vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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 reporting multiple fraudulent and inaccurately reported accounts that are damaging my credit profile. These include auto loans, charge-offs, collections, and child support reporting that do not belong to me or are being reported without valid verification. Despite disputing these items with the credit bureaus under my rights provided by the Fair Credit Reporting Act ( FCRA ), the bureaus continue to verify them using only electronic data-matching ( e-OSCAR ), without providing original documentation, signed contracts, or chain of assignment that proves legal ownership of the debts. 

The specific accounts in dispute are : XXXX XXXX ( repossession/charge-off, closed XX/XX/XXXX ), XXXX XXXX  ( {$25000.00} XXXX loan ), XXXX XXXX XXXX ( {$29000.00} XXXX loan ), XXXX XXXX XXXX ( {$390.00} XXXX ), XXXX XXXX ( over-limit derogatory, $ XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX ( closed XX/XX/XXXX, derogatory balance )XXXX XXXX  ( closed XX/XX/XXXX with derogatory history ), XXXX ( closed XX/XX/XXXX with derogatory reporting ), XXXX ( closed XX/XX/XXXX, derogatory reporting ), and XXXX XXXX XXXX XXXX ( inaccurate reporting of XXXX late and repeated XXXX lates with {$3900.00} XXXX XXXX. 

Additionally, there are numerous hard inquiries appearing on my credit file that XXXX be duplicative or unauthorized, including from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. These inquiries further reduce my creditworthiness without my consent. 

The bureaus continued verification of these accounts violates FCRA 607 ( b ) ( accuracy standards ), 611 ( a ) ( 6 ) ( B ) ( iii ) ( Method of Verification ), and 623 ( furnisher obligations ). Under FCRA 605B, I am requesting that these fraudulent and unverifiable accounts be blocked and removed immediately. Their presence is causing ongoing financial harm by preventing me from securing credit, housing, and other opportunities.

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 2025-08-29 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: TX

Complaint narrative:
Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 Permissible Purpose : 15 USC 1681b ; Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 Your continued reporting of fraudulent accounts in my name, without my knowledge, consent, or any permissible purpose, constitutes willful non-compliance with federal consumer protection statutes and Texas state law, including the Texas Identity Theft Enforcement and Protection Act ( Texas Business and Commerce Code Chapter 521 ), the Texas Deceptive Trade Practices-Consumer Protection Act ( Texas Business and Commerce Code Chapter 17 ), and related provisions of the Texas Penal Code regarding identity theft and fraudulent use of identifying information. 

The following accounts, each opened and reported without my authorization, have inflicted significant damage upon my creditworthiness, financial stability, and personal well-being : a ) XXXX # XXXX Opened XX/XX/XXXX {$19000.00} b ) XXXX XXXX  # XXXX Opened XX/XX/XXXX {$3700.00} None of these accounts were initiated by me, nor have I ever given consent for their opening, reporting, or sharing. Your reckless failure to verify the authenticity of these accounts, to investigate my disputes in accordance with 15 U.S.C. 1681i ( a ), and to maintain reasonable procedures to assure maximum accuracy under 15 U.S.C. 1681e ( b ) constitutes gross negligence and willful violation of the FCRA. Your impermissible access to and dissemination of my credit file likewise violates 15 U.S.C. 1681b, and your reliance on electronic records lacking my express, lawfully compliant signature runs afoul of the 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 non-monetary relief
Consumer complaint received 2025-08-29 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NY

Complaint narrative:
My credit profile is inaccuratewhich is not fair for me. Please investigate this and fix it. I'm really sick and tired of this XXXX. Should there be any updates on my inquiries. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: NY

Complaint narrative:
My credit profile is inaccuratewhich is not fair for me. Please investigate this and fix it. I'm really sick and tired of this XXXX. Should there be any updates on my inquiries. I'm gon na go to court.

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 2025-08-29 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: FL

Complaint narrative:
I am disputing several 90-day late payments that have been reported across four different student loan accounts for the same underlying obligation. These late payments are inaccurately reported and should not appear on my credit report.

During the time in question : My loans were placed in forbearance, which should retroactively protect me from delinquency reporting.

My loan servicer was changed, and the new servicer had incorrect contact information for me ( address, email, etc. ), so I did not receive their communications.

The same delinquency has been duplicated across four separate tradelines, causing excessive and inaccurate damage to my credit history.

I, along with millions of borrowers, was under the impression my loans would be forgiven under the federal student loan relief program announced by President Biden. I acted in good faith based on this government guidance and did not willfully miss payments.

I previously disputed this with the servicer and requested validation and documentation of the reported delinquency. The company denied my dispute but did not provide evidence to substantiate their claim.

Under the Fair Credit Reporting Act ( FCRA ), furnishers of information must ensure accuracy and remove or correct any information that is unverifiable or incorrect. The reported late payments are inaccurate for multiple reasons : my loans were in forbearance, I did not receive proper notice due to servicer error, and the same delinquency is being reported multiple times.

I am requesting the removal of these 90-day late payment entries from all affected student loan accounts and correction of my credit report to reflect my actual payment history.

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 2025-08-29 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: FL

Complaint narrative:
I am disputing several 90-day late payments that have been reported across four different student loan accounts for the same underlying obligation. These late payments are inaccurately reported and should not appear on my credit report.

During the time in question : My loans were placed in forbearance, which should retroactively protect me from delinquency reporting.

My loan servicer was changed, and the new servicer had incorrect contact information for me ( address, email, etc. ), so I did not receive their communications.

The same delinquency has been duplicated across four separate tradelines, causing excessive and inaccurate damage to my credit history.

I, along with millions of borrowers, was under the impression my loans would be forgiven under the federal student loan relief program announced by President Biden. I acted in good faith based on this government guidance and did not willfully miss payments.

I previously disputed this with the servicer and requested validation and documentation of the reported delinquency. The company denied my dispute but did not provide evidence to substantiate their claim.

Under the Fair Credit Reporting Act ( FCRA ), furnishers of information must ensure accuracy and remove or correct any information that is unverifiable or incorrect. The reported late payments are inaccurate for multiple reasons : my loans were in forbearance, I did not receive proper notice due to servicer error, and the same delinquency is being reported multiple times.

I am requesting the removal of these 90-day late payment entries from all affected student loan accounts and correction of my credit report to reflect my actual payment history.

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 2025-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding Westlake Financial Services, LLC and its securitization of retail installment sales contracts that were procured through fraud, predatory lending practices, and unconscionable contract terms. 

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX in XXXX XXXX, Georgia. The dealer forced me into a retail installment sales contract with a 29.99 % APR and thousands of dollars in non-optional add-on fees ( {$2500.00} service contract, {$690.00} doc fee XXXX {$190.00} electronic filing fee, and inflated taxes ). These add-ons were misrepresented as mandatory conditions of financing, in violation of consumer protection and truth-in-lending laws. 

Immediately after execution, the contract was assigned/securitized by Westlake Financial and placed into an asset-backed security ( ABS ) trust.

My concerns are : Misrepresentation of Asset Quality Investors in Westlake ABS trusts are being misled about the enforceability of underlying retail installment contracts, many of which are procured through fraud and predatory tactics. 

Failure to Disclose Risks Westlakes securitization disclosures fail to account for the fact that many contracts are unconscionable under Georgia law and voidable for fraud. 

Securities Fraud Concerns By pooling fraudulent consumer contracts into securitizations, Westlake may be committing material omissions and misstatements in SEC-filed offering documents, in violation of Securities Act of 1933, Section 17 ( a ) and Securities Exchange Act of 1934, Section 10 ( b ) and Rule 10b-5.

Consumer Harm and Market Distortion Investors believe they are buying performing contracts, when in fact the underlying instruments are legally defective. 

I request that the SEC investigate Westlake Financial Services, LLC and its securitization practices, specifically whether offering documents misrepresent the quality and legality of the consumer receivables.

Supporting Documents : Retail Installment Sales Contract ( XX/XX/XXXX ). 

Dealer and Westlake assignment language. 

Evidence of mandatory add-ons and 29.99 % APR

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: WA

Complaint narrative:
IQ Data XXXX - XXXX XXXX XXXX, XXXX, WA XXXX This creditors and debt collection agency has engaged in harassing and unlawful collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ) and the Telephone Consumer Protection Act ( TCPA, 47 U.S.C. 227 ). 
Representatives from certain agencies ( notably XXXX XXXX XXXX ) have unlawfully contacted third parties, including friends, family members, and XXXX XXXX. Such contact is expressly prohibited by FDCPA 805 ( b ).

This company has placed repeated and unwanted calls, including to my cell phone and workplace, despite no consent and after requests to stop.

These actions constitute harassment under FDCPA 806 and misrepresentation of collection rights under FDCPA 807.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
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 ] Account Number : [ XXXX ] Creditor Name : [ XXXX 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 2025-08-29 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: AL

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 non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
I am disputing a loan account that was opened in my name without my knowledge or consent. Ascent has claimed that XXXX initiated this loan, but I never authorized it, nor did I sign any agreement allowing this debt to be created. I have repeatedly requested documentation proving my obligation to this loan, including by sending XXXX separate written requests on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It has now been over XXXX weeks since my first request, and Ascent has failed to provide any proof of this debt. Instead, they have insisted that I must create an online account to view documents, which is not a proper response under the law. Despite the fact that this debt remains in dispute and unverified, XXXX has continued to treat it as valid. Most recently, they appear to have assigned or sold the account to a third-party debt collector, Simms Associates . Since that transfer, I have been receiving constant and harassing phone calls from Simms Associates, including threatening messages attempting to intimidate me into paying a debt that has never been validated. Their conduct is causing significant stress and is a clear violation of my rights, given that I have formally disputed the debt and have not been provided with the legally required documentation. I believe both XXXX and Simms Associates are acting improperly. Ascent is attempting to collect on or assign an unverified debt, and Simms Associates is using harassment and threats in an attempt to coerce payment on a debt that remains in dispute. XXXX  has already closed the account as they were unable to validate the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NJ

Complaint narrative:
My credit report contains accounts that I did not open or authorize. I had no knowledge of these accounts until recently, and I never received any correspondence or notification regarding them. The information being reported is also inconsistent between the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-08-29 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: NY

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief