vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Alpine Credit, Inc
State: NV

Complaint narrative:
On XXXX XXXX I was contacted by my Old Landlord from a house I rented XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX0 my Old Landlord stated that the tenants had advised him that a process server with a badge and a video camera attached to his T-shirt, tossed documents in front of their house all caught on surveillance camera when confronted on surveillance camera by the tenants this process server laughed and continued to walk away. I was provided the video footage as well as picture footage from my old landlord that the tenants provided him. my Old Landlord informed me that when they got off of work, they picked up the documents from the front yard and took them back to the sheriffs office where the processor server came from. and drop them back off. They also recorded them dropping those documents back off as well as speaking with some sheriffs that were outside and informed them of the video they had and they had stated that that was an invalid serve and unprofessional of that sheriff/process server to toss documents on the ground and not physically hand them to somebody. Colorado does not allow " nail-and-mail '' service, therefore that was not a valid service of a process server as well as tossing documents at a residence. I do not reside at my physical address. Is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the collection agency knows that is my physical address. Come this week on my day off. I am going to go to the XXXX XXXX XXXX post office and send a request to dismiss to the courthouse as well as to the attorney that was listed on the document that my previous Landlord provided me the address to I am gon na request that the case be dismissed indefinitely for the lack of professionalism from the collection agency, as well as the process server for a non-valid process serve if the process server files a document stating that he served a person such as myself or anyone else, when they did not is false reporting because they are sworn to take an oath and Alpine credit Inc. should also request copies of the body footage that was worn by the process server showing that it was not a valid process serve as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
According to 15 U.S.C. 1681B a credit inquiry may only be made under certain circumstances and for permissible purpose. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report. The following inquiries were not authorized by me, and i request that they be removed from my credit report immediately 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/year>

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 2025-11-24 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: NE

Complaint narrative:
Two unauthorized hard inquiries were added to my credit report, and I did not give permission for either company to access my credit file. The inquiries are from : XXXX Inquired on XX/XX/XXXX, scheduled to remain until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX, scheduled to remain until XX/XX/XXXX. 

I did not apply for credit with either company and did not provide written, verbal, or electronic authorization for these credit pulls. I filed written disputes with all three credit bureaus ( Equifax, Experian, and TransUnion ) asking for documentation of permissible purpose and proof of authorization. None of the bureaus provided any documentation showing that I authorized these inquiries. They also did not provide the method of verification, a signed application, or any evidence required under the Fair Credit Reporting Act.

The credit bureaus continued to report these inquiries despite failing to produce any proof of permissible purpose. This violates multiple sections of the FCRA, including 604 ( a ) ( 2 ), 604 ( a ) ( 3 ), 604 ( f ), 607 ( a ), 609 ( a ) ( 1 ), 609 ( a ) ( 2 ), 609 ( e ), 611 ( a ), and 611 ( a ) ( 5 ) ( A ). Unverified information must be deleted, yet the bureaus did not remove the inquiries.

I am requesting assistance to require the credit bureaus to either provide documented proof that I authorized these inquiries or delete them immediately, as required by federal 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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Date : XX/XX/year> Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, FL XXXX To : Consumer Financial Protection Bureau ( CFPB ) RE : Formal Complaint Defamatory / Fraudulent Credit Reporting I, XXXX XXXX, am filing this formal complaint against credit reporting agencies and the data furnisher ( s ) for knowingly reporting defamatory, inaccurate, and fraudulent information on my consumer credit file.

I was a victim of identity theft, and several accounts appearing on my credit report do not belong to me, were opened without my authorization, or contain incorrect derogatory information that is damaging my credit profile.

I am requesting immediate investigation and enforcement actions under : FCRA 602 Protection against inaccurate and unfair credit reporting FCRA 605B Identity theft block FCRA 611 Reinsertion prohibitions FCRA 623 Furnisher liability for inaccurate reporting I demand that the credit bureaus remove and block all fraudulent or defamatory accounts, including any account that can not be verified as belonging to me.

