vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-11-12 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: SC

Complaint narrative:
I am writing to dispute the following information on my credit report. I request that you conduct a thorough investigation of these items in accordance with the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX Compliance Manual. 
XXXX. Charge-Off Accounts Account Name : XXXX  XXXX Account Number : [ XXXX ] Disputed Item : Charge-Off status. Requested Action : Please verify this charge-off account. If the balance is not XXXX, I request an update to reflect the accurate balance. 
Account Name : XXXX Account Number : [ XXXX ] Disputed Item : Charge-Off status. Requested Action : Please review this account to ensure it is correctly marked as charge-off, with the balance set to XXXX if appropriate. 
XXXX. Delinquent Accounts Account Name : XXXX Account Number : [ XXXX ] Disputed Item : XXXX days past due. Requested XXXX : Please verify the delinquent status of this account and confirm the dates for accuracy. If incorrect, I request it be updated or removed. 
Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : [ XXXX ] Disputed Item : XXXX  days past due. Requested XXXX : Please verify if this account has been reported correctly and update it if necessary. 
XXXX. Inquiries Not Tied to Active Accounts Inquiry Date : XX/XX/year> Creditor Name : XXXX XXXX Disputed Item : Inquiry not tied to an active account. Requested Action : Please confirm the legitimacy of this inquiry. If it is not tied to an active credit account, I request that it 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 2025-11-12 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: SC

Complaint narrative:
I am writing to dispute the following items on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Compliance Manual, I request a full investigation of these discrepancies. 
XXXX. Charge-Off Accounts Account Name : XXXX  XXXX Account Number : [ XXXX ] Disputed Item : Charge-Off status. Requested Action : Please confirm the accuracy of this account 's charge-off status. If the balance is incorrect, I request it be updated or removed. 
Account Name : XXXX Account Number : [ XXXX ] Disputed Item : Charge-Off status. Requested XXXX : Please verify the charge-off status of this account and ensure that the balance reflects XXXX if it is indeed a charge-off. 
XXXX. Delinquent Accounts Account Name : XXXX Account Number : [ XXXX ] Disputed Item : XXXX days past due. Requested XXXX : Please investigate the delinquent status of this account. If the dates or amounts are incorrect, I request that they be adjusted or removed. 
Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : [ XXXX ] Disputed Item : XXXX  days past due. Requested Action : Please verify this account for accuracy and correct any errors in the reported past due status. 
XXXX. Inquiries Not Tied to Active Accounts Inquiry Date : XX/XX/year> Creditor Name : XXXX XXXX Disputed Item : Inquiry not tied to an active account. Requested Action : Please confirm whether this inquiry is linked to an active credit account. If not, I request that it be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
I am disputing the following charged-off accounts, inquiries, and late payments on my Equifax credit report : Charged-Off Accounts : XXXX, XXXX, XX/XX/year>, Balance : {$0.00} Late Payments : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
American car center  closed without notification and I was still making payments to them. Then 1 month later my was repossessed by Westlake portfolio management without notice any business with them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
Ensure all contested accounts are removed before the legal deadline.

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 2025-11-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc.
State: TX

Complaint narrative:
b'Account info\nAccount name\nXXXXINC\nAccount number\nXXXXccount type\nCollection\nResponsibility\n\nIndividual\nDate opened\nXXXXnStatus\nCollection account.\nStatus updated\nDec XXXXnBalance\n\nXXXXnBalance updated\nXXXXRecent payment\n-\nMonthly payment\n-\nOriginal balance\n\nXXXXHighest balance\n\n-'

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 2025-11-12 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report XXXX : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within XXXX ( XXXX ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX - XXXX, XXXX XXXX  - XXXX, XXXX XXXX - XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account may be reported. 

I have made multiple attempts to contact EXPERIAN to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than XXXX  days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal 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 2025-11-12 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: MS

Complaint narrative:
I am submitting this complaint to request a formal investigation into Equifax for violations related to both the XXXX  data breach and their failure to properly verify and investigate consumer claims in accordance with the Fair Credit Reporting Act ( FCRA ). 

I was affected by the Equifax data breach, which exposed my personal and financial information. Since then, I have experienced identity, theft, people claiming unemployment benefits in my name, within another state that I have never resided, and accounts opened in my name that I had no knowledge of. Despite submitting documentation and multiple disputes, Equifax has denied my claims without proper verification or investigation, providing no proof that the reported information is accurate or verifiable. 

Additionally, the information in question is only reporting within Equifaxs bureau, and not on XXXX  or XXXX. This inconsistency raises serious concerns about Equifaxs data integrity and internal recordkeeping, especially given their prior breach of consumer information. It is unacceptable for Equifax to report data that other bureaus have deemed unverifiable, while refusing to validate or correct it upon consumer dispute. 

Equifaxs actions appear to violate the following federal consumer protection laws : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) : Requires a reasonable reinvestigation of disputed information within 30 days and deletion of unverifiable or inaccurate data. Equifaxs refusal to verify disputed items violates this requirement.

2. FCRA, 15 U.S.C. 1681e ( b ) : Requires credit bureaus to maintain procedures ensuring maximum possible accuracy. Reporting unverifiable information, especially after a major data breach, fails to meet this standard. 
3. Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) : Prohibits unfair or deceptive acts or practices in commerce. Equifaxs inadequate data protection, selective reporting, and failure to properly investigate consumer claims constitute unfair practices that continue to harm consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NJ

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: NJ

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 
EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 
BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 
THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-11-12 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: GA

Complaint narrative:
I am writing to dispute inaccuracies in my credit report. I have reviewed my credit file and found the following discrepancies. I request that the credit reporting agencies thoroughly investigate and correct the following information. 

Charged Off Accounts Account Name : XXXX XXXX AUTO Account Number : XXXX Date Opened : XX/XX/year> Balance : {$28000.00}

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 2025-11-12 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: TX

Complaint narrative:
Violations : FCRA 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ) ( i ), 611 ( a ) ( 6 ) ( B ) ( iii ), 607 ( b ) I first disputed on XX/XX/year>, and twice followed up after 30 days of each submission. Equifax failed to provide reinvestigation results or a description of its verification procedure. 
Accounts still reporting inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax remains in willful or negligent violation of the FCRA for failing to correct or delete unverifiable data. I request deletion of these accounts and written confirmation within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-12 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-12 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:
Could you assess this record? It was filed late and may not be accurate.

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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
In XXXX of XXXX, I received a call from the XXXX XXXX XXXX office stating there were calling to collect a debt for an amount owed to Acima Leasing. I immediately asked for a validation of debt via mail from the representative who stated I would received it within 7-10 business days. This validation of debt letter was never received. 30 days later on XX/XX/year> I received a call from a company named XXXX ( no additional name ). The representative from the company named XXXX stated that a judgement has been filed in my county and I needed to pay the amount owed to Acima Leasing if I didnt want to be taken to court. They would not confirm the amount owed to Acima and would not send me out a letter to validate the debt because it was being held as proof for suing me in court. I obliged and made a payment to avoid court proceedings. This company stated these payments are sent to Acima Leasing. On XX/XX/year>, I spoke with an Acima Leasing representative and asked for a debt validation letter and to confirm the amount owed on the debt and Acima informed they would try to mail it out, but the debt had been sold to a company named XXXX XXXX XXXX and they would be able to provide this validation of debt letter and a log of the payments made thus far. I called XXXX XXXX XXXX at XXXX and was informed that could not provide any documentation for this debt and needed to speak with their corporate office which is named XXXX XXXX  at XXXX and was informed by a representative there that they were not able to provide any documentation for this debt and needed to speak with a representative at another office named XXXX at XXXX. When speaking with a representative at XXXX I was again told that a validation of debt could not be provided and I needed to speak with XXXX  who are arbitrators could provide this proof of debt. I have been threatened and family member have been called in reference to this debt in which Acima Leasing company will not validate nor the collection company confirmed by Acima Leasing named XXXX XXXX XXXXXXXX. I have paid {$1000.00} thus far and my information has been handed over by ACIMA Leasing for me to be scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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