vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: NC

Complaint narrative:
Repeated attempts have been made to update old, outdated or incorrect information. The XXXX account on the Equifax is reporting last activity date of XX/XX/year> This XXXX account has fraudulently reported that a loan amount in the amount of {$1000.00} was paid off and dispersed to borrower. An investigation was requested by Equifax to request documents and transcripts from XXXX showing a request and final payments made against the loan of {$1000.00} on behalf of alleged borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
The item in question does not align with my actual financial behavior. Please update the file after proper evaluation.

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 2025-11-27 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: FL

Complaint narrative:
I respectfully request the deletion of these incorrect personal information from my credit report, as its not up to date anymore. It is crucial that you promptly remove this incorrect personal information from my records.

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 2025-11-27 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: FL

Complaint narrative:
I respectfully request the deletion of these incorrect personal information from my credit report, as its not up to date anymore. It is crucial that you promptly remove this incorrect personal information from my records.

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 2025-11-27 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: CO

Complaint narrative:
I am writing to file a dispute regarding the following accounts that are inaccurately reported on my credit report. Below are the details separated by bureau : Charged Off Accounts XXXX XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, Date : XX/XX/XXXX Positive Accounts : [ No Positive Accounts Listed ] Late Payments : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported.

Account in Question : Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/year>

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: FL

Complaint narrative:
I am requesting your consideration for a goodwill adjustment because the reported late payment resulted from an isolated and unintentional circumstance. This situation caused significant stress and was not reflective of my normal payment behavior. I have maintained a positive payment history overall, and I have taken steps to ensure that this will not happen again. I respectfully ask for your assistance in updating the reporting as a gesture of goodwill, as the negative mark is disproportionately impacting my credit standing.

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 2025-11-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
XXXX  is reporting an auto loan/auto account from Wilshire Consumer Credit XXXX Account XXXX. XXXX ) that does not belong to me. I have never applied for, opened, or authorized any account with Wilshire Consumer Credit. This appears to be a case of mixed file or identity error. 

I disputed this account with XXXX  on XX/XX/year>, and instead of conducting a reasonable reinvestigation, they simply updated the item as accurate. I have not received any documentation, validation, contract, application, or method of verification from XXXX  or the furnisher. 

This information is inaccurate, unverified, and incomplete, violating the Fair Credit Reporting Act ( FCRA ). 

FCRA Violations by XXXX  : 1681e ( b ) : Failure to maintain reasonable procedures to assure maximum possible accuracy 1681i ( a ) : Failure to conduct a reasonable reinvestigation 1681i ( a ) ( 3 ) : Failure to delete information that can not be verified 1681i ( a ) ( 6 ) ( B ) : Failure to provide the method of verification when the item was verified I have never had an account with Wilshire Consumer Credit. 
The furnisher can not produce any contract, application, signature, identification, or transaction tying me to this auto loan. 
XXXX  has marked the account as accurate without providing proof or documentation. 
This inaccurate account is causing ongoing harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NC

Complaint narrative:
I am submitting this complaint because several items on my credit reports with Experian, XXXX XXXX XXXX are inaccurate, inconsistent between bureaus, or unverifiable. I have attempted to dispute these items directly with the credit bureaus, but they have not been corrected. I am requesting the CFPBs assistance in ensuring these accounts, inquiries, and late payments are properly investigated. 
Charged-Off / Negative Accounts I am disputing the accuracy of the following accounts. Many of them show conflicting balances, dates, or information that does not match the other bureaus : XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$84.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$650.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$0.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Balance : {$1300.00} XXXX  Acct # XXXX Opened XX/XX/XXXX Balance : {$12000.00} XXXX  Acct # XXXX Opened XX/XX/XXXX Balance : {$180.00} I am requesting verification and correction or removal if the information can not be validated. 

Inquiries I Do Not Recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries and request verification of permissible purpose. 

Late Payments I dispute the late payment reporting for these accounts : XXXX Acct # XXXX Multiple XXXX/DOFED student loan accounts ( all listed in my file with the following account numbers ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These show inconsistent or incorrect late payment histories.