I am submitting this complaint because my disputes have not been properly addressed by the credit bureaus, and I am seeking CFPB intervention to ensure compliance with federal law.

Please require the involved agencies and furnishers to : 1. Provide documented proof and original application with signature 2. Provide IP address, device ID, and location used to create the account 3. Block all unverifiable and fraudulent items under 605B 4. Provide written results to my address listed above Listed account : ; 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX / XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX - collection 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, 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 2025-11-24 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: FL

Complaint narrative:
Issue : Experian verified my XXXX XXXX account with the wrong furnisher and failed to conduct a reasonable reinvestigation. 
Description : I disputed a XXXX XXXX account ending in XXXX with Experian on XX/XX/year>. On XX/XX/year>, Experian marked the investigation as complete and stated the account was verified and will remain. 
This verification is invalid and violates federal law. 
Reason : XXXX  XXXX no longer owns this debt. The account was sold to XXXX XXXX XXXX, who is now the legal owner and current furnisher. XXXX XXXX own system directs me to contact XXXX XXXX for all account inquiries. 
Experian verified the account with XXXX XXXX, not XXXX XXXX XXXX. This is not a reasonable reinvestigation under : FCRA 611 ( a ) ( 1 ) ( A ) failure to conduct a reasonable reinvestigation FCRA 623 ( a ) ( 1 ) ( A ) using inaccurate or outdated information FCRA 623 ( a ) ( 3 ) failing to mark the account as disputed Experian used an incorrect furnisher, which means the verification is invalid.

Requested Resolution : I request that Experian : Reopen the dispute and conduct a proper reinvestigation with the correct furnisher, XXXX XXXX XXXX. 
Delete or correct the account if accurate verification can not be obtained. 
Provide a full method of verification, including the name of the entity contacted and copies of any documents used.

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 2025-11-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Westlake Services, LLC
State: NC

Complaint narrative:
Dealer stated vehicle was inspected and dependable on XX/XX/XXXX. Vehicle overheated and coolant leaked in front of repair shop owner on XX/XX/XXXX. Dealer ignored request to find another vehicle or tow the vehicle and have the XXXX XXXX XXXX fixed. Cost of repair is {$2200.00} approximately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I am writing to file a formal complaint and request a full investigation into the actions of Westlake Financial Services. I am extremely concerned about how an auto loan was allegedly opened under my name, despite the fact that I do not have a drivers license and therefore can not legally own or operate a vehicle.

I am requesting that Westlake Financial be required to provide the following : 1. Documentation proving that I possessed a valid drivers license at the time the account or loan was opened.

2. Documentation showing that an auto insurance policy was issued under my name for the vehicle connected to this account.

3. Any and all documents, applications, contracts, signatures, or identification used to open this account.

Under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), I have the right to receive accurate information regarding any account reported under my name. If this account was opened fraudulently or without proper verification, it is a direct violation of these laws and my consumer rights.

Given that I do not possess a drivers license, it is impossible for me to have legitimately purchased, financed, or insured a vehicle. Because of this, I believe I may be a victim of identity misuse or improper verification procedures by Westlake Financial.

I respectfully request that the CFPB investigate this matter and ensure that Westlake Financial provides all required documents and immediately corrects any inaccurate information associated with my credit file.

Thank you for your time and assistance. I look forward to your prompt help in resolving this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: IL

Complaint narrative:
Subject : Inaccurate, Unverified, and Duplicated Information Being Reported I am filing a complaint regarding multiple companies that are reporting inaccurate, incomplete, or unverified information on my credit reports. These errors are causing significant financial harm, lowered credit scores, and denial of credit.

