vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently discovered a collection account listed on my credit file that I had no knowledge of and did not authorize. This has caused both XXXX XXXX and reputational harm. I am not liable for this debt.

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 2025-07-15 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: KY

Complaint narrative:
Hello, I am writing to formally dispute the accuracy of information on my credit report maintained by your agency, as per the provisions of 15 USC 1681b. Specifically, I believe you have disclosed or obtained my personal information without my written consent.

According to 15 USC 1681b, consumer reporting agencies like yours are mandated to obtain written consent from individuals before disclosing or obtaining their credit information. I assert that I have not provided such consent to your agency or any affiliated parties for the disclosure or retrieval of my personal credit information.

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation into this matter. I kindly request a written response detailing the following : 1. Verification of the consent you claim to have obtained from me regarding the furnishing or obtaining of my credit information.

2. The specific sources from which you obtained my information, including the dates and nature of such disclosures.

3. Any and all documentation related to the alleged consent, including copies of any signed agreements or forms.

Furthermore, I request that you cease any further reporting or disclosure of my personal information until this matter is fully investigated and resolved in accordance with the FCRA.

Please consider this letter as a formal dispute under 15 USC 1681i. I kindly request a written response within 30 days as stipulated by law. If you are unable to verify my consent as requested, I expect that the inaccurate information will be promptly corrected or removed from my credit report. 

Accounts in question : Acc XXXX XXXX Acc XXXX XXXX XXXX XXXX  Thank you for your immediate attention to this matter. I eagerly await your prompt response and resolution of this disput,.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Hello, I am writing to formally dispute the accuracy of information on my credit report maintained by your agency, as per the provisions of 15 USC 1681b. Specifically, I believe you have disclosed or obtained my personal information without my written consent.

According to 15 USC 1681b, consumer reporting agencies like yours are mandated to obtain written consent from individuals before disclosing or obtaining their credit information. I assert that I have not provided such consent to your agency or any affiliated parties for the disclosure or retrieval of my personal credit information.

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request a prompt investigation into this matter. I kindly request a written response detailing the following : 1. Verification of the consent you claim to have obtained from me regarding the furnishing or obtaining of my credit information.

2. The specific sources from which you obtained my information, including the dates and nature of such disclosures.

3. Any and all documentation related to the alleged consent, including copies of any signed agreements or forms.

Furthermore, I request that you cease any further reporting or disclosure of my personal information until this matter is fully investigated and resolved in accordance with the FCRA.

Please consider this letter as a formal dispute under 15 USC 1681i. I kindly request a written response within 30 days as stipulated by law. If you are unable to verify my consent as requested, I expect that the inaccurate information will be promptly corrected or removed from my credit report. 

Accounts in question : Acc XXXX XXXX Acc XXXX XXXX XXXX XXXX  Thank you for your immediate attention to this matter. I eagerly await your prompt response and resolution of this disput,.

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 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One closed my account claiming inactivity, but I had recently redeemed rewards for travel and was actively using the account. I was not notified by email, text, or mail, and I lost {$730.00} worth of points. I contacted support, but they told me nothing could be done. I am requesting reinstatement of my account or the full value of my points. The attached documents demonstrate I was actively using the credit cards points and planning to rent a car with it which was reserved. Not only that but I ordered an additional card for husband to use last month indicating I was CLEARLY going to use the card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: AL

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 TILA US Code 1666B 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 ( FCBA ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
Inaccurate late payments ( XXXX XXXX ) are being reported by XXXX  and Experian for XXXX XXXX  on an auto loan account opened in XX/XX/year>. This reporting is impossible. XXXX  correctly shows the account as OK during the same period. I made timely payments and never received any delinquency notice from the creditor. 

The loan was opened on XX/XX/year> ( Experian/XXXX  ) and XX/XX/year> ( XXXX  ), so there could not have been a XXXX delinquency reported in those same months. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681i and 1681s-2, which require that information reported be accurate and verifiable. 

I am requesting that the inaccurate late payments be immediately removed from my credit file with XXXX  and Experian, and that written confirmation of this correction be provided. Continued reporting of this false information may result in formal legal action.

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 2025-07-15 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: NV

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. XXXX681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-15 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 have an auto loan with XXXX XXXX for a XXXX XXXX XXXX XXXX. The total financed amount was {$32000.00}, with a XXXX XXXX interest rate and a fixed loan term of XXXX XXXX. 

At the time of signing the loan, I specifically asked for a shorter XXXX term, but was told that XXXX only XXXX a XXXX term. I was also told directly both by the dealer and XXXX representatives that I could pay extra each month and that any overpayments would go directly to principal, which would help me pay off the loan faster and save on interest. 

Since the beginning of the loan ( XX/XX/XXXX ), I have been consistently paying {$750.00} per month, even though my required payment is only {$590.00}. I contacted XXXX in writing ( multiple times ) and formally requested that all extra payments be applied exclusively to the principal balance, not toward interest or future installments. Their responses were vague and did not clearly confirm that this would happen. 

Despite always paying on time or early, I have now paid a total of {$8200.00} over XXXX XXXX, but only {$4900.00} has been applied to principal. Over {$3300.00} was applied to interest and other charges which is nearly double what I should have paid based on a XXXX XXXX APR. This clearly violates what I was promised when the loan was signed. 

I followed up again after noticing this discrepancy, but my complaint was ignored and my support ticket was closed. I feel misled and financially harmed. 

I am requesting the following : A full review and correction of my payment history Reallocation of my overpayments toward principal A corrected loan balance Written confirmation that all future overpayments will go to principal only, as promised

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have some unfortunate news. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am seeking guidance, please. I seek the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). As an individual impacted by identity theft, I am entitled to request the removal of any fraudulent information from my credit reports, thank you. This regulation mandates that credit reporting agencies swiftly remove any data that stems from identity theft upon receiving the necessary notification. Kindly ensure deletion occurs within fourbusinessdays.

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 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute an unauthorized account currently listed on my credit report. The account was opened without my knowledge or permission, and I am not responsible for any activity or balance associated with it. 

The account in question is : XXXX XXXX, XXXX. 
Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$14000.00} This account was fraudulently opened using my personal information. I have not applied for or authorized any credit with XXXX XXXX, and I request that this account be removed from my credit report immediately. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or fraudulent information, and I ask that you take all appropriate steps to investigate and delete this account from my file. Please confirm in writing once this has been resolved.

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 2025-07-15 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: CA

Complaint narrative:
In XXXX, XXXX, and XXXX, I discovered several fraudulent credit card accounts on my credit reports. These included multiple unauthorized accounts from : XXXX  XXXX XXXX ( 3 accounts ) XXXX XXXX  ( 2 accounts ending in XXXX ) These accounts were disputed and removed after being identified as products of identity theft. However, in XX/XX/XXXX, they were reinserted into my credit report without proper legal notice or written communication. 

Under FCRA 1681i ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts previously deleted information, they must : Notify the consumer in writing within five business days, and Disclose the name, address, and phone number of the furnisher who certified the reinsertion.

I received no such notice and was not provided with the identity of any furnisher, in direct violation of the law. Furthermore, the reinserted accounts were tied to identity theft, including fraudulent addresses and phone numbers ( e.g., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX and phone number XXXX ), which further confirms these were not authorized accounts. 



What laws were violated? 
FCRA 1681i ( a ) ( 5 ) ( B ) : Failure to notify the consumer and disclose furnisher information after reinsertion of deleted data.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know to be false or previously disputed.

FCRA 1681c-2 : Requires blocking of identity theft-related data upon submission of an FTC Identity Theft Report.

FCRA 1681n and 1681o : Provides for damages in cases of willful or negligent noncompliance.

What would be a fair resolution?

1. Permanently delete all fraudulent accounts from XXXX  XXXX XXXX and XXXX XXXX from my credit reports at all credit bureaus. 
2. Provide a written explanation including : The dates of reinsertion ; Whether the accounts were certified by a furnisher ; The name, address, and phone number of each furnisher, as required under FCRA 1681i ( a ) ( 5 ) ( B ).

3. Correct my credit profile and score, removing all derogatory effects from these fraudulent reinsertions and associated false personal information ( address and phone number ).

4. Provide written assurance that these accounts and personal identifiers will not be re-reported unless fully certified and legally validated under FCRA 1681c-2.

5. If it is determined that the reinsertion was done willfully or negligently, I request that the CFPB pursue appropriate enforcement or statutory damages under FCRA
1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX, XXXX, and XXXX, I discovered several fraudulent credit card accounts on my credit reports. These included multiple unauthorized accounts from : XXXX  XXXX XXXX ( 3 accounts ) XXXX XXXX  ( 2 accounts ending in XXXX ) These accounts were disputed and removed after being identified as products of identity theft. However, in XX/XX/XXXX, they were reinserted into my credit report without proper legal notice or written communication. 

Under FCRA 1681i ( a ) ( 5 ) ( B ), if a credit reporting agency reinserts previously deleted information, they must : Notify the consumer in writing within five business days, and Disclose the name, address, and phone number of the furnisher who certified the reinsertion.

I received no such notice and was not provided with the identity of any furnisher, in direct violation of the law. Furthermore, the reinserted accounts were tied to identity theft, including fraudulent addresses and phone numbers ( e.g., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX and phone number XXXX ), which further confirms these were not authorized accounts. 



What laws were violated? 
FCRA 1681i ( a ) ( 5 ) ( B ) : Failure to notify the consumer and disclose furnisher information after reinsertion of deleted data.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know to be false or previously disputed.

FCRA 1681c-2 : Requires blocking of identity theft-related data upon submission of an FTC Identity Theft Report.

FCRA 1681n and 1681o : Provides for damages in cases of willful or negligent noncompliance.

What would be a fair resolution?

1. Permanently delete all fraudulent accounts from XXXX  XXXX XXXX and XXXX XXXX from my credit reports at all credit bureaus. 
2. Provide a written explanation including : The dates of reinsertion ; Whether the accounts were certified by a furnisher ; The name, address, and phone number of each furnisher, as required under FCRA 1681i ( a ) ( 5 ) ( B ).

3. Correct my credit profile and score, removing all derogatory effects from these fraudulent reinsertions and associated false personal information ( address and phone number ).

4. Provide written assurance that these accounts and personal identifiers will not be re-reported unless fully certified and legally validated under FCRA 1681c-2.

5. If it is determined that the reinsertion was done willfully or negligently, I request that the CFPB pursue appropriate enforcement or statutory damages under FCRA
1681n and 1681o.

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 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this formal complaint under FCRA XXXX ( 15 U.S.C. XXXX ) requesting that TransUnion immediately block and permanently remove multiple fraudulent accounts, including a XXXX XXXX XXXX XXXX credit card ( XXXX XXXX XXXX ) reported on XX/XX/XXXX with a balance of {$6300.00} * *, a XXXX XXXX XXXX Bank credit card ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported on XX/XX/XXXX with a balance of {$4400.00} * *, a XXXX XXXX XXXX XXXX unsecured loan ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported on XX/XX/XXXX with a balance of {$3700.00} * *, and a XXXX & XXXX XXXX account ( XXXX ) reported on XX/XX/XXXX with a balance of {$1400.00} * * that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. 
I am filing this FTC Identity Theft Affidavit to report XXXX fraudulent accounts appearing on my consumer FICO TransUnion credit report which I do not recognize and which are the result of identity theft and fraud. These accounts include a credit card from XXXX XXXX opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$6300.00}, a credit card from XXXX opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$4400.00}, an unsecured loan from XXXX XXXX opened on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$3700.00}, and a collection account from XXXX XXXX opened on XX/XX/XXXX under account number XXXX with a balance of {$1400.00}. These accounts have caused fraudulent inquiries and collections to appear on my report. I demand their immediate removal from all credit reports and a cease to any related collection activity under the FCRA and FDCPA. 
It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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