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 2025-11-27 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: GA

Complaint narrative:
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! 


XXXX XXXX - XXXX INQUIRIES : XXXX XXXX XXXX - XX/XX/year>

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: WA

Complaint narrative:
My cash app account was closed due to false accusations by cash app that I broke some kind of rules. I found this out Tuesday XX/XX/year> I tried to use my card and didnt work and I got onto my account and saw it was closed. I get my workers comp benefits on this account. Ive called them messaged them and sent two appeals in to them. On XX/XX/year> or about i was notified that my information was stolen from some website and that there was some activity on my account that wasn't me. I had my debit card so I did a dispute and two days or so later my account gets closed with a balance that im not able to get and pay my bills. Ive accused over {$450.00} in late fees and I had to borrow money from friends and family because cash app sent my deposits back and it's gon na take weeks to get.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NC

Complaint narrative:
I am submitting this dispute regarding inaccurate or unverifiable information on my credit report. Below are the details of the disputed accounts, inquiries, and late payments separated by each credit bureau ( Equifax, Experian, and TransUnion ). I am requesting that these discrepancies be investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Inquiries : XXXX Date Opened : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX  Date Opened : XX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: GA

Complaint narrative:
A previously deleted collection account from XXXX XXXX XXXX was reinserted on my credit report without proper notice. 

This account had been removed after a prior dispute, but it reappeared on my credit report on or around XX/XX/year>, with no written notification from the credit bureaus within 5 business days, as required under FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion of Information. 

Because proper notice was not provided, the reinsertion is improper and the information should be deleted immediately. 

I am requesting that the credit bureau ( s ) and XXXX XXXX XXXX : 1. Provide the source of the reinsertion, 2. Provide certification of the information, and XXXX. Delete the account again due to failure to follow FCRA reinsertion procedures. 

I have previously disputed this account, and it was removed. I did not receive any notice that the bureaus intended to reinsert it, which is a violation of the Fair Credit Reporting Act. 

I am requesting full deletion of this account and written confirmation once completed. 

I am requesting a full investigation and removal of this account due to failure to follow FCRA reinsertion rules. If the furnisher can not provide written certification for the reinsertion, the account must be permanently deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-11-27 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: VA

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

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 2025-11-27 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: MO

Complaint narrative:
Dear Sir/Madam, I am a consumer attempting to rectify my credit report and have identified several discrepancies that I request to be investigated and corrected. Below are the details of the accounts in dispute : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$930.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} Late Payments XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Good morning, I'm writing this gripe again. There are still accounts on my credit report that shouldn't be there even though I sent your company a dispute last month and made it clear which accounts were falsified. I'm stressed out and having XXXX XXXX XXXX because your company isn't doing its job.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Good morning, I'm writing this gripe again. There are still accounts on my credit report that shouldn't be there even though I sent your company a dispute last month and made it clear which accounts were falsified. I'm stressed out and having XXXX XXXX XXXX because your company isn't doing its job.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting a complaint regarding all three major credit reporting agencies : TransUnion, Equifax, and Experian.

I have submitted disputes to each bureau concerning inaccurate information on my credit reports. Despite providing documentation and following the proper dispute process, my investigations were not completed properly and I have not received final results within the legally required time frame.

Specifically, TransUnion sent a letter stating that my dispute would be completed on or before XX/XX/year>, but I have not received any update, results, or explanation. Equifax and Experian have also failed to provide timely responses or adequate resolutions to the disputes I submitted. When attempting to follow up, I received no clear status, no investigation results, and no confirmation that my dispute materials were reviewed. 

These delays and lack of communication are impacting my credit, finances, and ability to apply for housing and services. I am requesting CFPB assistance to ensure that : XXXX. All three bureaus properly review my dispute documentation, XXXX. They respond within the required timeframe, XXXX. They remove or correct any information that can not be verified as accurate, XXXX. They provide me with clear written results of the investigations. 

Thank you for reviewing my complaint.

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