vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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:
FCRA 1681s-2 ( b ) I have requested 1099c from company, name of rust, full validation, ,request signed contract, full payment and charge off history, cancellation date and irs reason code , method of verification + supporting documents, proof of metro 2 compliance , audit trailor trade lines update, ,furnishers name and license, proof of authority to report, proof account wasnt re-aged, assignment/ownership documents, cease and desist all reporting/collections, delete if not fully validated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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:
FCRA 1681s-2 ( b ) I have requested 1099c from company, name of rust, full validation, ,request signed contract, full payment and charge off history, cancellation date and irs reason code , method of verification + supporting documents, proof of metro 2 compliance , audit trailor trade lines update, ,furnishers name and license, proof of authority to report, proof account wasnt re-aged, assignment/ownership documents, cease and desist all reporting/collections, delete if not fully validated

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 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I keep getting calls from different numbers everyday and all day from Westlake Financial. I lost my job XXXX XXXX in XXXX Ive since moved out of state. While finding work my XXXX  failed. I was unaware because I dont have solid address. I explained this to Westlake and told them I'm trying to make the payments. I also told them I wanted to refinance the vehicle. I've been met with repossession threats and no help. It's frustrating and the calls come when I'm working. Please help. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I am reporting XXXX separate accounts listed on all three of my credit reports ( XXXX XXXX XXXX XXXX ) under Portfolio Recovery Associates, originally from XXXXXXXX XXXX XXXX XXXXXXXX, which are the result of identity theft. I did not open, apply for, authorize, or use any of these credit card accounts, and I was not aware of their existence until I reviewed my credit files. 
Once I became aware of these fraudulent accounts, I sent formal identity theft disputes to all three credit bureaus, clearly stating that the accounts were opened without my knowledge or consent. Despite providing notice under the Fair Credit Reporting Act ( FCRA ), I have received no proper response or investigation results from XXXX XXXX XXXX XXXX the only bureau to update the dispute status, marked each account as : Completed investigation of FCRA dispute consumer disagrees However, even with that notation, the accounts continue to be reported as valid, unpaid collection accounts, and none of the credit bureaus or the debt collector has provided me with any of the following : A signed application or agreement bearing my name or signature Evidence that my identity was verified when the accounts were opened Proof of authorization or usage activity tied to me Documentation of IP address, email address, or device info to support any claim of electronic consent These are clear cases of identity theft, and the accounts are completely unverifiable. Portfolio Recovery Associates has failed to provide any substantiating proof that I am legally obligated to these debts, and the credit bureaus have failed to conduct a proper reinvestigation as required under federal law. 
This ongoing reporting of fraudulent, disputed information without verification and without investigation violates multiple provisions of the FCRA : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishing information known to be inaccurate or unverifiable FCRA 1681s-2 ( b ) Requires furnishers and credit bureaus to reasonably investigate disputed information and delete it if it can not be verified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Did that amount owe {$400.00}. 
Between XXXX and XXXX of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Ive call Capital One bank every week twice a week since XX/XX/XXXX. XXXX  The funds in my account I was told several times would be sent out in a check form never got check account still not Closed check being and debits being returned on a daily basis, I suffer from XXXX and pays copays for meds havent been able to pay, car notes, rent, and bills not paid do to this situation, Ive called and called recorded conversations with bank stating money will be sent and it still havent been in the process of Now being evicted for none payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bridge IT, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I contacted Brigit due to my bank account reflecting a subscription charge for XXXX on my account, and I cancelled it on XX/XX/year>. I keep emailing, and they keep responding with a generic responses that do not pertain to me. I have been unable to speak with a human since this issue starting occurring. 

