vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX 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 2025-06-16 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: LA

Complaint narrative:
I am a victim of identity theft. These accounts do not belong to me and were opened without my knowledge or consent. Under 15 U.S.C. 1681a ( b ) and 1681g, I am exercising my rights as a consumer. Due to these violations, I am requesting that this account be removed from my consumer report immediately. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX 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 2025-06-16 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXalance : {$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 explanation
Consumer complaint received 2025-06-16 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: KS

Complaint narrative:
b'XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn\nI am writing to request these inquiries are r emoved from my credit report. of the following information that appears on my XXXX Consumer report. I have NEVER requested credit from the following accounts: \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE THESE ACCOUNTS THAT DONT BELONG TO ME AND I REALLY NEED THEM REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I used my debit card at a atm for about {$840.00} Then the next day I saw my card was charged for {$1100.00} without my authorization, I made a dispute and lost the initial dispute as well as a follow up. I would like to be refunded as this transaction was not made 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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOHELA
State: NY

Complaint narrative:
My student loan with Mohela went delinquent because of one missed payment which was not intentional. My account was in forbearance over the last 3.5 years due to Covid. 
I kept trying to call Mohela and nobody ever answers the phone. I was not able to make payment because they also changed their platforms. I have a negative mark on my credit report now, and based on Mohelas own information on their website they stated that they will provide USPS mail if your account is 60 days past due, which they did not. I have tried numerous times to dispute with Mohela to have this mark removed as it is in violation of their own policy. 
I am applying for a rental application and my score dropped XXXX points due to this negative report, a negative report that is in violation of Mohela policies and needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: OH

Complaint narrative:
This letter is a formal dispute and demand for the immediate removal of the following unauthorized hard inquiries from my credit file. I did not authorize any of these companies to access my credit report. I never gave written or verbal permission for these inquiries to be made. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under : 15 U.S.C. 1681b No inquiry may occur without permissible purpose and authorization 15 U.S.C. 1681e ( b ) Duty to ensure maximum possible accuracy 15 U.S.C. 1681i Duty to reinvestigate disputed information 15 U.S.C. 1681c-2 ( Section 605B ) Blocking of information resulting from identity theft This is a formal demand for the immediate removal and permanent block of a fraudulent account being reported by XXXX XXXX XXXX XXXX XXXX credit file. I am the victim of identity theft, and I did not authorize, open, or benefit from this account in any way. Account in Dispute : Creditor : XXXX XXXX XXXX Date Reported : [ Insert if known ] Nature of Dispute : Unauthorized account Identity Theft Required Action : Permanent deletion and block under FCRA XXXX XXXX LEGAL BASIS : In accordance with the Fair Credit Reporting Act, specifically : XXXX ( FCRA XXXX XXXX ) Requires blocking of fraudulent information upon notification of identity theft XXXX Obligation to reinvestigate disputed information XXXX ( b ) Duty to ensure maximum possible accuracy XXXX & XXXX Civil liability for willful and negligent noncompliance You are legally required to block this information from my credit report within XXXX business days of receiving my documentation and to complete your reinvestigation and provide confirmation of deletion within XXXX calendar days. I demand that you : Provide a copy of any signed documentation authorizing these inquiries. Provide evidence of a permissible purpose for each inquiry. Immediately block and delete any unverifiable or unauthorized inquiry.

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 2025-06-16 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: OH

Complaint narrative:
This letter is a formal dispute and demand for the immediate removal of the following unauthorized hard inquiries from my credit file. I did not authorize any of these companies to access my credit report. I never gave written or verbal permission for these inquiries to be made. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under : 15 U.S.C. 1681b No inquiry may occur without permissible purpose and authorization 15 U.S.C. 1681e ( b ) Duty to ensure maximum possible accuracy 15 U.S.C. 1681i Duty to reinvestigate disputed information 15 U.S.C. 1681c-2 ( Section 605B ) Blocking of information resulting from identity theft This is a formal demand for the immediate removal and permanent block of a fraudulent account being reported by XXXX XXXX XXXX XXXX XXXX credit file. I am the victim of identity theft, and I did not authorize, open, or benefit from this account in any way. Account in Dispute : Creditor : XXXX XXXX XXXX Date Reported : [ Insert if known ] Nature of Dispute : Unauthorized account Identity Theft Required Action : Permanent deletion and block under FCRA XXXX XXXX LEGAL BASIS : In accordance with the Fair Credit Reporting Act, specifically : XXXX ( FCRA XXXX XXXX ) Requires blocking of fraudulent information upon notification of identity theft XXXX Obligation to reinvestigate disputed information XXXX ( b ) Duty to ensure maximum possible accuracy XXXX & XXXX Civil liability for willful and negligent noncompliance You are legally required to block this information from my credit report within XXXX business days of receiving my documentation and to complete your reinvestigation and provide confirmation of deletion within XXXX calendar days. I demand that you : Provide a copy of any signed documentation authorizing these inquiries. Provide evidence of a permissible purpose for each inquiry. Immediately block and delete any unverifiable or unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I. Made a digital purchase with my sofi credit card on XX/XX/year> for {$4300.00} of a XXXXXXXX XXXX  Later I was told by XXXX it was XXXX XXXX XXXX I was sold I then disputed it on my credit card and was denied by sofi bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MS

Complaint narrative:
I am a victim of identity theft and have discovered fraudulent accounts and inquiries on my credit report that I did not authorize. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of these unauthorized items. 

Enclosed are a list of the disputed items and a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). Please investigate and remove these items promptly. 

I would appreciate written confirmation once the corrections have been made. 

Thank you for your attention to this matter.

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 2025-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I am filing a complaint against Westlake Portfolio Management XXXXXXXX Westlake Financial Services and Westlake Services regarding an alleged debt from XXXX XXXX XXXX Westlake has been contacting me without my prior knowledge or consent regarding this account, which I did not authorize to be transferred or sold to them. 

Since XX/XX/year>, I have received repeated and unsolicited communications from Westlake Portfolio Management claiming I owe a balance of {$13000.00} on an account originally held by XXXX XXXX XXXX XXXX They have offered a settlement of {$2600.00} if paid within 14 days. I never received any notification from XXXX XXXX XXXX that the account was being sold or transferred to Westlake. I did not receive a debt validation letter in accordance with the Fair Debt Collection Practices Act ( FDCPA ), nor was I provided with an opportunity to dispute or verify the debt within 30 days. 

This debt is now being treated as valid by Westlake Portfolio Management without my consent, and they are reporting this debt to credit bureaus under their name, despite never having had any legal or contractual agreement with me. 

Furthermore, the continued contact and attempt to collect on this alleged debt is causing emotional distress, confusion, and potential harm to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX -- - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: LA

Complaint narrative:
I am a victim of identity theft. These accounts do not belong to me and were opened without my knowledge or consent. Under 15 U.S.C. 1681a ( b ) and 1681g, I am exercising my rights as a consumer. Due to these violations, I am requesting that this account be removed from my consumer report immediately. Thank you.

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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: NY

Complaint narrative:
Was not living at the address that at the time the accusations were made.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MA

Complaint narrative:
My name is XXXX XXXX please take note that I am personally writing this complaint. Again, no third party involved. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I am not aware of all of this stuff ; I will have the FTC investigate on this matter.

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 2025-06-16 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:
Companies Involved : XXXX XXXX XXXX, XXXX TransUnion, XXXX Experian XXXX XXXX XXXX XXXX. 



Details of the Complaint : I am filing this complaint against XXXX XXXX XXXX, TransUnion, and Experian for their willful violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX has reported a derogatory account to both TransUnion and Experian under the name XXXX XXXX with an incomplete account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This reporting is legally deficient for several reasons : XXXX. Failure to Provide Required Disclosures : None of the parties provided me, XXXX XXXX, with the required consumer disclosures or notice of my right to dispute this debt prior to furnishing it to the consumer reporting agencies. This violates both the FCRA and FDCPA, which mandate that consumers be informed and given an opportunity to dispute debts before derogatory information is shared with third parties.

2. Lack of Proper Verification : In McDonald v. Rosengarten, it was clearly established that verification of a debt under federal law requires the debt collector to certify or attest that the information being reported is true and correct. None of the parties XXXX XXXX, TransUnion, or Experianhave provided me with any such certification, verification, or sworn attestation to confirm the legitimacy of this account. 
XXXX. Incomplete Reporting : The reported account is incomplete and misleading, as it does not list a full account number, which is a violation of the FCRAs accuracy and completeness requirements for consumer reporting data. 

This unverified and incomplete entry has caused serious harm to my credit profile, reduced my access to financial opportunities, and inflicted undue emotional and financial stress.

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 2025-06-16 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: NC

Complaint narrative:
Tonight I noticed that XXXX XXXX XXXX  is reporting an account that was closed in XX/XX/year> and they are still reporting it as an open account and with a past due amount this account is more than 7 years old and its still reporting they changed the date of last delinquency date to reflect a later date to keep it on my credit report long than its supposed to be. This is a violation of my rights per the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: NC

Complaint narrative:
Tonight I noticed that XXXX XXXX XXXX  is reporting an account that was closed in XX/XX/year> and they are still reporting it as an open account and with a past due amount this account is more than 7 years old and its still reporting they changed the date of last delinquency date to reflect a later date to keep it on my credit report long than its supposed to be. This is a violation of my rights per 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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I paid the debt and they said would delete tradeline. I am attaching XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief