vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX ; XXXX filed on XX/XX/XXXX of this Year. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
1. XXXX - XX/XX/XXXX 2. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX 4. XXXX  - XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX  - XX/XX/XXXX 7. XXXX - XX/XX/XXXXXXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX ; XXXX filed on XX/XX/XXXX of this Year. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
1. XXXX - XX/XX/XXXX 2. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX 4. XXXX  - XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX  - XX/XX/XXXX 7. XXXX - XX/XX/XXXXXXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : [ Equifax / Experian / TransUnion ] Subject : Request for Removal of Closed Account from Credit Report Dear [ Equifax / Experian / TransUnion ] Representative, I am writing to formally request the removal of a closed and Inquiries account currently being reported on my credit file. The account in question is : Creditor : XXXXXXXX XXXX  Account Number : XXXX  Status : Closed / Date Closed : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Account Number : XXXX Status : Closed / Date Closed : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Status : Closed / Date Closed : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Status : Closed / Date XXXX Inquiries : 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 Although I understand this account is closed and reported as settled, I am requesting its removal based on the following : 1. Rehabilitation Efforts : Since resolving this account, I have made consistent and deliberate efforts to restore my credit standing. This closed account no longer reflects my current financial behavior, and its continued presence is impairing my ability to progress. 
2. Negative Impact Beyond Reasonable Timeframe : While technically eligible to remain on my credit report for seven years, the age and resolution of this account lessen its relevance. I am requesting its early removal as a gesture of goodwill and fairness in reporting, or as an early exclusion if it is within six months of aging off.

3. Verification Under the Fair Credit Reporting Act ( FCRA ) : I am also requesting that you verify this account under Section 611 of the FCRA. If the creditor can not fully verify its accuracy, completeness, and relevance, I request that it be deleted in accordance with federal law.

This account does not align with my present financial responsibility. As someone actively working to re-establish creditworthiness, I respectfully ask that you review and consider the removal of this account in full.

Please notify me in writing once this request has been processed. Should you require further documentation or identity verification, I am willing to provide it promptly. 

Sincerely, XXXX XXXX Date of BirthXXXX SSN ( Last 4 Digits ) : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : [ Equifax / Experian / TransUnion ] Subject : Request for Removal of Closed Account from Credit Report Dear [ Equifax / Experian / TransUnion ] Representative, I am writing to formally request the removal of a closed and Inquiries account currently being reported on my credit file. The account in question is : Creditor : XXXXXXXX XXXX  Account Number : XXXX  Status : Closed / Date Closed : XX/XX/XXXX Creditor : XXXX XXXX XXXX  Account Number : XXXX Status : Closed / Date Closed : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX Status : Closed / Date Closed : XX/XX/XXXX Creditor : XXXX Account Number : XXXX Status : Closed / Date XXXX Inquiries : 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 Although I understand this account is closed and reported as settled, I am requesting its removal based on the following : 1. Rehabilitation Efforts : Since resolving this account, I have made consistent and deliberate efforts to restore my credit standing. This closed account no longer reflects my current financial behavior, and its continued presence is impairing my ability to progress. 
2. Negative Impact Beyond Reasonable Timeframe : While technically eligible to remain on my credit report for seven years, the age and resolution of this account lessen its relevance. I am requesting its early removal as a gesture of goodwill and fairness in reporting, or as an early exclusion if it is within six months of aging off.

3. Verification Under the Fair Credit Reporting Act ( FCRA ) : I am also requesting that you verify this account under Section 611 of the FCRA. If the creditor can not fully verify its accuracy, completeness, and relevance, I request that it be deleted in accordance with federal law.

This account does not align with my present financial responsibility. As someone actively working to re-establish creditworthiness, I respectfully ask that you review and consider the removal of this account in full.

Please notify me in writing once this request has been processed. Should you require further documentation or identity verification, I am willing to provide it promptly. 

Sincerely, XXXX XXXX Date of BirthXXXX SSN ( Last 4 Digits ) : 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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am filing a formal complaint against Westlake Financial Services for inaccurate and misleading reporting of an auto loan account tied to an ongoing legal dispute. 

On XX/XX/year>, I financed a vehicle through Westlake that was later proven to be defective and fraudulently sold by a dealership. The car became undriveable in under XXXX miles, and I filed suit. Westlake Financial was named in the lawsuit, which resulted in a pending {$50000.00} bond disbursement related to the dealerships misconduct. 

Despite this active litigation, Westlake continues to report this account as a charge-off with no indication that the debt is legally contested. This violates : FCRA 607 ( b ) Westlake is furnishing incomplete or misleading information they know is under legal dispute.

FCRA 611 ( a ) They failed to correct this disputed item or account for relevant legal context.

FCRA 602 ( a ) The report is not fair or accurate while legal action and restitution are pending.

FCRA 605 ( a ) ( 1 ) Reporting the charge-off without acknowledging the legal fraud misleads lenders and violates fair reporting standards.

This item is directly interfering with my ability to secure transportation and business funding. I request immediate suppression or deletion of the account until litigation is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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:
On XX/XX/year> I decided to check my credit reports with the " XXXX XXXX ''. The first one that I came across was from Experian. To my surprise the first thing that I noticed was under the section entitled " names '', they have several different names listed for me. I only have XXXX name which they also have listed in my consumer credit report. I am asking that they remove they other excess names for aforementioned reason. As I continued to read the Experian report I was also shocked to see under the section entitled " Addresses '' they have over XXXX addresses listed for me. I only reside at XXXX place which they do not have listed on my consumer report at at. I have spoken to Experian now several times which also includes me following their direction and doing so in writing which cost me {$10.00} in postage for them to still not have the correct information. I am very upset about this and really would like the issues at hand to be fixed. 
On XX/XX/year> the next consumer credit report that I looked at was from TransUnion. As with Experian they have incorrect information as far as my name and address is concerned. As stated earlier in this complaint I only have XXXX legal name. I have submitted in print to TransUnion that the information that they have on my file is wrong and have requested that it be updated, in which I have not yet seen. 
On XX/XX/year> I got to my third and final consumer credit report which was from EquixFax. And just like the other XXXX they have incorrect information as far as what my legal name and address is XXXX also submitted in writing as requested for them to update the inaccurate information. I have not seen any change other than negative actions taken in my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: ResidentCollect, Inc.
State: FL

Complaint narrative:
I am filing this complaint because Innovative Recovery Inc is reporting a {$10000.00} collection account to my credit report for an alleged debt related to XXXX XXXX XXXX XXXX. I do not acknowledge this debt, and I formally disputed it in writing and requested validation. 

Instead of providing any proof or documentation, Innovative Recovery responded with a generic identity theft letter, even though I never claimed identity theft. They have failed to provide a lease agreement, itemized breakdown, or any documentation proving I owe this debt.Because of this unverified and false debt on my credit report, Ive been denied an apartment and had a credit card application rejected. This is directly harming my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: VA

Complaint narrative:
Tekcollect collection agency # XXXX. I am unaware of this debt and never was given the chance to dispute this account. If Tekcollect believes they sent me the proper notification, then please provide certified mail with a receipt displaying my signature. If not, please remove account # XXXX from my credit report, or I will have to resort to legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: GA

Complaint narrative:
Dear To Whomever This May Concern ......

I am writing to formally dispute certain inaccuracies present in my credit report. Below are some of the items I am contesting and other inaccuracies you may find on my credit report. 

XXXX XXXX XXXX, Account Number : XXXX XXXXXXXX I do not recognize this account. Please remove this inaccurate information from my credit report. 

XXXX XXXX, Account Number : XXXX XXXXXXXX I am a victim of identity theft and have not authorized this account. Kindly delete this fraudulent account and others false reported accounts from my credit record. 

XXXX XXXX XXXX, Account XXXX : XXXX XXXXXXXX This account was settled and paid in full. However, there are incorrect reports of late payments. Please update this to reflect the accurate status and remove any erroneous information. 

In accordance with the Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681i ( a ) ), I request that all unverifiable or inaccurate information be removed from my credit report. I kindly ask that you complete your reinvestigation within the 30-day period mandated by law.

Thank you for your prompt attention to this matter. I look forward to your confirmation that these corrections have been made. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: 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 ( TILA ), 15 U.S. CODE 1666 ( 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX CAP ONE Subject : Account No. XXXXXXXX XXXX XXXX XXXX XXXX Dear CAP ONE and Credit Reporting Agencies, I am writing to formally dispute the accuracy of the information reported on my credit file concerning account number XXXXXXXX XXXX XXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am entitled to request a thorough reinvestigation of any information I dispute as inaccurate or incomplete. Additionally, 15 U.S.C. 1681s-2 places a duty on furnishers to ensure the information they report is accurate and to promptly correct any errors.

Upon review, I have identified the following inaccuracies related to this account : Account status reported as Derogatory and Charge-off Balance and past due amounts listed as {$990.00}, which I dispute as inaccurate Payment status reported as Collection/Chargeoff Credit limit reported as {$0.00} Dates of last payment and last activity reported as XX/XX/XXXX Number of months ( terms ) reported as XXXX These inaccuracies materially affect my creditworthiness and violate the FCRAs requirement for accurate reporting. Furthermore, inaccurate reporting may contravene provisions under the Fair Debt Collection Practices Act ( FDCPA ) and Truth in Lending Act ( TILA ) if the debt is being misrepresented or unlawfully collected. 
I demand that CAP ONE and the credit reporting agencies : 1.

Conduct a complete and accurate reinvestigation of the disputed information within 30 days.

2.

Provide all supporting documentation that validates the accuracy of the reported information.

3. 
Correct or remove any information found to be inaccurate or unverifiable. 
Failure to comply with these requirements will compel me to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal remedies available under federal and state laws. 
Please confirm receipt of this dispute and provide written results of your reinvestigation promptly. Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
Complaint Title : Request for Removal of Incorrect Late Payment XXXX XXXX XXXX Account Details : I have a late payment reported in XX/XX/year> on my XXXX XXXX credit account issued by XXXX ( XXXX ). This late payment resulted from a membership account that was mistakenly opened and never properly linked to my main XXXX XXXX account, so I had no way to track or receive notices. 

I submitted a goodwill adjustment request to XXXX approximately 3-4 months ago, but have not received any response or resolution. This late payment unfairly impacts my credit report and does not reflect my payment history or creditworthiness. 

I respectfully request CFPBs assistance in ensuring XXXX properly investigates and removes this inaccurate late payment from my credit report. 

Thank you for your help.

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 2025-06-23 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:
XXXX XXXX XXXX XXXX Number : XXXX Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit account opened at Sync carecr on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). A loan account open at XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), a loan account open at XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), a loan account open at XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ), a loan account open at XXXX XXXX XXXX under account number ( XXXX ), a loan account open at XXXX XXXX XXXX on XX/XX/XXXX, XXXX accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) an ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief