vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report. 
I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on XX/XX/XXXX, XXXX. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ), the XXXX XXXX ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

Complaint narrative:
Re : Dispute of Fraudulent / Inaccurate Information Immediate Deletion Required To Whom It May Concern, I am disputing fraudulent and inaccurate information being reported on my credit file with TransUnion. The account being reported by XXXX XXXX Account No. XXXX is the result of identity theft and does not belong to me. 

I previously disputed this account, but TransUnion merely responded that it had been verified without providing any documentation, contract, or supporting evidence. This response is misleading, insufficient, and a direct violation of the Fair Credit Reporting Act ( FCRA ). 

I have already filed an FTC Identity Theft Report / Police Report, which is attached as supporting evidence. Under 15 U.S.C. 1681c-2, credit reporting agencies are legally obligated to block and remove all information identified by the consumer as identity theft within four ( 4 ) business days of receiving such a report.

Your continued reporting of this erroneous account severely damages my credit profile, lowers my score, and prevents me from obtaining fair financing opportunities. 

Accordingly, I demand the immediate and permanent deletion of account XXXX XXXX XXXX from my credit file. Failure to comply will result in escalation to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney Generals Office for enforcement of my rights under federal and state law. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
This credit card company would not let me make a payment with my credit card. Forcing me to pay 34.99 % interest. Nor could they point out this limitation or restriction In their credit card account agreement. Basically they wanted access to my checking account or be subject to the 34.9 % interest. 

disclosures of this type should be done at the time of purchase. I bought this product from a company called XXXX XXXX XXXX and didn't even realize I was getting a credit card

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 2025-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Data and Contact Management Solutions, LLC
State: UT

Complaint narrative:
My father died on XX/XX/year>. He left no estate. This debt collector, XXXX XXXX, sent me a letter saying he owed {$92000.00}. First off, I don't believe that to be true, because XXXX ( my dad 's hospital ) made adjustments to a much lower amount. 
The second thing, which bothers me the most, is they thanked me for " the estate 's recent payment of {$50.00}. '' I called them to ask from which account they took the XXXX dollars. Again, my father has no estate. If they got XXXX dollars, it would be stolen. 
When I called the number on the letter, I heard a message saying that number wasn't in service. 
I've lost both parents in the past year and I'm just struggling to survive. I don't need these creeps harassing me and lying to me. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXXXXXX 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 XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Inquiry XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XXXX the XXXX 2025, I contacted USAA and asked them to stop payment on an ACH withdraw from XXXX XXXX. The reason for this request is that the work had not been completed and damaged goods were installed on my property. Additionally, the company damaged my concrete slab. The representative told me that I would have to wait for the transaction to be pending. I called back on XX/XX/year> and was told that my only options were to dispute the charge, which I did. USAA still has not given me my money back. XXXX representatives told me that the original person made a mistake and that they would have a coaching moment with that individual.

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 2025-09-15 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: NY

Complaint narrative:
There was a recent TransUnion Data Breach which caused inaccurate information, such as delinquencies and incorrect addresses and phone numbers, to be placed on my account which is now adversely affecting my credit score and 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 2025-09-15 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the dispute outcome. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action to remove or amend the dispute account, as Experians inaction violates federal law and my rights as a consumer.

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 2025-09-15 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$4400.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$4500.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding my auto loan account originally financed with U.S. Auto Sales at {$21000.00} in XX/XX/XXXX and transferred to Westlake Portfolio Management around XX/XX/XXXX after U.S. Auto Sales bankruptcy. 

Since the transfer, I have identified several serious issues : Payment history discrepancies : I have consistently made biweekly payments of {$240.00} since XX/XX/XXXX, totaling more than {$34000.00}. Despite this, Westlake claims I still owe a large balance. I have not been provided with a full, transparent payment history or an amortization schedule showing how payments were applied.

Potential overcharges : Based on the original terms ( 72 months at 18.9 % APR ), the amount Ive already paid appears to exceed what should remain due. Westlake has not explained the discrepancy. 

Failure to provide documentation : I have repeatedly requested account records and a full payment history from both U.S. Auto Sales and Westlake Portfolio, but Westlake has failed to provide complete, accurate information. 

