vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: NY

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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 seven 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-15 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: AZ

Complaint narrative:
To Whom It May Concern, I am formally disputing the inaccurate reporting of my * * XXXX XXXX XXXX  XXXX, XXXX. * * account on my * * TransUnion credit report * *. As outlined in my attached documentation, there are significant discrepancies between TransUnions report and XXXX report. 

The inconsistencies include : - * * TransUnion lists my account as Unrated, while XXXX  reports it as Included in Bankruptcy. * * - * * TransUnion does not show any delinquency, whereas XXXX  falsely lists my worst delinquency as 90 days past due. * * - * * XXXX  reports a last update date of XX/XX/year>, but TransUnions last update is from XXXX XXXX clear failure to maintain uniform reporting. * * These discrepancies violate my consumer rights under * * FCRA Section 605B * *, which mandates that credit bureaus must * * block disputed information within four business days * * upon receiving supporting documentation. I have disputed this * * ten times * * already, and your failure to correct these errors is unacceptable.

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 2025-05-15 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$67.00} Date Opened : XX/XX/2024

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 — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX

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: Fidelity National Information Services, Inc. (FNIS)
State: RI

Complaint narrative:
ChexSystems is reporting negative entries related to XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX, which I have formally disputed. I have filed active CFPB complaints against all three banks based on either identity theft, account reporting inaccuracies, or failure to provide adequate verification. 

The XXXX XXXX XXXX entry involves a fraudulent check deposit that triggered account closure. I submitted an FTC Identity Theft Report and disputed this with XXXX  XXXX XXXX and ChexSystems. 

XXXX and XXXX are also reporting balances that are inaccurate or disputed, and Ive requested verification or removal through CFPB as well. Despite these efforts, ChexSystems continues to report the entries, which are now actively interfering with my ability to open checking or savings 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 2025-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I financed a vehicle from us auto sales on XXXX, XXXX, XXXX I was making all payments on time however around XX/XX/XXXX my vehicle was illegally repossessed my payments wasnt being reported and my remaining balance was incorrect the company sold my loan contract to Westlake financial and filed for bankruptcy the information that was transferred over to Westlake financial was incorrect my payment dates were incorrect my payment history was incorrect my lease term was incorrect and my overall balance was incorrect however Westlake financial is still stating that I owe them on the loan even though all of the information that they received is incorrect I have tried numerous times to login in XXXX XXXX XXXX  payment portal to retrieve proof but have been unsuccessful because the portal no longer exists west lake financial has a incorrect balance on my credit report in the amount of XXXX that balance is also incorrect

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that is being reported on my credit report. Specifically, the following items are incorrect and are negatively impacting my credit score : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX  Balance : {$600.00} Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my Experian account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX  Balance : {$380.00} Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my Experian account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

These items are either inaccurately reported or have already been resolved, and I request that they be thoroughly investigated and corrected. I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, screenshots of my credit report that to show the inaccurate information and to support my claim. Please investigate this matter promptly, and update my credit report to reflect accurate information.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
EXPERIAN. EQUIFAX. TRANSUNION. 

Subject : Formal Demand for Immediate Removal of All Information Due to Security Breach & Identity Theft Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ) and 12 CFR 1022.136, I demand the immediate removal of all information from my credit report within 24 hours due to systemic inaccuracies stemming from security breaches and identity theft.

Legal Basis for Removal FCRA 605B Blocking Identity Theft Information All accounts, transactions, and derogatory marks ( including late payments and closed accounts ) must be blocked and removed under 15 U.S.C. 1681c-2 ( a ). The 2017 Equifax breach and subsequent unauthorized access to my data constitute identity theft, requiring immediate action.

Closed Accounts Per 15 U.S.C. 1681c ( a ) ( 4 ), closed accounts must be removed if they are " inaccurate '' or " fraudulent. '' Security breaches render all account data unverifiable, necessitating deletion under CFPB Bulletin 2023-03 ( unverified information must be removed ).

Child Support & Collections Child support reporting violates 15 U.S.C. 1681c ( a ) ( 7 ) ( prohibiting reporting of certain civil judgments ) and 42 U.S.C. 666 ( a ) ( 7 ) ( A ) ( restrictions on credit reporting for child support ). Collections tied to breached accounts are unenforceable under FDCPA 809 ( b ).

Transaction History & Late Payments Post-breach transaction data is inherently fraudulent and unverifiable. Under FCRA 611 ( a ) ( 1 ) ( A ) and CFPB v. Equifax ( 2025 ), unverified data must be deleted.

