vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: WA

Complaint narrative:
Subject : Formal Complaint Inaccurate and Misleading Credit Reporting by Equifax and XXXX XXXX XXXX I am submitting this complaint because Equifax and XXXX XXXX XXXX XXXX XXXX are reporting false and misleading information on my credit report that I believe violates multiple sections of the Fair Credit Reporting Act ( FCRA ). 

Here are the details : I reviewed my credit report and found that Equifax is reporting a Date of Last Activity of XX/XX/XXXX for my XXXX XXXX XXXX account. This is incorrect. My last actual payment was made in XXXX, and there has been no account activity since then. This false date gives the appearance of recent activity when there hasnt been any. I believe this is an attempt to illegally re-age the debt, which is a violation of FCRA 1681c ( a ) ( 4 ) a rule that prohibits furnishing outdated negative information beyond the seven-year reporting period. 

In addition to that, there are inconsistencies between Equifax and XXXX  regarding : The account type ( Equifax reports Monthly, XXXX  reports Revolving ) Last payment dates ( Equifax lists XX/XX/XXXX, XXXX  lists XX/XX/XXXX ) Comments about the charge-off ( Equifax includes `` CHARGED OFF ACCOUNT, '' while XXXX  does not ) These discrepancies violate FCRA 1681e ( b ), which requires that all credit reporting be done with the maximum possible accuracy. I have disputed this information, but the incorrect data has not been removed or corrected. 

Additionally, if XXXX XXXX XXXX is the source of this false or unverifiable data, then they are violating FCRA 1681s-2 ( a ) ( 1 ) ( A ), which states that furnishers must not report information they know to be inaccurate. Since I have previously disputed this data and no correction was made, I believe they are also violating FCRA 1681s-2 ( b ), which requires data furnishers to investigate and correct inaccurate information. 

I respectfully request that the CFPB : Investigate the reporting practices of Equifax and XXXX XXXX XXXX Require them to provide full documentation verifying the Date of Last Activity and account structure If they can not verify the information, require that the tradeline be corrected or deleted under FCRA 1681i Ensure that I receive a written outcome of the reinvestigation and an updated credit report These inaccuracies are having a negative impact on my creditworthiness. I am happy to submit documentation, including copies of the credit reports and proof of last activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX  ] [ XXXXXXXX XXXX XXXXXXXX ] Subject : Request for Deletion of Charged-Off Account Based on Issuance of IRS Form 1099-CDear Sir/Madam, I am writing to formally request the deletion of a charged-off account from my credit report that was issued to me as a result of a debt cancellation. I have received a 1099-C form from the creditor, indicating that the debt was canceled, and as such, the account should no longer appear on my credit report.Under the Internal Revenue Code ( IRC ) Section 108 ( e ) ( 2 ), when a debt is canceled, it is considered income for tax purposes but is no longer a liability for the debtor. As a result, the account should be marked as settled or deleted entirely from my credit report.Additionally, under the Fair Credit Reporting Act ( FCRA ) Section 605 ( specifically Section 605 ( a ) ( 5 ) ), derogatory information such as charged-off accounts must be removed after seven years from the date of the first delinquency. Since the debt has been forgiven, and the 1099-C form has been issued, the account is no longer an active debt obligation and should be considered for deletion.Please find a copy of the IRS Form 1099-C attached for your reference. I request that you promptly update my credit report to reflect this change and remove any derogatory marks related to this charge-off account.If you require any further documentation or clarification, please let me know.Thank you for your prompt attention to this matter. I look forward to your response and the timely resolution of this request.Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am contacting you to dispute an inaccurately reported late payment on my credit report. Upon review, I have confirmed that all payments were made as agreed and on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

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 2025-07-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I purchased a vehicle through XXXX XXXX, and financed it with Westlake Financial Services. The dealership engaged in fraudulent and dishonest business practices, including misrepresenting the terms of the loan and the condition of the vehicle. The paperwork was incomplete or falsified, and I was not properly informed of the true terms or costs. 

As a result, Westlake Financial is reporting a loan on my credit report that is based on this deceptive transaction. I have attempted to dispute the loan directly with Westlake Financial and the credit bureaus, but the inaccurate and unfair information remains. 

