vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: FL

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

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$760.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this personal statement in support of my identity theft report. My identity was compromised as a result of my vehicle being stolen. 

On or around XXXX XXXX, my vehicle, [ XXXX  XXXX XXXX ], was stolen from my home in XXXX, TX. I reported the theft to the appropriate authorities, and a police report was filed under report number [ XXXX XXXX XXXX ] with the XXXX XXXX XXXX XXXX XXXX. 

At the time of the theft, the vehicle contained several personal documents and sensitive information that may have contributed to my identity being compromised. These items included : A copy of my driver 's license Vehicle registration Insurance documents Mail addressed to me containing personal identifiers Following the incident, I began noticing suspicious activity related to my personal information, including but not limited to : Unfamiliar accounts or inquiries on my credit report Suspicious transactions or unauthorized attempts to access my financial accounts Notifications from creditors or agencies regarding debts or accounts I did not open I believe this activity is directly related to the theft of my vehicle and the personal information that was in it at the time. I did not authorize any of these actions, and I am requesting a full investigation and assistance in resolving the misuse of my identity. 

Please consider this a formal statement in support of my identity theft claim. I have taken additional steps to secure my identity, including placing fraud alerts on my credit reports, contacting the Federal Trade Commission, and reporting this matter to the IRS and relevant financial institutions. 

Thank you for your time and assistance. Please do not hesitate to contact me for any further details or documentation.

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 2025-07-24 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this personal statement in support of my identity theft report. My identity was compromised as a result of my vehicle being stolen. 

On or around XXXX XXXX, my vehicle, [ XXXX  XXXX XXXX ], was stolen from my home in XXXX, TX. I reported the theft to the appropriate authorities, and a police report was filed under report number [ XXXX XXXX XXXX ] with the XXXX XXXX XXXX XXXX XXXX. 

At the time of the theft, the vehicle contained several personal documents and sensitive information that may have contributed to my identity being compromised. These items included : A copy of my driver 's license Vehicle registration Insurance documents Mail addressed to me containing personal identifiers Following the incident, I began noticing suspicious activity related to my personal information, including but not limited to : Unfamiliar accounts or inquiries on my credit report Suspicious transactions or unauthorized attempts to access my financial accounts Notifications from creditors or agencies regarding debts or accounts I did not open I believe this activity is directly related to the theft of my vehicle and the personal information that was in it at the time. I did not authorize any of these actions, and I am requesting a full investigation and assistance in resolving the misuse of my identity. 

Please consider this a formal statement in support of my identity theft claim. I have taken additional steps to secure my identity, including placing fraud alerts on my credit reports, contacting the Federal Trade Commission, and reporting this matter to the IRS and relevant financial institutions. 

Thank you for your time and assistance. Please do not hesitate to contact me for any further details or documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
I dont know what account theyre calling me from, and when I asked them they refuse to give me account information. They just keep repeating over me are you XXXX XXXX when I told them that I am not confirming anything unless they provide me with my account information. I had already talked to them in the past and they refused to tell me what account theyre calling were calling me from. Just said they had a collections account on my name that I need to pay. They call me almost EVERYDAY more than once and they just called me twice in less that XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-24 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: LA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ).

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 2025-07-24 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: IL

Complaint narrative:
I am submitting this complaint regarding the account reported by XXXX XXXX XXXX ( Account # : XXXX ), which is inaccurately reflecting a late payment on my credit report. The account has already been paid, and the reported late payment occurred during a time I was affected by a natural disaster, which temporarily disrupted my financial stability and ability to make timely payments. 

Despite the hardship and full payment, the account is still being reported with a negative late payment remark, which is unfair and damaging to my credit history. I have contacted the credit bureaus and included supporting documentation, but the issue has not been corrected. 

I am requesting the CFPB 's assistance in having this inaccurate late payment remark investigated and removed from my credit report, as it does not reflect the current status or the context of my 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 2025-07-24 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: VA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the XXXX  data breaches or Identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Spoke with a Westlake financial representative on XXXX XXXX. Receive product on XX/XX/year>. It was not what the representative described. Been trying to return the device, they told me the only way I can return it, is if I pay {$120.00} dollars. I remember asking the representative if I could return it at anytime if I wasn't satisfied with the product he said yes. All you have to do is call. So I did, they were very nasty and belligerent to me and they hung up on me three times. They are still going to charge me for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
I am reporting an account that was fraudulently opened in my name without my knowledge or consent. The account in question is listed as XXXX, reported by TransUnion, and shows as a secured loan opened on XX/XX/year>, with a balance of {$520.00} and a worst payment status of 6089 days late. The account was closed on XX/XX/year>, but continues to negatively affect my credit report. 

I have no knowledge of this account and never authorized or applied for any secured loan through this creditor. This is a clear case of identity theft. I was not living in or conducting any financial business in XXXX, TX at the time this account was opened, where the listed creditor address is located ( XXXX XXXX XXXX, XXXX  XXXX, XXXX, TX XXXX ). 

This fraudulent account has been marked with derogatory payment history, including multiple late payments, which are severely impacting my credit standing. I have since filed disputes directly with the credit bureaus and attempted resolution with the furnisher, but the account remains on my 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 non-monetary relief
Consumer complaint received 2025-07-24 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/2023 Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/2023 UNAUTHORIZED INQUIRIES : XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifaxx

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
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 explanation
Consumer complaint received 2025-07-24 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: NJ

Complaint narrative:
This complaint is not submitted in error. My credit report contains inaccurate and unverifiable information that fails to meet the legal requirement of maximum possible accuracy. These errors are causing serious and ongoing harm to my financial health and personal well-being, which is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: AZ

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 2025-07-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In XX/XX/year>, I contacted Best Buy customer service via chat to request a price match for a recently purchased XXXX XXXX XXXX. The agent reviewed the competitor link, verified the SKU and eligibility, and confirmed in writing that the price match was approved. I was instructed to cancel my previous order and repurchase the correct item, and I did so using my Best Buy Credit Card issued by Citibank. 

The Best Buy agent then confirmed the refund amount of {$310.00} and provided a specific case ID ( XXXX ), stating the refund had been successfully submitted. I relied on this confirmation to complete the transaction in good faith. 

Several days later, Best Buy sent an email reversing the refund approval, stating that the item was no longer in stock from the competitor. However, the product was in stock at the time the agent reviewed and approved the price match, and I had already acted on that confirmation. The denial was issued after the refund was promised and after I had completed the purchase per Best Buys instruction. 

I filed a billing dispute with Citibank under the Fair Credit Billing Act ( FCBA ), providing the chat transcript, the order receipt, the refund denial email, and all necessary supporting documentation. Despite this, Citibank denied the dispute without providing any written explanation or justification. 

It appears that Citibank failed to conduct a reasonable investigation as required under 15 U.S.C. 1666. Given the clear evidence of misrepresentation and breach of agreement by the merchant, I believe Citibank may have inappropriately sided with its co-branded partner, Best Buy, rather than acting in good faith to protect me as the cardholder. I am seeking a reversal of the dispute decision and a permanent credit of {$310.00}.

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 2025-07-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I called Wells Fargo customer service in XXXX about 4 late payments. XXXX and XXXX of XXXX, and XXXX and XXXX of XXXX. I was told that the payments were made within the same month of them being due but was still hit will a 30 day and 60 day late payment. Multiple representatives told me to call all 3 credit bureaus to make a dispute about the late payments and then bureaus told me I needed to call Wells Fargo back because they are the ones who reported the payments as late. When I called Wells Fargo back they said that the new credit report will be out the end of XXXX with the updated fixes on your report. Now in XXXX the fixes still have not reflected on my credit report. I also sent two goodwill letters to Wells Fargo in XXXX and still have not gotten my issue resolved. I am looking to have these 4 late payments that are reflecting on my credit removed immediately as it is causes really issues in other important areas of my life. Thank you.

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