vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX [ Eqiufax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

Re : Request for Investigation and Deletion of Unverifiable Information under the Fair Credit Reporting Act To Whom It May Concern : I am writing to formally dispute certain information currently being reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), I am requesting an investigation into the accuracy and verifiability of all information reported in my credit file. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX  Please be advised that any item in my credit report that can not be verified must be promptly deleted. The FCRA requires that you complete your reinvestigation within 30 days of receiving this dispute. If the information provider can not produce documentation proving the accuracy and completeness of the information, it must be removed from my credit report. This is not optional it is a legal obligation under federal law. 

Do not rely on electronic or third-party databases to verify the accounts in question. Verification must come from the original furnisher of the information, supported by documentation that is independently verifiable. 

In accordance with 611 of the FCRA, I am requesting that you : 1. Conduct a full and fair reinvestigation of all items that may be unverifiable ; 2. Delete any information that can not be verified within the statutory timeframe ; 3. Provide me with a free updated copy of my credit report after your investigation is complete ; 4. Provide written documentation of the results of your reinvestigation, including the name, address, and contact information of each data furnisher involved. 

Please find enclosed the following documents for identity verification, as required : A copy of my government-issued photo ID A copy of my Social Security card A recent utility bill or bank statement as proof of address This letter is submitted in good faith in accordance with my rights under federal law. Failure to comply with the FCRAs provisions could result in further action to enforce my rights. 

Thank you for your prompt attention to this matter. I expect to receive a response within 30 days, as required by federal law. 

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 non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The wrong information is reporting on my credit report.

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 2025-09-14 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: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Keith D. Weiner & Associates Co., L.P.A.
State: KY

Complaint narrative:
Keith D Weiner & Associate Co. has wrongfully been paid in full over the last few months.The sum of XXXX I never had any agreement with these people so if they could be so kind as to prove there affiliation to me I would appreciate.XXXX  XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Urgent Complaint Experian Misrepresentation & Obstruction of Justice To Whom It May Concern, I am submitting this formal complaint regarding Experians handling of my case and the serious misconduct that has occurred. 

A XXXX XXXX XXXX has issued a ruling and closed this case. Experians employee, XXXX XXXX, was present in court, is fully aware of the Judges ruling, and therefore can not claim otherwise. Despite this, Experian is falsely representing that this matter remains in litigation, which is factually and legally incorrect. 

Following the court appearance, XXXX XXXX spoke with me privately outside the courtroom and provided me with her direct phone number. I have made numerous attempts to reach her, leaving multiple messages, but she has failed to respond or return my calls. 

Experians continued refusal to update or correct its records, its false claims regarding litigation status, and its blocking of my ability to dispute my credit report constitute serious violations of law. These actions amount to obstruction of justice and demonstrate ongoing malice and neglect. The Department of Justice has also been notified of Experians conduct. 

At this time, I am unable to dispute any credit report entries because Experian has effectively blocked my access. This is illegal, and my credit has been severely and unjustly harmed as a result. 

I demand immediate corrective action, including but not limited to : Removal of the false in litigation status. 

Restoration of my full right to dispute items on my credit report. 

Written confirmation from Experian acknowledging compliance with the courts ruling. 

If Experian continues to obstruct or ignore this matter, I will have no choice but to pursue all available legal remedies and escalate this complaint further with the appropriate regulatory and enforcement agencies.

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 2025-09-14 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: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of the charge-off account reported under my name. After reviewing my credit file, I have reason to believe that this account is being reported in violation of applicable laws and procedures. 

Specifically, I contend that this account is invalid due to improper handling within the securitization process. Once a debt is securitized and sold into a trust or to investors, the originating creditor and subsequent servicers may no longer retain proper ownership or rights to report, collect, or charge off the account in the manner currently reflected on my credit file. Reporting this account as a charge-off appears to be inconsistent with the chain of title, ownership rights, and governing securitization agreements. 

Under the FCRA 15 U.S.C. 1681, I request that you : 1. Provide verification and validation of the legal right to report and collect on this account, including documentation proving the creditor 's ownership interest following securitization.

2. Investigate and remove this account if proper verification can't be produced.

3. Ensure that all reporting complies with the accuracy and fairness standards required by law.

Please consider this letter a formal dispute. I expect your reinvestigation and response within the required timeframe under the FCRA. If you can not verify the accuracy and lawful reporting of this charge-off, it must be deleted from my credit report immediately. 

