vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
My privacy is backed by laws set up by Congress to protect consumers. By allowing unauthorized access to my financial details, you've not only violated federal laws but also stepped on my constitutional rights, leading to unnecessary harm and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), due to the inaccurate reporting of late payments on my credit report by a data furnisher. 

I recently reviewed my credit report and noticed that the account listed as XXXXXXXX XXXX XXXX  Account Number : XXXX is reporting late payments on the following dates, when in fact all payments were made on time : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These errors are a direct violation of the FCRA, which requires all information furnished to credit bureaus to be reported with maximum possible accuracy. This inaccurate reporting is false, misleading, and has damaged my creditworthiness and access to fair financial opportunities. 

According to 15 U.S.C. 1681i ( a ), I have a right to dispute any item I believe to be inaccurate. Once I submit a dispute, the credit reporting agency is required to conduct a reasonable reinvestigation within 30 days. If the information can not be verified with original documentation, it must be deleted immediately. 

Additionally, I was never properly notified by XXXXXXXX XXXX XXXX about any supposed delinquencies, and I was not provided with any opportunity to address this matter prior to it being reported negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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 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 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 2025-05-01 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: FL

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681e ( b ), due to the inaccurate reporting of late payments on my credit report by a data furnisher. 

I recently reviewed my credit report and noticed that the account listed as XXXXXXXX XXXX XXXX  Account Number : XXXX is reporting late payments on the following dates, when in fact all payments were made on time : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These errors are a direct violation of the FCRA, which requires all information furnished to credit bureaus to be reported with maximum possible accuracy. This inaccurate reporting is false, misleading, and has damaged my creditworthiness and access to fair financial opportunities. 

According to 15 U.S.C. 1681i ( a ), I have a right to dispute any item I believe to be inaccurate. Once I submit a dispute, the credit reporting agency is required to conduct a reasonable reinvestigation within 30 days. If the information can not be verified with original documentation, it must be deleted immediately. 

Additionally, I was never properly notified by XXXXXXXX XXXX XXXX about any supposed delinquencies, and I was not provided with any opportunity to address this matter prior to it being reported negatively.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: MA

Complaint narrative:
My car was repossed on XXXX based off old information that the car was in an impound. I provided to Westlake Financial proof that i had paid to get the car back and it was in good standing. I have now spent 3 full days and 19 phone calls trying to find out why they still have the car and how to get it back. They had admited it was taken by mistake but they have not given me the car back. I have been told that I need to pay a repoy fee by some agents and others say i dont because it was taken in error. I have had 3 supervisors hang up on my claiming they were transfering me but it was after they either could not answer my question or didn't like that I asked to talk to someone else. At XXXX on XXXX i have been told that the car was taken in error but they have to investigate how to relase the car. They refuse to call the people who have it because thats not what they do and I still have no car 4 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
In early XXXX there was a reporting that returned to my credit profile stating that I had a bankrupcy. I have never had a bankrupcy and I sent in information to these companies showing that the name and address of the individual of this information was not me. 

XXXX  did a thorough investigation and removed this fale informtaion. Transunion and Experian did not. I am asking that this information be removed.

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 2025-05-01 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union closed this account in XX/XX/XXXX. However, they continued to report the account as open and active until XX/XX/XXXX. This was false and severely inaccurate. 

As a result, my credit report showed incorrect accounts status for nearly XXXX years, which impacted my credit utilization and dropped my score unfairly. 

This violates FCRA Section 623 ( a ) ( 2 ), which requires furnishers to update and correct inaccurate information. The correction only occurred after I raised complaints-not proactively. 

I am requesting a full investigation and for this account to be removed from my credit report due to the harm caused by negligent and prolonged misreporting. I am also requesting XXXX XXXX provide all documentation showing when the account actually closed versus what was reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX XXXX. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Credit Reporting Request for Immediate Investigation and Correction To Whom It May Concern, I am writing to file a formal complaint regarding inaccurate and harmful information being reported to the credit bureaus by both XXXX XXXX and Wells Fargo Card Services. These inaccuracies have negatively affected my credit profile and are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all data furnished to consumer reporting agencies must be complete and accurate. 

1. XXXX XXXX ( Account ending in XXXX ) This creditor has reported a late payment for XX/XX/XXXX, which I dispute as inaccurate. I have made all required payments on time, and there is no valid basis for this derogatory entry. Under FCRA Section 623 ( a ) ( 1 ) ( A ), a data furnisher must not provide information that it knows or has reasonable cause to believe is inaccurate. Additionally, under FCRA Section 611, I am entitled to dispute any information I believe to be incorrect and request that the furnisher of that information investigate and respond in a timely manner. 

2. Wells Fargo Card Services ( Account ending in XXXX ) Wells Fargo has reported a late payment for XX/XX/XXXX, which I also dispute as incorrect. I made this payment within the contractual grace period and in accordance with the terms of the account. The reporting of this payment as delinquent is inaccurate and misleading, which violates my rights under the FCRA. Furthermore, I have not been provided any documentation substantiating this alleged delinquency. 

