vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-31 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is a follow-up to my previous CFPB complaint ( XXXX ). Chase and JPMorgan have already acknowledged that the negative balance on my account was caused by their error, not mine, yet they continue to investigate the issue nearly two months later.

This delay is severely impacting me financially my phone service has been disconnected, I can not pay essential bills, and Chase refuses to issue the provisional or goodwill credit they are obligated to provide under their own policy.

I urgently request CFPB intervention to ensure Chase immediately resolves this issue and credits my account. I can not make or receive phone calls due to this situation, so please contact me by email only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute several accounts that appear on my credit report, which I believe to be inaccurate, incomplete, or unverifiable. These entries are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation V ( XXXX ). I request a full investigation and removal of any entries that can not be verified with proper documentation. 
Accounts in Dispute 1. XXXX XXXX [ Account Number ] ( Opened [ Date ] ) Violations : FCRA 607 ( b ) ( inaccurate reporting ) ; FCRA 611 ( a ) ( 1 ) ( A ) ( failure to verify ). 
2. XXXX XXXX XXXX $ [ Balance ] ( Opened [ Date ] ) Violations : FCRA 607 ( b ) ( inconsistent payment history ) ; FCRA 611 ( a ) ( 1 ) ( A ) ( failure to verify ) ; Reg V XXXX XXXX ) ( failure to comply with proper account status fields ). 
3. XXXX XXXX XXXX $ [ Balance ] ( Opened [ Date ] ) Violations : FCRA 607 ( b ) ( incorrect payment history ) ; FCRA 623 ( b ) ( 1 ) ( C ) ( failure to correct inaccuracies after being informed ). 
4. XXXX XXXX Account Number ] ( Opened [ Date ] ) Violations : FCRA 607 ( b ) ( data discrepancies across bureaus ) ; FCRA 611 ( a ) ( failure to verify ) ; FDCPA 807 ( 8 ) ( false representation of debt status ). 
5. XXXX XXXX XXXX $ [ Balance ] ( Opened [ Date ] ) Violations : FCRA XXXX ( b ) ( failure to ensure accuracy of account status ) ; FCRA 611 ( a ) ( 1 ) ( A ) ( failure to investigate after dispute ).

Legal References & Basis for Dispute 1. FCRA 607 ( b ) : Requires that the credit reporting agency maintain maximum accuracy in reporting and rectify any incomplete information.

2. FCRA 611 ( a ) ( 1 ) ( A ) : Requires CRAs to perform a reasonable investigation after a dispute and correct or remove the data if it is found to be inaccurate.

3. FCRA 623 ( b ) ( 1 ) ( C ) : Requires furnishers to correct any inaccurate information within 30 days after being notified of a dispute.

4. FDCPA 807 ( 8 ) : Prohibits collectors from reporting false or misleading information about a debt.

5. Reg V ( XXXX ) : Mandates that CRAs must report accurate status codes and update account information following dispute resolutions.

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 2025-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: GA

Complaint narrative:
I received A bill that states I owed {$930.00} and it had XXXX  listed on there and I took this to XXXXXXXX XXXX XXXX XXXXXXXX. I showed them the bill that they told me they don't know why I'm receiving this bill due to my account being closed and paid in full and they don't know who's Cascade Capital llc. That's listed on the bottom of the paper. I'm assuming this is a SCAM. They normally send me a bill with XXXX as the main name on their billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Equifax has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please look into the provided records ; the inquiries occurred suddenly and could lack approval.

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 2025-10-31 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: OH

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of an account with XXXXXXXX XXXX  ( Account No. XXXX ) on my EXPERIAN credit report. According to my records, this account was fully paid and settled as of XX/XX/year>, and there were no late payments or outstanding balances at any time prior to closure. Despite this, EXPERIAN appears to be continuing to report this account inaccurately or has possibly suppressed it in a way that misrepresents my credit history. I am including this account information to ensure that you verify its accuracy and confirm that no erroneous or outdated information remains on file.

