vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I been trying to solve this problem for some time with your agency and the corporations and debt collectors you allowed to put fraudulent inaccurate items on my credit report without permissible purpose. Matter is you continued to report items as well without my permission.

I am a litigious consumer Meaning unreasonably prone to go law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

These items should be deleted immediately while in litigation per FCRA guidelines. If you fail to comply with the Federal law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.

1. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX  Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 2. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX  Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 3. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX  Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 4. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX  Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 5. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX XXXX  Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS 6. Under 15 USC 1681b Permissible Purposes of Consumer Reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft. 
XXXX XXXX XXXX XXXX  Account Number : XXXX DELETE AND SUPPRESS THIS ACCOUNT FROM MY CREDIT REPORT BEFORE I SEEK LITIGATION IN SMALL CLAIM COURTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit report reflects an account that is erroneous and not mine. I request a complete investigation and deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
BANKRUPTCY CASE NO : XXXX Failure to Reinvestigate & Continued Reporting of Known Inaccuracies I am filing this complaint against the consumer reporting agencies for continued reporting and verification of inaccurate credit information despite repeated disputes and clear notice. 

The account at issue ( XXXX XXXX XXXX, XXXX. ) was included in and XXXX through XXXX XXXX bankruptcy. Despite this, the credit reporting agencies have continued to report and/or verify pre-discharge information that is inaccurate and misleading. 

For nearly XXXX year, I have submitted multiple disputes requesting correction. Instead of ensuring accuracy, the agencies have re-verified information that has been changed more than XXXX ( XXXX ) times by the furnisher, each time continuing to reflect inaccurate balances, statuses, or payment history that can not legally be reported after bankruptcy discharge. 

Re-verifying information that repeatedly changes does not satisfy the requirement of a reasonable reinvestigation. The agencies have failed to independently evaluate accuracy and have continued to publish information that falsely implies a legally enforceable obligation. 

As a direct result of this ongoing inaccurate reporting and failure to reinvestigate, my XXXX XXXX has declined by approximately sixty ( XXXX ) points, causing measurable financial harm, loss of credit opportunities, and increased cost of credit. 

The credit reporting agencies were placed on notice through : Multiple consumer disputes Furnisher inconsistencies ( XXXX reporting changes ) Bankruptcy discharge documentation Despite this notice, the agencies continued to publish and verify inaccurate information, demonstrating a failure to maintain reasonable procedures to assure maximum possible accuracy. 


-- - REQUESTED RESOLUTION I am requesting that the credit reporting agencies : XXXX. Immediately delete the XXXX XXXX XXXX  account from my credit reports XXXX. Cease verification of information that has repeatedly changed and is demonstrably inaccurate XXXX. Conduct a proper reinvestigation consistent with the Fair Credit Reporting Act XXXX. Provide written confirmation of correction or deletion

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents XXXX  submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Skopos Financial, LLC
State: ND

Complaint narrative:
My auto loan company is called Reprise Financial. My monthly loan original due date lands on the XXXX every month. On XX/XX/year> I called Reprise Financial to extend my due date to the XXXX. The customer service representative canceled the auto pay for the XXXX and I will make the payment at a later date. Approximately a week later, Reprise Financial repeatedly calls me on daily basis. They did not leave a message. I emailed them and reminded them of the promise to pay date I made with them. Through the email I asked them to stop but the calls are still happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: GA

Complaint narrative:
I ask them to stop calling me an emailing me but the keep doing it anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

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 explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MSW Capital, LLC
State: NJ

Complaint narrative:
b'On this specific day I received a phone call at XXXX XXXX XXXX XXXX This is XXXX XXXX  is this -----\nI said yes and they said you owe us XXXX  and I replied who are you and what\nis this about they said this is a debt collection and you must pay immediately do you\nhave a credit card I replied excuse me but I have no idea what you are talking about\nand the reply is you got a letter stating so I said I did not. XXXX  on Voicemail this\nis XXXX XXXX contact us back immediately at XXXX XXXX XXXX we are also sending\na certified letter to your home and your employer your case is XXXXXXXX  same day XXXX XXXX XXXX voicemail this is XXXX XXXX  we are calling\nto collect a debt please call back immediately.'

Company response to consumer: Untimely response
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. 


XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am disputing inaccurate information being reported on my credit report. A collection account is reporting incorrect account status an or/ balance. The information has not properly verified. I am requesting a full investigation and correction or removal of this inaccurate information under the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am disputing inaccurate information being reported on my credit report. A collection account is reporting incorrect account status an or/ balance. The information has not properly verified. I am requesting a full investigation and correction or removal of this inaccurate information under the Fair Credit Reporting Act

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 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Sunbit, Inc.
State: FL

Complaint narrative:
I have a credit card account with XXXX Bank c/o Sunbit Now, XXXX. I used the credit card twice and was feeling great about it. On XX/XX/XXXX, Friday, they requested verification of my credit card account. They asked for my driver 's license and social security card, both front and back, a picture of my driver 's license next to my face, and recent utility bills and bank statements from which I make my payments. Then I let them know I dont have a utility bill, only my mother 's name. I dont have a car, so I don't have car insurance or a mortgage. On XX/XX/XXXX, Monday, I contacted Sunbit to see if they had my documents. I sent them on Saturday, XX/XX/XXXX. One representative stated I need to send over my bank statement again, but make sure they can see all four corners. The representative said that since I dont have utility bills in my name, I can send my government benefit letter that I just received for my XXXX Benefits. Later, another representative, a woman named XXXX, told me I can not send that. 
Still, I can send a credit card statement. I then asked to speak with a supervisor, XXXX, on Monday, XX/XX/XXXX, because I was receiving conflicting information from two representatives. The supervisor, XXXX, told me I can not send a significant credit card statement, and the supervisor said that if I can not send a utility bill, a card note, or car insurance, they will close my account. The supervisor, XXXX, said my government benefits letter was not good enough. XXXX said that if I did not provide this information via email by XX/XX/XXXX, my account would be closed. I sent them XXXX pieces of identification : the front and back of my driver 's license, my Social Security card, a state letter for my state benefits, and a government letter for my benefits. The supervisor, XXXX rushed me off the phone when I was trying to explain to her why they keep changing up what I need and didnt say what I cant need and now she threatened they will close my account In a email from Sunbit they expressed appreciation for my understanding which I do not have no understanding. When I initially applied for this credit card, I was required to provide my driver 's license through their system and face. I dont know why now this verification when I use the card very responsible. I know they sent me advertisement through email but at this time I was not interested to buy anything. My mother had applied for they credit card that I later found out but for some reason they are coming at me at.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
During the end of XXXX Citizens Bank, XXXX XXXX loan officer came highly recommended when it came to purchasing our home. We were told several times by XXXX that after the closing if we deposited {$200000.00} into a XXXX for XXXX months, we would get an additional quarter point off our interest rate and we had up to XXXX months after the closing of our home to deposit that money. We have been told several times throughout the long process about the reduction in our rate if we deposited money verbally also in a voicemail and XXXX actually showed up at the closing of our home and openly discussed it at the table in front of the attorney. 

We finally closed on our home on on XX/XX/XXXX. On XX/XX/XXXX my wife and I went to citizens Bank branch with a certified check for {$200000.00} in an effort to lower our interest rate by a quarter point. 

We were told when we went on XX/XX/XXXX that citizens bank could not lower our rate by a quarter point that we did not qualify because of the type of our loan. Never were informed by XXXX or anyone else at citizens bank that our loan had to be a certain type of loan as I said he even openly discussed it at our closing. 

We have been in contact with XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) who admitted that the XXXX XXXX had made mistakes that he is trying to fix with other customers and XXXX since retired early XXXX. XXXX XXXX has repeatedly said he can not lower the rate, but we pressed and pushed hard and he then offered a one time check of {$2100.00} in hopes that would resolve the issue. If the rate was lowered as promised we would save {$14000.00} over the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Company : Westlake Financial Services Account Number : XXXX Product : Auto loan I am submitting this complaint regarding how Westlake Financial Services is reporting my auto loan account to the credit bureaus. 

I want to be clear that I am not disputing the accuracy of a prior late payment. I acknowledge that a late payment occurred. 

My concern is with the continued reporting of a repossession remark on my credit report when the vehicle was redeemed/reinstated, the loan remained active, and the account has since been paid as agreed. 

The repossession notation is misleading and does not accurately reflect the current status or risk of the account. It presents the appearance of a completed repossession rather than a temporary event that was resolved through reinstatement. 

I previously requested a goodwill adjustment directly from Westlake Financial, which was denied. I am now requesting a compliance review regarding whether the continued reporting of this repossession remark is fair, accurate, and not misleading under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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