vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-05-14 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: MA

Complaint narrative:
Ive 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MA

Complaint narrative:
Ive 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 2025-05-14 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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/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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ava Finance, Inc
State: FL

Complaint narrative:
Upon checking my credit report I noticed unauthorized late payments on my my report I wrote a dispute letter which is attached. I didnt authorize these late payments and they are not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: MA

Complaint narrative:
I can't believe it! I checked my credit report and there are a bunch of strange inquiries, and it turns out someone is trying to open credit cards in my name. This is full-blown identity theft! I havent authorized anything, havent applied for any cards, and now XXXX seriously worried that this person is out there getting into debt using my personal information. I have no idea how they got my data, but this has me completely stressed out. Its a total nightmare!. 
The accounts are : XXXX. XXXX Account # : XXXX ; Date opened XX/XX/XXXX. 
XXXX. XXXX XXXX Account # : XXXX ; Date opened XX/XX/XXXX XXXX. XXXX Account # : XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX - XXXX BANK Account # : XXXX. Date opened XX/XX/XXXX. 
XXXX XXXX BANK XXXX Account XXXX : XXXX ; XX/XX/XXXX. 
XXXX. XXXX BANK XXXX Account # : XXXX XX/XX/XXXX. 

The inquiries are : XXXX. XXXX XXXX XXXX XX/XX/XXXX. 
XXXX. XXXX OF XXXX Inquiried on 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 2025-05-14 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: MA

Complaint narrative:
I can't believe it! I checked my credit report and there are a bunch of strange inquiries, and it turns out someone is trying to open credit cards in my name. This is full-blown identity theft! I havent authorized anything, havent applied for any cards, and now XXXX seriously worried that this person is out there getting into debt using my personal information. I have no idea how they got my data, but this has me completely stressed out. Its a total nightmare!. 
The accounts are : XXXX. XXXX Account # : XXXX ; Date opened XX/XX/XXXX. 
XXXX. XXXX XXXX Account # : XXXX ; Date opened XX/XX/XXXX XXXX. XXXX Account # : XXXX Date opened XX/XX/XXXX XXXX. XXXX XXXX - XXXX BANK Account # : XXXX. Date opened XX/XX/XXXX. 
XXXX XXXX BANK XXXX Account XXXX : XXXX ; XX/XX/XXXX. 
XXXX. XXXX BANK XXXX Account # : XXXX XX/XX/XXXX. 

The inquiries are : XXXX. XXXX XXXX XXXX XX/XX/XXXX. 
XXXX. XXXX OF XXXX Inquiried on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Reason for Dispute : This account is the result of identity theft and fraud. I did not open this account nor authorize any transactions associated with it. 


I am writing to formally dispute inaccurate and fraudulent information reported on my credit file. The items detailed below are the result of identity theft and do not belong to me. I am requesting that you investigate and remove these entries from my credit report as required by the Fair Credit Reporting Act ( FCRA ). 

The Consumer Financial Protection Bureau ( CFPB ) has publicly alleged that credit bureaus have failed to properly investigate consumer disputes, despite the significant role credit reports play in financial decisions like loan approvals, housing applications, and employment opportunities. Given the serious impact of these inaccuracies, I expect a thorough and timely investigation. 
Additional documentation verifying the fraudulent nature of these accounts 15 US Code 1692c Reports filed with the Federal Trade Commission ( FTC ) and my State Attorney Generals Office Confirmation of complaints filed with the Internet Crime Complaint Center ( IC3 ) : IC3 Confirmation Numbers : XXXX, XXXX, XXXX In accordance with the FCRA, I request that these fraudulent items be deleted from my credit report. Please complete your investigation within the mandated XXXX period and provide written confirmation of the outcome. 

If the investigation does not resolve the dispute, I intend to pursue further action by submitting formal complaints to the CFPB, FTC, and the State Attorney Generals Office to ensure my rights are fully enforced. 

Thank you for your prompt attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as a formal demand and notice of legal dispute regarding Westlake Financial Services failure to issue IRS Form XXXX following the apparent charge-off of the alleged debt associated with account number XXXX. 