This situation constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information and to ensure maximum possible accuracy in the information they report ( 15 U.S.C. 1681e ( b ) ). EXPERIANs failure to either correct or properly verify this account after it was paid in full represents a breach of your duty under federal law. Additionally, continuing to report this account inaccurately after a formal dispute can be considered willful noncompliance under 15 U.S.C. 1681n.

Furthermore, this conduct also violates New Jerseys Fair Credit Reporting Act ( N.J.S.A. 56:11-28 et seq. ), which mirrors the federal FCRA and mandates that credit reporting agencies maintain accurate, complete, and up-to-date credit information. The continued reporting of a paid and settled account as active or delinquent misleads lenders and negatively impacts my creditworthiness, directly violating my rights under state law.

I request that EXPERIAN conduct a full reinvestigation of this account, provide written confirmation of its current reporting status, and delete or correct the account immediately if it can not be verified as accurate. Please confirm in writing the results of your reinvestigation and ensure that all relevant updates are transmitted to other credit bureaus as required by 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 2025-10-31 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:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: AZ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-31 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: AZ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I financed my vehicle through XXXX XXXX on or XXXX. As part of my financing agreement, I also purchased XXXX XXXX  coverage, which was included in my loan documents and financed into my monthly payments. 

On XX/XX/year>, my vehicle was involved in an accident and was declared a total loss by my insurance company, XXXX XXXX XXXX. The insurance company issued a settlement for the vehicles actual cash value, leaving a remaining balance owed on the loan that should be covered by my XXXX XXXX. 

However, after the accident, I discovered that XXXX XXXX is no longer operating and has been acquired by Westlake Financial. When I contacted Westlake Financial to request information about my XXXX  coverage and how to file a claim, I was told that the XXXX  XXXX was through a third-party provider and that Westlake could not assist me. 

I have made multiple attempts to contact both Freeway Funding and the XXXX  XXXX company directly by phone and email but I have received no response from anyone. XXXX XXXX phone lines appear disconnected, and my emails have gone unanswered. 

I have repeatedly informed Westlake Financial that I am unable to reach the third-party XXXX administrator, and I have asked them to provide me with the XXXX providers name, policy number, or a valid claims contact. Each time, Westlake has told me they can not do anything and have refused to provide the information I need to file my XXXX claim. 

As a result, I am currently unable to file my XXXX claim, and I am being held responsible for a loan balance that should be covered under the XXXX  policy I paid for. This situation is causing serious financial stress and credit concerns. 

I am requesting that the responsible parties Westlake Financial and/or the XXXX  insurance provider be required to : Provide documentation of my XXXX  policy, including the policy number and insurer name ; Reestablish communication or assist me in filing my XXXX claim ; and Ensure that the remaining balance on my totaled vehicle is properly handled per the XXXX coverage terms. 

I have documentation available, including my financing agreement, insurance settlement, and records of my

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Dispute of Fraudulent Account Request for Investigation and Removal Under FCRA Section 605B File Number : XXXX Dear TransUnion Dispute Department, I am writing to dispute a fraudulent account that appears on my TransUnion credit report. The details are as follows : Creditor Name : XXXX XXXX Account Type : Collection Account Balance : {$4100.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX This account does not belong to me and was likely created using my personal information without authorization. I was a victim of a data breach, and I believe my identity was compromised as a result. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am requesting that TransUnion block all information resulting from this identity theft from my credit file within four ( 4 ) business days of receiving this request and the required documentation.

Enclosed are copies of the following documents to verify my identity and support my claim : Government-issued photo identification Proof of current address ( utility bill ) [ Optional if available : Identity Theft Report / Police Report/ FTC Identity Theft Affidavit ] Please conduct a full investigation, remove this fraudulent account from my credit file, and provide written confirmation once the account has been deleted or blocked.

Thank you for your prompt attention to this matter. I look forward to your written response within the time frames required by law. 
Sincerely, 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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation