vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: IL

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 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 XXXXalance : {$0.00} 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 2025-08-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Between XX/XX/XXXXXXXX  and XX/XX/XXXX, several unauthorized hard inquiries appeared on my credit reports with XXXX, Equifax, and XXXX. I never gave written authorization nor established a permissible purpose with the companies listed below, yet they accessed my consumer report. 

Details of the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These companies accessed my credit report without my consent and without a legally permissible purpose, which is a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( a ). 

I request the immediate deletion of these inquiries from my credit reports, an updated corrected credit file, and confirmation of the actions taken. If these companies believe they had authorization, I demand documented proof of my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am XXXX XXXX XXXX, and this is my first financed vehicle. I purchased a XXXX  XXXX XXXX XX/XX/XXXXXXXX  with a co-signer. Since then, I have experienced multiple major issues that have left me stranded without a car and unable to move forward responsibly with my loan. 
In XX/XX/XXXX, the transmission failed. I paid thousands of dollars to replace it. 
In XX/XX/XXXX, the transmission failed again. 
The dealership originally agreed in writing to honor a replacement if the transmission was proven faulty. When it was proven faulty, they retracted the offer ( due to random stipulations involving the installation of said transmission ) The dealership currently has possession of my car and was refusing to return it to me ( after service manager, XXXX, says he would have it ready for pickup ) and at XXXX point denying that my vehicle was even in their system. 

Additionally, my co-signer ( my mothers ex-boyfriend ) has since abandoned both me and the loan. I do not have access to his information, and he is refusing to assist in any way, leaving me unable to refinance, restructure, or resolve this account. 

I contacted WestLake Financial for any possible assistance, maybe a forbearance or maybe loan modifications due to my situation. I was told there is no such thing and Youre not allowed to not pay for your car even though you cant drive it even though I've been paying my loan and insurance for almost 2 months and no running vehicle. I have been paying for XXXX  and rentals out of pocket too which is financially unsustainable, and Im truly out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

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 2025-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I don't want to go into too much detail because I have already sent supporting document, and because I don't have to I was scammed for my hard earned money. 
The 1st instance I was told that a girl was going to meet up with me to chill and XXXX, I got everything ready and I was happy, however she said she needed {$250.00} as well she was coming from far away and I sent it to her being generous, not knowing that when " she '' showed up it would be a male and he was apparently holding something due to his head being almost in his dash when he seen me. He made a face at me and I looked close enough to see that there was no one else in the car. So she had someone tried to set me up and rob me for my {$250.00} when I thought she was genuine enough to not scam me. All the messages are deleted because I had to move on from being in that head space, it was affecting me daily knowing instead of keeping it real they were trying to get me killed and took my money from the app called CashApp. I disputed this ahwile back, but heard notning good from it, and they declined the request to give my money back so it had to be a setup of more than the 1 person I was talking to, and as I said before when they showed up they did not appear to be who I was talking to over the phone. 

The recent transaction I sent money to a friend of mines because in person they said they would use the money to help me pay for my utility bills, we go to the same place to pay so she said hey just send me {$200.00} and we will go from there and I said ok and agreed however this person did not end up helping me and used it to pay off her rent. And this person has recently been texting and calling me telling me how broke I am when they used my money to help themselves, and took my money that I was going to use for something else. I have learned my lesson with sending money, however I still want what's mines, and what I earned, and I feel it would only be right. I never received the help or anything that they said they would do. So my money amounted to nothing, and now I'm currently struggling trying to get it all together, so please whoever is reading this understand that I'm not a bad guy, just be around bad people sometimes it was definitely a lesson to know that some people are not who they say they are no matter what you do with them or how close you may seem, I just hope to see my blessings from it, my hard earned money, in the total of {$450.00}. {$250.00} from the 1st scammer, and {$200.00} from the second one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: MD

Complaint narrative:
This complaint is not being submitted in error. My credit file contains inaccurate entries that do not meet the requirement of maximum possible accuracy. These reporting errors are causing ongoing harm to my financial stability and personal well-being and are placing an undue burden on me during an already difficult time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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:
I dispute the accounts listed in my report that appear to have been established through fraudulent use of my personal information. Please investigate and remove them promptly. Documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian for failing to correct inaccurate reporting on my credit file. I have disputed a bankruptcy account multiple times, providing supporting documentation and proof of identity. XXXX  has already removed this bankruptcy from my report, confirming it was inaccurate. However, Experian continues to report it despite my disputes and prior CFPB complaint. This ongoing inaccuracy is damaging my creditworthiness and is a violation of my rights under the FCRA.

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 2025-08-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This correspondence serves as a dispute of certain accounts appearing on my credit report without my authorization. I request a comprehensive investigation and their prompt removal. Enclosures are included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am formally disputing a derogatory credit mark reported by XXXX, a federal student loan servicer, after my loan was transferred from Nelnet on or around XX/XX/year>. 

Despite XXXX confirming my loan was in forbearance, they reported a derogatory status to credit bureaus. I was never notified of the transfer in advance. I only learned of the transfer after I initiated my own investigation on XX/XX/year>. XXXX then refused to provide account details until XX/XX/XXXX. 

An email confirming the transfer was sent to me after the credit damage occurred ( XX/XX/year> ). XXXX and Nelnet representatives repeatedly gave conflicting information. XXXX ( XXXX rep ) confirmed my address was incorrect in their system. XXXX ( another rep ) became aggressive when I questioned violations. XXXX ( a third rep ) admitted to listening to the previous call without informing me, acknowledged the account was in forbearance, but refused to escalate or provide contact information for credit corrections. 

I also contacted the FSA line on XX/XX/XXXX and spoke with a rep named XXXX. I remained calm and requested a supervisor multiple times. XXXX refused to escalate, talked over me, and eventually hung up. 

This situation includes : No proper notice of transfer A 14-day window where my financial information was inaccessible Credit reporting during confirmed forbearance Conflicting internal records Mishandling of escalation requests Failure to provide any dispute or resolution path I have emailed both XXXX and Nelnet and forwarded documentation to FSA, the FTC, and CFPB. The credit mark must be removed immediately under the Fair Credit Reporting Act and federal loan servicing guidelines. I am also requesting this incident be flagged within the Federal Student Aid system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
I need to emphasize that this complaint is not a mistake. My credit report contains clear inaccuracies, and it is your responsibility to ensure the maximum possible accuracy of the information reported. These errors are severely impacting me, causing ongoing harm and unnecessary stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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:
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 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 2025-08-18 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: TX

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 : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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, 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 2025-08-19 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: MI

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: CA

Complaint narrative:
I am filing this complaint because my credit report contains multiple inaccurate and harmful items, including false addresses, unverifiable charge-offs, misreported late payments, and duplicate collection accounts. These errors violate my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ). Despite my efforts, these mistakes remain on my report and continue to cause me serious harm.Accounts XXXXDept of Education ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) High Balances : {$940.00} / {$3000.00} / {$2300.00} Opened : XXXX Late Payments Issue : Late payments inaccurately reported during periods of deferment or forbearance. 
Law : FCRA 623 ( a ) ( 5 ) Furnishers must report accurate payment history.

Story : These student loan accounts show late payments, but in reality, some of these periods were during forbearance or deferment, meaning they should not have been reported as late at all. Mislabeling these payments damages my record and makes it look like I deliberately ignored my obligations, when in fact I was under legally approved relief programs. This mistake unfairly portrays me as careless with federal loans, which is deeply damaging and could impact future opportunities such as mortgage approvals or educational financing. 
Harm Caused These errors have caused me substantial harm : Denial of credit opportunities Higher interest rates on loans Emotional distress and reputational damage Difficulty securing housing and employment opportunities I have acted in good faith and requested validation and corrections, but these items remain on my report. The reporting agencies and furnishers are failing their obligations under federal law. 
Requested Action I am requesting the CFPB to investigate these matters and ensure : 1. Immediate correction or deletion of all inaccurate addresses.

2. Removal of all unverifiable charge-offs and duplicate collection accounts.

3. Correction of student loan late payment reporting that occurred during deferment/forbearance.

4. Enforcement of compliance with FCRA and FDCPA by the reporting agencies and furnishers. 
If these violations are not corrected, I reserve my right to seek further remedies, including legal action for willful noncompliance under FCRA 616 and 617.

Company response to consumer: Closed with non-monetary relief