I also note that Westlake Services , LLC & was previously sanctioned by the CFPB on XX/XX/XXXX ( Enforcement Action XXXX ) for illegal debt collection tactics, improper practices including double billing, false threats, deceptive communications, and unauthorized loan extensions that caused borrowers to pay additional interest. As well as U.S. Auto Sales faced a federal lawsuit in XX/XX/XXXX for wrongfully disabling and repossessing vehicles, misapplying loan payments and activating start-stop tones when customers were not late on payments. My current experience suggests similar deceptive and unfair practices are still occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Client Services, Inc.
State: OH

Complaint narrative:
On Friday, XX/XX/XXXX, a company referring to itself as " Client Services '' contacted me via telephone, saying that I owed money to XXXX, a payday loan that I took out in XXXX. I had already paid off this loan through a different collection agency at the time, and I continue to receive harassment calls like these, threatening legal action. 

On Monday, XX/XX/XXXX, they called again, instead contacting my wife and family. 

Their phone number is XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas, XXXX XXXX XXXX XX/XX/year> Transunion XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern, These accounts and inquires are fraudulent and directly tied to the XXXX XXXXXX/XX/year> transunion data breach. I have no knowledge of these accounts and I request removal. Im inserting my rights under the federal law and I demand immediate removal and blocking these accounts off of my report.

I am writing to formally dispute and request the blocking of certain fraudulent information on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, which pertains to identity theft.

The item ( s ) listed below do not belong to me and are the result of identity theft : XXXXXXXX XXXX XXXX ( acct. # : XXXX ) XXXX. XXXX XXXX XXXX ( acct. # XXXX ) XXXX. XXXX XXXX ( acct. # XXXX In accordance with 15 U.S.C. 1681c-2 ( a ), I am providing the following documentation to support my request : 1. Proof of identity ( copy of government-issued ID and a utility bill/bank statement showing my current address ) 2. A copy of a police report or an identity theft report filed with a law enforcement agency 3. A statement identifying the fraudulent information on my credit file As required by law, you are obligated to block the reporting of this information within 4 business days of receiving this request and required documentation. You are also prohibited from reselling or re-reporting this information unless it is proven to be accurate.

Please confirm in writing once the item ( s ) have been blocked and removed from my credit report.

If you need any further information from me to complete this request, do not hesitate to contact me at the phone number or email address provided above.

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-09-15 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: IL

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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing three accounts on my Experian file : XXXX CARD XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  BANK XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX  BANK XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX  and XXXX  have already removed these same accounts, yet Experian continues to report them as charged-off with balances and marked derogatory. This creates obvious logical conflicts between balance and status, violating 15 U.S.C. 1681e ( b ), which requires CRAs to follow reasonable procedures to assure maximum possible accuracy. Reporting a charge-off with a balance still due is contradictory and misleading, especially after other CRAs corrected it. 

Further, Experian has failed to provide a Method of Verification despite my prior disputes. Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) and 1681i ( a ) ( 2 ) ( B ), Experian must disclose how they verified the data, who they contacted, what documents were reviewed, and when. The courts made it clear in Cushman v. TransUnion that merely parrotting what a furnisher claims is not a reasonable reinvestigation. 

If Experian verified these items, they must provide their complete reinvestigation file and Metro 2 data export for each tradeline, including : Account Status Code Condition Code Payment Rating Balance amount

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 2025-09-15 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: GA

Complaint narrative:
On XX/XX/year>, I disputed a bankruptcy that was inaccurately appearing on my TransUnion credit report using the online dispute portal. Within one day, TransUnion sent me a response stating there would be no change. This shows they did not conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ).

I then mailed a second dispute by certified mail. This time, TransUnion deleted the bankruptcy proving the information was inaccurate and that their first investigation was inadequate.

However, instead of correcting the harm, TransUnion caused further injury : my credit score dropped by XXXX points immediately after the bankruptcy was removed. Normally, removing a bankruptcy should increase a consumers score, not lower it. 

The attached reports demonstrate this sequence clearly : Exhibit A ( Report XXXX XXXX : Bankruptcy still listed, score was higher. 

Exhibit B ( Report XXXX ) : Right before removal, bankruptcy still listed, score stable. 

Exhibit C ( Report XXXX ) : After bankruptcy deletion, score dropped by XXXX points. 

This shows that TransUnions investigation was not reasonable and their handling of my dispute caused direct harm to my creditworthiness. I am requesting immediate correction of my credit score, a written explanation of how this occurred, and assurances that proper procedures will be implemented to prevent repeat violations.

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