vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: GA

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 explanation
Consumer complaint received 2025-12-03 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: CO

Complaint narrative:
This is my third formal request to have the unauthorized accounts and inquiries on my credit report reviewed and corrected. These inaccurate entries have substantially lowered my XXXX score, causing difficulties in maintaining my financial stability. 

I am urgently seeking your assistance in resolving this matter, particularly as I am preparing to apply for a loan that requires a strong XXXX score for eligibility. Your prompt attention to this issue would be greatly appreciated and would allow me to proceed with my financial plans without further detriment. 

Thank you for your support and cooperation in correcting these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute inaccuracies related to my credit report. Below are the details of the accounts in dispute, separated by bureau. 

Charged Off Accounts : Account Name : XXXX XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$16000.00} Inquiries : Account Name : XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX Account Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: TX

Complaint narrative:
In XX/XX/year>, I entered XXXX of XXXX with a valid pre-approval from XXXX XXXX for a specific vehicle I was already approved to purchase. Instead of honoring the approval, the dealership sold the approved vehicle and pressured me into a different transaction. 

I explicitly told the dealership NOT to run my credit through multiple lenders. Despite this, they submitted my credit information approximately XXXX times between XXXX XXXX XXXX, including duplicate submissions to the same lenders. These were unauthorized and occurred without my consent. 

After damaging my credit with repeated hard inquiries, the dealership increased the negotiated price from around {$12000.00} to over {$16000.00}, even though the actual vehicle value was about {$11000.00}. These pricing changes happened after the credit pulls. I was not presented with accurate terms or fair financing options and felt pressured to sign due to the damage already done to my credit. 

This appears to involve unauthorized credit access, changes in terms after agreement, high-pressure tactics, and unfair or deceptive practices. I am requesting CFPB assistance in investigating the dealerships conduct, the unauthorized inquiries, and the resulting loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: MS

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding the following accounts on my credit report. Please review the information provided and make the necessary corrections as outlined below. 

XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX Account Number : 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 2025-12-03 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-03 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because Experian is reporting charged-off accounts and hard inquiries that I believe are inaccurate or unverified. Prior disputes have not resulted in proper verification or documentation. 

Charged-Off Accounts in Dispute XXXX XXXX XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Balance {$200.00} Issue : I have not been provided documentation verifying ownership, account status, or balance. The account XXXX be inaccurately reported or misrepresented. 

Hard Inquiries in Dispute XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing some of these inquiries and have not received verification from Experian. 

Request I am requesting that Experian : Conduct a full reinvestigation under FCRA 611. 

Provide documentation validating ownership, account status, and all inquiries. 

Remove any information that can not be verified.

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 2025-12-03 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 did not approve, open, or authorize these accounts, and they appear on my record in error. Please investigate this matter and remove them. Documentation is included to assist with the verification process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX 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 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 2025-12-03 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: LA

Complaint narrative:
I am filing this complaint to dispute the following accounts, which I believe to be inaccurately reported on my credit reports. Please review the accounts and take necessary corrective actions as per the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$810.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} LATE PAYMENTS : XXXX XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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:
These inquiries are unfamiliar to me and seem to have been made without my consent. I ask that this matter be reviewed and addressed promptly. Relevant documentation is attached.

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 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I previously filed a CFPB complaint regarding two XXXX charge-off accounts ( ending XXXX and XXXX ) that are reporting inaccurately and inconsistently across the credit reporting agencies. XXXX responded but failed to fix the errors and failed to provide any documentation verifying the accuracy of the information they are furnishing. 

Instead of supplying verification records, XXXX only stated that the reporting is accurate, without providing : charge-off documentation account statements internal ledgers original creditor records proof of the correct dates proof of consistent reporting across all bureaus The accounts still show different statuses, different closure dates, different creditor names, and improper utilization percentages depending on the credit bureau XXXX These inconsistencies violate FCRA requirements for maximum possible accuracy. 

XXXX did not conduct a reasonable investigation as required by FCRA 623 ( a ) ( 8 ). They did not fix the errors. They did not verify the accounts with documentation during the CFPB investigation. 

Because the information is inconsistent and unverifiable, it should not continue to be reported.

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 2025-12-03 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: MO

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

( I never signing any documentation with my hand and letters giving any permissions XXXX XXXX XXXX for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. 
The balance, past due amount, and status are not accurately reported. 
The account does not reflect complete and verifiable records of the debt. 

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfully established and charged off. 
2. Copies of the original signed contract or agreement bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated. 

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA. 

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required 30 days. 

Sincerely, 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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am disputing the following accounts on my Experian credit report as they contain discrepancies that need to be resolved. These accounts are incorrect, and the balance amounts do not reflect my true financial obligations. 

CHARGED OFF XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$19000.00} XXXX, XXXX, XX/XX/XXXX, {$18000.00} XXXX XXXX, XX/XX/XXXX, {$1900.00} XXXX XXXX, XX/XX/XXXX, {$26000.00} XXXX, XXXX, XX/XX/XXXX, {$98000.00} XXXX, XXXX, XX/XX/XXXX, {$25000.00} XXXX  XXXX, XX/XX/XXXX, {$120000.00} XXXX XXXX, XX/XX/XXXX, {$18000.00} XXXX, XXXX, XX/XX/XXXX, {$25000.00} XXXX  XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XX/XX/XXXX, {$5000.00} XXXX, XXXX XXXX XX/XX/XXXX, {$2100.00} XXXX, XXXX XXXX XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX, {$4100.00} XXXX XXXX XXXX, XX/XX/XXXX, {$8400.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX, XXXX, XX/XX/XXXX, {$19000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$7900.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX, {$6200.00} Inquiries EXPERIAN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Late Payments XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX CAPITAL XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years. 

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.

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 2025-12-03 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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