vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
I am submitting this complaint regarding ongoing violations by XXXX XXXX XXXX XXXX and ChexSystems related to my personal credit information. Despite repeated disputes and prior identity theft documentation, these entities continue to report fraudulent accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and ChexSystems. These accounts were not opened by me and have caused financial harm, emotional distress, and disrupted my ability to access financial services and housing. 

I received a {$20.00} XXXX XXXX XXXX XXXX check acknowledging prior misconduct, but this does not remedy the ongoing harm. On XX/XX/XXXX, the FTC and CFPB filed a joint complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX finalized on XX/XX/XXXX, which further validates systemic failures in reporting accurate information. 

I am submitting proof from the CFPB portal showing that ChexSystems stated it removed XXXX XXXX XXXX from my records, yet it is currently still being reported. All bank accounts continue to appear inaccurately. 

Under the XXXX FCRA updates, agencies must ensure maximum accuracy, reinvestigate disputed accounts, and block identity theft accounts within XXXX business days. Despite prior submissions of identity theft reports, these fraudulent accounts remain active. I am requesting that all listed fraudulent accounts be deleted within XXXX business days, with written confirmation and an updated credit report. 

The continued reporting violates FCRA 602, 611, 623, 605B, and 616617, and demonstrates disregard for consumer rights. ChexSystems, in particular, impacts access to banking services. I am filing this personally and seek the restoration of accurate credit reporting and compliance with federal law. Immediate corrective action is necessary.

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 2025-11-04 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: OH

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-11-04 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: FL

Complaint narrative:
I previously disputed late payment information that is being reported on my consumer file. The bureau was informed that this information is excluded from consumer reporting under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), yet the reporting continued. I then filed a second complaint for willful continuation of the violation, and the bureau still has not deleted the information. At this point, I am challenging the accuracy and verifiability of the reported data. The bureau has not produced any proof that the furnisher is legally authorized to report these late payments or that the data is verifiable through proper documentation. If the bureau can not produce validation, chain of custody, or authentication of the data furnished, then the information is legally unverifiable and must be deleted under the FCRA.

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 2025-11-04 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: MI

Complaint narrative:
I am providing new evidence regarding my dispute with XXXX XXXX XXXX. 

While my accounts are marked Closed and Consumer dispute reinvestigation in progress, XXXX and the credit bureaus have continued to alter my payment history and add remark codes without completing the reinvestigation or providing a Method of Verification.

This activity violates FCRA 611 ( a ) ( 5 ) ( B ), 611 ( a ) ( 6 ), and 604 ( a ). I am requesting the permanent deletion of both XXXX XXXX XXXX  accounts and a written confirmation of deletion from all three credit bureaus for failure to properly verify and maintain accurate information. 

I have attached updated evidence showing payment history and remark changes occurring during an active dispute.

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 2025-11-04 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: OH

Complaint narrative:
XX/XX/XXXX Under U.S.C. Sec 15 1681,1682,1683,1684, ( a, b ) 10298g, within FCRA rights and requirements the attached items must be removed immediately. Items that are beyond statue of reporting must be removed along with the rest of said unauthorized accounts! These items are a grave violation to my consumer credit report under FCRA U.S.C Sec 15 1681 which explains if an item can not be verified XXXX  days from receipt ( late payment, 1099c form from collection agency, printed copies of a persons signature and if this can not be validated under FCRA within XXXX days from receipt the items must be removed. A counter lawsuit will be issued if deemed any credit bureau is in VIOLATION of my FCRA USC Sec 15 laws at any point. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$79.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$180.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$320.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$360.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$520.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$690.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balanace {$1100.00} XXXX XXXX XXXX Date Openeed XX/XX/XXXX Balance {$1300.00} XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1400.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2100.00} Spring Oaks XXXX XXXX Date Opened XX/XX/XXXX Balance {$2200.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2200.00} XXXX Card Date Opened XX/XX/XXXX Balance {$4900.00} XXXX Card Date Opened XX/XX/XXXX Balance {$2300.00} XXXXXXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$1600.00} XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1000.00} XXXX Date Opened XX/XX/XXXX Balance {$830.00} XXXX XXXX Date Opneed XX/XX/XXXX Balance {$820.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$500.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$8100.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00}

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 2025-11-04 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:
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 XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-04 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:
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 XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX in XXXX, Alabama. The dealership fraudulently added an extra {$2100.00} to my down payment amount, reporting to my lender, Westlake Financial Services, that I paid {$3100.00} when I only paid {$1000.00} in cash. 

This false down payment was added to make my loan application appear stronger and to get me approved for financing. Because of this falsified information, my loan terms and interest rate may have been affected. The finance contract shows a lower amount financed ( around {$18000.00} ) instead of the true amount ( around {$20000.00} ). 

Westlake Financial confirmed that the dealer submitted a contract showing a {$3100.00} down payment, but the dealer has never provided any proof or receipt for that payment. I sent formal rescission letters and a revocation of power of attorney ( POA ) to both the dealer and lender, disputing the fraudulent contract. 

I also contacted Westlake Financial directly regarding this issue. They stated they have no fraud department, claimed there was nothing they could do, and denied my request for an investigation within XXXX hours of submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-04 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: HI

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX  XXXX, XXXX, XX/XX/XXXX, {$730.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$840.00} XXXX, XXXX, XX/XX/XXXX, {$160.00} Inquiries : None listed for Experian. 

Positive Accounts : None listed for Experian. 

Late Payments : None listed for Experian.

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 2025-11-04 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:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within XXXX  days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within XXXX  days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Loan XXXX  was dispersed on XX/XX/XXXX for {$2900.00}. Total amount paid shows {$4000.00} with only {$1500.00} towards principle. Current balance shows {$4600.00} with accrued interest {$5400.00}. 

Loan XXXX was dispersed on XX/XX/XXXX for {$4200.00}. Total amount paid shows {$6500.00} with only {$1800.00} towards principle. Current balance shows {$7300.00} with accrued interest {$9200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
My credit report shows collection accounts that I believe include inaccurate information. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I have the right to an accurate and reliable credit report. I am requesting that these collection entries be reviewed, and if they can not be confirmed as accurate, they should be promptly deleted from my record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
Examine the enclosed information ; the inquiries came up suddenly and could be improper.

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 2025-11-04 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: PA

Complaint narrative:
Charged Off Accounts : I am disputing the following charged-off accounts with TransUnion, as I believe there are discrepancies in the reporting or handling of these items : 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 XXXXXX/XX/XXXX Balance : {$3000.00} Inquiries : TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payments : I am disputing the following late payments reported by TransUnion, as I believe they are either incorrect or inaccurately reported 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