vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LCI Acquisition Inc.
State: CA

Complaint narrative:
I am submitting this complaint to formally dispute and escalate the continued reporting and furnishing of a XXXX XXXX bankruptcy associated with my consumer credit reports. This complaint is not duplicative or frivolous. It is based on unresolved verification failures, material inconsistencies, and continued noncompliance after prior notice. 

This bankruptcy was previously disputed, including through a CFPB complaint, in which I challenged the accuracy, lawful association, and verification methods used to report this alleged public record. That filing placed LCI and the consumer reporting agencies on formal notice of deficiencies in verification and reporting. Despite this notice, the bankruptcy continues to be reported without lawful verification. 

LCI and the credit bureaus have relied on third-party aggregation, database matching, and indirect identifier correlation rather than producing certified court documentation demonstrating lawful association between me and the alleged bankruptcy. To date, no certified bankruptcy petition, schedules, docket, or court-issued verification bearing my full identifying information has been provided. Partial identifiers, address matching, or automated systems do not meet the reasonable reinvestigation standard required by the Fair Credit Reporting Act. 

Additionally, this alleged bankruptcy is reported inconsistently across Equifax, Experian, and TransUnion. Each bureau lists different filed dates, reported dates, reference numbers, and court identifiers for the same alleged public record. These contradictions establish that the information is not being maintained with maximum possible accuracy and is legally unverifiable. XXXX XXXX public record standards require consistency across core data fields, which has clearly not been met. 

I am also a confirmed victim of the Equifax data breach and the XXXX XXXX XXXX breach. My personal identifying information has been compromised, significantly increasing the risk of mixed files and misattribution of public records. Under these circumstances, continued reliance on automated or third-party verification methods is unreasonable and insufficient. 

Under 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation and delete information that can not be verified. Under 15 U.S.C. 1681e ( b ), they must maintain reasonable procedures to assure maximum possible accuracy. These duties were triggered by my prior disputes and remain unmet. 

The continued furnishing and reporting of this bankruptcy after notice constitutes negligent and potentially willful noncompliance. This inaccurate reporting has caused ongoing harm, including suppressed credit scores, reduced access to credit, increased borrowing costs, and emotional distress related to identity theft risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: IL

Complaint narrative:
I have already disputed these items directly with the credit bureaus. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting, and the bureaus are required to investigate and correct or remove any unverifiable information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: IL

Complaint narrative:
I have already disputed these items directly with the credit bureaus. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting, and the bureaus are required to investigate and correct or remove any unverifiable information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: FL

Complaint narrative:
am submitting this complaint regarding inaccurate and inconsistent credit reporting by Westlake Financial related to an auto loan account. 

The Date of First Delinquency ( DOFD ) ( confirmed by lender ) for this account is XX/XX/XXXX. After reviewing the last payment date and aging, XXXX removed this account in XX/XX/XXXX, and XXXX has also removed the account. 

Despite these removals, Westlake Financial continues to report this account to Equifax with a later Date of First Delinquency of XX/XX/XXXX, which improperly extends the reporting period. I recently contacted Westlake Financial directly to confirm the DOFD, and this inconsistency remains unresolved. 

Once a furnisher verifies a Date of First Delinquency that results in removal on XXXX or more credit bureaus, that same DOFD must be reported consistently across all credit bureaus. Reporting a later delinquency date on Equifax after aging-based deletions on TransUnion and Experian constitutes inaccurate and potentially re-aged reporting under the Fair Credit Reporting Act. 

I am requesting that Westlake Financial either update XXXX to reflect the verified DOFD of XX/XX/XXXX or remove the account entirely if it can not be reported consistently and accurately. am submitting this complaint regarding inaccurate and inconsistent credit reporting by Westlake Financial related to an auto loan account. 

The Date of First Delinquency ( DOFD ) for this account is XX/XX/XXXX. After reviewing the last payment date and aging, TransUnion removed this account in XX/XX/XXXX, and Experian has also removed the account. 

Despite these removals, Westlake Financial continues to report this account to Equifax with a later Date of First Delinquency of XX/XX/XXXX, which improperly extends the reporting period. I recently contacted Westlake Financial directly to confirm the DOFD, and this inconsistency remains unresolved. 

Once a furnisher verifies a Date of First Delinquency that results in removal on XXXX or more credit bureaus, that same DOFD must be reported consistently across all credit bureaus. Reporting a later delinquency date on Equifax after aging-based deletions on XXXX and XXXX constitutes inaccurate and potentially re-aged reporting under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts [ No charged-off accounts listed for Equifax ] Inquiries XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
see attachment, Equifax is continuously running sham investigations, I have provided facts for there own credit reporting file after Equifax had explain to the CFPB that they conducted a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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:
This complaint against credit reporting agencies experien, equifax and TransUnion as all three refuse to update, correct and remove items from my credit report that have been resolved. At times it appears to be removed and then it pops back up as delinquent and missed payments when the account is dissolved and closed. It is for Texas Attorney General. Child support payments. I have sent the credit agencies a copy of a count order XXXX times as well as disputed this item several times since it was resolved between myself and the Texas Attorney General office in XX/XX/year>. It remains on my credit report as a negative mark and is affecting the status deeply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center 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 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute for the following accounts listed on my credit report. These items are inaccurate or incomplete and I request their immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ). Below are the details : Charged Off Accounts : XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$24000.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$4700.00} XXXXXXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$8700.00} Late Payment : 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 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
They froze my own account on XXXX then escalated to " '' permamnent hold '' '' on my account for no reason but bias and discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-22 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: LA

Complaint narrative:
XXXX  and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX  and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX  and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX  and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: AZ

Complaint narrative:
I am formally disputing multiple unauthorized and unknown hard inquiries that TransUnion is reporting on my consumer credit file. I did not apply for credit, authorize, or provide permissible purpose for the following hard inquiries, and TransUnion has no legal basis to continue reporting them : XXXX XXXX XX/XX/2025 XXXX XX/XX/2025 XXXX XX/XX/2025 These inquiries are not recognized by me, were not initiated by me, and appear to be the result of unauthorized access and/or identity misuse. Their presence is materially harming my credit profile by improperly lowering my credit score and misrepresenting my credit-seeking behavior.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), TransUnion is required to ensure maximum possible accuracy and may only report inquiries when a creditor has a valid permissible purpose. If TransUnion can not produce documented proof of my authorization for each inquiry, continued reporting is unlawful.

I am requesting that TransUnion : 1. Immediately delete the above-listed hard inquiries from my credit report, and 2. Cease reporting any inquiry that can not be fully verified as authorized by me.

Failure to correct these inaccuracies constitutes non-compliance with federal law. I am submitting this complaint through the CFPB due to TransUnions failure to adequately protect my consumer rights and ensure accurate reporting. 

I expect prompt correction and written confirmation that these unauthorized inquiries have been permanently 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 2025-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
As of XXXX XXXX requested to close mortgage insurance since XXXX XXXX is reached 80 % of original price XXXX but they said investors home projection value is less than original price so they cant initiate until we reach XXXX and giving us different numbers to close it for every time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXX XXXX closed my account due to what they claim was fraudulent activity, never gave me information or asked me for information on what happened or gave me any details on my account besides restricting it XX/XX/year> and going into the process of closing it. Ive been a customer of XXXX for over 10 years, never had any problems with my account until now and wasnt even able to speak with anyone at XXXX in regards of how this can be fixed. Zelle has also banned me as well despite again, no information being given to me or helping me. Theres no customer service to reach Zelle directly and when you get in contact with your bank they say you have to contact Zelle. Theres no way to get a resolution from Zelle either at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: GA

Complaint narrative:
Inquiry placed on my credit report, please remove asap! 

XX/XX/year> ( XXXX XXXX XXXX ) XX/XX/year> ( 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 2025-12-22 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: MO

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX  XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX  v. TransUnion ( XXXX  ), XXXX  ( XXXX  ), and XXXX  v. TransUnion ( XXXX  ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : INQ : XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 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: NC

Complaint narrative:
I am a victim of identity theft and an associated data breach. I did not authorize any account, tradeline, inquiry, collection activity, or adverse credit event currently appearing in your files under my identifying information. Any such data is inaccurate and unlawfully maintained. 

Pursuant to 15 U.S.C. 1681c-2, 1681e ( b ), and 1681i, you are required to immediately block, delete, and cease reporting or distributing all unauthorized information associated with my identity. Continued reporting after this notice constitutes willful noncompliance. 

Please provide written confirmation of permanent deletion. 

I certify this statement is true and correct.

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