vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
Self Financial/Lead Bank is reporting a late payment that is inaccurate. The account was paid on time and is now closed with a {$0.00} balance. I disputed this with XXXX, but they did not correct it. I requested verification and correction from the company, but they have not fixed the inaccurate late payment. I am requesting CFPB assistance to have the incorrect late payment removed and the account updated to show paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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:
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 2025-11-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and have a police report or FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WESTERN ALLIANCE BANCORPORATION
State: MT

Complaint narrative:
I am filing a complaint regarding undisclosed fees, improper account charges, and repeated failure by XXXX XXXX XXXX to respond or resolve the issue despite multiple attempts over several years. 

Approximately XXXX years ago, I opened an account with XXXX XXXX XXXX solely to maintain a line of credit. At the time of opening, my banker did not inform me that the account would incur fees for receiving mailed statements or that the account required a {$2500.00} minimum balance to avoid monthly charges. 

When I later learned that my balance had fallen below the required minimum, I immediately deposited the necessary funds ( including an additional {$20.00} ) to bring the account back above the threshold. However, the bank continued charging fees, ultimately totaling over {$1500.00}. These fees were never clearly disclosed to me at account opening. 

Over the past XXXX years, I have met with three branch managers and two additional bank representatives, and I have spoken with staff at two different branches. Except for one individual, each person told me they would investigate the issue and follow up. Instead, they stopped responding to my emails and phone calls. My attempts to communicate and resolve the issue have consistently gone unanswered. 

Most recently, XXXX XXXX XXXX offered to refund only {$160.00}, which does not reflect the total amount of improper fees assessed or the length of time the issue has remained unresolved. I was told because they can't access the statements past a year they can't provide an additional refund. 

I also requested the steps needed to file a complaint with the bank directly, and have not received this information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-19 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: LA

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 2025-11-19 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: IL

Complaint narrative:
XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX il XXXX ] [ Phone Number ] [ XXXX ] XX/XX/year> Re : Request for Identity Theft Block Under FCRA 605B To Whom It May Concern, I am submitting a formal request to block fraudulent information from my credit file under the Fair Credit Reporting Act ( FCRA ) 605B. I am a victim of identity theft, and the following accounts do not belong to me : XXXX XXXX ( XXXX XXXX ) Account ending in XXXX Fraudulent account opened without authorization. 

These accounts were created and/or used without my knowledge or consent. 

Included with this letter are the documents required for an identity theft block : FTC Identity Theft Report Government-issued photo ID Proof of current address A list of fraudulent accounts as identified above Under FCRA 605B, you are required to : 1. Block the fraudulent information within four ( 4 ) business days of receiving my identity theft documentation, and 2. Provide written confirmation that these items have been blocked or removed from all versions of my credit file. 

Please complete this process promptly and confirm once the block has been applied. 

Thank you for your assistance. 

Sincerely, [ XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: GA

Complaint narrative:
There has been fraudulent hard inquires made to my consumer report, there unauthorized charges made to my account

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/year> at XXXX I deposited my payroll check from my company of employment from fifth thirds online app. 

On XX/XX/year> fifth third bank locked my account and denied me all access to my current funds and the pending payroll deposit. 

XX/XX/year> Fifth third fraud departed requested supporting documentation be sent to them to verify my check. 

XX/XX/year> at XXXX I visited a local branch in XXXX Indiana XXXX To submit my paystub attached to the check I had deposited the day prior. 

XX/XX/year> I was told 2-3 business days would go by before I could access my account. 

XX/XX/year> I called the fraud department for an update and they told me to call again tomorrow. 

XX/XX/year> I called multiple times and was told no information was available and to call again tomorrow. 

XX/XX/year> I called multiple times again and they stated the review is complete and they are waiting on approval and they will call me tomorrow morning. 

XX/XX/year> I called my local branch again and they said if they dont give me information by XX/XX/year> XXXX they will attempt to intervene. 

Its been over a week and Ive lost out on my deposit and the money I had left in the account and have been completely left in the dark even after submitting the additional documentation they said would expedite the process. 

Their call center is all foreign and they reread the same script to me every time I call. 

Im becoming delinquent on bills and can barely afford to buy gas to go to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I want to make it very clear that I never authorized this inquiry. On the date in question, I did not have any communication with the lender, and I did not request that they check my credit. Because this was done without my consent, I respectfully ask for this inquiry to be removed from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I requested Transunion to investigate a bankruptcy info that's currently being reported on my credit report. Transunion said that the info is being reported accurately however upon my own investigation that bankruptcy is being reported with a fraudulent address using my name and personal information. I am a victim of identity theft I have lived in two places in the last 10yrs and never on a street called XXXX. My report states that this XXXX was filled on XX/XX/year> using my credit info but with a fraudulent address, I lived at XXXX separate addresses in the last 10yrs and neither one was on XXXX XXXX XXXX XXXX XXXX I'm not understanding how an investigation is being conducted and verified using false/fraudulent information and why TransUnion refuse to conduct thorough investigations especially when all the information isn't aligned.

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 2025-11-19 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: MI

Complaint narrative:
On XX/XX/XXXX I went to the dealership to try and finance a vehicle. I was told that the repossession from XX/XX/XXXX is showing negative on my credit report. This was a voluntary repossession that was given back to credit acceptance on XX/XX/XXXX. I have also filed bankruptcy since then and reached out to the company letting them know that I have done so. When I him to speak to a XXXX and their bankruptcy department they refused to let me speak to either. I also asked for debt verification letter, they also refused. I have disputed this with the XXXX credit bureaus and asked for documentation to submit from credit acceptance. They also refused. Also never received a callback from a XXXX as I was told I would.

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 2025-11-19 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX -- {$45.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX -- Balance : {$1400.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Denefits LLC
State: TX

Complaint narrative:
I am disputing a debt and reporting coercive, threatening, and deceptive collection practices. The collector refused my reasonable payment offer of {$25.00} per month and demanded either {$1000.00} immediately or {$500.00} per month for 24 months. They repeatedly pressured me with false deadlines, ultimatums ( or else ), and refused to negotiate based on my financial ability. 

They threatened to commence legal proceedings, stated that evidence would be tendered in court, and threatened 7 years of negative credit reporting. I was told they would escalate the matter, mark me as refusing to pay, and take legal action if I did not comply. These threats were used to force same-day payments. 

I requested debt validation, a copy of the contract, and an itemized balance, but they did not provide this. Instead, they continued pressuring me for money through texts. 

I signed the original contract during a manic episode related to XXXX XXXX and attempted to cancel on day four. The collector ignored this dispute and continued aggressive collection tactics. 

Their actions violate the FDCPA : harassment ( 1692d ), false threats of legal action ( 1692e ), and unfair/coercive practices ( 1692f ). I am requesting CFPB review and enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: ME

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: AL

Complaint narrative:
I am filing this complaint because Westlake has stopped providing me access to my loan/ lease balance and payoff information. Before I made a {$4000.00} payment on XX/XX/year>, the Westlake app showed my remaining balance. Shortly after the payment, the app was changed so that I can no longer see my balance at all unless I request it by email. i have also made another large payment towards my car {$2000.00} XX/XX/year> and the app shows a different date and keeps changing to current dates thast isnt the original date the payment was made which i also cant even see how the last payments i made were even applied. 
I have repeatedly tried to request my payoff amount and updated balance, but Westlake will not provide it. The automated phone system tells me it " can not give a payoff quote right now ' and then hangs up. This prevents me from knowing my correct balance and verifying that my recent payment was applied properly. 
This lack of transparency feels intentional and is preventing me from managing my account. I am requesting that Westlake provide my current balance, a detailed statement showing how my recent payments were applied, an accurate payoff quote with all of the fees needed to pay left, and also i want an automatic update on my total balance every payment made in the future moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my 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
Consumer complaint received 2025-11-19 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX -- {$45.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXXXXXX -- Balance : {$1400.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
Upon reviewing my XXXX  consumer disclosure, I identified certain inquiries that were not authorized by me and do not meet the permissible purpose standards under FCRA 604 ( a ).

The disputed inquiries are : XXXX XXXX Inquiry dated XX/XX/XXXX XXXX XXXX XXXX  Inquiry dated XX/XX/XXXX XXXX  XXXX VIA DEALER Inquiry dated XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry dated XX/XX/XXXX according to the FCRA 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These inquiries were not made by me and are indeed inaccurate and fraudulent. I am writing this pursuant of the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. If you do not have any documentation in your files to verify the accuracy of the disputed inquiries, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing it to 3rd parties you are damaging my reputation and creditworthiness. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the inquiries that you are reporting in my credit report. Please dont respond to my request by saying that these inquiries have been verified

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: PA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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