Thank you for your prompt attention to this matter.

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 2025-09-14 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: CT

Complaint narrative:
My XXXX Bank XXXX XXXX, XXXX Card By XXXX XXXX and XXXX Bank checking account were compromised in a XXXX data breach of my XXXX account. XXXX Card by XXXX XXXX and XXXX Bank XXXX XXXX have billed all of the fraudulent amounts as new charges and reporting the balances as delinquent on all of the credit bureaus. XXXX has blocked me from accessing my own account and continue to update every account number change to this compromised XXXX account. XXXX XXXX by XXXX XXXX started reporting the fraudulent balance as past due from XX/XX/XXXX to present, despite throttling the account from XX/XX/XXXX up until it was closed in XX/XX/XXXX. The balance consists of charges from XXXX that have added back multiple times, despite there not being a balance due from XX/XX/XXXX and on. I made XXXX Bank aware of fraudulent charges that I have disputed starting in XX/XX/XXXX that were initially credited to my account and the reversed and rebilled. I went to the branch to address this practice and the same thing happened. I want to have letters from both companies stating that there never was a balance due, all delinquent marks will be removed from their reporting to all credit bureaus, my balances will all be reduced to zero, and that all collections will cease and desist immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My XXXX Bank XXXX XXXX, XXXX Card By XXXX XXXX and XXXX Bank checking account were compromised in a XXXX data breach of my XXXX account. XXXX Card by XXXX XXXX and XXXX Bank XXXX XXXX have billed all of the fraudulent amounts as new charges and reporting the balances as delinquent on all of the credit bureaus. XXXX has blocked me from accessing my own account and continue to update every account number change to this compromised XXXX account. XXXX XXXX by XXXX XXXX started reporting the fraudulent balance as past due from XX/XX/XXXX to present, despite throttling the account from XX/XX/XXXX up until it was closed in XX/XX/XXXX. The balance consists of charges from XXXX that have added back multiple times, despite there not being a balance due from XX/XX/XXXX and on. I made XXXX Bank aware of fraudulent charges that I have disputed starting in XX/XX/XXXX that were initially credited to my account and the reversed and rebilled. I went to the branch to address this practice and the same thing happened. I want to have letters from both companies stating that there never was a balance due, all delinquent marks will be removed from their reporting to all credit bureaus, my balances will all be reduced to zero, and that all collections will cease and desist 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 2025-09-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am disputing multiple hard inquiries that appear on my Experian and TransUnion credit reports. These same inquiries were previously investigated and removed by XXXX, confirming that they are inaccurate and should not remain on my other reports. Several inquiries are duplicate pulls by the same creditor, such as XXXX XXXX XXXX XXXX, which appears multiple times even though I only submitted one application. Others are the result of auto dealerships shotgun-submitting my credit application to multiple lenders on the same dates. Under the Fair Credit Reporting Act ( FCRA ), these inquiries should not appear as multiple separate entries and are unfairly harming my credit profile. The specific inquiries I am disputing are : Experian : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX / XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XXXX XXXX XXXX ) ( XX/XX/XXXX ), XXXX XXXX / XXXX XXXX  XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX duplicate ( XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ) ; TransUnion : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XXXX XXXX XXXX ) ( XX/XX/XXXX ), XXXX ( XXXX XXXX XXXX ) ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XXXX  ) ( XX/XX/XXXX ), XXXX  XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XXXX  ) ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX XXXX  ( XXXX XXXX XXXX  ) ( XX/XX/XXXX ). Under 15 U.S.C. 1681b, inquiries must have a permissible purpose, and duplicate or excessive shotgun inquiries are not valid separate permissible purposes. Under 15 U.S.C. 1681i, consumer reporting agencies must reinvestigate disputes and delete or correct inaccurate or duplicative information. 15 U.S.C. 1681c requires that only relevant and necessary information be reported, and 15 U.S.C. 1681e ( b ) requires that CRAs maintain reasonable procedures to ensure maximum possible accuracy ; multiple duplicate inquiries for the same credit request do not meet this standard. I am requesting that Experian and TransUnion delete or consolidate all inquiries listed above so my credit reports are accurate, fair, and consistent with the results already applied by 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 2025-09-14 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: OH

Complaint narrative:
* * Complaint Against Experian Inaccurate Reporting & Mixed File * * Experian is reporting inaccurate and harmful information on my credit file : * * * Incorrect Name : * * Experian lists me as * XXXX XXXX XXXX *. This is not my correct legal name. 

* * * Incorrect Addresses : * * They continue to report the following outdated or incorrect addresses : * * XXXX XXXX XXXX XXXX, XXXX, OH XXXX * ( I have moved ) * * XXXX XXXX XXXX, XXXX, OH XXXX * * * XXXX XXXX XXXX, XXXX, OH XXXX XXXX * * * Mixed File Issue ( Fathers Information ) : * * My father, who is now deceased, shares the same name but he is * XXXX * and I am * XXXX * Despite repeated disputes, Experian continues to include his personal information and debts on my credit report. 

* * Impact : * * These errors have caused me repeated credit denials, financial harm, and emotional distress. I have told Experian multiple times about these issues, yet they continue to mix my file with my deceased fathers information.

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 2025-09-14 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: FL

Complaint narrative:
I am a victim of identity theft, and I am disputing the account being reported by XXXX ( Account ending XXXX XXXXXXXX ). This account is listed as opened in XX/XX/XXXX, with a balance of {$10000.00} and a first delinquency reported in XX/XX/XXXX. The account is currently being reported as a charge-off. 
I did not open this account, authorize its use, or consent to any loan with XXXX. This account was fraudulently created and does not belong to me. The reporting of this account is inaccurate and is harming my credit standing. 
I am requesting that this account be fully investigated and permanently deleted from my credit reports in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c and 1681i ). I also request that I not be held responsible for any balance, fees, or collection activity related to this fraudulent account.

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 2025-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
I have paid my loans in full during the pandemic. I keep getting charged as if they are still there. I have the original letters proving my loan to be paid off already. I need my account settled and done. Whenever I call, it goes to a roundabout where my paid in full information is not mentioned. I get told to post it in documents and I have numerous times since under " Upload Documents '' and " Payment Activity. '' They claim to have lost information, so I have uploaded it, but then no response back. I want it handled before the end of the year, which is something I did already in XXXX. I am trying to move forward and Nelnet does not in regards to ending my account with them. I can bring the information in person, but need it acknowledged as soon as possible because it has been years with this problem. I keep getting calls as well but have already paid the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: IN

Complaint narrative:
Ive reached out to Westlake financial to let them know that my XXXX XXXX XXXX is at a XXXX XXXX location and has been there for two months due to service performed on vehicle which caused engine to fail. Ive reached out to let them know that my vehicle has been in XXXX XXXX possession for that two months not been told anything and I have not been compensated in anyway I have a cardinal of {$510.00} that Ive been paying for the past two months and have not been able to drive my vehicle. I reached out to the finance company via chat and email to let them know that. This was happening and that I needed assistance with them to push the issue on my vehicle. I am a direct support professional and I need my vehicle to get back-and-forth to work. I wont be able to pay my note if Im not able to get to work. Ive been using ride shares, etc. for the past two months and its creating a hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently submitted a dispute and complaint with XXXX XXXX they company agreed to remove the account from my report. The account was removed XX/XX/year> and added back XX/XX/year> once cfpb closed out the complaint the company went back and re reported this fraudulent account. 

I am submitting this complaint against XXXX XXXX XXXX for reporting fraudulent information to my credit report. 

On reviewing my credit file, I discovered that XXXX XXXX has reported an account in my name that I did not authorize, open, or have any association with. This account is fraudulent. I have never applied for nor entered into any agreement with XXXX XXXX, and I believe this to be a clear case of identity theft or inaccurate reporting. 

This false account has significantly damaged my credit standing and caused me undue stress and hardship. I have already disputed this account with the credit bureaus, but XXXX XXXX continues to report the information as accurate.

I am requesting the CFPB to : 1. Investigate XXXX XXXX handling of this matter.

2. Require XXXX XXXX to provide evidence of any alleged account under my name, including signed documentation and application records.

3. Direct XXXX XXXX to remove this fraudulent account from my credit report immediately if they can not provide such proof.

4. Ensure that my consumer rights under the Fair Credit Reporting Act ( FCRA ) are protected.

Please find attached supporting documents, including :

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 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
My utility payment and cell phone payment were returned and I had funds

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