I have filed complaints with the New Jersey Division of Consumer Affairs, XXXX XXXX XXXX XXXX  and the Federal Trade Commission. I am requesting assistance to investigate and resolve this matter, as the loan is causing significant financial and credit harm due to actions beyond my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
I have filed complaints with the three bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused me.

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 2025-07-19 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:
I have filed complaints with the three bureaus regarding the status of my credit report, which still contains negative items. The incorrect information listed on my credit report has greatly affected me due to the unfavorable perception from creditors. I am seeking to have the negative items removed from my credit report. Therefore, I am requesting your assistance with this matter. If the credit bureaus do not take action, I am prepared to take legal action against them for the damage this has caused me.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inclusion of the following address on my credit report : XXXX XXXX XXXX, XXXX, GA XXXX Although this property is owned by my grandmother, XXXX XXXX, and my father, XXXX XXXX XXXX, currently resides at this location, I do not reside there, nor do I receive mail at that address or use it as my primary residence. Furthermore, I have no financial accounts, obligations, or transactions associated with this address. 

For these reasons, I am requesting that this address be removed from my consumer credit file as it is inaccurately linked to me. 

To assist in your investigation, I have enclosed the following documentation : A copy of my government-issued ID A recent utility bill or lease agreement verifying my current residential address Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit file. I respectfully request that you investigate this matter promptly and correct the record accordingly. 

Please provide written confirmation once the investigation is complete and the address has been removed. I would also appreciate receiving an updated copy of my credit report reflecting the correction. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inclusion of the following address on my credit report : XXXX XXXX XXXX, XXXX, GA XXXX Although this property is owned by my grandmother, XXXX XXXX, and my father, XXXX XXXX XXXX, currently resides at this location, I do not reside there, nor do I receive mail at that address or use it as my primary residence. Furthermore, I have no financial accounts, obligations, or transactions associated with this address. 

For these reasons, I am requesting that this address be removed from my consumer credit file as it is inaccurately linked to me. 

To assist in your investigation, I have enclosed the following documentation : A copy of my government-issued ID A recent utility bill or lease agreement verifying my current residential address Pursuant to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information in my credit file. I respectfully request that you investigate this matter promptly and correct the record accordingly. 

Please provide written confirmation once the investigation is complete and the address has been removed. I would also appreciate receiving an updated copy of my credit report reflecting the correction. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Ava Finance, Inc
State: FL

Complaint narrative:
Ava reported a delinquency on my credit report despite the fact that the account was brought current and paid in full. I requested a thorough investigation and asked them to validate : Proof of delivery and notice prior to the derogatory mark being reported. 
A signed copy of the original contract or agreement showing clear disclosure of their credit reporting practices. 
A correction showing that the delinquency was cured and the account has a {$0.00} balance, so it is not misleading to lenders. 
An independent or third-party review to validate their internal findings, since their " reasonable investigation '' appeared biased.

Ava failed to provide any of these. Their responses repeated internal logs and boilerplate language without addressing my request for full transparency or contract evidence. The tradeline remains incomplete and misleading. I believe this violates the Fair Credit Reporting Act ( FCRA ) 602, 623 ( a ) ( 1 ) ( A ), and 611.

I have exhausted Ava 's internal process and now seek your assistance in correcting this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
I purchased a service from someone locally, and they had a XXXX  business account. I paid with that, and at the time, XXXX  advertised that I had buyer protection. The service ended up having issues and the business ghosted me. XXXX  ruled against me, saying the business was in the right and I'm left with improper service conducted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
I recently obtained a copy of my credit report after being unable to access for an extended period. Upon reviewing the report, I discovered that fraudulent inquiry have been opened under my name without my knowledge or consent. It appears that my personal information has been misused, leading to these fraudulent activities. I suspect that my personal information was compromised, as I have not authorized these account, inquiries or transaction and I have been a victim of identity theft. Dispute and remove following inquiry XXXX ( Bank ) XX/XX/year> 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NY

Complaint narrative:
To whom ever this may concern my wallet was lost while swimming at a pool side at XXXX XXXX. Ever since someone has been applying for a bunch of accounts no and loans. I have never ever applied for any of the loans or accounts listed below XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX .resurgent I have never applied for none of those accounts I also never inquired about none of these accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Please remove all fraudulent accounts and inquiries as soon as today as I never communicated with none of these companies listed in my report.

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 2025-07-19 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: MS

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: KY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief