vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 2025-07-03 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX INQUIRIES XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I hired a lawyer to get the amount owed corrected the correct amount but the original creditor in this case was sent a letter with 30 days to respond to get it the correct amount and they failed to ever respond.

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 2025-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Tesla, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Tesla for deceptive and unfair financial practices during a vehicle purchase. Tesla delivered a XXXX XXXX XXXX  to me without verifying my license status ( which was suspended at the time ) and accepted a misapplied wire payment from a different customer, which was incorrectly credited to my account. 

Tesla allowed delivery without confirming the payment source or verifying eligibility. Days after delivery, they reversed the payment and claimed I owed {$49000.00}. I had no control or knowledge of the misapplied funds. Now, Tesla has remotely disabled my vehicle, which I continue to insure, while demanding full sticker price or surrender. 

Despite my attempts to resolve this, Tesla refuses to offer financing terms I was previously approved for before delivery, will not provide a fair settlement, and has made threats of repossession. I am now left with an undriveable, insured vehicle and no clear option to resolve the matter fairly.

I request that Tesla be held accountable for : Delivering a vehicle without proper financial verification Misapplying and reversing a payment not connected to me Disabling a vehicle while I am paying insurance and requesting financing Refusing to negotiate a fair financial resolution after their admitted error

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
AchievePL reported on XX/XX/XXXX that I owe XXXX with XXXX XXXX XXXX XXXX. The account is reflecting as closed. the status is showing as a charge-off. and in the remarks it is showing as profit and loss write off. It was closed in XX/XX/XXXX. The company advised me that they would send me a 1099 and forgive the debt due to a financial hardship but I still have not received the letter and this account is still reflecting on my credit file. I am requesting again that Achieve PL to send me a 1099 and forgive the debt due to COVID causing a financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
My car was purchased through American Financial. The company went bankrupt and a debt collection company named WestLake Portfolio Management took over my car. They have charged additional fees on my account for payment. They have repossessed my vehicle and caused damage to the radiator that was replaced. There were warranties on the vehicle that allowed me to get mechanical issues fixed and was considered null and void once they went bankrupt without my knowledge. The company told me I needed to pay the past due amount on my car and never advised me that they would tack another {$500.00} repossession fee on my balance due. I finally paid the vehicle off including repossession fees as they would not negotiate the payment or allow me to speak with a superior to see if the charges could be waived seeing that I was paying the car completely off. Not only am I being met with push back from the rude and disrespectful customer service reps but Im now being lied to about the status of my car and who actually holds the title to my vehicle. When I made payment the rep told me that the title would be received within XXXX weeks. A day later I check the app to confirm my payment has been applied and they have my car in a XXXX  day past due status and saying I still owe {$70.00} towards the vehicle. I reached back out to the company today XX/XX/year> and Im now being told it will take up to 60 days to receive a lien release title. I feel that I should have had to pay anything to them whatsoever due to the fact that I never signed a contract with this company and my car was wrongfully stolen ( repossessed ) by a company who doesnt have their name on my title. I really want all the money the I paid into this car back as it doesnt even run any longer and I still made payments in full to obtain the title. None of the warranties and guarantees that were offered to me at the time of purchase is being honored and I dont feel that is fair or legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: MI

Complaint narrative:
The specific issues are as follows : 1. Inaccurate Charges : My account was incorrectly charged for " excessive wear and tear. '' These charges were subsequently paid directly by the dealership, with the payment being backdated to a date prior to my lease termination. This demonstrates the initial inaccuracy of the charge.

2. Fraudulent Mileage Charges : I was charged for exceeding the mileage allowance based on a forged contract submitted by the dealership. I possess, and have previously mailed to XXXX XXXX, the original, valid contract I signed, which clearly states a XXXX allowance. The contract XXXX XXXX has on file, which was used to justify these overage charges, contains a forged signature. 
3. Unlawful Credit Reporting : While I was actively and formally disputing these demonstrably inaccurate charges and providing all necessary documentation, XXXX XXXX reported 60, 90, and 120-day delinquencies to various credit bureaus. It is my understanding that reporting a delinquency on an amount that is under active, legitimate dispute is legally impermissible. The amount reported was also incorrect, further compounding the issue. 
As a direct result of these actions, my credit has been severely impacted, creating undue hardship. While the outstanding balance has since been corrected from nearly {$600.00} to a current amount of {$310.00}, the damage from the negative credit reporting remains.

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 2025-07-03 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2025-07-03 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: MD

Complaint narrative:
It has come to my attention my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am not familiar with. I have asked the CRA 's for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. 

Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data break, and a validation of debt letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: TN

Complaint narrative:
I have submitted several dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain unresolved. Attached are copies of the correspondence previously sent to each bureau. For your review, I have also included a table summarizing the discrepancies across all three reports. I kindly request your assistance in addressing and correcting these issues as soon as possible.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A credit card account was opened in my name with XXXXXXXX XXXX  without my knowledge or authorization. I did not apply for this account and was unaware of its existence until I saw it appear on my credit report. I never used or benefited from this account in any way. Despite not opening it, the account was charged off and is now negatively impacting my credit profile. I am now facing a collections account and have received legal action that I was unaware of until recently. This is identity theft.

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 2025-07-03 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: FL

Complaint narrative:
A credit card account was opened in my name with XXXXXXXX XXXX  without my knowledge or authorization. I did not apply for this account and was unaware of its existence until I saw it appear on my credit report. I never used or benefited from this account in any way. Despite not opening it, the account was charged off and is now negatively impacting my credit profile. I am now facing a collections account and have received legal action that I was unaware of until recently. This is identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
My mortgage company is charging us forced placed insurance because our policy was cancelled. We did not find out about this matter until XX/XX/year>. I immediately secured insurance and requested an investigation by New Rez and XXXX my broker. There was some type of miscommunication between my lender and the insurance company ( XXXX ). A fee was initially paid by New Rez but it was the wrong amount and XXXX requested a updated payment. Apparently that communication didnt transpire in time and the policy was cancelled. I've enclosed the emails from my broker regarding what they concluded. I did not receive any notification from New Rez regarding this matter until 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 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX INQUIRIES : XXXXXXXX XXXX Date : 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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally request the removal of a 30-day late payment notation recently reported on my credit file for my XXXX XXXX XXXX XXXX. I want to express my sincere commitment to maintaining a positive payment history and would like to provide clarity around this recent issue. 

On XX/XX/XXXX, I made a payment of {$980.00} toward my account. Additionally, an extra payment of {$540.00} was processed the next day on XX/XX/XXXX. On that same day, I spoke with a XXXX XXXX XXXX representative named XXXX, who assured me that the payment would be accepted as on time and would not result in a 30-day late mark on my credit report. 

As a responsible customer, I acted promptly to resolve any potential delay and made both payments in full within a days span. I respectfully request that this late mark be removed as a goodwill adjustment, given the circumstances and the assurance I received from your representative.

A 30-day late mark can have a significant impact on my creditworthiness, and I am doing everything I can to ensure that my account remains in good standing. I value our relationship and have always worked to meet my financial obligations. 

Please consider this request for a one-time courtesy removal. I would greatly appreciate your understanding and prompt resolution. 

Thank you for your time and attention.

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 2025-07-04 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:
DEPTEDXXXX XXXX XXXX XXXXXX/XX/XXXX {$7100.00} DEPTEDXXXX XXXX XXXX XXXXXX/XX/XXXX {$3700.00} DEPTEDXXXX XXXX XXXX XXXXXX/XX/XXXX {$3200.00} DEPTEDXXXX XXXX XXXX XXXX  {$1900.00} DEPTEDXXXX XXXX XXXXXX/XX/XXXX {$2800.00} DEPTEDXXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} DEPTEDXXXX XXXX XXXX XXXXXX/XX/XXXX {$1000.00} DEPTEDXXXX XXXX XXXX XXXX  {$100.00} I have been in deferred/forbearance since XX/XX/XXXX I've provided XXXX, Transunion, and XXXX  the documentation showing proof from XXXX the dates of the forbearance and the date when my first payment is due they are refusing to remove the late payments from my credit file with all the proper documentations this is affecting me buying an house I have provided the identity theft reports and still no luck i will be proceeding with an lawsuit if this is issue isn't fixed immediately its going on 40 days

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 2025-07-04 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:
DEPTEDXXXX XXXX XXXX XXXX  {$7100.00} DEPTEDXXXX XXXX XXXXXX/XX/XXXX {$3700.00} DEPTEDXXXX XXXX XXXX XXXXXX/XX/XXXX {$3200.00} DEPTEDXXXX XXXX XXXX XXXXXX/XX/XXXX {$1900.00} DEPTEDXXXX XXXX XXXX XXXXXX/XX/XXXX {$2800.00} DEPTEDXXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} DEPTEDXXXX XXXX XXXX XXXX  {$1000.00} DEPTEDXXXX XXXX XXXX XXXXXX/XX/XXXX {$100.00} I have been in deferred/forbearance since XX/XX/XXXX I've provided Equifax, XXXX, and XXXX the documentation showing proof from XXXX the dates of the forbearance and the date when my first payment is due they are refusing to remove the late payments from my credit file with all the proper documentations this is affecting me buying an house I have provided the identity theft reports and still no luck i will be proceeding with an lawsuit if this is issue isn't fixed immediately its going on 40 days

Company response to consumer: Closed with non-monetary relief