vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " United States Bankruptcy Court for the XXXX XXXX XXXX XXXX AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( United States Bankruptcy XXXX for the XXXX XXXX XXXX Illinois ) 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 : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: AL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: AL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX was the original .. Sold to Jeferson capital System LLC.I dont owe them. 
I asked FOR DEBT VALIDATION ORIGINAL CONTRACT FLOW AGGREEMENTS TRANSFER OF ASSIGNMENTS DOUBLESIDE OF ACCOUNTING They could not prove anything keep trying to sue me..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( XXXX, XXXX ) that I never authorized to be reported, nor did I give my consent for it to be furnished to any credit reporting agency. 
At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file.

LEGAL VIOLATIONS : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of permissible purpose. 
A consumers credit file may only contain information obtained for a permissible purpose, which generally requires the consumers express consent. The inclusion of this account and the related hard inquiry in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information.

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking disputed information.

When a consumer submits a report identifying disputed items to law enforcement, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report ( Police Report XXXX XXXX. XXXX ), which clearly identifies the disputed items. Despite this, Experian continues to report the unauthorized account and the hard inquiry, causing ongoing harm and violating the blocking and deletion provisions required by the FCRA.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum possible accuracy.

Experian has failed to maintain only accurate, verifiable, and complete information. The lack of verifiable documentation or authorization from the furnisher demonstrates that this legal standard has not been met. 

Personal Impact : I have been denied for legitimate credit applications due to this unauthorized account. 

When approved for credit, I am forced to pay significantly higher interest rates. 

I was recently denied rental housing because of this inaccurate information. 

My insurance premiums are higher due to credit-based pricing. 

This has caused ongoing financial stress, frustration, and embarrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. I have reached out to Equifax regarding my Mortgage payments being posted as late. I asked them to VALIDATE the late payments and I was told that I would have to contact XXXX directly. I did that via letters. I requested for XXXX late payments be investigated and also, XXXX XXXX late payments being reported by Equifax, Experian and TransUnion. If this is anywhere on my credit reports for late payment, it needs to be VALIDATED. My information was breached with TransUnion. I received mail confirming this. I began my disputes on XX/XX/year>. Referencing 12 C.F.R ss 1024.35 ( servicing errors ). They have refused to correct the situation which is causing damage to my credit reports and my credit scores.

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 2025-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PatientFi, Inc.
State: NC

Complaint narrative:
My account was improperly and unlawfully sent to collections despite prior written communication with the original creditor, PatientFi, disputing the balance and confirming that collection activity would not occur. I have email documentation showing that I contacted PatientFi on Friday, XX/XX/year>, at XXXX XXXX, specifically notifying them that the account should not have been sent to collections. 

In response, PatientFi confirmed via email that they would reverse any collection attempt. Despite that written assurance, the account was still referred to a third-party collection agency, resulting in inaccurate and harmful reporting to my credit file. 

Details : On XX/XX/year>, I reached out to PatientFi by email disputing the validity of the collection and requesting correction. 

PatientFi acknowledged receipt and confirmed they would reverse any collection attempt. 

Despite this confirmation, the account was subsequently sent to collections and reported to the credit bureaus. 

This action was taken without proper verification, investigation, or resolution, violating my consumer rights and causing unjustified damage to my credit standing. 

Violations and Consumer Rights Cited : Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information they knowor have reasonable cause to believeis inaccurate. 

Under FDCPA 807 ( 8 ), debt collectors are prohibited from communicating or threatening to communicate false or misleading credit information.

Under FDCPA 809 ( a ), a debt must be validated prior to collection activity, which did not occur in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-07 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Daramad LLC
State: TX

Complaint narrative:
I purchased a used vehicle from a licensed Texas dealer, paying over {$3200.00}. Within weeks, the vehicle experienced a total mechanical failure, similar to a prior vehicle purchased from the same dealer just two months before, which mechanically failed a day after purchasing the vehicle. Once the vehicle was brought in for service, they concluded there were no known defects, and determined the vehicle ready for pickup, to then discovered days later the initial issue of the mechanical failure. The dealer refused to provide prior service history, disclose known issues, or offer any refund or replacement, even though the failure occurred almost immediately after purchase. 

My auto loan is serviced through a lender that applied XXXX XXXX XXXX ( XXXX  ) through XXXX XXXX. After the vehicle was totaled in a collision caused by another driver, the lender required me to pay a deductible before forgiving the remaining balance, despite knowing the at-fault drivers insurer ( XXXX XXXX ) would be making payment toward the loan. This appears to be an improper or unfair billing practice. 

Ive provided police reports, photos, and communications supporting my claim. This situation has caused significant financial hardship, loss of transportation, and loss of income ( I deliver for XXXX ). I believe both the lender and dealer acted unfairly and seek proper resolution, full review of the loan and insurance handling, and correction of any improper charges or reporting.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-07 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-07 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: MI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-07 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: Array US, Inc
State: GA

Complaint narrative:
XXXX. A copy of the original contract or original purchase agreement that created the alleged debt. If the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the organization terms and conditions of the agreement that created the alleged debt, including all addendums and riders. XXXX. In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership. Proof of chain of ownership must be from the original creditor to the alleged owner without any break in the chain. XXXX. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status. XXXX. If any interest of fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement. XXXX. Proof that you are legally allowed to collect any alleged debt in the state of GEORGIA, including your third party debt collection bond. XXXX. Also send proof that you sent the legally required notice to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. FTC XXXX XXXX XXXX XXXX XXXX XXXX clear that it debt parking without proper notice is a violation of consumer rights.

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 2025-10-07 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: FL

Complaint narrative:
I recently obtained my credit report and found information that is inaccurate and harmful to my credit history. Specifically, my credit file contains an account ( XXXX, XXXX ) that I never authorized to be reported, nor did I give my consent for it to be furnished to any credit reporting agency. 
At no time did I provide written authorization, verifiable electronic consent, or any other form of permission allowing this information to be included in my credit file. 

LEGAL VIOLATIONS : FCRA Section 604 ( 15 U.S.C. 1681b ) Lack of permissible purpose.

A consumers credit file may only contain information obtained for a permissible purpose, which generally requires the consumers express consent. The inclusion of this account in my filewithout documented proof of my consentconstitutes a direct violation of this section and represents the unauthorized use and disclosure of my non-public personal information. 

FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Blocking disputed information.

When a consumer submits a report to law enforcement identifying disputed items, the credit reporting agency must block that information within four ( 4 ) business days. I submitted such a report ( Police Report XXXX XXXX. XXXX ), which clearly identifies the disputed items. Despite this, Equifax continues to report the unauthorized account, causing ongoing harm and violating the FCRAs required blocking and deletion provisions.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum possible accuracy. 
Equifax has failed to maintain only accurate, verifiable, and complete information. The absence of verifiable authorization or supporting documentation from the furnisher demonstrates that this legal standard has not been met. 

Personal Impact : I have been denied for legitimate credit applications due to this unauthorized account. 

When approved for credit, I am forced to pay significantly higher interest rates. 

I was recently denied rental housing because of this inaccurate information. 

My insurance premiums are higher due to credit-based pricing. 

This has caused ongoing financial XXXX, wasted time, and embarrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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: VA

Complaint narrative:
On XX/XX/XXXX I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Westlake Services, LLC
State: NY

Complaint narrative:
On XX/XX/year>, I purchased a vehicle from XXXX XXXX XXXX, located at XXXXXXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX. The vehicle price was approximately {$22000.00}. At the time of purchase, I provided a cashiers check in the amount of {$5600.00} as a deposit. I also arrived with a pre-approval for financing from XXXX XXXX. 

Without my authorization or consent, the dealership processed the financing through Westlake Financial at a significantly higher APR than the rate I was pre-approved for. I did not approve this financing switch. In addition, I was not provided with a complete sales contract, itemized bill of sale, or a copy of the financing agreement when I took delivery of the vehicle. 

To date, my {$5600.00} deposit has not been reflected in my loan balance, and my first financial statement from Westlake Financial shows no credit for the deposit. I only received a single screenshot from the dealers internal computer system showing the payment, but no formal documentation of how the deposit was applied. 

I sent a certified letter to the dealership XXXX, formally requesting documentation, but they have not responded within the 7 business days specified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-07 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:
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 2025-10-07 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:
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 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