Enforcement & Consequences 24-Hour Compliance Deadline : Failure to remove all information within 24 hours violates FCRA 621 ( a ) ( 2 ) ( A ) and triggers penalties of $ 1,000+ per violation.

CFPB/FTC Reporting : Non-compliance will be reported to the CFPB and FTC under 12 U.S.C. 5514 and 15 U.S.C. 45.

Legal Action : A lawsuit will be filed under 15 U.S.C. 1681n for willful non-compliance, seeking statutory damages, injunctive relief, and attorney fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
EXPERIAN. EQUIFAX. TRANSUNION. 

Subject : Formal Demand for Immediate Removal of All Information Due to Security Breach & Identity Theft Pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ) and 12 CFR 1022.136, I demand the immediate removal of all information from my credit report within 24 hours due to systemic inaccuracies stemming from security breaches and identity theft.

Legal Basis for Removal FCRA 605B Blocking Identity Theft Information All accounts, transactions, and derogatory marks ( including late payments and closed accounts ) must be blocked and removed under 15 U.S.C. 1681c-2 ( a ). The 2017 Equifax breach and subsequent unauthorized access to my data constitute identity theft, requiring immediate action.

Closed Accounts Per 15 U.S.C. 1681c ( a ) ( 4 ), closed accounts must be removed if they are " inaccurate '' or " fraudulent. '' Security breaches render all account data unverifiable, necessitating deletion under CFPB Bulletin 2023-03 ( unverified information must be removed ).

Child Support & Collections Child support reporting violates 15 U.S.C. 1681c ( a ) ( 7 ) ( prohibiting reporting of certain civil judgments ) and 42 U.S.C. 666 ( a ) ( 7 ) ( A ) ( restrictions on credit reporting for child support ). Collections tied to breached accounts are unenforceable under FDCPA 809 ( b ).

Transaction History & Late Payments Post-breach transaction data is inherently fraudulent and unverifiable. Under FCRA 611 ( a ) ( 1 ) ( A ) and CFPB v. Equifax ( 2025 ), unverified data must be deleted.

Enforcement & Consequences 24-Hour Compliance Deadline : Failure to remove all information within 24 hours violates FCRA 621 ( a ) ( 2 ) ( A ) and triggers penalties of $ 1,000+ per violation.

CFPB/FTC Reporting : Non-compliance will be reported to the CFPB and FTC under 12 U.S.C. 5514 and 15 U.S.C. 45.

Legal Action : A lawsuit will be filed under 15 U.S.C. 1681n for willful non-compliance, seeking statutory damages, injunctive relief, and attorney fees.

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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Date : XX/XX/year> TO : XXXX XXXX XXXX. XXXX XXXX XXXX, NC XXXX RE : Formal Dispute & Cease and Desist XXXX  Entry : {$13000.00} Alleged Debt / Account Ending in XXXX To Whom It May Concern, This letter serves as a formal demand for immediate debt validation and a legal notice of estoppel under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

According to my XXXX  credit report, you have reported an alleged charged-off auto loan debt in the amount of {$13000.00}. This entry states the account is charged off and written off, yet continues to reflect a balance and is being reported in a manner that is deceptive, inaccurate, and legally questionable. 

I hereby demand that you immediately cease all collection efforts and provide the following within 30 days : MANDATORY VALIDATION DEMANDS XXXX. Full chain of assignment and legal ownership of the alleged debt, including all sale or transfer agreements. 
2. A copy of the original signed contract obligating me to pay XXXX XXXX. 
3. A complete and itemized account history showing how the balance of {$13000.00} was calculated.

4. Proof of your authority to collect debts in the State of Florida, including your license number and bonding information.

5. A full copy of any data reported to any credit bureau, including XXXX, XXXX, or XXXX, related to this debt.

Until these documents are produced and verified, I demand that you : Cease all communication with me except to provide the above validation, as required by 15 U.S.C. 1692c ( c ).

Immediately remove any negative credit reporting associated with this alleged debt.

Preserve all records and communication, as litigation is pending and any further violation of my rights will result in a formal complaint with the CFPB, FTC, and the Florida Attorney General and civil action in a court of law if necessary. 
This letter also serves as a Notice of Legal Liability. If you continue to pursue collection or reporting without full and proper validation, I reserve the right to pursue statutory damages of up to {$1000.00} per violation, along with actual damages, attorneys fees, and court costs. 

GOVERN YOURSELF ACCORDINGLY. 

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