vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The collection accounts reported against me, as outlined below, appear to violate my rights under these consumer protection laws. Therefore, I demand the immediate deletion of the following items from my credit report due to the lack of substantiated and verifiable documentation. 
1. Account that are in question are as follow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Further, per FDCPA Section 809, debt collectors must provide full validation and verification of any debt upon request. If you can not provide such verification for the disputed accounts, you are prohibited from reporting them on my credit report.

15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) states that if a consumer notifies a debt collector in writing that they refuse to pay a debt, the collector must cease all further communication, except to notify the consumer of specific actions, such as filing a lawsuit. 
If a debt collector continues to communicate after receiving such notice, it violates the FDCPA. In such cases, the collection or charge-off should be deleted from the consumer 's credit report because it represents a breach of the consumer 's legal rights. Continuing collection efforts after a refusal to pay can lead to harassment or unlawful practices, and the consumer may be entitled to have the entry removed as a result. 
Additionally, I want to emphasize the legal implications of failing to comply with these laws. I will impose a {$1000.00} fine for each inaccurate or unverified claim you continue to report, as permitted under applicable consumer protection laws. 
If these items are not removed immediately, I will pursue litigation to protect my rights. Legal precedents, such as XXXX v. TransUnion LLC and XXXX v. XXXX, show that consumers have successfully sued credit bureaus for reporting inaccurate information, and I will not hesitate to do the same if my rights are violated further. 
The FCRA mandates that all information reported on consumer credit reports must be complete, accurate, and verifiable. If any data is disputed, it must be proven by the reporting agency to be correct and substantiated. Your failure to properly verify these reports constitutes a violation of FCRA Section 1681i, and I demand the immediate deletion of these items from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
The collection accounts reported against me, as outlined below, appear to violate my rights under these consumer protection laws. Therefore, I demand the immediate deletion of the following items from my credit report due to the lack of substantiated and verifiable documentation. 
1. Account that are in question are as follow XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Further, per FDCPA Section 809, debt collectors must provide full validation and verification of any debt upon request. If you can not provide such verification for the disputed accounts, you are prohibited from reporting them on my credit report.

15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) states that if a consumer notifies a debt collector in writing that they refuse to pay a debt, the collector must cease all further communication, except to notify the consumer of specific actions, such as filing a lawsuit. 
If a debt collector continues to communicate after receiving such notice, it violates the FDCPA. In such cases, the collection or charge-off should be deleted from the consumer 's credit report because it represents a breach of the consumer 's legal rights. Continuing collection efforts after a refusal to pay can lead to harassment or unlawful practices, and the consumer may be entitled to have the entry removed as a result. 
Additionally, I want to emphasize the legal implications of failing to comply with these laws. I will impose a {$1000.00} fine for each inaccurate or unverified claim you continue to report, as permitted under applicable consumer protection laws. 
If these items are not removed immediately, I will pursue litigation to protect my rights. Legal precedents, such as XXXX v. TransUnion LLC and XXXX v. XXXX, show that consumers have successfully sued credit bureaus for reporting inaccurate information, and I will not hesitate to do the same if my rights are violated further. 
The FCRA mandates that all information reported on consumer credit reports must be complete, accurate, and verifiable. If any data is disputed, it must be proven by the reporting agency to be correct and substantiated. Your failure to properly verify these reports constitutes a violation of FCRA Section 1681i, and I demand the immediate deletion of these items 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
In early XX/XX/scrub> 2025, I voluntarily closed a newly opened account with XXXX XXXX Bank due to dissatisfaction with their online banking platform. Despite the closure being initiated solely by me and involving no suspicious or negative account activity, XXXX XXXX wrongfully reported the closure to XXXX  under the designation Suspected Fraud Activity. This reporting was entirely false and is currently the subject of an ongoing dispute and formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 

As a direct result of this inaccurate report by XXXX XXXX, Fifth Third Bank froze my existing accounts without notice, causing extreme disruption to my personal finances and violating my rights as a consumer. There was no fraud, misuse, or adverse activity associated with my Fifth Third accounts, nor was I given an opportunity to address the issue prior to the freeze. The action was taken solely based on external and unverified reporting from XXXX 

I contend that Fifth Third acted negligently and punitively by relying on a third-party report without conducting a reasonable internal review, contacting me, or affording due process. This freeze : Prevented me from accessing my own funds ; Caused reputational damage and financial harm; Was based entirely on a report that was itself inaccurate and under dispute.

Fifth Third had a responsibility to independently verify the nature of the XXXX alert and failed to do so. By freezing my accounts based on a disputed and unsubstantiated external notice, they violated my rights under the
FCRA ( Fair Credit Reporting Act ) and may also have breached their own internal protocols for adverse account actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/year>, my vehicle was declared a total loss. I immediately reported this to Westlake Financial and submitted an insurance claim through XXXX XXXX, which is still active and pending due to a delay on the insurers side. 

Despite timely communication and submission of all necessary documentation, Westlake transferred my account to collections after 60 days and reported a derogatory mark to the credit bureaus. This is not my fault, and the debt is expected to be paid by the insurance once the claim is processed. 

I have attempted to resolve this issue by contacting Westlake via phone, chat, and the app. However, I have not been able to speak with any English-speaking agent. Every call is routed to non-English staff who can not help beyond reading scripts. The app also prevents me from making any payments and redirects to the same phone number with no real support. 

I am requesting removal of the negative credit reporting and a pause in collections activity until the claim is resolved. I am also requesting that Westlake coordinate directly with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian credit report To Whom It May Concern, I am writing to formally dispute certain inaccurate items currently listed on my credit report maintained by Experian. Upon review, I found the following discrepancies : 1. Inaccurate Late Payment ( s ) : There are late payment notations that do not reflect my actual payment history. These entries are either incorrect or unverifiable, and I respectfully request that they be reviewed and removed accordingly. 
2. Inaccurate Mortgage Information : My credit file includes mortgage-related data that I believe is reported in error. I request that this information be thoroughly investigated, and if found inaccurate or unverifiable, be promptly 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 2025-05-19 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CCS reporting {$71.00} collection on credit report with XXXX XXXX as original creditor. XXXX XXXX has indicated they have no such debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : Request for Debt Validation Dear Midland Credit Management I am writing in response to your [ letter/phone call ] dated [ insert date ], which I received on [ insert date ], regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with proper validation of this debt.

Please provide the following : 1. The name of the original creditor ; 2. The amount of the alleged debt, including a breakdown of fees and interest ; 3. A copy of the original contract or agreement bearing my signature ( if applicable ) ; 4. Proof that your agency is licensed to collect debts in my state ; 5. Documentation showing you have the legal right to collect this debt.

Until you provide the above documentation, please consider this debt disputed and cease all collection activities. This includes reporting to credit bureaus, filing lawsuits, or contacting me further except to provide the requested validation.

Please respond to this request in writing at the address above within 30 days from receipt. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: MO

Complaint narrative:
I'm filing this complaint because Experian is reporting late payments on my XXXX Auto account ( XXXX ), and I never gave permission for that. This violates the permissible purpose rule under 15 U.S.C. 1681b ( 2 ) ; they must have my written consent, and I never gave it. I also have a right to privacy under 15 U.S.C. 1681a ( 4 ), and this kind of reporting is a violation of that.

The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) says the banking system depends on fair and accurate credit reporting. When theres info on my report that I didn't authorize, like this late payment, it hurts the system and causes harm to consumers like me. I reviewed my reports and noticed that Experian, XXXX, and XXXX  are all reporting different data on the same account ; they dont match. This goes against 15 U.S.C. 1681e ( b ), which requires all information to be accurate and consistent across the board.

Also, under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), reports that only show transactions or experiences between me and the creditor should be excluded from my report. The FCRA defines person broadly under 1681a ( b ), and that includes both Experian and the furnisher. So, this info should not be there at all. 

Also, under 15 U.S.C. 1666b, the law says a creditor cant treat a payment as late for any reason unless the payment was made after the due date and after allowing a fair grace period. If I made a payment on time or within the billing cycle, it should not be reported as late, not to me and definitely not to the credit bureaus. Experian is reporting these late payments without my consent or verification, which violates this law directly. 

This is now my first attempt to get this fixed. These late payments are hurting my ability to get a loan to save my business and housing. Im not asking for the account to be deleted, just fix the late payments or remove those late payments.

If Experian doesnt correct this, theyre committing willful and negligent noncompliance under 15 U.S.C. 1681n and 1681o, and Ill have no choice but to seek legal damages. I already spoke to legal counsel about this matter.

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 2025-05-19 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:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-19 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ; XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EQUIFAX, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud.

I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly.

Thank you for your prompt attention to this matter. 

ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Since XX/XX/XXXX, I, XXXX XXXX XXXX, have submitted multiple formal disputes to TransUnion regarding inaccurate, unverifiable, and outdated information on my credit report. Despite these efforts, the following damaging data remains and continues to be reported : A XXXX XXXX account ending in XXXX, reported as a charge-off since XXXX, has been disputed multiple times due to lack of verification and continued harm to my credit profile. No supporting documentation has ever been provided. 

Multiple unauthorized hard inquiries appear in my report since XX/XX/XXXX, including entries from : XXXX Card Services XX/XX/XXXX and XX/XX/XXXX XXXX Bank Delaware XX/XX/XXXX and XX/XX/XXXX Capital XXXX multiple entries in XXXX and XXXX XXXX XXXX multiple entries in XXXX and XXXX I did not authorize these inquiries, and their repeated appearance severely damages my XXXX XXXX and violates my privacy rights. 

Despite filing disputes and requesting verification, TransUnion has failed to resolve these issues or provide evidence supporting the accuracy of the information. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting immediate removal of the disputed account and all unauthorized inquiries. If not resolved within XXXX calendar days, I will escalate this matter with legal action and a formal complaint to additional agencies. 
This ongoing inaction and failure to comply with federal law constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). If this issue is not resolved immediately, I will pursue compensation for damages caused by inaccurate reporting, negligence, and failure to respond to lawful disputes. I reserve my right to take legal action and seek monetary relief under 15 U.S. Code 1681n and 1681o, including actual damages, statutory damages, and attorney 's fees.

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