vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX ( FCRA-Based ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XXXX Date XX/XX/XXXX Via Certified Mail ( Recommended ) Credit Bureau Name Credit Bureau XXXX XXXX - RE : Formal Dispute of Unauthorized / Inaccurate Credit Inquiries FCRA 604, 611, 623 To Whom It May Concern, I am writing to formally dispute multiple credit inquiries that appear on my consumer credit report with your agency. These inquiries are inaccurate, unauthorized, or not verifiable, and therefore must be investigated and removed pursuant to the Fair Credit Reporting Act ( FCRA ). 

Disputed Inquiries : ( Please investigate and remove the following ) Company Name : TransUnion Date of Inquiry : XX/XX/XXXX Company Name : Experian Date of Inquiry : XX/XX/XXXX Company Name : EQUIFAX Date of Inquiry : XX/XX/XXXX -- - Legal Basis for Dispute XXXX. FCRA 604 ( 15 U.S.C. 1681b ) A consumer reporting agency may only report inquiries made with permissible purpose. I do not recall granting authorization or conducting business with the above-listed entities.

XXXX. FCRA 611 ( 15 U.S.C. 1681i ) You are required to conduct a reasonable reinvestigation of any disputed information and delete or correct information that can not be verified.

XXXX. FCRA 623 ( a ) ( 1 ) ( A ) Furnishers may not report information they knowor should knowis inaccurate. 


XXXX. Relevant Case XXXX XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Credit bureaus must do more than simply rely on the furnishers verification. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Failure to conduct a reasonable investigation is a violation of the FCRA. 





-- - Demand for Action Please provide written proof that each disputed inquiry was made with a valid permissible purpose, including : A signed consumer authorization, or A contract or application bearing my signature If you are unable to provide such documentation, the inquiry must be deleted immediately. 

If this matter is not resolved within the XXXX statutory period, I will consider all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ), State Attorney General, and pursuing civil action under FCRA 616617 . 


-- - Enclosures : Copy of government-issued ID Proof of address ( utility bill or bank statement ) Copy of credit report with disputed inquiries circled Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX Equifax Equifax XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX Experian Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA 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 2025-12-16 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: NY

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute 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 2025-12-16 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: MI

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 2025-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: KS

Complaint narrative:
XX/XX/year> I was contacted by the lender about a missed payment when I made constant payments and even partial payments between checks. All right I also asked the employee that contacted me if there was a way to move the supposed missed payment to the end of the loan cycle. And confirm that he was moving it to the end of the cycle adding on another month I was originally fine with it I had also requested a date a debt validation form or letter haven't received it it's been over XXXX months since I requested it. I have also found out that the company is not fdcpa or FDIC approve. I have gotten numerous calls and emails regarding the account claiming that it is XXXX  amount/days past due I have made payments continuously even if they're just small payments they have threatened repossession but they will not send me the debt validation letter as I requested. They've also threatened to send it to a debt collector. I've told them I do not consent to any information of mine or regarding my vehicle to be given out to anyone, unless it is my wife. Everytime I answer a phone call they escalate the situation and get hostile while I am trying to calmly explain to them my situation along side requesting forms. They always either get very hostile towards my wife and I or they just flat out hang up. 

I have XXXXXXXX XXXX my vehicle and they financed $ XXXX over the XXXX XXXX value, which is less than {$16000.00}. I have gone to a few different dealerships to trade in the vehicle and nobody will take it due to over $ XXXX in " negative equity '' due to the company putting my payoff amount {$22000.00} when it was at $ XXXX. 
The original dealership I financed it at has closed its doors permanently and the building location now has a different dealership name and the salesman that sold it to me has not responded to any calls or messages. Honestly I was scammed by both the lender and dealership on the vehicle payment and financed amount. I have already planned to make over a $ XXXX payment on the vehicle so when I trade in the vehicle during tax season I have less rolling over to the new vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
The first notice of the debt I supposedly owed came from a collection notice from Harris & Harris , Ltd . I immediately contacted who I supposedly owed the money, and they contacted H & H to say I didnt owe it. H & H continued to call and text me about the debt, even after I returned their form saying it was not my debt. They never sent proof of the debt, just continued to call and text. I called today and said they had been contacted by the company I supposedly owed who said I should not be contacted any more. H & H said they wouldnt contact me, but when I requested a letter to say the matter was cleared up, they refused, saying they couldnt send a letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

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 2025-12-16 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: NH

Complaint narrative:
I am disputing this verified account pursuant to the Fair Credit Reporting Act ( FCRA ), and I request that this inaccurate and unauthorized account be blocked or removed immediately. 
I have attached my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX as evidence. Under the FCRA, specifically 15 U.S.C. 1681i, 1681c-2, and 1681s-2 ( a ) ( 7 ), credit reporting agencies must block or remove inaccurate and unauthorized information within four ( 4 ) business days of receiving an identity theft report. Despite my prior complaint and attempts to resolve this, the following inaccurate and unauthorized account was verified on my credit report : Account Name : XXXX - XXXX This verification is causing significant harm to my credit and financial opportunities. I have requested verification and contract copies from the reporting company, but after 60 days, received no response. This account was previously removed by other agencies due to lack of verification. This simple verification is illegal, as no evidence or written certification of my authorization for this account has been obtained. 
According to the Fair Credit Reporting Act ( FCRA ), the reinsertion or verification of previously deleted information requires written certification from the data furnisher confirming accuracy, and the consumer must be notified. This was not done in my case, violating federal law. 
I urge the CFPB to ensure EQUIFAX complies with the law by blocking this inaccurate and unauthorized account immediately and confirming the action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NV

Complaint narrative:
I am filing this complaint due to identity theft and the continued reporting of fraudulent accounts on my consumer credit reports. I did not open apply for or authorize the XXXX XXXX  account number XXXX or the collection account being reported by XXXX XXXX XXXX under account number XXXX. I have no contractual relationship with these accounts and never received goods services billing statements or lawful notice related to them. I only became aware of these accounts after reviewing my credit reports. I believe my personal information was compromised as a result of multiple data breaches in recent years which exposed sensitive identifying information without my consent. These accounts are not the result of my financial activity and are the direct product of identity theft. Under FCRA Section 605B and 605C and FACTA identity theft related information must be blocked and removed once reported. Despite disputes these items continue to be reported causing financial harm credit denial stress and interference with lending and housing opportunities. I am requesting an immediate investigation and permanent removal of all fraudulent information related to these accounts.

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 2025-12-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Five Lakes Law Group PLLC
State: KS

Complaint narrative:
I hired Five Lakes Law Group to do a debt settlement on XXXX XXXX and XXXX XXXX XXXX. XXXX  informed me that they would settle both cc within 3 years and if I paid {$520.00} every month for 3 years. I started with XXXX in XX/XX/year>. Both credit card companies have settled. But XXXX wants me to KEEP paying $ XXXXmonth until XXXXThats 16 month LONGER than we agreed. AND {$8300.00} ( {$520.00} x 16 = {$8300.00} ) More is what they are trying to get me to pay. I am sorry that XXXX must have a terrible negotiating team. But I won't have joined with XXXX if it was longer than 3 years to pay if off. I don't like the negotiated contract to pay XXXX off. They waited to talk with XXXX until I kept making payments so they had money reserved, which is fine, but when it comes to paying XXXX, XXXX should have forwarded ALL the money I already have in the reserve. Instead they forward XXXX $ XXXX month to prolong the 3 years. Seriously, XXXX is supposed to be working on my best interest. If they agreed to 3 years, that's the time frame I should be held to. I have called XXXX but the customer reps are polite but they don't make the decisions. I can't afford to keep paying {$520.00} for an EXTRA 16 months!!! I didn't agree to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am a victim of identity theft. I did not authorize or sigh anything pronating to this account. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has violated the FCRA by failing to properly investigate the unauthorized inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/scrub>XXXX XXXX  and by re-inserting a removed XXXX late payment from XXXX. This reinsertion is unlawful because the prior month shows an on-time payment, making the XXXX delinquency factually impossible and an 1681e ( b ) accuracy violation. Equifax also exceeded the 30-day investigation deadline under 1681i ( a ) ( 1 ) ( A ) and failed to provide the method of verification and full investigation report required by 1681i ( a ) ( 6 ) ( B ) ( iii ), as well as the underlying data, names, dates, and sources required under 1681a ( r ) ( 5 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-16 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and fraudulent accounts reported on my consumer report that do not belong to me. These accounts are negatively impacting my ability to obtain credit, secure financial services, and conduct normal borrowing activities. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy of all information they report. Additionally, under 15 U.S.C. 1681i, I have the right to a reasonable reinvestigation of any disputed information, and under 15 U.S.C. 1681s-2, furnishers are prohibited from reporting information they knowor should knowis inaccurate. Furthermore, under 15 U.S.C. 1681c-2, I am requesting the blocking and removal of these fraudulent accounts due to identity theft and unauthorized use of my personal information. I am requesting immediate deletion of all inaccurate and unauthorized information and confirmation of compliance. These errors have caused substantial harm to my financial reputation and have hindered my access to credit and essential financial resources.

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