vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
I have received a copy of my credit report and have found many inaccurate information. I demand that this account be deleted, as I have written in my complaint. Pursuant to the Fair Credit Reporting Act ( FCRA ), I am disputing the accuracy of the information reported for the above-referenced account by Experian, Equifax, and TransUnion. Upon careful review, significant inaccuracies and multiple violations were identified : Inaccuracies and Violations : 1. Incorrect Account Status Reporting : Experian lists the account as " 30 Days Past Due '' with 92 % timely payments, yet simultaneously shows recent payments as timely, creating contradictory and misleading information.

Equifax reports a " Late 30 Days '' payment status despite a stated 100 % timely payment history. 
XXXX. Incorrect Balance and Past Due Amount : Both Experian and Equifax inaccurately report a past due amount of {$690.00}, despite payment records clearly indicating timely payments. 
XXXX. Inconsistent Last Activity Dates : Experian and TransUnion report a last activity date of XX/XX/year>, while Equifax incorrectly lists it as XX/XX/year>, resulting in misleading and inconsistent reporting. 
XXXX. Inaccurate and Incomplete Payment History : Numerous months across all bureaus show " No data available, '' hindering proper verification and violating the completeness requirement stipulated by the FCRA. 
Total Violations : XXXX violations per bureau, totaling XXXX violations. 
Under the FCRA, each violation carries potential statutory damages of up to {$1000.00}, bringing the total potential statutory damages to {$12000.00}. 
I demand the following immediate corrective actions : Provide verifiable documentation supporting any alleged late payments. 
Immediately correct or remove all inaccurate payment statuses, balances, and past due amounts from my credit reports. 
Delete the entire account immediately from Experian, Equifax, and TransUnion due to significant inaccuracies and violations of the FCRA. 
Failure to comply with these demands within 30 days of receipt will result in escalated legal action, pursuing full statutory damages and additional legal remedies available. 
Please provide written confirmation upon completion of these corrections and deletions. 
Respectfully, 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 2025-08-05 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: CT

Complaint narrative:
I am submitting this complaint because Experian is reporting an unauthorized hard inquiry on my credit report. The inquiries were made by XXXXXXXX XXXX XXXXXXXX XXXX XXXX I did not apply for credit with the company and did not authorize them to access my credit file. I submitted a dispute and an FTC Identity Theft Report to Experian, clearly stating that the inquiry were made without my knowledge or consent, and requested immediate removal under the Fair Credit Reporting Act ( FCRA ). Despite this, Experian has refused to remove the inquiries. Under FCRA Section 605B, I have the right to request that any information resulting from identity theft be blocked from my credit report. I am requesting that the CFPB ensure Experian properly investigates and removes these unauthorized inquiries.

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 2025-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: OK

Complaint narrative:
I am submitting this complaint regarding a vehicle purchase and financing agreement dated XXXX XXXX through XXXX XXXX XXXX, XXXX and XXXX XXXX The vehicle purchased was a XXXX XXXX XXXX [ XXXX my concerns include the following a XXXX discrepancy exist between the vehicle price on the bill of sale XXXX and the amount XXXX  on the retail installment contract XXXX with no disclosure or explanation provided the dealership had me sign we owe documents, stating nothing was promised, despite verbal assurance regarding coverage of vehicle condition the finance documents presents conflicting deadlines 10 days versus 30 days to reject operation clause which could miss lead consumers about their rights. I was not fully informed of the high XXXX XXXX before signing which raises concerns about transparency and fairness, I believe these practices may violate the truth in learning act and related to protect the standards enforced by the CFPB I respectfully request an investigation and appreciate any assistance. Your office can provide and addressing these concerns sincerely XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint against the three major credit bureausXXXX XXXX, and TransUnionfor ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with Metro 2 Format and CDIA industry standards.

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information Metro 2 and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) 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  These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require XXXX XXXX, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-08-05 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:
This letter serves as my formal notice of dispute concerning certain accounts listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law. Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 
XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I Assumed an FHA mortgage for Approximately XXXX approximately XX/XX/year> It has since been paid down to Approximately XXXX. I have not been over 30 days late at any time during the past 7 years. I need them to report at least the past 36 months to me and all three credit bureaus. .Their omission is adversely affecting my credit scores because it looks like I don't own any real estate and therefore don't have any equity. 

In addition they have misapplied additional money intended to cure negative escrow balances due to increases in homeowners insurance and applied to future mortgage payments. The have since corrected that, however all the debits and credits created by this would be confusing to anyone. 

In addition, because my homeowners insurance company waived wind and hail coverage first with USAA.and now with XXXX XXXX, XXXX XXXX has required this coverage and paid for lenders placed wind and hail. At nearly 4 times my homeowners premium with XXXX XXXX causing my escrow to raise my payment from {$360.00}. to $ XXXX. With no prior notice and back dating policy effective date nearly 3 months. 

They did agree to finance the {$3100.00} lenders placed premium plus projected renewal premium over XXXX mo. which lowered payment to {$740.00} mo, which is still double what it has been. My principal and interest portion is only {$250.00} mo.! 
.

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 2025-08-05 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act XXXX XXXX. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: RI

Complaint narrative:
{ XXXXXXXX XXXX XXXXXXXX } Subject : Request for Investigation and Deletion Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern : I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking of information resulting from identity theft from consumer reports. 

I, { Customers First & Last Name }, am the victim of identity theft. I have identified inaccurate and fraudulent information on my consumer report that did not originate from any action of mine. Pursuant to Section 605B, I respectfully request that you investigate this matter and ensure that any consumer reporting agency in possession of this data promptly deletes or blocks the erroneous information. 

Enclosed are the following documents, as required by law : A copy of my government-issued ID Proof of address A Copy Of my social security card A detailed list of the fraudulent accounts or information to be blocked Under FCRA 605B, consumer reporting agencies are required to block such information within four ( 4 ) business days of receipt of this documentation. Therefore, I kindly request your office ensure compliance and follow up with the agencies involved to guarantee that my consumer rights are upheld and the harmful data is removed promptly. 

Please provide written confirmation that the disputed information has been blocked or deleted from my consumer file. 

Thank you for your immediate attention to this matter. 

Sincerely, { XXXX XXXX XXXX }

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: CA

Complaint narrative:
I need help removing a security freeze from my LexisNexis file. I have all the required information but can not get through to them. 

My situation : My insurance was recently cancelled and I need to remove the security freeze so insurance companies can access my file for new coverage. This is time-sensitive as I need insurance coverage. 

Information I have : - Consumer Number : XXXX - PIN : XXXX - Case Number : XXXX - Original letter from LexisNexis dated XX/XX/year> Problems I'm experiencing : 1. Their website only shows how to place a freeze, not remove XXXX XXXX. Called XXXX today but couldn't get through to speak with anyone 3. Email responses take too long for my urgent situation I understand that under federal law, I have the right to remove a security freeze using the PIN they provided. I'm not asking for anything unreasonable - just to use the PIN system they set up. 

The freeze is preventing me from getting necessary insurance coverage, which creates financial risk for me. I've tried their normal channels but they're not accessible when I need them. 

I would appreciate CFPB 's help in getting LexisNexis to process my freeze removal request using the PIN they gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX Department XXXX. XXXX XXXX XXXX XXXX, CA XXXX Union Subject : Credit Report Dispute Collection Account Dear transunion, I am writing to dispute the accuracy of the following collection account currently appearing on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$1600.00} Status : Collection account, {$1600.00} past due as of XX/XX/year> I have reviewed my credit report and have reason to believe this account is inaccurate or incomplete for the following reasons : 1. The reported balance shows a discrepancy between the original balance ( {$1500.00} ) and the current balance ( {$1600.00} ).

2. No validation of the debt has been provided to me by the collection agency.

3. The account may be unverifiable as required under FCRA Section 611.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am requesting that you investigate this account and provide documentation supporting its accuracy. If the account can not be verified, please delete or correct it 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 explanation
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( XXXX  ), XXXX U.S. CODE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Healthcare Collection Specialists, Inc.
State: NJ

Complaint narrative:
Reporting ads Charge Off not accurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Company Name : National Credit Adjusters ( XXXX ) Account Number : XXXX Original Creditor : XXXX XXXX Amount Reported : {$1800.00} Reported To : Experian, Equifax, TransUnion Complaint : I am filing this complaint due to multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX ( XXXX ). I mailed a certified debt validation letter on XX/XX/2025, and to date, XXXX has not mailed any response or provided proper validation of this alleged debt. 



Despite this, XXXX continues to report a balance of {$1800.00} to all three credit bureaus. However, when TransUnion verified the account, they only validated {$1000.00} and have since deleted the remaining entries tied to this account. This shows clear evidence of balance inconsistencies and inaccurate data being furnished. 



I am also attaching credit report screenshots as supporting evidence of : Inconsistent balances across credit bureaus ; Partial deletions by TransUnion ; Complete lack of validation from XXXX ; Ongoing collection activity and credit damage. 



Per the FDCPA ( 15 USC 1692g ) and FCRA ( 15 USC 1681s-2 ), I have the right to request full validation of any alleged debt before it is reported or collected on. XXXX has failed to comply and is now reporting false, inflated, and unverified information. 

Company Name : National Credit Adjusters ( XXXX ) Account Number : XXXX Original Creditor : XXXX XXXX Amount Reported : {$1800.00} Reported To : Experian, Equifax, TransUnion Complaint : I am filing this complaint due to multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX ( XXXX ). I mailed a certified debt validation letter on XX/XX/2025, and to date, XXXX has not mailed any response or provided proper validation of this alleged debt. 



Despite this, XXXX continues to report a balance of {$1800.00} to all three credit bureaus. However, when TransUnion verified the account, they only validated {$1000.00} and have since deleted the remaining entries tied to this account. This shows clear evidence of balance inconsistencies and inaccurate data being furnished. 



I am also attaching credit report screenshots as supporting evidence of : Inconsistent balances across credit bureaus ; Partial deletions by TransUnion ; Complete lack of validation from XXXX ; Ongoing collection activity and credit damage. 



Per the FDCPA ( 15 USC 1692g ) and FCRA ( 15 USC 1681s-2 ), I have the right to request full validation of any alleged debt before it is reported or collected on. XXXX has failed to comply and is now reporting false, inflated, and unverified information.

Company response to consumer: Closed with explanation