Companies involved include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Issues I am experiencing : Inaccurate balances Duplicate reporting of the same debt under multiple companies Conflicting dates of first delinquency and last activity Accounts showing OPEN when they have been sold, transferred, or closed Multiple agencies reporting the same debt with different balances Inconsistent payment histories Possible re-aging of accounts No documentation provided when I requested debt validation Negative updates being added without verification, which violates FCRA 602 and 607 Accounts showing charge-offs and collections simultaneously Serious delinquencies ( 120+ days ) that are not accurate I have contacted these companies and requested verification, but they have not provided proper documentation. Many of the items appear to be inaccurate, unverifiable, or misreported, and multiple accounts appear to be duplicates. These issues violate the Fair Credit Reporting Act, which requires all furnished information to be accurate, complete, and verifiable.

I am requesting the CFPB to : 1. Require each company to provide full validation of the accounts they are reporting 2. Correct or delete all inaccurate information 3. Remove any information that can not be verified with original documentation 4. Ensure they stop reporting duplicate or conflicting data 5. Provide proper verification of dates, ownership, balances, and legal right to report 6. Force all furnishers to comply with FCRA accuracy requirements These inaccurate and conflicting accounts are harming my creditworthiness and financial opportunities.

I am requesting full investigation and corrective action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XX/XX/XXXX, XX/XX/XXXX, late 60 days XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$210.00} late 30 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: NC

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XX/XX/XXXX, XX/XX/XXXX, late 60 days XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$210.00} late 30 days XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} DPT EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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 2025-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: OR

Complaint narrative:
I had called XXXX to stop service and cancel my account in XXXX of XXXX, for an address I had previously had service set up. The tech support person assured me this was done and any remaining pay off amount was settled. 

I had received an email in XXXX about the next bill due date. I called their support line again. I asked why my account was still active, and was told that someone had not completed the task of canceling the service. I explained that I did this in XXXX, and no longer required service at this address. They, again, confirmed that the account was closed and that I was settled on the account. 

These conversations should be in their recorded call sessions, if their automated notification that calls are recorded is true. 

I had received a credit, to my XXXX account, of {$60.00} dollars. Any outstanding debt should be payable from this credit amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$97.00} 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 non-monetary relief
Consumer complaint received 2025-11-24 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: SC

Complaint narrative:
I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$97.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: CarMax, Inc.
State: LA

Complaint narrative:
I didn't have any and this information doesnt belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to dispute the accuracy of the above-referenced item on my credit report.

This information is incorrect and must be investigated under the Fair Credit Reporting Act ( FCRA ) 611.

Please verify : The accuracy and completeness of all reported information Proof that the furnisher has validated this account Any documentation with my signature agreeing to this debt If the furnisher can not verify the information within the required time ( 30 days ), you must delete it from my credit report as required by law.

Please send me written confirmation of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: DE

Complaint narrative:
CFPB COMPLAINT NARRATIVE XXXX XXXX XXXX I am filing this complaint because XXXX XXXX XXXX is reporting inaccurate and contradictory information about my auto loan. My XXXX XXXX XXXX XXXX was not repossessed. It was involved in an accident on XX/XX/XXXX, when another driver rear-ended me. The vehicle was taken to the XXXX XXXX XXXX XXXX XXXX the same day. XXXX never repossessed the vehicle. 

On XX/XX/XXXX, XXXX sent me a Notice of Our Plan to Sell Property. I called immediately, updated my address, and was informed the vehicle would be sold. XXXX  ledger shows they posted auction proceeds on XX/XX/XXXX, confirming the sale happened around that time. 

XXXX received approximately {$5500.00} for the sale. My balance was approximately {$2800.00} plus fees, leaving a documented surplus of {$1800.00} according to their breakdown. XXXX later sent a partial check for {$840.00}, which was deposited on XX/XX/XXXX and reversed on XX/XX/XXXX. These amounts conflict with XXXX  own statements. 

Despite XXXX receiving more than I owed, XXXX  is reporting my account as a charge-off and repossession, which is inaccurate. The vehicle was not repossessed, I did not default, and XXXX did not suffer a loss. Their ledger reflects a {$0.00} balance and conflicting surplus information. 
XXXX  has now posted paid, loss {$4000.00} written off. XXXX has suffered no loss as per their ledger. They have had the vehicle since XX/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 non-monetary relief