vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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: NJ

Complaint narrative:
Subject : Dispute of Account / Request for Debt Validation To whom it may consern I am writing to dispute the validity of the debt referenced above. I recently obtained a copy of my credit report which shows an open balance of XXXX {$2700.00} owed to XXXX XXXX XXXX I do not recognize this debt ( or I believe the debt or the amount is incorrect ) and therefore I am requesting validation under the Fair Debt Collection Practices Act ( FDCPA ). 
Please provide the following documentation so I can verify whether this debt is valid and whether I am legally obligated to pay : 1. The name and contact information of the original creditor.

2. A copy of the original contract or agreement bearing my signature, showing I agreed to this debt.

3. A detailed, itemized accounting of the amount claimed, including principal balance, interest, fees, and any other charges.

4. A full payment history showing the balance owed and any payments made.

5. Proof that you ( or your agency ) are legally authorized to collect this debt from me.

Until you provide the requested validation, I request that you cease all collection activities, including reporting this debt to any credit reporting agencies. 
If you can not validate this debt, or fail to respond in a timely manner, I demand that you remove this entry from my credit report and confirm that in writing. 
Thank you for your prompt attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: HI

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

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 2025-12-03 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: HI

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: CO

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 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 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Like many people, I receive credit card offers in the mail. I had a credit card that had an inconvenient available balance. I decided to take advantage of XXXX different 0 % offers from XXXX and Capital One, thinking I could pay the entire balance off more quickly, between the 0 % balance and the lower balance on each card, compared with one big, balance. One of the cards didn't arrive, so I had to call to have them resend it, which caused me to wait to start the transfer on the Capital One card. I didn't know that there was an expiration date for the 0 % offer that would hit within the time it took for both cards to arrive and find out what the minimum balance would be. When both cards finally arrived, I went to take advantage of the balance transfers. I didn't have any problem with my XXXX and began transferring XXXX of my XXXX XXXX balance, as planned. When I called to begin the transfer to the Capital One card, I was surprised when they said there was no 0 % offer available because the card I took out was in response to a 0 % offer. I was also surprised to find out they would be applying a 24 % interest rate. I decided to cancel the transfer but they refused to cancel it. Instead, I had to call XXXX XXXX who said they couldn't do anything. I ended up having to call XXXX and do a second balance transfer, hoping both transfers would hit my XXXX card before the Capital One card would begin. It is my debt, that effects my credit. It is gross that, capital one would. I also found out Capital would'XXXX let me transfer that portion to XXXX because they sometimes use each other for third party transfers which conveniently isn't advertised. It is basically a manipulative bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: NV

Complaint narrative:
Westlake Financial is refusing to provide location of repossessed vehicle and withholding personal property My boyfriend is the primary on the loan and is currently incarcerated. I have full access to the account and provided Westlake Financial with an authorization letter signed by him so that I can act as his agent for retrieving personal property from the repossessed vehicle. 

The vehicle was repossessed on XX/XX/XXXX. I have repeatedly contacted Westlake to request the name, phone number, and address of the repossession company/impound lot that is holding the personal property inside the vehicle. Westlake has given me incorrect or non-working phone numbers, refused to provide the location of the vehicle, claimed they can not speak to me even though the authorization is already on file, and multiple representatives have hung up on me when I requested to speak to a supervisor. 

Westlake is withholding thousands of dollars worth of personal property, including work tools and clothing, which they have no legal right to keep. I have made multiple attempts to retrieve these items, and the company is obstructing access to the property by refusing to provide accurate information and directing me to disconnected numbers. 

I am requesting immediate assistance in obtaining : 1. The name, address, and phone number of the repossession agency or storage facility currently holding the vehicle. 
2. Access to retrieve the personal property inside the vehicle. 

Their refusal to give me this information has caused significant hardship, and I believe they are violating regulations regarding consumer access to personal property after repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
To Whom It May Concern. This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 
Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law. 
Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within four ( 4 ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XXXX XXXX XXXX  - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, EQUIFAX continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-12-03 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information on my Experian credit report, which I believe is inaccurate or incomplete : Charged-Off Accounts XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} XXXX XXXX XXXXXXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} Bankruptcy Case Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late Payments XXXX XXXX XXXX Account Number 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 2025-12-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
b'I opened XXXX accounts with Marcus by Goldman and Sachs, I funded them from a XXXX XXXX account that I closed immediately after. I tried transferring some of my money into a XXXX  account and some went and most was declined. I tried transferring some into my XXXX  account and was declined, multiple times. They took issue with the funding accounts and that they were closed. I did a three way call with myself, Marcus and XXXX XXXX for them to verify that the accounts were closed two separate times. I requested a transfer of $XXXX  that came from my XXXX  account to them and that actually went through. XXXX XXXX XXXX  opened accounts, XXXX linked XXXX XXXX and Marcus received first deposits, XXXX linked XXXX XXXX XXXX tried to transfer funds out - XXXX  amounts around XXXX  each - Declined, XXXX tried to transfer XXXX - Declined, XXXX tried to empty accounts XXXX XXXX Declined, XXXX Tried to transfer XXXX XXXX Declined. \nI have had XXXX calls with them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nEvery time I get a different person, I have to get transferred to the security department. They look at my file, they "open a case" and nothing can happen until the case is closed they say. Cases have been closed, I\'ve done everything they have asked, I have verified everything more than once and the last two times I have called they said they don\'t see anything about why I still haven\'t gotten my money. They closed my account on XXXX and locked me out of seeing any account info online but still keep my money. \nIn total I have XXXX that they have been withholding from me for XXXX XXXX  months now.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian Reporting Inaccurate Late Payment for XXXX Account, FCRA Violations I am filing a complaint against Experian for reporting an inaccurate late payment on my XXXX account. The information being furnished is incorrect, unverifiable, and incomplete, which violates the Fair Credit Reporting Act ( FCRA ) 602 ( a ) and 611.

Experian is reporting a late payment that I do not owe. I contacted Experian and submitted a formal dispute requesting verification of the alleged late payment. Experian responded by stating the item was verified, but did not provide any documentation or method of verification, which is required under FCRA 611 ( a ) ( 7 ). 
XXXX has not supplied any supporting documentation to validate this late payment, nor has Experian shown proof of the data source used to verify it. This means the information is not being verified according to FCRA standards. 
The continued reporting of this inaccurate information is causing harm to my credit.

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 2025-12-03 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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 youhave 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.

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 2025-12-03 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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 youhave 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: OR

Complaint narrative:
I am submitting this complaint as a consumer seeking accurate and verified reporting across all credit bureaus. The accounts listed below appear to be inaccurate, unverifiable, or reported in error. I am requesting a formal investigation and verification under the Fair Credit Reporting Act ( FCRA ) Sections 602 and 611, as well as permanent removal of any information that can not be fully verified as accurate and current. 

Previous Addresses Listed : XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX Charged Off Accounts XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$8500.00} XXXX  XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$4100.00} XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$0.00} Dispute Reason : These charged-off accounts may be inaccurate or unverified. Please validate the debt in full compliance with FCRA and remove if unverifiable. 

Inquiries XXXX XX/XX/XXXX Dispute Reason : I do not recall authorizing this inquiry. Please verify permissible purpose or delete. 

Late Payments XXXX XXXX  Account # XXXX Dispute Reason : Please verify the accuracy of any reported delinquencies. If no proof can be provided, please update to Current/On Time.

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