vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: Westlake Services, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX the XXXX XXXX XXXX was paid off Vin Number XXXX with West Lake Financial, which was never contacted by XXXX, from XX/XX/XXXX to XXXX of XXXX its reported as I made payments to XXXX XXXX XXXX, and I never have, But XXXX posting negative inaccuracies from XXXX to XXXX, I lost high paying jobs, couldn't rent, nor get loans for my company. And what hurts me emotionally is a phone call isn't an investigation, I lost 5 years of growth, loss of income, and emotional distress. I have filed dispute after dispute and nothing ever happens. I couldn't even open a bank account for a line of credit. There is no way under the fair credit act in any sections 15 U.S.C 1681 start that you can pay a loan on a paid car, especially for a higher price. that would make me beyond stupid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

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 XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-06-25 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: NJ

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am disputing this account. XXXX XXXX is still reporting this debt on my credit file, meaning Credit Control may not have legal authority to collect or report it. I received no contract, no validation, and no authorization to share my data. The collection was also addressed to a trust, not me individually. Under FCRA 15 USC 1681b and 1681i, I request this be deleted immediately.

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 2025-06-25 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
There was a judgement for both of these accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> that clearly states these dept 's are uncollectible

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 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/year>, I filed a police report after discovering that my identity had been stolen. The report was approved and officially filed on XX/XX/year> ( Case # XXXX ). I took all necessary steps to notify relevant institutions of the incident. 

On XX/XX/year>, my wife gave birth to our first child. That same day, I attempted to make a payment using my Citi credit accountonly to find that the account had been completely closed without warning. 

This was incredibly distressing. I have never missed a payment with Citi and have always maintained the account responsibly. The abrupt closure left me without access to funds during a critical time for my family, despite having reported the identity theft and done everything expected of me as a customer. 

Citi took this action without notifying me, without giving me a chance to respond or verify, and in spite of my clean payment history. I am requesting a formal investigation into this matter and appropriate corrective action.

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 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I am not liable for these debts because it was not me that caused the debts for AFFIRM

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NC

Complaint narrative:
As a consumer with rights under the FCRA and FDCPA, I demand the immediate removal of all fraudulent, inaccurate, and unauthorized accounts from my credit report. Under 15 U.S. Code 1681i and 1681s-2 ( b ), you are legally obligated to reinvestigate and correct inaccurate information. If these accounts are not removed promptly, I will take legal action to protect my rights and seek all available remedies.

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 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Lendmark Financial Services
State: CA

Complaint narrative:
I have asked this company to stop calling me at work. My co-workers are now involved in my personal business. The company now calls under another phone number, but it is still the same company. 
last phone call was XX/XX/year> @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Someone opened an account at chase bank under a different name using my social and dob they changed my name to female I spoke with chase and told them it wasnt me they could clearly tell I was a male and still said it was me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
Subject : Request for Investigation under Section 1681i of the Fair Credit Reporting Act Dear Credit Bureau, CFPB I am writing to formally request an investigation of the following items that I believe to be inaccurate or incomplete on my credit report. This request is made under my rights provided by Section 1681i of the Fair Credit Reporting Act ( FCRA ) I have identified several inaccuracies that require immediate attention to ensure my credit report is accurate and complete. In addition to the items listed, I am particularly concerned about the inquiries made without my consent and the potential impact on my credit score. It is crucial for the integrity of my financial records that these non-account holding inquiries over 30 days old be removed. Furthermore, I request that Promotional Suppression be added to prevent any further unsolicited inquiries that could compromise my creditworthiness. Enclosed is a copy of my driver 's license to verify my identity and support my claims. 

Account Name 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 2025-06-25 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-25 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:
According to the Fair Credit Reporting Act ( 15 U.S.C. 1681, Section 602 ( a ) ), consumer reporting agencies such as Equifax and Experian are required to exercise their responsibilities with fairness, impartiality, and a respect for consumer privacy. As a consumer, I have the right to ensure my private information is not shared without my consent, as further supported by 15 U.S.C. 6801, which states that financial institutions must protect the security and confidentiality of nonpublic personal information. Under 15 U.S.C. 1681b ( 604 ) ( a ) ( 2 ), consumer reporting agencies may only furnish reports with written instructions from the consumer, which I have not provided. Therefore, any previous consentverbal, implied, or otherwiseis revoked. Additionally, 15 U.S.C. 6802 ( b ) - ( c ) prohibits the disclosure of nonpublic personal information to unaffiliated third parties unless consumers are informed and given the option to opt out. I was never informed of this right. Furthermore, the continued reporting of outdated or inaccurate adverse information violates 15 U.S.C. 1681c ( a ) ( 5 ), which bars reporting negative items older than XXXX XXXX. Under 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ), furnishers must not provide inaccurate data to consumer reporting agencies, and XXXX XXXX. XXXX requires agencies to maintain reasonable procedures to prevent such violations. Equifax and Experian have failed in this duty. Lastly, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of all data sharing and reporting activities. This notice serves as my formal request to cease and desist the reporting of any and all information related to me, as it has not been properly authorized and is in direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act ( 15 U.S.C. 1681, Section 602 ( a ) ), consumer reporting agencies such as Equifax and Experian are required to exercise their responsibilities with fairness, impartiality, and a respect for consumer privacy. As a consumer, I have the right to ensure my private information is not shared without my consent, as further supported by 15 U.S.C. 6801, which states that financial institutions must protect the security and confidentiality of nonpublic personal information. Under 15 U.S.C. 1681b ( 604 ) ( a ) ( 2 ), consumer reporting agencies may only furnish reports with written instructions from the consumer, which I have not provided. Therefore, any previous consentverbal, implied, or otherwiseis revoked. Additionally, 15 U.S.C. 6802 ( b ) - ( c ) prohibits the disclosure of nonpublic personal information to unaffiliated third parties unless consumers are informed and given the option to opt out. I was never informed of this right. Furthermore, the continued reporting of outdated or inaccurate adverse information violates 15 U.S.C. 1681c ( a ) ( 5 ), which bars reporting negative items older than XXXX XXXX. Under 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ), furnishers must not provide inaccurate data to consumer reporting agencies, and XXXX XXXX. XXXX requires agencies to maintain reasonable procedures to prevent such violations. Equifax and Experian have failed in this duty. Lastly, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of all data sharing and reporting activities. This notice serves as my formal request to cease and desist the reporting of any and all information related to me, as it has not been properly authorized and is in direct violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
I NOTICED THE FOLLOWING ACCOUNTS ON MY CREDIT REPORT AFTER REVIEWING ON XX/XX/2025 XXXX XXXX XXXX  ACCOUNT # XXXX, {$630.00} BALANCE XXXX XXXX XXXX XXXX, ACCOUNT # XXXX, {$860.00} XXXX XXXX XXXX, ACCOUNT # XXXX, {$390.00} BALANCE XXXX XXXX  ACCOUTN # XXXX, {$110.00} BALANCE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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 NOTICED THE FOLLOWING ACCOUNTS ON MY CREDIT REPORT AFTER REVIEWING ON XX/XX/2025 XXXX XXXX XXXX  ACCOUNT # XXXX, {$630.00} BALANCE XXXX XXXX XXXX XXXX, ACCOUNT # XXXX, {$860.00} XXXX XXXX XXXX, ACCOUNT # XXXX, {$390.00} BALANCE XXXX XXXX  ACCOUTN # XXXX, {$110.00} BALANCE

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 2025-06-25 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: IA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-25 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: IA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: UT

Complaint narrative:
Previous complaint XXXX Aidvantage provided letter dated XX/XX/XXXX stating they would refund the full amount of each of the XXXX payments dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX within XXXX weeks. It has been XXXX weeks and no money has been refunded. I called XX/XX/XXXX and was informed by a very kind woman named XXXX that it often takes 60 days and that I should just wait another XXXX weeks. Despite her helpfulness, I have zero confidence that there will be any money refunded at this point.

Company response to consumer: Closed with explanation