vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NY

Complaint narrative:
o Whom It May Concern, I am writing in response to a call I received on XXXX XXXX regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request full validation of any debt you claim I owe. 

Please provide the following : XXXX. The amount of the alleged debt, including a breakdown of interest, fees, or charges. 
XXXX. The name and address of the original creditor. 
XXXX. A copy of the original agreement or contract that shows I am legally obligated to pay this debt. 
XXXX. Proof that you are legally authorized to collect this debt in my state. 
XXXX. A complete payment history, showing how the amount was calculated. 
XXXX. Verification that the debt is within the statute of limitations for legal collection in my state. 

Please be advised that until this debt is fully validated, you must cease all collection activities, including reporting to credit bureaus, calling me, or sending further collection notices. 

Also, if you do not provide proper validation within XXXX days of receiving this request, you must cease collection efforts entirely, as required by the FDCPA. 

This is not a refusal to pay, but a request for validation. If you can not validate this debt, you are required to remove any references to it from my credit report. 

Please respond in writing. I request that all future communication be done by mail only.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
Subject : Dispute of Inaccurate, Incomplete, and Misleading Credit Reporting Demand for Deletion Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$300.00} High Credit : {$590.00} Date Opened : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Date Closed : XX/XX/XXXX Charge-Off Amount : {$590.00} I. Violations and Inaccuracies Chronologically Impossible Dates Date of Last Payment is reported as XX/XX/XXXX, which is XXXX months before the reported Date of First Delinquency ( XX/XX/XXXX ). 

This is logically and factually impossible, violating : FCRA 1681e ( b ) Duty to follow reasonable procedures to assure maximum possible accuracy. 

FCRA 1681i ( a ) Duty to investigate delete inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
A collection agency I dont recognize is reporting a debt on my credit report. I contacted the original provider, and they confirmed the amount owed is different and that they are accepting direct payment. Ive never received written notice from this collection agency, nor do I have an agreement with them. I believe this debt is either being misrepresented or was sold/assigned without proper documentation. I want this investigated and removed from my report if unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not apply for or authorize these accounts. As they are fraudulent, I request their deletion under the requirements of USC 1681g within XXXX  days. Attached are relevant documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Albert Corporation
State: AL

Complaint narrative:
I have an account and my emails were hacked, bank accounts, phone.. I have an account that I can not log into and they keep charging me XXXX a .onth. I have asked the individuals to close it and they refuse to helpme. I want my money refunded and I want mu account closed and nothing else to do with them for good. I am sick of the frauds that they are using my account to keep collecting my money.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

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

The accounts below have violated my rights.

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

15 U.S.C 1681. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

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

Delete the accounts below : XXXXXXXX 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 2025-08-06 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: AR

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within XXXX business days under 15 USC 1681c2. 

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NC

Complaint narrative:
After going over my credit report I noticed many inaccuracies on my account. It's my understanding that you will investigate these items for me to ensure complete accuracy. Below is the account that requires investigation. 

XXXX XXXX Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am submitting this complaint against Westlake Financial due to their ongoing mishandling of a stolen vehicle situation, which has left me with a {$10000.00} auto loan balance for a car I no longer possess. 
My vehicle was stolen on XX/XX/year>. At the time, it was non-operational and uninsured. I immediately filed a police report ( Report XXXX. XXXX XXXX ) and notified Westlake of the theft, requesting hardship assistance or any resolution options available, including deferment or settlement. 

Instead of providing a clear path forward, XXXX continues to give inconsistent and misleading communication : They initially requested insurance claim information, even though I clearly informed them the vehicle was uninsured. 
Then they claimed they were coordinating with the police and may recover the vehicle despite the XXXX Police Department confirming they do not have the car in custody. 
They have not provided a clear resolution or explanation of my options. Their communication has been vague, contradictory, and emotionally distressing. 
I feel that Westlake is deliberately stalling, giving false hope, and avoiding responsibility to offer reasonable hardship support, despite my cooperation and transparency. 
I am formally requesting the CFPB 's assistance in investigating this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MS

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 " XXXX - XX/XX/year> VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting and FCRA Violations To Whom It May Concern, I am writing to dispute inaccurate information on my credit report and request investigation of potential Fair Credit Reporting Act ( FCRA ) violations. The following issues require urgent attention : Outdated Account Status Multiple accounts closed years ago continue to be reported with misleading status indicators : XXXX XXXX credit card ( opened XX/XX/XXXX ) : Closed XX/XX/XXXX but bears a " written off '' notation and dispute commentary unrelated to current status. 

Santander XXXX XXXX ( opened XX/XX/XXXX ) : Closed XX/XX/XXXX yet references a XX/XX/XXXX dispute update. 

XXXX XXXX XXXX ( opened XX/XX/XXXX ) : Closed XX/XX/XXXX but shows a XX/XX/XXXX dispute update. 

FCRA Violations Section 623 ( a ) ( 5 ) : Furnishers failed to correct obsolete information despite account closure dates. 

Identity Exposure Risk : Maintaining dispute flags on long-closed accounts unnecessarily exposes my financial history and increases identity theft vulnerability. 

Specific Concerns Dispute notations ( " reinvestigation info '' ) added in XX/XX/XXXX to accounts closed XXXX years prior create chronological inconsistencies. 

" Written off '' designation on the XXXX XXXX account implies unresolved debt despite closure. 

Retention of dispute history on obsolete accounts serves no legitimate purpose under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Regarding Inaccurate Credit Reporting and FCRA Violations To Whom It May Concern, I am writing to dispute inaccurate information on my credit report and request investigation of potential Fair Credit Reporting Act ( FCRA ) violations. The following issues require urgent attention : Outdated Account Status Multiple accounts closed years ago continue to be reported with misleading status indicators : XXXX XXXX credit card ( opened XX/XX/XXXX ) : Closed XX/XX/XXXX but bears a " written off '' notation and dispute commentary unrelated to current status. 

XXXX XXXX XXXX ( opened XX/XX/XXXX ) : Closed XX/XX/XXXX yet references a XX/XX/XXXX dispute update. 

XXXX XXXX XXXX ( opened XX/XX/XXXX ) : Closed XX/XX/XXXX but shows a XX/XX/XXXX dispute update. 

FCRA Violations Section 623 ( a ) ( 5 ) : Furnishers failed to correct obsolete information despite account closure dates. 

Identity Exposure Risk : Maintaining dispute flags on long-closed accounts unnecessarily exposes my financial history and increases identity theft vulnerability. 

Specific Concerns Dispute notations ( " reinvestigation info '' ) added in XX/XX/XXXX to accounts closed XXXX years prior create chronological inconsistencies. 

" Written off '' designation on the XXXX XXXX account implies unresolved debt despite closure. 

XXXX of dispute history on obsolete accounts serves no legitimate purpose under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with explanation