vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: NC

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX XXXX XXXX XXXX XXXXXX/XX/year> XX/XX/year> {$11000.00} REPORTING ON ALL BUREAU ( EXPERIAN, XXXX, AND XXXX XXXX ) XXXX XXXX REPORTING ON ALL BUREAU ( EXPERIAN, XXXX, AND XXXX XXXX ) XXXX XXXX XXXX XXXX REPORTING ON ALL BUREAU ( EXPERIAN, XXXX, AND XXXX XXXX ) XXXX XXXX REPORTING ON ALL BUREAU ( EXPERIAN, XXXX, AND XXXX XXXX ) XXXX XXXX REPORTING ON ALL BUREAU ( EXPERIAN, XXXX, AND XXXX XXXX ) XXXX XXXX REPORTING ON ALL BUREAU ( EXPERIAN, XXXX, AND XXXX XXXX ) XXXX  XXXX REPORTING ON ALL BUREAU ( EXPERIAN, XXXX, AND XXXX XXXX ) XXXX XXXX XXXX REPORTING ON XXXX XXXX XXXX XXXX REPORTING ON ALL BUREAU ( EXPERIAN, XXXX, AND XXXX XXXX ) XXXX XXXX REPORTING ON ALL BUREAU ( EXPERIAN, XXXX, AND XXXX XXXX Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate 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 explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
My account has been accruing late fees due to Westlake financial hanging up the phone every month I call to make a payment which causes late fees and the account to be past due. I have spoken to XXXX reps today XXXX XXXX, he gave 3 different amounts due and when I asked for supervisor he place me on hold for 10+ mins and hung up and didn't call back, I called back in and got XXXX who also hung up when I asked for a supervisor, then I called back and got XXXX XXXX who sounded like she was having a rough day and when I asked for the supervisor she said nothing and I heard silence for 3 mins then she put me on hold with music for 20 plus minutes with no check in, I called back and got XXXX XXXX who was the best rep for the day and asked for a supervisor and he placed me on hold and I spoke to supervisor XXXX XXXX XXXX XXXX XXXX Westlake Financial Services is a horrible lien holder and they should be shut down with the way they cause late fees and issues with accounts. The customer service is horrible and I would like the late fees removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
I am a victim of fraud and would like these inquiries associated 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 2025-08-11 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 am a victim of fraud and would like these inquiries associated removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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 a victim of fraud and would like these inquiries associated 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 explanation
Consumer complaint received 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I respectfully request the removal of the following hard inquiries from my credit report : These inquiries were reported on my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved an extension of credit to me, the consumer, nor did I authorize them. However, it appears that my information was used in connection with these inquiries without my consent. 


XXXX  - XX/XX/year> Attached is my formal dispute, along with the fraud report I recently submitted to [ credit bureau ] for the second time. I trust this matter will now be addressed thoroughly and resolved in full.

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 2025-08-11 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: CA

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am sending this complaint to EXPERIAN regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Subject : Data Breach Dispute Request for Immediate Investigation and Removal of Inaccurate Information Dear : FTC, I am writing to formally dispute inaccurate and harmful information currently appearing in my credit file. This information is directly connected to the XXXX XXXX XXXX XXXX of XX/XX/year>, in which a significant amount of personal and financial information was exposed without my consent. I did receive notification that my account with XXXX  had been breached Pursuant to 15 U.S.C. 1681C-2 of the Fair Credit Reporting Act, I request that you conduct a thorough investigation and promptly remove the following accounts from my credit report, as they appear to be the result of fraudulent activity stemming from the data breach : Additionally I have never had any direct dealing with none of these companies, and have never signed any documentation associating me with them, I have no signed application or sales purchases, none have they provided any original documents.

Midland Credit Management ( 2 ) accounts {$1000.00} {$1200.00} XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$6800.00} These accounts are not valid obligations of mine, and I did not authorize their creation or reporting. I have enclosed copies of documentation supporting my claim, including breach notifications and relevant identification records. 

