vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: MS

Complaint narrative:
Westlake financial has a charge off on my credit report for {$9200.00} this is still showing up on my credit report after it has been sold and charged off stating I still owe this balance I was not issued at 1099 to show this amount as income

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This complaint is regarding the companys failure to validate an alleged debt as required by FDCPA 15 USC 1692g ( b ) and CFPB Regulation F. I requested detailed documentation including the original contract and proof of ownership, but received no legally sufficient response. Case law like XXXXXXXX XXXX XXXXXXXX XXXX requires debt collectors to substantiate debts beyond simple claims. Continued collection or credit reporting without validation violates FDCPA and may breach FCRA under XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: NV

Complaint narrative:
I am filing a complaint against Experian for reporting unauthorized hard inquiries on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 604, a consumer reporting agency may only include inquiries if I authorized them or if a company had a permissible purpose
.

The following inquiries are appearing on my credit file without my knowledge or consent : - XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> I did not authorize these companies to pull my credit report. Experian has failed to provide proof of my authorization. These inquiries are inaccurate, damaging my credit score, and should be removed immediately. 
I am requesting the CFPB ensure Experian investigates properly and removes these unauthorized inquiries unless Experian can provide signed documentation showing that I consented to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} 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 US 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 2025-08-21 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: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: GA

Complaint narrative:
On XX/XX/XXXX there was a charge I didnt make. I found it on XX/XX/XXXX and called customer service. I tried calling on XX/XX/XXXX but I stayed on hold for an hour and 32 minutes and when they answered that day I explained problem but was transferred to another department where I stayed on hold another hour. I did get through on XX/XX/XXXX and explained problem with this {$49.00} transaction that was not mine. She immediately closed my card although I begged her to let me use it to buy food with first. She said no that my card was compromised and it would be a liability for them! 
So I specifically told her I need it expedited. She said that would cost {$13.00} and I said fine because I was also flying overseas in 5 days. She assured me it would come in 3 days. She also said she would send it out that day, XX/XX/XXXX. She then transferred me to another department where I sat on hold for a time. XXXX asked me all my info again and asked me why I was calling. I thought she would know but I had to tell her everything again. Then she just hung up! 
Here it is XX/XX/XXXX and Im still waiting on my new card. I had to cancel my flight. I have not eaten since that day of XX/XX/XXXX because I had no food bought. This has completely devastated me! 
XXXX XXXX XXXX XXXX. I live alone with XXXX dogs. Thank XXXX I had bought my dogs enough food because they were to be boarded for 8 days I was gone. 

Ive had this happen before when I had disputed a charge from the website XXXX XXXX. I never paid for a membership and liked to have never got that money back. I read where they use this site. Anyway I paid for to expedite that card. It came in 3 days. 

I called Customer Service today and when I finally got to someone they told me the card had never been expedited in the first place. She only saw a {$4.00} charge which is the minimum for new card. 
I was furious!!! Its been 6 business days now and no card. Its been longer than that since Ive eaten. This is not acceptable. They dont care Ill never get another chance to go abroad. Ive never been anywhere outside the states. I had a free trip that one of my friends paid for. Im truly heartbroken. XXXX a XXXX XXXX XXXX widow and live alone with my XXXX dogs. Im so XXXX and now starving. The rep today just said sorry and disconnected me. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-21 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: LA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-21 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: MD

Complaint narrative:
I do not agree with the account list below that is still reporting on my credit report even after you conducted a investigation I am demanding you to immediately reinvestigate this account as it once again is extremely injurious to my credit report According to the Fair Credit Reporting Act, Public Law 91-506 title VI section 611 Subsection A-D Please make sure to provide me with any and all names, business addresses of each person you verified the below account with so that i can follow up with them as this is my right under section 609 of the FCRA please also send me a update copy on my credit report after you have completed your reinvestigation correction I do appreciate your prompt response in advance XXXX XXXX XXXX XXXXXXXX

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: AZ

Complaint narrative:
In accordance with the FCRA. The accounts below ( see attachments ) has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Early Waring Services is reporting inaccurate, incomplete, and fraudulent information on my file. Under 15 U.S.C 1681s-2 ( a ) Prohibits continuing to report known inaccuracies. If a furnisher knows information is inaccurate they must not provide or report it. If notified that specific entry is inaccurrate and it indeed is they must stop furnishing that information. 15 U.S.C 1681c-2 says if the information stems from identity theft, by submitting proof of identity, identity theft report, a statement that the account wasn't yours within 4 days it must be blocked. 15 U.S.C 1681s-2 ( b ) requires investigation and correction upon dispute. Under 15 U.S.C. 1681e ( b ) Obligates to maintain maximum possible accuracy in consumer file. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) specifically prohibits knowingly inaccurate reporting.Please ( see attachments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
I have called in multiple times trying to fix this issue this credit card company is reporting to my credit report that I am XXXX  days late when I made a payment XX/XX/XXXX which would not make me XXXX  days late which in fact would make this company illegally reporting to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: IL

Complaint narrative:
I have called in multiple times trying to fix this issue this credit card company is reporting to my credit report that I am XXXX  days late when I made a payment XX/XX/XXXX which would not make me XXXX  days late which in fact would make this company illegally reporting to my 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 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
CareCredit ( by synchrony financial ) allowed me to close my account but then they, on their own initiative, reopened it to send me late fees. 

On XX/XX/year> XXXX XXXX XXXX sent a check of XXXXXXXX XXXX  to CareCredit so that I could pay off the card and close my account. 

I could only reach CareCredit over the phone but I closed my account once, over the phone, once the check was received by them. I successfully closed the account. 

Yet I still keep getting mail telling them that I owe them money. I tried to check via the website that my account was closed, but there is an error. On the website and the app for care credit it says that there is an " Account Servicing Issue ''. 

My account shouldn't exist, that is the account servicing issue I am having ; however, in the mail in which they demand money from me they say the account does exist still. 

It was once closed. No one I call at carecredit is working with me, they speak in circles to avoid accountability. 

There was and is no option for me or any one to have a physical statement that the card was closed on any certain day because it is only done through the phone. I believe the company is exploiting this.

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 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing an account that has been falsely reported on my credit file. I have never authorized, opened, or used this account, and its presence is both inaccurate and damaging to my financial reputation.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
A company " XXXX XXXX  '' attempts to collect a fraudulent debt on me for something I never signed or agreed to. They call me XXXX times a day, send letters to my house, even attempt to send me false emails.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
The company opened a credit card in my name while I had a credit block and did not contact me or verfiying that it was me opening the account which lead to someone else opening the account under my name. No one should have the ability to open a credit card under anyones name especcially one with a credit block and ID thief alert tagged with their SSN. I contacted the company and they did not even want to do Emails or try to verfiy they are a real company. They would only send me an affidavit but would not email me to say that they would send me an affidavit so I can have a paper trail. They told me their company can not send emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXX  XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX  XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Student Loan Accounts Reported by XXXX Account Number in Dispute : XXXX Dear Credit Reporting Agency, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding inaccurate information reported by XXXX under account number XXXX. 

According to your reports, XXXX has listed XXXX ( XXXX ) different accounts under this same number, with conflicting opening dates and balances : XX/XX/XXXX {$1300.00}, {$660.00}, {$2200.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$3700.00}, {$3100.00} XX/XX/XXXX {$1700.00}, {$3200.00} XX/XX/XXXX {$4500.00} XX/XX/XXXX {$35000.00} This reporting is factually inaccurate and misleading, constituting a violation of 15 U.S.C. 1681e ( b ) which requires consumer reporting agencies to maintain the maximum possible accuracy of reported information. 

The accounts contain the following errors : Multiple different loans reported under the same account number, Inconsistent and contradictory opening dates, Inaccurate balances and repayment statuses, Possible inflated APR terms. 

Such false duplication creates the false impression of multiple separate delinquencies, which severely damages my creditworthiness. This reporting may also violate provisions of the Higher Education Act ( HEA ). 

I therefore demand the following resolution : Immediate deletion of all XXXX student loan entries tied to account number XXXX from my credit file. 

Written confirmation of such deletions within 30 days of receipt of this letter. 

If these inaccurate entries are not deleted, I will escalate this matter by : Filing a 609 letter demand for full source documentation, Submitting a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Considering legal action for willful and negligent violations of the FCRA, supported by case law such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ), where the court held that inaccurate student loan reporting caused credit harm and triggered FCRA liability. 

This letter is written in good faith to give you the opportunity to resolve this dispute amicably. However, failure to act within the statutory time period will leave me no choice but to pursue all available remedies. 

I expect a timely investigation and resolution as required under federal law. 

Sincerely, 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 2025-08-21 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: MD

Complaint narrative:
Account Numbers in Dispute : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation of Federally Protected Rights In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts listed above have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

These accounts have either : Reported inaccurate information, Failed to follow reasonable procedures to ensure maximum possible accuracy, or Continued furnishing unverifiable or erroneous data to consumer reporting agencies. 

Relevant FCRA Provisions Violated 15 U.S.C. 1681e ( b ) Accuracy Requirement Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S.C. 1681i ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( i ) Any item of information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or modified. 

( ii ) The furnisher of such information must be notified promptly of the modification or deletion. 

15 U.S.C. 1681s-2 Responsibilities of Information Furnishers 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. 

15 U.S.C. 1681b ( a ) ( XXXX ) Permissible Purposes of Consumer Reports Information shall only be furnished with the consent of the consumer or for a permissible purpose as outlined by statute. 

Summary of Complaint The listed accounts have reported inaccurate and unverifiable information in violation of the above statutes. I am requesting : Immediate deletion or correction of the inaccurate items, in compliance with 15 U.S.C. 1681i ( XXXX ). 

Assurance that no further information will be furnished unless it meets the accuracy requirements of 15 U.S.C. 1681s-2. 

Full compliance with FCRA standards moving forward.

Company response to consumer: Closed with non-monetary relief