vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: WA

Complaint narrative:
I dispute the following accounts listed on my Experian credit report. These items are inaccurately reported and must be thoroughly investigated and corrected immediately. 

Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$6700.00} Inquiries XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Positive Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payments 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 2025-12-04 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint because the credit reporting agencies are reporting inaccurate personal identifying information about me, which is a violation of the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( B ), and 609 ( A ).

The following information being reported is incorrect, obsolete, or does not belong to me, yet it continues to appear on my credit file : 1. Incorrect or former names XXXX XXXX XXXX XXXX XXXX XXXX ( Only my legal name should appear. ) 2. Incorrect / old addresses The bureaus are reporting outdated addresses which no longer belong to me and should not be associated with my credit file. These include : XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA My current and only address is XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX. Incorrect or outdated employer information XXXXXXXX XXXX XXXX XXXX XXXXXXXX, and other employer listings are outdated and inaccurate. 

Under the FCRA, consumer reporting agencies are required to maintain maximum possible accuracy ( FCRA 607 ( B ) ) and to ensure that all information in my file is correct. 

These errors are causing my credit file to be associated with : accounts that may not belong to me, outdated locations, and identifiers that increase the possibility of mixed files or identity confusion. 

I have already submitted disputes directly to the bureaus, and the incorrect personal information remains.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: CA

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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 non-monetary relief
Consumer complaint received 2025-12-04 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: CA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C.

1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXXXXXX XXXX XXXX XXXX XXXX  The inquiry was not authorized.

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 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am a military spouse of an XXXX XXXX service member. I filed an SCRA benefit request through Capital One Bank. During the request, I mentioned to the employee that my service member and I are Louisiana residents who qualify for the Louisiana extension and I requested it to be notated for consideration in my request. I was told the notation would not be necessary because the legal team with take the law into consideration when determining eligibility. I provided the requested XXXX  along with my marriage certificate to provide proof of the service dates, Louisiana tax filing status, and my relationship to the XXXX XXXX member. I received a mailed denial of SCRA benefits because the account was opened after service began ( under Louisiana law section Louisiana State 422 and 312, the 6 % interest rate is extended to debts regardless of when they are acquired ). I contacted Capital One and spoke with a supervisor in the SCRA Department. By this Supervisor I was advised that Capital One only considers part of the SCRA federal law when screening for eligibility. I was also advised it would be the responsibility of me as the customer to provide the specific extension of the law for which I qualify. I am filing this complaint because this seems to be a predatory practice to only consider a general scope of the law and not the entirety of the full law. It is also illegal for the bank to essentially break the law and deny applicants access to benefits they may be entitled to if the applicant does not know the law themselves. It is the responsibility of Capital One to operate within the bounds of federal law. Not to deny our service members and their families of benefits meant to protect them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Bankruptcy - XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Bank of America is reporting or attempting to collect a debt, but I have not received proper debt validation. I have not been provided documentation confirming the accuracy of the account, the amount owed, or verification that the debt belongs to me. Without validation, the legitimacy of the reporting can not be confirmed.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
American Express is reporting a charged-off account in the amount of {$1400.00} with repeated late payment history and a final status of 'written off ' or 'charged off. ' The account shows code references such as 166, 065, 067, 002, and 167 which indicate it is disputed and/or seriously derogatory. Despite being closed and charged off, American Express continues to report the account as past due as recently as XX/XX/year>. This account is being reported in a way that is misleading, incomplete, and damaging to my credit profile. I have not been provided complete account-level documentation or internal investigation results that justify the manner in which this is reported. The continued derogatory reporting of a closed, charged-off account especially in the presence of dispute codes creates the false appearance of an active obligation and materially harms my creditworthiness. I have suffered financial injury, including denials of credit, increased interest rates, and emotional stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am filing a formal complaint against Westlake Financial for severe mishandling of my auto loan account, including contradictory information from multiple agents, wrongful repossession, and a scheduled sale of my vehicle despite prior confirmations and accepted payments.

I have recorded conversations where Westlake representatives confirmed that my payment was approved, that the process to release the vehicle was underway, and that everything was correct. Based on these confirmations, I acted in good faith and made the payment as instructed.

However, after providing this confirmation, Westlake suddenly reversed their position and informed me that the procedure was denied. Despite this contradiction, they have now scheduled my vehicle for sale on XX/XX/XXXX, even though : My payment was accepted and previously approved.

Westlake acknowledged internal errors made by their staff.

I received multiple confirmations from agents stating the release process was in progress.

A manager admitted fault in the handling of my case.

The repossession occurred under irregular circumstances and without clear communication. 

Scheduling the sale of my vehicle after accepting my payment, approving the process, and providing confirmations constitutes wrongful repossession, improper sale notice, misrepresentation, and unfair or abusive practices under federal consumer protection laws. 
I am requesting : 1. An urgent investigation into Westlakes mis

handling of my account. 2. Immediate intervention to stop the scheduled sale of my vehicle. 3. A full review of accepted payments and internal errors. 4. Removal of any fees that resulted from Westlakes mistakes. 5. A written explanation of why contradictory information was provided.

6. Enforcement action if necessary due to Westlakes bad-faith practices. 

I will attach recorded calls, written confirmations, payment proof, and a detailed letter describing the irregularities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
My father ( original loan holder ) passed XX/XX/XXXX. The loan was originated XX/XX/XXXX and paid timely until his passing in XXXX. Working through probate and estate issues, the deed was conveyed to his living children XX/XX/XXXX. Covid forbearance was applied for and granted during this time. Once the forbearance was up, the company refused to allow the successors ' in interest to assume the loan citing not having the death certificate or needing proof of successor in interest status ( all repeatedly supply ). Foreclosure was repeatedly threatened, regardless of not processing the rightful assumption paperwork. XX/XX/XXXX after company acquisition, foreclosure proceedings were brought through the courts. Several trial periods were completed to allow for loan modification/assumption. Assumption documents were repeatedly signed and executed. XX/XX/XXXX, the lender generated another round of assumption documents and a new modification paperwork to be executed and returned no later than XX/XX/XXXX. To date, I as a borrower, do not have access to the loan account online. The lender until today, did not have my correct address or email ( even though it has been repeatedly provided over the last few years of engagement. ) Lender violated Garn-St. Germain Act by refusing inheritance assumption, then forced a modification with capitalized fees without providing disclosures. The original loan amount was {$140000.00} in XX/XX/XXXX. The current mortgage after modification is {$130000.00} with no breakdown of fees, or waiving of late fees per the modification paperwork. This was all happening while I was grieving the passing of my father, escaping a XXXX  XXXX  marriage, and enduring pregnancy/birth/post partum.

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 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
They clean my own to some amount of money, which I dont have any information about

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am currently experiencing a temporary hardship and Chase refuses to waive the last XXXX late fees even after the loan was paid in full. All I am asking is for this courtesy waiver considering the term of loan, not just this year. Prior to XXXX, I had NEVER had an issue with late or non-payments. 
I lost my partner, had to take over all household bills and was facing homelessness.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This late payment record is inaccurate, as I have consistently met my payment deadlines. I urge you to correct this mistake as soon as possible and update my account to reflect the correct 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 non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery and XXXX XXXX have reported, called and sent letters to addresses I dont live or ever lived at. They have violated my rights based on - 15 U.S. Code 1692c - Communication in connection with debt collection states, this title, without the prior consent of the consumer given directly to thedebt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate. Also the inaccuracy reporting by XXXX XXXX XXXX affects these challenges. I never signed anything with Portfolio Recovery nor XXXX. No legal agreement has been signed by me and them for a binding contract. Please remove all communication and delete accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TN

Complaint narrative:
Account XXXX XXXX # XXXX The collection agency is reporting a XXXX debt without providing validation. They have not produced a signed contract, itemized billing statements, proof of ownership of the debt, or documentation showing their right to collect. 



They are reporting unverified and inaccurate information, which violates the FCRA. I am requesting CFPB assistance to have this matter investigated and corrected, including the removal of this account if it can not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
TransUnion deleted the XXXX XXXX  account from my credit report and did not notify me of reinsertion as required by FCRA 611 ( a ) ( 5 ) ( B ). XXXX XXXX  then re-reported the account and TransUnion added it back without proper verification. The account is also being reported as open, even though the original creditor closed and accelerated the account, which makes the reporting inaccurate and misleading. I am requesting investigation of TransUnion for unlawful reinsertion and investigation of XXXX XXXX for inaccurate reporting and failure to verify ownership or assignment of the account.

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