punitive damages as permitted under 15 U.S.C. 1681n 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 2025-06-20 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
PLEASE DELETE THE FOLLOWING UNAUTHORIZED HARD INQUIRIES : Please apply the true protection necessary required under the Privacy Act and have each of these financial institutions have on file either a hard copy signature authorization, or at the very least an e-signature authorization. If these documents are not available, please delete the inquiry. In cases where the inquiry is listed past the 24-month maximum timeline, please remove it based on those grounds. In some cases, an inquiry will not have true originality. As in this case, this institution kept pulling multiple hard-hit inquiries without a legitimate business need or continuous authorization. This is truly a violation under the Fair Credit Reporting Act inquiry authorization compliance protocol. Written Authorization : creditors must procure authorization on each request for advancement of credit, and the language in credit applications to ensure clear consent and to have a record of it. Privacy : The FCRA aims to protect consumer privacy by imposing limitations on who can obtain consumer reports and for what reasons. Violations : Obtaining a consumer report without a permissible purpose is a violation of the FCRA. In summary, for creditors, the FCRA Inquiry Authorization Section primarily relies on the permissible purpose of the inquiry, which is generally established when a consumer initiates a credit transaction, such as applying for a loan or credit card. Every hard inquiry in the case of this creditor does not exist. The appropriate measure is the deletion of the inquiry permanently. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Let me be absolutely clearthis complaint is deliberate and justified. My credit report contains inaccurate information that does not meet the legally mandated standard of maximum possible accuracy. These inaccuracies are causing continuous and significant harm to both my financial stability and personal well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: MA

Complaint narrative:
On XX/XX/year>, I attempted to pay my rent and security deposit to a new landlord after signing a lease for a new apartment. US Bank wrongfully deemed the transaction fraudulent even though it was legitimate and refused to correct their error. US Bank wrongfully locked me out of my account and restricted my access to my own money, refusing to fix their error. This is brazenly illegal.

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 2025-06-20 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: WI

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint against Equifax, Experian, and TransUnion for continued reporting of false, incomplete, and unauthorized credit data in violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i.

I previously submitted a notarized dispute letter via certified mail demanding deletion of inaccurate and unverifiable collection and charge-off accounts. These accounts lack legal standing, have no signed contracts, and show no verifiable assignment of debt. They were re-reported or " verified '' without evidence - a material breach of both federal law and Metro 2 compliance standards.

This violates : - 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) - failure to delete unverifiable information ; - 15 U.S.C. 1681n & 1681o - willful noncompliance subject to civil liability ; - 15 U.S.C. 1681s-2 ( b ) - duty of furnishers to investigate disputed information ; - The Consumer Data Industry Association ( CDIA ) Metro 2 Format Guidelines.

I now demand the immediate deletion of all disputed accounts within five ( 5 ) business days. The bureaus ' response that accounts were " verified '' is legally insufficient. No documentary proof, contract, or lawful validation was provided.

Enclosures : - Notarized dispute letter sent to Equifax, Experian, and TransUnion - Copy of government-issued ID - Utility bill for address verification - Certified mail receipts The CFPB is requested to intervene to compel deletion and uphold consumer protection law. I also reserve the right to seek injunctive relief and compensatory damages for continued violations of my federally protected rights. 
Respectfully, 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Checkr, Inc
State: WI

Complaint narrative:
This company made a discriminatory evaluation and prevented me from being employed. I thought the American way in the civil justice system was to be innocent until proven guilty. They reported a case that is completely fraudulent but is still ongoing against me to an organization that prevents me from being employed there. When I look up their reviews online it is clear that I am not the only person who has experienced this with this company. I would like to see them held accountable for their actions and I believe they should not be in business

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I and my co-signer have been receiving constant harassing phone calls from [ westlake financial ] for over a year regarding a debt. Despite telling them clearly and directly to stop calling me, they continued to place multiple calls per day often at inappropriate hours such as before XXXX XXXX XXXX XXXX XXXX XXXX Some of these calls appear to be robocalls, and most occurred after I revoked consent. 
Their actions have caused me serious emotional distress, XXXX, and sleep problems. I feel overwhelmed and constantly on edge. I verbally asked them to stop contacting me, and they have ignored my request. I believe this violates the Telephone Consumer Protection Act ( TCPA ) and California 's Rosenthal Fair Debt Collection Practices Act.

I am asking the CFPB to investigate this companys abusive phone practices and help hold them accountable.

Company response to consumer: Closed with explanation