vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to inform you that I was impacted by a data breach, which has led to fraudulent accounts being listed on my credit report. Under 15 U.S.C. 1681c-2 ( a ), I ask that you block and delete these accounts within 4 days : Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} Inquiries XXXX XXXX  Date : XX/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 2025-05-30 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: PA

Complaint narrative:
Today I came across some false information on my credit report and I have no clue where it came from. This isn't the first time Ive checked, but its the first time Ive seen these strange errors. I thought it might just be a display issue, so I refreshed my browser, but the incorrect entries remained. Im requesting a thorough review of the documents I sent to ensure this problem is resolved for good.

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 2025-05-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following inquiries do not have my authorization and must be deleted : XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX These inquiries violate the FCRAs strict permissible purpose requirements ( 15 U.S.C.

1681b ), as I did not initiate these inquiries, nor was I provided proper notification or opportunity to consent. Additionally, under 15 U.S.C. 1681i, you must reinvestigate and remove any information that can not be verified.

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 2025-05-30 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: MO

Complaint narrative:
I am a victim of identity theft. On XX/XX/year>, I submitted a valid FTC Identity Theft Report and a written dispute to Experian, requesting the permanent block of fraudulent XXXX XXXX  accounts under FCRA 1681c-2. 

On XX/XX/year>, Experian responded that the accounts had been blocked from my credit file. However, I received a credit monitoring alert dated XX/XX/year> after my dispute was submitted showing that XXXX reported one of the same accounts as over the credit limit. The account is still visible on my credit report as of today. 

This violates federal law. Once an account is disputed with an Identity Theft Report, Experian is required by FCRA 1681c-2 to block the information within four business days and prevent it from being reported again. That did not happen.

Additionally, Experian told me to contact the creditor directly, which contradicts their legal responsibility to prevent further reporting after the item has been blocked. 

I am requesting enforcement action to compel Experian to permanently block all fraudulent XXXX XXXX tradelines, prevent future reporting or updates, and remove all derogatory information related to these identity theft accounts.

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 2025-05-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Claim regarding Property Tax on leasing car ( {$140.00} ) Contacted with customer service center many times : XXXX Providing documents that they need by mail and fax as below : The first mail date XX/XX/XXXX ( BY XXXX ) XXXX first fax date XX/XX/XXXX The second fax date XX/XX/XXXX The third fax dated XX/XX/XXXX Still not resolved. 
I am leasing a XXXX XXXX XXXX through Kia Motors Finance. Several months ago, I received a notice stating that my property tax was overdue from kia financing company. I called customer service and describing regarding Texas car property tax regulations for leasing car that vehicles leased for personal use are exempt from property tax in Texas. Somebody told me that I have to fill out XXXX XXXX XXXX including notarization, and send to them by mail by designated mail address of kia property tax department. They said the department would review the documents and waive the tax charges. I mailed out the form by XXXX with tracking number. A week later, I contact customer service since I want to check if my claim is processing. But they said they dont know where my mail is and asked to send it by fax again. So, I faxed it again and again for three times within a month since it is still not solved out.

Despite these efforts, the property tax balance still remained on my account and the issue still has not been resolved. I made multiple follow-up calls, and during my last conversation, the representative was unhelpful and dismissive, offering no clear explanation or resolution.

As a result of this unresolved matter, the overdue balance remains on my account and is now affecting my credit score. I have made every reasonable effort to comply with the process and provide the required documentation, yet I am still facing consequences due to the apparent mishandling of my case by your department. 

I am submitting this formal complaint in the hope that the matter can be escalated and resolved as soon as possible. I respectfully request that the property tax balance be removed from my account and that any negative impact on my credit report be addressed accordingly.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, 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 non-monetary relief
Consumer complaint received 2025-05-30 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: TX

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-05-30 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: CO

Complaint narrative:
I would like to kindly request that the credit freeze on my file be lifted, as I am in the process of applying for credit and need my report to be accessible to authorized parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-05-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Late payments were reported on my credit report after contacting XXXX XXXX  multiple times to make sure my balance was paid in full. Every time I called a payment was made over the phone and a representative had a different story for why I had an outstanding balance. At the end of the phone conversation Im always informed that my balance is paid in full, but yet it still gets reported to the Credit agency as a late payment. I need to remove the following late payments for my credit report due to the information being inaccurate.

I am filing a complaint because my creditor XXXX  and XXXX  is reporting late payments on my on my XXXX XXXX account # XXXXXXXX XXXX  that is inaccurate and not properly verified. I have disputed this directly with the credit bureau and the furniture but the payments remain without proper validation or documentation Under 15 USC 1681 S2 a furnitures must report accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: Westlake Services, LLC
State: GA

Complaint narrative:
I am writing to formally dispute the continued reporting and association of an account with Westlake Financial Services that appears on my credit file without my knowledge, consent, or authorization. 

I have no knowledge of this account, nor did I authorize my name or personal information to be used in connection with it. This matter was first brought to Westlake Financial Services ' attention on XX/XX/year>, and again on XX/XX/year>, during which I explicitly requested a full investigation and the immediate removal of my name from the account. 

Despite these efforts, as of XX/XX/year>, the account continues to be associated with my credit report and I am still being contacted by Westlake Financial Services via email regarding this matter. This is unacceptable, as it constitutes the continued misreporting of inaccurate and unauthorized information, which is negatively impacting my credit profile and preventing me from achieving creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit file that I believe to be inaccurate or fraudulent. I demand that Westlake Financial Services : Immediately cease all communications with me regarding this unauthorized account ; Remove my name and personal information from the account in question ; Issue a formal letter of deletion confirming that I am not, and never was, responsible for this account ; Ensure that all credit bureaus ( XXXX XXXX XXXX XXXX ) are notified of this correction and that the account is permanently removed from my credit file. 

Please treat this matter with the urgency and seriousness it warrants. Should there be no resolution within XXXX business days, I will proceed with filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office, in addition to seeking legal counsel to protect my rights under federal consumer protection laws.

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have recently discovered fraudulent accounts on my credit report due to a data breach. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$320.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/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 2025-05-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Dispute of Unauthorized/Inaccurate Credit Inquiry To Whom It May Concern : I am writing to formally dispute a credit inquiry that appears on my credit report. I did not authorize this inquiry, and I believe it has been added in error or without my consent. 

Details of the inquiry : ( All inquiries below are reported are my Experian Credit Report ) XXXX reported XX/XX/XXXX XXXX  reported on XX/XX/XXXX XXXX  reported on XX/XX/XXXX XXXX reported on XX/XX/XXXX XXXX XXXX XXXX XXXX reported on XX/XX/XXXX XXXX XXXX XXXX reported on XX/XX/XXXX XXXX  XXXX reported on XX/XX/XXXX XXXX  XXXX reported on XX/XX/XXXX XXXX reported on XX/XX/XXXX I request that this inquiry be investigated and, if found to be unauthorized, removed from my credit file. In accordance with the Fair Credit Reporting Act ( FCRA ), I request written confirmation of the results of this investigation. 

I have attached supporting documentation, including a copy of my credit report highlighting the disputed inquiry, and any relevant communications. 

Please let me know if any additional information is needed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX Date of Birth-XXXX Last four of Social Security Number is 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 2025-05-30 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: MS

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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