The exposure of my personal information in the XX/XX/year> breach has created a significant risk of identity theft and inaccurate reporting. Under 15 U.S.C. 1581C-2, I have the right to request the blocking of any information that I believe is the result of identity theft or other fraudulent use of my personal data.

I demand that you : Immediately investigate the disputed items.

Block or remove the above-listed accounts from my file.

Provide me with a written response detailing the results of your investigation within the statutory period.

Failure to comply with your obligations under federal law will leave me with no choice but to pursue all available remedies, Thank you for your immediate attention to this matter. I expect a prompt and thorough resolution in accordance with federal law. 

Sincerely, XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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. A 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 explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Summary : On XX/XX/2025, {$10000.00} was removed from the checking account for XXXX XXXX XXXX  ( XXXX  ) by Wells Fargo ( WF ) for technical reasons on their end. As of XX/XX/2025, the funds have not yet been returned. 
Details : XX/XX/XXXX - Deposit for {$13000.00} was made by XXXX XXXX, the XXXX XXXX, at Wells Fargo Bank, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX / Phone ( XXXX ) XXXX XX/XX/XXXX- We received a letter from Wells Fargo stating only {$2400.00} was received, so they withdrew {$10000.00} from our account on XX/XX/XXXX. The only contact for this was the letter. No one called to notify us of this withdrawal. That same day, XXXX went to the bank to inquire. The bank manager, XXXX, told XXXX that her check reader froze up part way through the XX/XX/XXXX deposit, so she was unable to complete the deposit. She sent the checks to ( I assume ) a central processing location for completion of the deposit. XXXX said XXXX had two weeks to process them, or until XX/XX/XXXX. Check again by then and come back if still a problem. 
The following week was our XXXX, our biggest fundraiser of the year. There was literally no time to think about this debacle. 
XX/XX/XXXX - I noticed the money was still not in our account. 
XX/XX/XXXX- XXXX returned to the bank. XXXX submitted a request to expedite. She said WF had another two weeks to respond ( or by XX/XX/XXXX ). 
XX/XX/XXXX- I phoned XXXX to complain. She submitted a complaint to the XXXX XXXX XXXX ( XXXX ). Case # given me was XXXX. 
XX/XX/XXXX- I received an email response to the XXXX complaint. Case # assigned on the email is XXXX. It said they had yet another XXXX weeks to research and respond, or until XX/XX/XXXX. 
XX/XX/XXXX- Still no return of funds. I phoned the XXXX branch again and spoke to XXXX XXXX who was filling in for XXXX at the bank. XXXX was at another office, so XXXX was going to call XXXX and ask her to phone me. No return call was received. 
XX/XX/XXXX - XXXX phoned the XXXX, phone ( XXXX ) XXXX. XXXX took my call, listened patiently as I expressed my frustration, then told me XXXX is my caseworker, ext XXXX. She left a voicemail for him telling him to call me. I also phoned and left a voicemail. No response. 
XX/XX/XXXX- I am beyond frustration and doubt the funds will be returned by XX/XX/XXXX, the day by which the XXXX  should have gotten our refund. In the meantime, phone calls have been coming in to XXXX  from our donors, asking why their checks haven't been cashed. We have a fear our donors will think we don't need their money and this is hurting our reputation. This {$10000.00} is needed to care for our XXXX shelter animals. Please can you help us?

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 2025-08-11 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:
I don't agree with the previous investigation and these accounts need to be reinvestigated. 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 anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Company keeps emailing me about an account that is unverified showing I owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: PR

Complaint narrative:
I am sending this complaint to EQUIFAX regarding inaccurate data reported on my credit file that has not been validated, certified as accurate, or physically verified. 

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : UNAUTHORIZED COLLECTION XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX  Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

Company response to consumer: Closed with non-monetary relief