vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: MI

Complaint narrative:
I am a Michigan resident filing a complaint against Westlake Financial Services regarding an unverified deficiency balance they continue to report to XXXX XXXX XXXX XXXXThe vehicle was repossessed in Florida in XX/XX/XXXX. I never received the legally required pre-sale or post-sale notices under Florida law. 

On XX/XX/XXXX, I sent a certified mail request for debt validation under the FDCPA and FCRA. USPS tracking confirms it was available for pickup at their XXXX XXXXXXXX on XX/XX/XXXX. Westlake did not mail a response. On XX/XX/XXXX, they attempted to respond by sending an email to an outdated email address I no longer actively use. The email only contained a copy of the original retail installment contract which does not show the sale details, sale proceeds, deficiency calculation, or proof of required notices. 

I sent a second certified letter on XX/XX/XXXX. XXXX tracking shows it has been available for pickup since XX/XX/XXXX, but remains unclaimed. Despite my requests, Westlake continues to report the deficiency to all three major credit bureaus without proper validation. 

This is causing ongoing harm to my credit profile and ability to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NJ

Complaint narrative:
On multiple occasions from XXXX, I disputed inaccurate and incomplete information with Experian, Equifax, and TransUnion. Issues include : Equifax reporting my name incorrectly as XXXX XXXX and XXXX A instead of my correct legal name, XXXX XXXX XXXX. 
TransUnion merged my active XXXX  account with a closed account number, retaining late payments from the closed account, creating a false negative history. 
Experian XXXX Equifax continue to report paid-in-full XXXX  XXXX XXXX  accounts XXXX XXXX XXXX XXXX, violating FCRA and XXXX XXXX guidelines. 
I requested the method of verification and investigation details under FCRA XXXX ( a ) ( XXXX ) & XXXX ( a ) ( XXXX ) ; all bureaus failed to provide this. I also have documented dark web alerts confirming exposure of my personal data. The bureaus failures have harmed my credit scores, denied me fair credit opportunities, and caused significant distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: NJ

Complaint narrative:
On multiple occasions from XXXX, I disputed inaccurate and incomplete information with Experian, Equifax, and TransUnion. Issues include : Equifax reporting my name incorrectly as XXXX XXXX and XXXX A instead of my correct legal name, XXXX XXXX XXXX. 
TransUnion merged my active XXXX  account with a closed account number, retaining late payments from the closed account, creating a false negative history. 
Experian XXXX Equifax continue to report paid-in-full XXXX  XXXX XXXX  accounts XXXX XXXX XXXX XXXX, violating FCRA and XXXX XXXX guidelines. 
I requested the method of verification and investigation details under FCRA XXXX ( a ) ( XXXX ) & XXXX ( a ) ( XXXX ) ; all bureaus failed to provide this. I also have documented dark web alerts confirming exposure of my personal data. The bureaus failures have harmed my credit scores, denied me fair credit opportunities, and caused significant distress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX Subject : Goodwill Request for Removal of Late Payment I am writing to you regarding my student loan account number XXXXXXXX XXXX XXXX XXXX XXXX  I want to express my sincere gratitude for the services I have received from XXXX and for the continued support in managing my loan. 

Recently, I noticed that my credit report shows a late payment on XX/XX/year>. I fully acknowledge this mistake and take complete responsibility for it. However, I would like to provide some additional context that I believe is important for considering my request to remove this late payment from my credit report. 

During the period in question, I experienced an unexpected event. This exceptionally difficult situation temporarily affected my ability to manage my finances properly. Since then, I have taken significant steps to ensure that all my payments are made on time, and I have maintained an impeccable payment history. 

My payment history before and after this incident reflects my commitment and diligence in meeting my financial obligations. Attached to this letter are copies of payment receipts that demonstrate my on-time payment history. 

Given my effort to maintain a good account standing and my desire to improve my credit situation, I kindly request that you consider removing the record of this late payment from my credit report. Your understanding and cooperation in this matter would be greatly appreciated. 

Thank you for your time and attention to this request, and I look forward to a favorable response. If you need any further information or additional documentation, please do not hesitate to contact me. 

Sincerely, XXXX 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 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-12 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: CBC Companies, Inc.
State: GA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. Thank you. 

SEE ATTACHMENTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have several fraudulent inquiries on my credit report that I do not recognize That I demand to be removed in 4 days after receiving this complaint 1. XXXX Date XXXXXXXX  Reported to XXXX 2. XXXX XXXX  Date XXXX Reported to XXXX  3. XXXX XXXX XXXX Date XXXX reported to XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NJ

Complaint narrative:
On XX/XX/year>, TransUnions official dispute results stated that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX account had been deleted from my credit file. I saved a PDF of those results ( Exhibit A ). 

On XX/XX/year>, I received an email from TransUnion stating they are waiting for a response from your creditor regarding the same account ( Exhibit B ). This directly contradicts their earlier written confirmation of deletion.

This conduct violates the Fair Credit Reporting Act, including 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which prohibits reinsertion of previously deleted information without providing written notice within five business days, and 15 U.S.C. 1681e ( b ), which requires reasonable procedures to assure maximum possible accuracy of consumer report information. By simultaneously representing the account as both deleted and under investigation, TransUnion is failing to maintain accurate records and is creating confusion and harm to me as the consumer. 

I request that the CFPB investigate why TransUnion issued a written deletion confirmation and then, within XXXX hours, acted as if the account was still under investigation. I further request that TransUnion be required to provide a complete explanation of how and why this occurred, and that they immediately remove any trace of this account from my file in compliance with the Fair Credit Reporting Act. 

This complaint is submitted for the purpose of correcting and removing inaccurate information and does not constitute an acknowledgment, admission, or acceptance of liability for the alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
s a formal dispute of several inaccurate, unverifiable, or outdated entries currently listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I request that you initiate a reinvestigation of the items listed below and remove or correct them within the 30-day timeframe as required by federal law. After reviewing my report, I identified multiple issues that do not accurately reflect my credit history and negatively impact my score. 
XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ 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/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing Experian to statutory, actual, and punitive damages, including attorney 's fees. I expect written confirmation once deletions are complete

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Applied Data Finance, LLC
State: MS

Complaint narrative:
On XX/XX/XXXX I did a preapproval process through XXXX  for a loan and was given a preapproval for XXXX  loans. I continued my application process through the formal website of personfy. I submitted the requested documents which included my photo ID, once I submitted my requested documents, along with my photo ID was when the representatives of XXXX  started to give me the runaround, and continuously request additional documentation that I had already provided. XXXX emailed me on more than XXXX occasions stating that I needed to send them additional documentation I had already originally given them what they requested, which was the last XXXX months of bank statements, last XXXX months of pay stubs and last XXXX months of utility bills. I also submitted my XXXX along with my full SSN XXXX, along with my photo ID. XXXX  continued to reach out to me stating that they needed me to verify my identity although I provided them a photo ID along with a XXXX with my social. They proceeded to request my Social Security card. They also continue to ask for additional bank statements and paystubs although I sent in the required XXXX months of all of my bank statements and paystubs previously! It is my experience that XXXX did not want to lend to me once confirming my race  by photo ID. Then proceeding to request documentation already provided, and additional documentation. XXXX  would never give me a response on why additional items were being requested. They had already pulled my credit and if they were going to decline, they would have done so the moment they pulled my credit. They continue to give me the runaround continuously asking for additional documentation although I have provided them well over XXXX documents of all requested items. I do feel that XXXX  did this when they saw my race  and did not want to lend to me and continue to give me the runaround in hopes that I would ask for a withdrawal which I did later on this evening of XX/XX/XXXX. I sent XXXX  an email and told them to withdraw my request due to the excessive documentation that they continue to request. I am filing a complaint as I believe I was discriminated against once my photo ID was received and XXXX  could see what race I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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 follow up formal complaint regarding fraudulent accounts and inquiries that continue to appear on my credit report as a direct result of identity theft. Despite having previously sent three dispute letters accompanied by sufficient documentation, this matter remains unresolved .. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$340.00} XXXX XXXXXXXX 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/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is one of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: MA

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is one of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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:
XXXX XXXX XXXX XXXX ON MY EQUIFAX REPORT IS NOT SHOWING MY CAR PAYMENTS " PAID ON TIME '' FOR THE FOLLOWING MONTHS : XXXX, XXXX, XXXX, AND XXXX OF 2025. SEE ATTACHED PROOF.

Company response to consumer: Closed with explanation