vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX : XX/XX/XXXX SSN : XXXX XX/XX/XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Incorrect Late Payment Reporting Request for Immediate Deletion The following accounts are being reported inaccurately on my Equifax credit file : XXXX XXXX XXXX Acct # : XXXX | Status : Late Payment | Balance : {$25000.00} XXXX XXXX  | Acct # : XXXX | Status : Late Payment | Balance : {$0.00} To Whom It May Concern, I am formally disputing the late payment ( s ) being reported on the above-referenced accounts. These entries are inaccurate, misleading, and in violation of multiple federal consumer protection laws : 15 USC 1666b requires that payments be credited promptly as of the date received. Misapplied or delayed crediting results in unlawful late designations.

15 USC 1637 ( b ) mandates that periodic statements must accurately reflect payments an
d balances. If your records misstate payment application, this violates the Truth in Lending Act.

15 USC 1681s-2 explicitly prohibits furnishers from reporting information they know or reasonably should know is inaccurate. Reporting late payments contrary to actual payment history falls within this violation.

15 USC 1681i requires credit bureaus, such as Equifax, to conduct a reasonable reinvestigation of any disputed information. Given the conflicting reporting, accuracy and completeness have not been met. 

The inconsistent and misleading reporting of these accounts is damaging my creditworthiness and violates federal law. 
Demand : Delete the late payment ( s ) from my Equifax file.

Provide written confirmation of the removal.

Ensure that future reports on these accounts are accurate, consistent, and compliant with federal law.

If this matter is not corrected within the statutory timeframes, I will escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and I will consider legal remedies for continued violations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$06.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX, Balance : {$590.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud

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 2025-09-18 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:
I am disputing the fraudulent accounts that have been reported under my name. I did not authorize these accounts, nor have I ever had any connection to them. Their presence is entirely inaccurate and misrepresents my financial history, causing unjustified harm to my credit standing and credibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Global Lending Services LLC
State: TX

Complaint narrative:
This is in direct response to Global Lending Services most recent reply regarding account ending in XXXX. I continue to dispute this tradeline because they have not provided the legal documentation required under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

There is no original contract with my wet signature. The copy they included is computer generated and not acceptable under FCRA 623 ( a ) ( 3 ) and FDCPA 809 ( b ). I never authorized Global Lending Services to access or report my personal information. They also failed to show any chain of assignment or legal documentation confirming their right to collect or report on this account. 

In addition, the payment history and account breakdown are vague and incomplete. The law requires accuracy and transparency. They are required to provide a full accounting of the balance and how it was calculated post charge-off. They have not done this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: OneMain Finance Corporation
State: GA

Complaint narrative:
i applied for a loan on lending tree, however after checking my credit report i noticed XXXX hard pulls from XXXX XXXX, i never filled out an application to this company for the dates of the credit pulls, i only received loan options on my email for different loan amounts i did not proceed with a loan application, however i received a phone call from somone named XXXX at the XXXX XXXX XXXX in XXXX XXXX but never got in touch .but my credit was pulled without my consent, republic finace did call me and asked if they could pull my credit, i gave them consent XX/XX/year> same day XXXX XXXX  pullued my credit without consent. never spoke to anyone at this location giveing them consent, nor did i fill out their appplication, only on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: NC

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


FRAUDULENT ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: CO

Complaint narrative:
Shortly before XXXX XXXX  on XX/XX/XXXX, my XXXX XXXX XXXX was repossessed from the parking lot of my wife 's employer. 

Upon hearing this, I immediately tried to track down who took the vehicle and where they took it too. The lender sent me to a collection agency, they sent me to a repossession company ( that didn't take it ) and from there i was bounced around multiple companies in town and even non emergency dispatch. There was never any record of my vehicle being put into dispatch. It was sheer happen stance that I found out a company only licensed to operate in UTAH, was the culprit. XXXX XXXX XXXX, was immediately contacted. After the owner himself verified he had my vehicle in possession, he also hung up on me when I was trying to obtain information on why protocol wasn't followed. This added to the effort which resulted in finding out how they aren't operating under legal circumstances. 

No notice was given, no protocol was followed, our belongings were never returned or set up for us to retrieve ( also illegal ), and to make matters even worse if possible, they didnt even have the car properly transported. All four tires should be off the ground to prevent damage to the back suspension/alignment and there is photographic evidence they didnt follow that. 

XXXX XXXX XXXX has been doing this for quite sometime, with XXXX consequences whatsoever probably because people just accept it. They shouldn't he operating in this state at all, and honestly they shouldn't even be able to operate in their actual location of Utah considering all circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MD

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-18 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: VA

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 non-monetary relief
Consumer complaint received 2025-09-18 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account XXXX : [ XXXXXXXX XXXX XXXX XXXX XXXX  ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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 ( 1 ) 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 2025-09-18 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: FL

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per XXXX XXXX, I request their removal within XXXX days. Attached are supporting documents.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I, XXXX XXXX am writing this letter as a request to remove all pending actions from my credit report, Such as alerts, freezes, blocks, and any internal blocks or freezes. This request is being made because creditors and lenders are NOT able to approve applications. Lenders are stating that there is a freeze or alert on my credit report with clarity services. Please resolve this issue and send me a copy of my most recent credit report.

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 2025-09-18 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: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This is a second complaint filed because JPMorgan Chase Bank has failed to resolve my original issue and provided a factually incorrect response to my first CFPB complaint. My original case was closed without a substantive resolution. 

The original issue concerns a dispute for {$2200.00} in charges for a service from the company 'XXXX  ' that was invalid from the start due to a medical contraindication. After the company ceased operations, I filed a claim directly with Chase and was given Claim Number # XXXX. 

In my first CFPB complaint, I detailed Chase 's refusal to investigate the full dispute. In their official response on XX/XX/2025, Chase falsely claimed, " Our records do not show that there is a claim filed. '' I immediately rejected their response through the CFPB portal and provided the claim number as direct proof that their statement was untrue. Despite this clear evidence, the case was closed without the bank addressing the substance of my claim. 

Chase 's actions demonstrate a failure to engage with the CFPB process in good faith. They have ignored direct evidence, made false statements in their official response, and have made no attempt to address the actual merits of my documented claim. I am again requesting a full investigation and refund of the {$2200.00}.

Company response to consumer: Closed with explanation