I was charged on XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX The only one that should be valid is the one for XXXX I cancelled on the XXXX and nothing should be charged from that point on. I have now submitted a dispute directly with my financial institution to get a refund back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
Subject : Formal Dispute Inaccurate Reporting by XXXX XXXX  ( Auto Loan ) Dear [ XXXX ], I am writing to formally dispute inaccurate and misleading information being reported on my credit file. The account in question is listed as : Creditor : XXXX XXXX  Number : XXXX Balance XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXXXXXX : Charged Off / In Collections This account was charged off and sold to a collection agency ( XXXX ) XXXX According to the Fair Credit Reporting Act ( FCRA ), once a debt is sold, the original creditor must report a {$0.00} balance and reflect the account as transferred or sold. However, XXXX continues to report an active balance and past due as of XX/XX/year>, which is factually inaccurate and damaging to my creditworthiness. This is a violation of the FCRA and may be viewed as re-aging the debt. I am requesting the following corrections : XXXX. Update the balance to {$0.00}. XXXX. Change the status to Charged-Off / Sold/ Transferred. XXXX. Remove any reporting of delinquency past the charge-off date. XXXX. Remove or correct the " past due as of XX/XX/year> '' entry. Please investigate and correct this error within the XXXX  days allowed under the FCRA. If XXXX can not validate current ownership or provide accurate status, the account must be deleted.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian began charging me for a monthly premium subscription since XX/XX/year>. I have no idea how they got access to my payment information. I have never received a receipt, payment confirmation, mail, or any other notification from Experian that I was paying them. I found out by looking at my " recurring payments '' feature on my banking app. 

I called, and they agreed to give me a refund for XXXX of the XXXX  months they were charging me. They did NOT deny that I never received a receipt or notification of payment at any time. They didn't say where I could find an email, notification, or piece of mail saying I ever began paying them. 

They said their policy is that payments are non-refundable, but agreed to refund me for XXXX  months, with nothing to defend their position whatsoever.

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 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX at XXXX there was {$71.00} withdrawn from my account without any authorization from myself. I called cash app and filed a complaint they then gave me a complaint number and nothing was ever resolved from then.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I am a victim of identity theft, and there is an account being reported under the name XXXX on my credit report that I did not open, authorize, or apply for. This account was fraudulently established using my personal identifying information without my knowledge or consent. 

I have never had any relationship or communication with XXXX, nor have I applied for a loan, deferment, or student financial product with them. 

Under the Fair Credit Reporting Act ( FCRA ) 1681c-2, I have the legal right to request the blocking of any information resulting from identity theft on my credit report. I have already notified the credit reporting agencies of this fraud and provided proper identification and evidence, including a copy of my FTC Identity Theft Report ( or police report, if applicable ). 

Despite this, the XXXX account remains on my credit file. I am requesting the assistance of the CFPB in compelling the credit reporting agencies and/or XXXX to immediately and permanently remove this fraudulent account and provide written confirmation of its deletion. 

This fraudulent entry is negatively impacting my creditworthiness, and I am seeking only a fair and lawful resolution : removal of the inaccurate data and restoration of the integrity of my consumer file.

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 2025-07-28 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: FL

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$17000.00} XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$810.00} XXXX Date Opened : XX/XX/XXXX Balance Owed : {$200.00} XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$3000.00} PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$340.00} XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$260.00}

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
Consumer complaint received 2025-07-28 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 am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your 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 2025-07-28 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:
Please check the information concerning EQUIFAX data breach below in attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
While monitoring my credit file, I discovered hard inquiries that I never authorized. These inquiries were made without my consent and are a violation of my privacy.

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 2025-07-28 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-28 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: NV

Complaint narrative:
I was not involved in the creation of these accounts. Per USC 1681g, please remove them from my credit report within XXXX  days. Enclosed is evidence confirming they are fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I was in the process of trying to buy a car, and there was damage on my credit report. According to 15 U.S.C 1681, there should not be any damages on my report. 

Remove All Fraudulent Accounts Immediately!!! 

I am writing to formally dispute a charge on my credit card account in accordance with the XXXX XXXX XXXX XXXX ( XXXX  ). The details of the disputed transaction. 


I am writing to dispute inaccurate information that your company is reporting to the credit bureaus regarding my above-referenced account. 

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), I am formally requesting that you investigate this matter. The information currently being reported is inaccurate for the following reason : Under 15 U.S.C. 1681i, you are required to investigate my dispute, report the results to me, and correct or delete any inaccurate or unverifiable information within the required timeframe ( generally XXXX  days ). 

Please confirm in writing when the investigation is completed.

Company response to consumer: Closed with explanation