Both of these reporting errors are severely impacting my creditworthiness, causing distress and potential denial of future credit opportunities. As a consumer, I am protected under the FCRA ( 15 U.S.C. 1681 et seq. ), and I demand the following actions be taken immediately : 1. A full investigation by each respective financial institution ( XXXX XXXX and Wells Fargo Card Services ) into these claims. 
2. Immediate correction and removal of the inaccurate late payment notations from all consumer reporting agencies.

3. Written confirmation that these corrections have been made. 

If these issues are not resolved promptly and accurately, I will consider pursuing further action, including filing formal complaints with the Federal Trade Commission ( FTC ) and considering legal remedies under the FCRA for damages caused by negligent or willful misreporting. 

Thank you for your prompt attention to this matter. I respectfully request acknowledgment of receipt of this complaint and confirmation of the steps being taken to resolve it. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Last 4 SSN : XXXX DOB : 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
Consumer complaint received 2025-05-01 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NRA Group, LLC
State: TX

Complaint narrative:
I have disputed several times with XXXX first starting back in XXXX XXXX XXXX XXXX XXXXollection agency called National Recovery Agency and the original debtor XXXX XXXX XXXX. It was removed after their investigation on my credit report with XXXX. I have no dealing with XXXX XXXX XXXX. I don't know what it is, and I never made a debt with this company. I have been to XXXX hospital over XXXX years ago and I know the name of the hospital and it's not XXXX XXXX XXXX. XXXX XXXXXXXX XXXX never contacted me or national recovery agency about this debt. Experian agreed in XX/XX/XXXX this company had no right to put on my credit report. The original debtor does not match, and they could not provide proof. It was removed and last month XX/XX/XXXX XXXX  placed back on account with opening date XXXX and I dispute again, and they denied and left on my account when they know the opening date is incorrect and I have no knowledge of the original debtor. My score dropped XXXX points, and the new rule states credit score can not drop because of medical which went in effect in XX/XX/XXXX. This was added to my report XX/XX/XXXX after the ruling and they still drop my score. I can't discuss why they are not following the rules that was passed in XX/XX/XXXX. Why are they leaving fraudulent items on my credit and reporting incorrect information. National recovery is reporting inaccurate information to XXXX different agencies, XXXX  was reported as delinquent as of XX/XX/XXXX anXXXX XXXX XXXX XXXX XXXXte. They are not investigating like they did in XX/XX/XXXX and sending me that this account is accurate and verified within XXXX minutes.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed several times with Experian first starting back in XX/XX/XXXX a medical collection agency called XXXX XXXX XXXX and the original debtor XXXX XXXX XXXX. It was removed after their investigation on my credit report with Experian. I have no dealing with XXXX XXXX XXXX. I don't know what it is, and I never made a debt with this company. I have been to one hospital over 8 years ago and I know the name of the hospital and it's not XXXX XXXX XXXX. XXXX XXXX XXXX  never contacted me or XXXX XXXX XXXX  about this debt. Experian agreed in XX/XX/XXXX this company had no right to put on my credit report. The original debtor does not match, and they could not provide proof. It was removed and last month XX/XX/XXXX Experian placed back on account with opening date XXXX and I dispute again, and they denied and left on my account when they know the opening date is incorrect and I have no knowledge of the original debtor. My score dropped XXXX points, and the new rule states credit score can not drop because of medical which went in effect in XX/XX/XXXX. This was added to my report XX/XX/XXXX after the ruling and they still drop my score. I can't discuss why they are not following the rules that was passed in XX/XX/XXXX. Why are they leaving fraudulent items on my credit and reporting incorrect information. XXXX XXXX is reporting inaccurate information to 2 different agencies, Equifax was reported as delinquent as of XX/XX/XXXX and Experian XXXX opening date. They are not investigating like they did in XX/XX/XXXX and sending me that this account is accurate and verified within 5 minutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NJ

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-01 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX  Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: MD

Complaint narrative:
I found accounts and inquiries on my account that dont belong to 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 non-monetary relief
Consumer complaint received 2025-05-01 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: OH

Complaint narrative:
All three credit bureausXXXX XXXX XXXX Equifaxare reporting a closed auto loan account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a past-due status and balance of {$0.00}. It is illogical and misleading for a closed account that has no remaining balance or delinquency to continue being coded as delinquent. This type of reporting distorts the true financial history of the account and misrepresents my payment behavior to current and potential creditors. The account is paid off and closed, so it should no longer be reflected with derogatory notations. Under 15 USC 1666b, creditors are required to apply payments in a fair and timely manner, and 15 USC 1681e ( b ) obligates credit reporting agencies to report that data accurately. The continued presence of a past-due status despite a {$0.00} balance clearly violates those legal requirements.

Company response to consumer: Closed with non-monetary relief