vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: VA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-20 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: VA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 FRAUDULENT INQUIRIES 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 explanation
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX, CA XXXX Employer - XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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 2025-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding the wrongful repossession of my vehicle by Westlake Financial Services - Date of Incident : XX/XX/year> My vehicle was fully paid off and legally registered in my name. I never had a loan or account with Westlake Financial, yet the vehicle was repossessed under a repossession order issued in someone elses name. I received no prior notice of repossession, and Westlake Financial has failed to return my property despite written demands. 
This wrongful repossession has caused severe personal, financial, and emotional hardship, including : - Single mother of three, with a four-month-old newborn and postpartum complications - Loss of employment and facing eviction due to lack of transportation - Inability to attend medical appointments for myself or my child - Loss of personal property including wallet, money, ID cards, bank and food cards, baby stroller, and car seat - No alternative transportation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
I am filing this complaint due to XXXX unlawful reinsertion and continued reporting of a previously removed and disputed XXXX XXXX XXXX loan ( Account XXXX XXXXXXXX ). This reinsertion occurred without the mandatory written notice required under FCRA 611 ( a ) ( 5 ) ( B ), which alone renders it a direct violation of federal law. 

The account contains several material inaccuracies : It reports delinquencies from XXXX, even though the account was opened in XX/XX/XXXX. 

It shows continuous Charge-Off entries for XXXX, even though the last payment was made in XX/XX/XXXX, and the charge-off occurred prior to that. 

Equifax is enabling double reporting of the same debt by both XXXX XXXX and XXXX XXXXXXXX XXXX duplicate derogatory tradelines and double jeopardy. 

Despite filing a formal dispute under Equifax Confirmation XXXX XXXXXXXX, I have received no documentation supporting the reinsertion. I explicitly requested verification materials such as : Original contract or loan documents Complete payment history Dispute investigation notes All correspondence from XXXX XXXX Any applicable XXXX cancellation of debt forms Chain of title or ownership transfer documentation None of this has been provided. This is not only a procedural failureit reflects a systemic breakdown in XXXX legal duty to ensure accuracy under FCRA 607 ( b ) and to respond in good faith. 

These violations are especially egregious in light of the XXXX Equifax data breach, for which the company entered into consent orders requiring stricter validation controls. The mishandling of this tradeline demonstrates that Equifax continues to fail in its post-breach obligations. 

I am requesting immediate regulatory action, full deletion of the tradeline, and all documentation supporting its reappearance. If not resolved, I am prepared to initiate binding AAA arbitration under the Equifax Consumer Agreement, and pursue statutory, actual, and punitive damages under FCRA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I must express my disappointment with the information on my credit report. I have invoked my rights under the FCRA to contest any data that I believe is inaccurate. It's disheartening to see that allegations of delinquency and derogatoriness have been included in my report without factual evidence. I strongly challenge the reportability of these allegations, as they do not meet federal or state reporting requirements. I trusted that the information in my credit report would be reported with the utmost compliance and accuracy, but it seems that this is not the case. I implore you to ensure that all claims reported are in compliance with regulations and the law. 

PORTFOLIO RC - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I must express my disappointment with the information on my credit report. I have invoked my rights under the FCRA to contest any data that I believe is inaccurate. It's disheartening to see that allegations of delinquency and derogatoriness have been included in my report without factual evidence. I strongly challenge the reportability of these allegations, as they do not meet federal or state reporting requirements. I trusted that the information in my credit report would be reported with the utmost compliance and accuracy, but it seems that this is not the case. I implore you to ensure that all claims reported are in compliance with regulations and the law. 

SUNRISECRED - 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 2025-10-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
Summary of the Problem I experienced two serious issues with Cash App : 1. Dispute handling : On XX/XX/year>, I made two online purchases using my Cash App Card : {$55.00} ( merchant shown as XXXX XXXX XXXX XXXX ) {$69.00} ( merchant shown as XXXX ) These names do not match the stores I believed I was purchasing from.

I never received either item.

I contacted the sellers by email ; I received no response or only automated replies. 
On XX/XX/XXXX i disputed these charges I filed disputes through Cash App, but both were denied in less than one day without investigation. XX/XX/XXXX were denied 2. Automatic linking issue : After my bank issued me a new debit card, I did not add it to Cash App.

Cash App automatically linked the new card without my consent. 
A {$29.00} charge on XX/XX/year> from XXXX then went through, even though my Cash App card locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX  permanently banned my account after I failed to submit documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: WA

Complaint narrative:
Experian I have disputed more than 3 times an old XXXX XXXXXXXX account that is listed twice one with the lender and once with a collection agency. The lender XXXX XXXX should be off my file as the seven year window has passed effective XX/XX/XXXX and this should not be reporting. Same account with collection agency XXXX XXXX XXXX and collection agency purposely re-aged the SAME account and put a different date XX/XX/XXXX and same account number. This is illegal per my findings online per FRCA.

Disputed 3 other old aged accounts that are past 7 years old requesting removal and receive nothing from reporting agency except nothing changed. Nothing in writing no proof, it seems poor practices and is affecting my employment, housing and overall life style.

Experian always responds that nothing has changed and supplies me with no information on any account, or documents. I want to see in writing.

I am attaching the account that is published twice on experian for your review and same account is on TransUnion, XXXX  too Transunion Similar disputed were filed 3 times for 3 other accounts that are past the 7 years time area reporting guidelines. I asked to be deleted and removed and no reply, just some generic email with no findings, nothing being done or investigated. Half of the time there website doesn't even work!

In addition supplied them with my bank statements for an old collection from XXXX showing last payment on account was XXXX same things nothing is being corrected or done. 

You can not reach anyone by phone at transunion and their website is always done due to a glitch it says but no one is doing their job and consumers are paying for it with their credit. 

I had a bad time in XXXX with a XXXX XXXX, fell behind and since I am doing all good things and paying all on time since XX/XX/XXXX, I would like correct things to be reflected about my character, and if something should not be reported now it should be removed per my consumer right.

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 2025-10-20 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-10-20 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have noticed collection accounts on my credit report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate and verifiable credit report. I am requesting that these accounts be investigated, and if they can not be confirmed as accurate, they must be deleted.

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 2025-10-20 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: FL

Complaint narrative:
There is an inaccurate account on my consumer report. I've listed in my letter the account that was opened fraudulently.

FRAUDULENT ACCOUNT : XXXX XXXX XXXX XXXX -- Opened : XX/XX/year>

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 2025-10-20 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: MI

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because XXXX XXXX XXXX accounts are now showing on my credit report after XXXX had previously been deleted. This represents both a re-insertion without written notice and duplicate inaccurate reporting, in violation of FCRA 611 ( a ) ( 5 ) ( B ) and 607 ( b ). 

The deleted XXXX account was re-added without certification of accuracy or written notification within XXXX business days as required by law. Additionally, the presence of XXXX separate XXXX tradelines with inconsistent data creates a misleading credit profile. 

I am requesting that both tradelines be fully investigated and that any unverifiable or duplicate accounts be permanently deleted. 

Please confirm compliance in writing and ensure no further reinsertions occur without proper notice.

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 2025-10-20 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: LA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-20 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: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am officially requesting the removal of this incorrect account from my credit report, as I never authorized its creation or use. Attached are the necessary documents to substantiate my claim.

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 2025-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CT

Complaint narrative:
Carrington mortgage did not pay my insurance ( escrow ) causing cancelation.

Carrington won't answer my calls, won't return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
I have consistently made my payments on time, so I am confused to see an error on my credit report. I am requesting accurate and up-to-date records that properly reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I filed a fraud claim in XX/XX/XXXX for XXXX unauthorized transactions totaling {$2600.00} on my Barclaycard XXXX XXXX. After initially denying the claim, Barclays eventually issued partial credits, and after CFPB intervention, further credits were applied. However, their latest response on XX/XX/XXXX, still fails to clearly match those credits to the original disputed transactionsspecifically, XXXX {$500.00} charges at XXXX # XXXX and XXXX # XXXX from XX/XX/XXXX remain unaccounted for. Barclays letter includes credits for other dates ( e.g., XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) that do not correspond to the original transactions. I submitted a written follow-up on XX/XX/XXXX asking for a transaction-by-transaction reconciliation and documentation supporting their credit decisions. They never provided that. I am now requesting CFPBs help to compel full transparency and traceability between the original fraud charges and the credits issued.

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 2025-10-20 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: FL

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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