vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: HI

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-23 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: LA

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-07-23 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$2400.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$740.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
I am submitting this complaint because all three major credit reporting agenciesXXXX Equifax, and XXXX inaccurately reporting a charge-off account for XXXX with account number ending in XXXX, dated XX/XX/year> and showing a {$0.00} balance. Despite being marked with a zero-dollar balanceclearly indicating that the debt has been paid, resolved, or otherwise satisfiedthe account is still being reported as a charge-off. This is both misleading and harmful, as it creates the false impression that I defaulted on a financial obligation when, in reality, the account shows no amount owed. 

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Reporting a charge-off with a {$0.00} balance directly violates this provision because it fails to reflect the full truth of the accounts current status. A charge-off, by definition, implies the creditor has written off a delinquent, unpaid debt. If the account has since been resolved and now carries a XXXX balance, the charge-off status should no longer remain or must at least be properly annotated to reflect its paid nature. 

Additionally, under 15 U.S.C. 1681i ( a ), I submitted disputes to both XXXX, Equifax, and XXXX  requesting a reinvestigation of this inaccurate information. However, their responses were cursory at best, and the information remains on my credit report without any substantial verification or clarification. The bureaus failed to provide supporting documentation from the furnisher or conduct a meaningful reinvestigation as required by law. This is not just an oversightit is a direct violation of their legal duties and a failure to uphold the standards set forth by the FCRA. 

This inaccuracy has caused me significant harm. I have been denied access to fair credit terms and have had lenders and underwriters question my reliability due to this unjust charge-off entry. My credit score has been artificially suppressed, affecting my ability to refinance my mortgage and qualify for low-interest financial products. Beyond the financial consequences, the emotional toll has been heavyIve experienced anxiety, embarrassment, and unnecessary stress over an account that has a zero-dollar balance yet continues to penalize me as if I defaulted. Ive played by the rules and resolved the account in question, yet the bureaus continue to publish misleading information as though I am still a delinquent borrower.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS PRESENCE ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND HAS CAUSED SIGNIFICANT EMOTIONAL DISTRESS. UNDER 15 U.S. CODE 1681e ( b ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ), CONSUMER REPORTING AGENCIES ARE REQUIRED TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION THEY REPORT. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS VIOLATION. PLEASE REFER TO THE ATTACHED DOCUMENTATION FOR SUPPORTING EVIDENCE.

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 2025-07-23 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: GA

Complaint narrative:
I am submitting this complaint regarding an inaccurately reported late payment on the account XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX, which currently appears on both my TransUnion and XXXX  credit reports. This account has long been paid in full, closed, and reflects a XXXX balance and XXXX  past due amount, yet is still being tagged with derogatory late payment history. 

Reporting a late payment on an account that is now fully paid, settled, and closedwith no outstanding or delinquent amountis misleading and violates my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, 15 U.S.C. 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. Retaining negative late payment marks on an account that has no delinquent balance and is closed misrepresents my actual credit standing and financial behavior. Additionally, 15 U.S.C. 1681i ( a ) guarantees my right to dispute incomplete or inaccurate information and obligates the credit bureau to conduct a lawful and meaningful reinvestigation. In this case, the continued derogatory status of this account even after resolution indicates a complete failure of that responsibility.

This inaccuracy has had serious real-world consequences. I was denied refinancing on an auto loan due to the presence of this late payment, despite the fact that the account has no past due balance and is paid and closed. My creditworthiness is being unfairly penalized for an account that is no longer a financial obligation. The emotional toll of being denied credit over an error Ive already tried to address is exhausting. It creates frustration, damages my credibility, and has left me feeling powerless in a system that is supposed to protect consumersnot trap them with outdated or misleading 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 non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern, This letter serves as a brief cover note in reference to my previously filed CFPB complaint, Case No. XXXX. 
Since XXXX of last year, I have been actively working to correct and rectify fraudulent and inaccurate information that has appeared on my credit reports. XXXX was the first time I became aware that I could submit disputes and supporting documentation directly through the CFPB, and I have done so in good faith. 
As outlined in that complaint, I have provided all required documentation, including : A copy of my government-issued identification An FTC Identity Theft Report Proof of address A detailed dispute history with supporting records Despite these efforts, the credit bureau XXXX XXXX has continued to refuse to correct or permanently remove the inaccurate and fraudulent accounts. This lack of action is not only negligent it appears to be a blatant disregard of federal obligations under the Fair Credit Reporting Act. 
I respectfully urge the CFPB to escalate this matter internally and apply appropriate pressure to enforce compliance. I am preparing for formal legal action, but I trust that this agency will acknowledge the pattern of noncompliance and take further steps to protect consumers like myself. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX 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 2025-07-23 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: AZ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} INQUIRIES : XXXXXXXX XXXX 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/XXXX XXXX XXXX XXXX Date : XX/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 2025-07-23 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: CA

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX XXXX XXXX XXXX Please correct and update the late payments on my credit report. 
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 non-monetary relief
Consumer complaint received 2025-07-23 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:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX XXXX XXXX XXXX Please correct and update the late payments on my credit report. 
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 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 2025-07-23 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: IL

Complaint narrative:
Hey this XXXX XXXX and I wanted to inquire about updating my information in your the system if you could do this at your convenience thatll be appreciated

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hey this XXXX XXXX and I wanted to inquire about updating my information in your the system if you could do this at your convenience thatll be appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this formal request for the immediate blocking of a fraudulent account that appears on my Equifax credit file. This request is made under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block any information resulting from identity theft upon receipt of proper documentation.

The following account was fraudulently opened in my name without my knowledge or authorization : XXXX XXXX XXXX Opened on XX/XX/year> In accordance with FCRA 605B, I am providing the following documentation to support my request : A valid Police Report documenting the identity theft A copy of my government-issued photo ID and Social Security Number Proof of my current residential address These documents confirm my identity and the legitimacy of this dispute. No further verification should be necessary.

Please note that I am not working with any third-party organization or credit repair service . I am submitting this dispute and all supporting materials directly, as the consumer affected.

This is a valid case of identity theft, and I fully understand the purpose and legal basis of this request. I am asserting my rights under FCRA 605B and respectfully request that Equifax permanently block the fraudulent account listed above from my credit file in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
In XXXX of XXXX, I traded a XXXX XXXX XXXX XXXX at XXXX XXXX in XXXX. XXXX months later they closed down and relocated. I started getting phone calls at least XXXX a day from XXXX XXXX about my loan being late. I explained to them I traded the car in at Auto Smart in XXXX on XXXX truck. I called XXXX XXXX and I was told that the car had been sold. XXXX XXXX still continued to call. I gave them the salesman number the owners number. XXXX XXXX in XXXX closed down and moved to XXXX NJ with no notice. After reopening in XXXX, I was told that the business belonged to someone else. However in XXXX of this year XXXX XXXX interviewed a single mother ( XXXX XXXX ) that was taken advantage of by the dealership, where the dealership did not pay the financial institution for her trade and now she has XXXX worth of car loans on her credit. XXXX XXXX has been shut down by the prosecutor 's office in XXXX XXXX and now they are permanently closed and under investigation. The XXXX truck deal was not properly done either and I turned the vehicle in after my father in XXXX died in XX/XX/XXXX. 
I am left with {$63000.00} for XXXX cars on my credit report from a crocked deal at a crooked dealership.

Company response to consumer: Closed with explanation