vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-04 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: CO

Complaint narrative:
I am reaching out regarding a late payment that has been reported on my credit file in error due to a technical issue. This mistake has significantly impacted my credit score and is now preventing me from moving forward in my financial and personal life. I have already attempted to resolve this directly with my mortgage company, but they have refused to assist in correcting the issue, leaving me with no choice but to escalate my complaint. The late payment in question was caused by an unexpected technical error with my automated payment system, which I had relied on to ensure all my payments were processed correctly and on time. I had autopay set up, and my account had sufficient funds to cover the payment. However, due to a processing glitch, the payment was either delayed or not transmitted properly. I was completely unaware of the issue until I noticed a negative impact on my credit report. As soon as I became aware of the late mark, I contacted my mortgage servicer to understand what had happened. Unfortunately, after multiple conversations and attempts to provide supporting documentation, they refused to make any adjustments, despite acknowledging that the error was not due to negligence on my part. I even submitted evidence showing that I had never missed a payment before and that my account was in good standing before this isolated incident. I have exhausted all reasonable efforts to have this resolved directly with the creditor, and this complaint is my last attempt before pursuing legal action, as this has now placed an unnecessary burden on my ability to secure loans, housing, and other essential financial opportunities. Given the circumstances, I request that the late payment be removed immediately, as it is an unfair blemish on my otherwise responsible payment history. I would appreciate a resolution within the next few days to avoid further escalation. I look forward to your prompt assistance in rectifying this situation.

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 2025-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: TX

Complaint narrative:
XX/XX/XXXX purchased from XXXX XXXX in XXXX XXXX Texas, a XXXX XXXX XXXX which was financed through Westlake Finance who are affiliated with this dealership with false advertisement of free warranty for power train which was added to finance charges among other charges such as tree planting. Warranty was void due to vehicle with history of previous accident written off by previous insurance. Vehicle deemed very unsafe to be in streets, had several malfunctioning to include wiring hanging underneath truck wrapped around frame that did not belong to truck, brakes, and malfunsunsage driving capability. Truck had replaced whole body frame, steering wheel and other parts that did not belong to original truck this voiding validity of warranty. Contacted dealership numerous times without responses. Told to return it to bank. Unpaid to have it towed back to dealership yet they charged me false charges for towing plus kept the reimbursement of warranty charged to me on contract. Placed complaint with XXXX  and XXXX XXXX who suggested I get a lawyer. This case is currently under dispute and served with a demand letter which they have not responded. I can enclose documents from my lawyer. I was cheated wi t my late husbands trading. Truck plus my down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: IN

Complaint narrative:
My social security number was compromised in a data breached and utilized to file income tax in a state i have never lived. As a result, the IRS issues me a pin to file my taxes every year. However, this has not stopped my social to be used to open multiple account. I never really watch my credit until recently I've been getting denied for financial things. I didn't understand until I finally checked a few weeks ago. To my surprise there was so much there. I couldn't believe it. I didn't know what to do so I started to search how I can report this and get it corrected, and many financial experts advised I come here.

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 2025-03-04 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: IN

Complaint narrative:
My social security number was compromised in a data breached and utilized to file income tax in a state i have never lived. As a result, the IRS issues me a pin to file my taxes every year. However, this has not stopped my social to be used to open multiple account. I never really watch my credit until recently I've been getting denied for financial things. I didn't understand until I finally checked a few weeks ago. To my surprise there was so much there. I couldn't believe it. I didn't know what to do so I started to search how I can report this and get it corrected, and many financial experts advised I come here.

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 2025-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent TransUnion several letters asking them investigate items on my report to which they continue to send me responses stating that I did not send these letters and since they do NOT believe I sent them they will be disregarding my letter as frivolous ( I have attached the latest response below ) I requested that the following accounts be Invested for validity per FCRA, US Code 1681 and for all documents that prove that validity be sent to myself to which they have not done so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested that the following inquiries be removed under 2681B as I did Not authorize them : XXXX XXXX XX/XX/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 2025-03-04 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: IN

Complaint narrative:
My information was involved in a data breach.

Im noticing unfamiliar accounts on 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 2025-03-04 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: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : *Creditor/Collection Agency Name : [ Name of Creditor/Company ] ** *Account Number : [ Account Number ] ** *Amount : [ Amount ] ** *Date of Account : [ Date ] ** I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible.

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me.

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA. 


XXXX XXXX XXXX  Account Number : XXXX Amount : {$860.00} Date of XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$580.00} Date of XXXX XXXX XXXX XXXX  Account Number : XXXX Amount : {$960.00} XXXX ot Account : XX/XX/2023 XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$1600.00} Date of Account : XX/XX/2023

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 2025-03-04 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: PA

Complaint narrative:
I was alarmed to find incorrect accounts on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-03-04 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the Experian and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXXXXXX BALANCED {$620.00} XXXX XXXXXXXX BALANCED {$310.00} XXXX XXXX XXXX XXXX BALANCED {$1100.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$40000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX BALANCED {$380.00} CREDIT COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$0.00} XXXX XXXX XXXX BALANCED {$930.00} 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 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 These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I leased a new vehicle XXXX Honda XXXX through Honda financial in XXXX for 2 years and not reported. 

Leased a new Honda XXXX through Honda financial in XXXX and for 2 years it was never reported account # XXXX XXXX Honda XXXX Account # XXXX XXXX Honda XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 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 1002 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 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 2025-03-04 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: GA

Complaint narrative:
I am filing this complaint against Experian for failing to conduct a proper investigation of my dispute and against XXXX XXXX XXXX for repeated inaccurate reporting on my credit file. 

Issues with Experians Investigation Process : - I have uploaded supporting documents multiple times, yet when I request confirmation, I am repeatedly told that Experian never received them. 
- Each time I call Experian for an update, I receive different and conflicting information from their representatives. 
- Despite my continued efforts, Experian has not conducted a proper reinvestigation, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Issues with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  repeatedly opens and closes this account while continuing to report it as a collection. 
- The company does not have my correct address, despite me residing at the same location for over seven years. 
- Credit reporting discrepancies exist between agencies. If the reported information were accurate, it would be the same across Experian, Equifax, and XXXX, but each agency reflects different data. 

Regulatory Violations & Experians Legal History : Experian is legally required to properly investigate disputes under FCRA ( 15 U.S.C. 1681i ) but has failed to do so. The CFPB has previously sued Experian for deceptive practices in its reporting process, yet these violations continue to harm consumers like myself. 

Requested Action : I request that the CFPB intervene and ensure Experian properly investigates my dispute by reviewing the documents I uploaded. I also request that XXXX XXXXXXXX XXXX  be held accountable for repeated inaccurate reporting and that all inconsistent or incorrect information be corrected or removed from my credit file immediately. 

Failure to resolve this issue in accordance with FCRA regulations will leave me no choice but to escalate this complaint further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have been contacted by text twice in my mobile phone number by " XXXX XXXX '' : XXXX. A debt collector regarding " JEFFERSON CAPITAL SYSTEMS LLC '' account. I have no such account, I have never dealed with these companies. They even called me another name when writing to me, not my first name.

2. The second time they wrote me they have limited time to work with me before they return my JEFFERSON CAPITAL SYSTEMS LLC to their clients.

Both texts contained links to click on. I did not click on them. Both texts were sent by the 5-digit number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear EQUIFAX, I am disputing the accuracy and validity of the following account ( s ) on my credit report, and I am exercising my rights under 15 U.S.C. 1681i ( 7 ) of the Fair Credit Reporting Act ( FCRA ).

Disputed Account Information : XXXX XXXX XXXX XXXX XXXX  XXXX I request that you immediately conduct a reasonable reinvestigation into this matter, as required by the FCRA. Additionally, under 15 U.S.C. 1681i ( 7 ), I am formally requesting a detailed description of the reinvestigation process you undertake, including : The procedures used to verify the accuracy of the information. The entities contacted during the reinvestigation. The evidence provided to support the continued reporting of this item.

If you are unable to verify this account with documented proof, it must be deleted from my credit report immediately per FCRA guidelines. Please send me an updated copy of my credit report reflecting these changes. Failure to comply with my request may result in formal complaints with the Federal Trade Commission ( FTC ), and my state Attorney Generals office for violation of my consumer rights. I expect a response within 30 days as required by law. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-04 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 noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-04 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: IL

Complaint narrative:
I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$240.00}

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