vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts 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

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 2025-07-19 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts 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

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 2025-07-19 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: VA

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: VA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. 

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: AK

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: KS

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: NV

Complaint narrative:
ssue Summary : I am filing this formal complaint against all three credit reporting agenciesExperian, Equifax, and TransUnionfor continued failure to investigate and correct multiple inaccurate, unverifiable, and duplicative derogatory tradelines on my credit reports. These actions are in direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and CFPB compliance guidelines.

Detailed Description of the Problem : Despite submitting disputes and requests for verification under FCRA 609 and 623, the credit bureaus have continued reporting multiple derogatory accounts without proper investigation, verification, or documentation. 
XXXX. XXXX XXXX XXXX Three collection accounts totaling over {$7000.00} No signed contract or original creditor documentation has been provided XXXX XXXX is reporting the same debts as charge-offs, resulting in duplicative and misleading reporting Possible re-aging and failure to provide breakdown of original balance vs fees/interest XXXX. XXXX XXXX XXXX Three collection accounts with missing or conflicting details Two stem from XXXXXXXX XXXX XXXX XXXX XXXX XXXX Payment history incomplete or missing No itemization of debt or proof of ownership XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX No documentation provided to prove debt ownership Data fields including Date of First Delinquency ( DOFD ) are missing Payment histories are inconsistent or unavailable No evidence of Metro 2 compliance 4. Charge-Offs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charged-off status continues to update with recent status dates, despite last activity being over 2 years ago XXXX, XXXX, and XXXX accounts appear to be re-aged in violation of FCRA 623 ( a ) ( 5 ) Multiple charge-offs are also reflected in active collection tradelines, creating duplicative derogatory reporting 5. Cross-Bureau Inconsistencies Equifax reports many of these accounts as closed, while Experian and TransUnion report them as active collections Inconsistent status reporting violates FCRA 1681e ( b ), which requires data furnishers to maintain maximum possible accuracy These differences materially affect my credit score and creditworthiness Violations Identified : FCRA 609 ( a ) ( 1 ) : Failure to provide access to all documentation relied upon to report account FCRA 623 ( a ) ( 1 ) : Reporting inaccurate and duplicative tradelines FCRA 623 ( b ) : Failure to conduct a lawful reinvestigation upon dispute FCRA 623 ( a ) ( 5 ) : Re-aging debts by updating status months or failing to report correct DOFD FCRA 1681e ( b ) : Failure to ensure accuracy of data across credit bureaus FDCPA 809 ( b ) : Debt buyers and collectors have not provided proper validation upon request

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
ncorrect reporting, unresolved disputes, closed account showing new late payments. I am writing to dispute collection accounts currently reported on my credit file. The following entries are inaccurate or require further investigation : XXXX XXXX XXXX Reported to collections, Inquiry Date : XX/XX/XXXX Credence Resource Management Reported to collections, Inquiry Date : XX/XX/XXXX XXXX XXXX  Reported to collections, Inquiry Date : XX/XX/XXXX I do not have any knowledge of accounts associated with these collection agencies or any outstanding debt that would justify these entries. To my knowledge, I have not received any prior communication from these companies validating the debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). These collection accounts are negatively impacting my credit and may have been reported in error or without proper verification. I respectfully request that : Each account be fully investigated ; The original debt be validated and verified in writing ; Any unverified or inaccurate information be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: AZ

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX and Westlake Financial Services. I was promised that I could use the XXXX XXXX XXXX as a down payment and that no money down was needed. Once I arrived at the dealership, I was told the vehicle didn't qualify and I had to sign a waiver and pay {$500.00} upfront to qualify for the loan. These terms were not disclosed accurately or in writing beforehand. The vehicle has issues ( dents and steering damage ), and the dealer has not responded to promised repairs. My temporary tag expired and I received the permanent tag only on the expiration day. I attempted to purchase under my LLC but was told I couldnt without alternative options. No payment has been made, and I am disputing the loan in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-19 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: Fleet Financial, Inc.
State: WI

Complaint narrative:
On XX/XX/year>, I applied with iLending for auto loan refinancing and gave permission for only one hard inquiry. However, three hard inquiries were made to different lenders without my consent.

I noticed two unauthorized inquiries on XX/XX/year>, in addition to the one I approved on XX/XX/XXXX. These extra inquiries were never discussed or authorized by me.

I contacted iLending and they admitted it was a mistake, but the inquiries are still showing on my credit report and have lowered my score.

I am requesting that the two unauthorized hard inquiries be immediately removed from my credit file.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: AZ

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX. 

I am writing to formally express my deep dissatisfaction with the service I have received from USAA, a company with which I have conducted business for 17 years. Over the years, I have placed my trust in USAA, believing it to be a reliable and customer-focused institution. However, recent experiences have left me feeling betrayed and disillusioned.

My frustration stems from the denial of my recent insurance claim, which was rejected due to alleged " poor ventilation '' in my home. This reasoning is not only baffling but also deeply unfair. My house was built in XXXX, and no modifications have been made to it since then. It is unreasonable to expect homeowners to anticipate every potential issue, especially when the primary purpose of insurance is to provide protection in unforeseen circumstances.

Moreover, the implication that adding a new roofa significant and costly investmentwould have prevented the need to file a claim is absurd. Insurance should serve as a safety net, not a loophole for companies to avoid fulfilling their obligations. This experience has led me to question whether insurance is, in some cases, nothing more than a scam when companies fail to honor their
commitments to loyal customers.

Beyond the claim denial, I have been deeply disappointed by the lack of empathy and poor customer service I have encountered. As a long-standing member, I expected better treatment and a more transparent, supportive process. Instead, I have been met with dismissiveness and a lack of accountability.

I urge USAA to reconsider the decision on my claim and to address the systemic issues that have eroded my confidence in your company. I also request a detailed explanation for the denial, including any specific policy language that justifies this outcome.

At this point, I am left questioning whether I can continue my relationship with USAA. I hope you will take this complaint seriously and take immediate steps to rectify the situation.

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 2025-07-19 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 have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXX, XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX acct # XXXX, XXXX  acct # XXXX, XXXX  acct # XXXX, XXXX  acct # XXXX, XXXX  acct # XXXX, XXXX XXXX XXXX  acct # XXXX XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX  XXXX acct # XXXX, XXXX/XXXX  XXXX acct XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX  XXXX XXXXDISCHARGED ref # 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