Your failure to provide Form XXXX not only obstructs my ability to accurately report my tax obligations but also constitutes a potential violation of federal law, specifically : XXXX. 26 U.S. Code 6050P Returns relating to the cancellation of indebtedness Under this statute, any applicable entity ( including a financial institution, XXXX XXXX, or federal government agency ) is required by law to file a Form XXXX with the IRS and provide a copy to the debtor by XX/XX/XXXX of the year following the cancellation of {$600.00} or more in debt. 

Your failure to provide this documentation suggests a violation of 26 U.S.C. 6050P and creates legal exposure to penalties under 26 U.S.C. 6721 and 6722, which impose monetary fines for failure to furnish correct payee statements. 

XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) If you are reporting the debt as charged-off or forgiven on my credit report but have not provided the IRS-required documentation XXXX you may also be engaged in willful or negligent misrepresentation under the FCRA ( 15 U.S.C. 1681s-2 ). This includes the duty to provide accurate information to credit reporting agencies and to correct or update incomplete or incorrect data. 

XXXX. Potential IRS and CFPB Complaint If I do not receive the proper Form XXXX within XXXX ( XXXX ) days of receipt of this letter, I will proceed with the following actions : File a formal complaint with the Internal Revenue Service XXXX IRS ) for willful failure to comply with tax reporting requirements. 

File a complaint with the Consumer Financial Protection Bureau ( CFPB ) for failure to provide federally mandated disclosures and documentation. 

Consider civil action under the FCRA for reporting inaccurate or incomplete information to credit bureaus. 

This is your final opportunity to rectify this matter. Please immediately provide a copy of the Form XXXX, as required by law, and confirm that it has been filed with the IRS. Failure to comply will result in formal complaints and legal action as outlined above. 

I expect your response within fifteen ( XXXX ) days from the date of this letter. All further communications should be made in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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.

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
XXXXMr. Cooper failed to pay insurance, which resulted in cancelation, they then purchased Gap insurance. Mr. Cooper also failed to reconcile our flood insurance coverage with our loan correctly which also resulted in Mr. Cooper purchasing flood gap insurance. We have been trying to get this fixed since XXXX. Here are just a few of the calls to them about these issues: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because they did not pay my property hazard insurance in XXXX  of last year, theyXXXX purchased Gap for that timeframe from XXXX until XXXX and are having us pay that gap insurance cost. They have also purchased a flood gap policy, even though we currently have 3 policies. 1 for the house for more than $XXXX which we were told is more than the total amount required. Plus 2 additional policies to cover shed buildings that add an additional coverage of more than XXXX. We have been calling and talking with multiple Mr. Cooper employees trying to get it taken care of, we are never able to get transferred back to the previous people we talk to and have to start it all over again. These calls last at least an hour per call, sometimes even longer, as was the case on XXXX were the call lasted 2 1/2 hours with a promise of a return call the next day. Never received a call the next day even with confirming the correct number to call more than 3 times at the end of the call. So we called them and was told again that they were working on it but that it would take more time. They could not give me a timeframe of when this would be fixed.XXXXMr. Cooper has failed to fix this situation back in XXXX, and it has added an additional $XXXX  per month to my mortgage that has been taken directly out of my bank account every month payment since XXXX. After getting my hazard insurance agent and Mr. Cooper on the phone together back in XXXX  we were able to find out that Mr. Cooper failed to make the hazard insurance payment even though my escrow review showed it had been paid. My hazard insurance agent was able to let Mr. Cooper know that they did in fact send the renewal documents and that Mr. Cooper failed to make the payment, which left me uninsured, through no fault of my own, from XXXX to XXXX and resulted in Mr. Cooper stating we needed to pay the Gap coverage. My rates also increased due to cancelation for non-payment. This has been a very frustratingXXXX experience, and we have talked to multiple people for several hours trying to get thisXXXX addressed and have not had much success.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Hard inquiries stated below that are unauthorized - I did not apply for credit or give permission for the inquiry. 
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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: 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 explanation
Consumer complaint received 2025-05-15 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: MA

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt XXXX they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being XXXX XXXX accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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 2025-05-14 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief