vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been in a data breach. I discovered negative and unauthorized information on my credit report, and I immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which has negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my tinancial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXXXXXX XXXX : {$410.00} XXXX XXXX ) XXXX XXXX XXXX Amount : {$860.00} XXXX XXXX ) XXXXXXXX XXXX XXXX  Amount : {$430000.00} XXXX XXXX ) XXXX XXXX  XXXX  Amount : {$200000.00} XXXX XXXX ) XXXX XXXX XXXX Amount : {$120000.00} XXXX XXXX ) XXXX XXXX  Amount : {$900.00} XXXX XXXX ) XXXX XXXX XXXX Amount : {$260.00} XXXX INCORRECT ADDRESSES LISTED : XXXX ) XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX ) XXXX XXXX XXXX XXXX, NV XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX MISPELLED INCORRECT NAMES XXXX : XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ) XXXX XXXXXXXX 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 2025-07-31 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: IL

Complaint narrative:
XXXX XX/XX/XXXX, I disputed a collection on my Experian report. 
I stated, " this letter serves as a formal request for written notice of a complete, proper and thorough investigation into inaccurate information appearing on my credit report. The items are not correct and are causing me financial distress because of their derogatory information. The item is as follow : ( XXXX ) XXXX XXXX XXXX - * XXXX - Closed Collection Account, over 30, 60 and 90 days - Misleading information. 
- The reason why the account should be removed is the Third-Party collector cant provide accurate documentation, other evidence of a payment violation or proof of signature on account. Previously, the account had been improperly verified by Experian with no proper or thorough investigation into inaccurate information. According to 15 U.S. Code 1692e, the reporting information is misleading under FCRA Violation. '' Please delete the disputed information as set forth per the FCRA which is federal law. As, consumer reporting agencies must maintain and report accurate credit information and investigate claims of inaccuracy. If the investigation finds the claim valid or the information unverifiable, I am requesting immediate deletion, update, or correction of the item ( s ) and a corrected credit report. 
I am also requesting the name, address, and telephone number of any credit grantor or subscriber contacted during the investigation. To add, if the information is deemed accurate, I request proof of accuracy, such as a contract or other instrument with my signature. Include copies of supporting documentation, such as payment records or court documents. Failure to conduct a proper investigation or correct inaccurate information within the timeframe of 30 days also violate the FCRA, and I reserve the right to pursue legal action.. I would like to thank you in advance for any and all assistance. 
Within 24 hours ( XXXX XX/XX/XXXX ), I was informed that the account was verified but none of the appropriate paper work was received by me.

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 2025-07-31 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: CA

Complaint narrative:
The accounts in question are being reported under my name without my knowledge, consent, or authorization. I have never opened, managed, or approved these accounts in any capacity. This is entirely unacceptable, as it introduces false and misleading information into my credit profile. 

I take the accuracy of my credit report extremely seriously. The appearance of these unauthorized accounts is deeply concerning and must be addressed immediately. I require a clear explanation of how these accounts were linked to my name and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have been repeatedly denied access to credit due to a reported error stating my file can not be located by the credit bureaus. Ive submitted all required identity documentation, including government ID, Social Security card, proof of address, and marriage certificate. Despite full compliance and follow-up, the issue persists, obstructing lenders from accessing my file, causing repeated denialsincluding during an active mortgage process. 

I have also attached supporting documents and screenshots that confirm my identity and illustrate the failed attempts to retrieve my report. 

In addition, I am actively disputing multiple tradelines with no resolution or proper reinvestigation under FCRA 611 ( a ) or FDCPA 809 ( b ), including : XXXX  Late payment, balance {$0.00}, continues to report 60-day delinquency with no validation. 

XXXX XXXX Charged off {$3500.00}, last payment in XXXX time-barred and should be deleted per FCRA 605 ( a ) ( 4 ). 

XXXX XXXX off {$1100.00}, inflated balance, unverifiable debt. 

XXXX XXXX XXXX XXXX XXXX XXXX  {$240.00} collection, no chain of title or validation ever provided. 

XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX All report late payments or charge-offs without verification, inconsistent dates, and no mailed results after disputes. 

I have received generic, computer-generated responses instead of proper reinvestigations per Metro 2 standards. My identity is fully verified and there is no legal basis for continued suppression or inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: NJ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-31 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: MT

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. Bankruptcy XXXX  XXXX Docket identifier XXXX / Bankruptcy XXXX  XXXX Docket identifier XXXX / Bankruptcy XXXX  XXXX Docket identifier XXXX / XXXX  XXXX/ XXXX XXXX  XXXX / XXXX XXXX XXXX / XXXX  XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: MT

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. Bankruptcy XXXX  XXXX Docket identifier XXXX / Bankruptcy XXXX  XXXX Docket identifier XXXX / Bankruptcy XXXX  XXXX Docket identifier XXXX / XXXX  XXXX/ XXXX XXXX  XXXX / XXXX XXXX XXXX / XXXX  XXXX. The following inquiries are not authorized. Please remove it from my credit report immediately. XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
I wasnt able to afford the car anymore and they didnt offer any resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I made a {$470.00} payment

on my Westlake Financial auto loan. I called customer service that same day and instructed that {$70.00} of that payment be applied directly to principal only, not toward future scheduled payments or interest. The agent confirmed this would be done. However, when I reviewed the payment history, it shows {$320.00} applied to interest and the rest split into XXXX XXXX XXXX XXXX not a separate principal-only payment. The {$70.00} was not properly isolated or documented as a principal-only payment as I instructed. 

I contacted customer service again XX/XX/year> and requested a proper payment breakdown. The live agent responded with a transaction summary that did not clarify anything or prove that the {$70.00} was applied to reduce my principal balance. After reviewing the transaction summary .I then contacted them again on the same day to reinstate my request. The live agent didnt not answer my request then abruptly closed the chat without responding to my final question.

I am requesting the company correct this and provide documentation showing the {$70.00} was applied as I directed to principal only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
XXXX OR THE CBE GROUP CONTACTING ON AN ACCOUNT I DINT HAVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: LA

Complaint narrative:
I am submitting this complaint against LexisNexis Risk Solutions due to their repeated failure to correct inaccurate bankruptcy information on my file, despite receiving detailed evidence from me, including court records from XXXX 

On XX/XX/XXXX, I sent LexisNexis a dispute letter pointing out inaccuracies in their bankruptcy reporting. I included a XXXX XXXXrintout proving the information they were reporting did not match the official case record. 

In response, LexisNexis falsely claimed that I had reported identity theft and declined to investigate. I never claimed identity theft. This was a misrepresentation of my dispute. 

On XX/XX/XXXX, I contacted the CFPB regarding LexisNexis 's failure to remove the bankruptcy. 

On XX/XX/XXXX, I followed up by sending LexisNexis a certified letter, again enclosing a copy of the XXXX XXXXourt record and a comparison showing how their report did not match. I also provided a copy of what LexisNexis had on file. 

On XX/XX/XXXX, LexisNexis responded stating they could not authenticate my identity and asked me to call them. 

On XX/XX/XXXX, I called LexisNexis and provided all necessary identifying information : my full name, address, and other personal verification details. I recorded this call. 

Despite confirming my identity, LexisNexis still failed to investigate or respond to the actual inaccuracies I outlined. 

On XX/XX/XXXX, LexisNexis sent a response to the CFPB, falsely stating that the bankruptcy was valid based on address and Social Security number. However, the issues I raised were not about identity or general association, but about factual mismatches between what they reported and what is listed in XXXX 

LexisNexis is clearly avoiding proper investigation by misrepresenting the nature of my dispute and providing misleading information to both me and the CFPB. They have failed to follow the requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which requires that a consumer reporting agency must : conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file within 30 days of the receipt of the consumers dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$38000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am trying to buy a home, I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

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 2025-07-31 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation