vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 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: IL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: IL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-12-10 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: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent reporting by Experian and TransUnion concerning XXXX accounts appearing on my credit file : XXXX ( Account XXXX XXXXXXXX ) and XXXX XXXX ( Account XXXX XXXXXXXX ). For the XXXX account XXXX Experian reports a Date of Last Activity of XX/XX/XXXX, Date Reported of XX/XX/XXXX, and Date Opened of XX/XX/XXXX, while TransUnion lists a Date of Last Activity of XX/XX/XXXX, Date Reported of XX/XX/XXXX, and Date Opened of XX/XX/XXXX, resulting in conflicting dates for the same account despite both bureaus showing a balance of {$0.00}. The XXXX XXXX account shows similar discrepancies : Experian reports a Date of Last Activity of XX/XX/XXXX and a Date Reported of XX/XX/XXXX, while TransUnion lists a Date of Last Activity of XX/XX/XXXX with the same reporting date, even though both bureaus list XXXX, XXXX, and XXXX late payments and a balance of {$1200.00}. These inconsistencies violate the accuracy and investigation standards outlined under FCRA 611 ( 15 U.S.C. 1681i ), FCRA 623 ( a ) ( 2 ), and FCRA 623 ( b ), as well as my right to proper correction of billing-related information under 15 U.S. Code 1666 and the creditors restrictions during disputes under 1666a. The mismatched dates create an incorrect timeline of events, negatively affecting the reliability of my credit history, and it is evident that the furnishers and the bureaus have failed to properly verify, update, and maintain consistent information as mandated by the Fair Credit Reporting Act.

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 2025-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I reached out to my bank to dispute a transaction regarding auto repairs that were not authorized. I suspect the repairs were never made. The shop that I took my car to had permission to replace the water pump in my car. I was told it would cost a little under {$900.00}. I didnt hear from the shop owner for a few days and tried unsuccessfully to reach him. When I finally heard back from him, it was after I visited the shop and saw the engine in my car had been completely taken apart. I asked him why he wasnt keeping in touch. He completely ignored me and told me that the problem with my car was something else and that he was waiting on parts. I asked him why didnt he call to tell me that and why did he order parts without my permission. I was upset about the condition of my car, so I told the owner I was coming to pick it up the next day. He said that was fine. When I got there, he told me the cost which was almost twice what I gave him permission to repair. After I took the car home, less than XXXX hours later, the engine light came on. I checked under the hood and it was obvious that no work was ever done. I made my bank aware of this when I filled a dispute off the charges and provided copies of the emails I sent to the owner BEFORE I filed the dispute. Today I received a letter from my bank indicating that the owner of the shop said I agreed to pay and my dispute was declined. Im livid! I have to provide infinite documentation, but a sheisty mechanic can just tell MY bank that I agreed to everything and its cool? Im NOT repaying the provisional credit my bank issued. They can work with the fraudulent mechanic to get paid. My bank is M & T.

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 monetary relief
Consumer complaint received 2025-12-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no public records tied to my credit file, and these entries are unacceptable. Please remove them immediately, as they are causing me significant XXXX  and distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am submitting to formally request the removal of all dispute notations associated with certain accounts on my credit report and for their status to be updated accordingly. These dispute remarks are no longer valid, as I am no longer contesting the accuracy or validity of the accounts listed below : XXXX XXXXXXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00}. These accounts were previously marked as in dispute or contained notations such as consumer disputes this account. I am no longer disputing these accounts and request that all dispute remarks, codes, or comments be fully removed from my credit file. Because I am no longer disputing these accounts, any dispute notation is now inaccurate and outdated. Continued reporting of such comments violates the accuracy and fairness requirements outlined above.

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 2025-12-10 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: IL

Complaint narrative:
I am submitting to formally request the removal of all dispute notations associated with certain accounts on my credit report and for their status to be updated accordingly. These dispute remarks are no longer valid, as I am no longer contesting the accuracy or validity of the accounts listed below : XXXX XXXXXXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00}. These accounts were previously marked as in dispute or contained notations such as consumer disputes this account. I am no longer disputing these accounts and request that all dispute remarks, codes, or comments be fully removed from my credit file. Because I am no longer disputing these accounts, any dispute notation is now inaccurate and outdated. Continued reporting of such comments violates the accuracy and fairness requirements outlined above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 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: NY

Complaint narrative:
Although this account has been fully paid, it is still showing late payment remarks that should not be there.

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 2025-12-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I was told that a payment I made XX/XX/XXXX for {$100.00} was returned. I was not aware this happened and do not know why because there were funds in the account. I then made payments on XX/XX/XXXX for {$250.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$300.00} XX/XX/XXXX {$1000.00} XXXX then went to make a purchase on my card on XX/XX/XXXX but it wouldnt go through even though my balance was much smaller than my credit limit. When I called Target services on XX/XX/XXXX they said because of the returned payment and the fact i made multiple payments in a cycle, they now process my payments but dont make the credit available. When I asked how long they hold it, they couldnt tell me the number of the days but that the system does it. My payment from the XXXX and after still hasnt been made available. When i asked how long this will go on for, they said if you make a payment in XXXX, it will be processed without the hold. I made a payment of {$500.00} on XX/XX/XXXX and they have again held it. I was lied to by the agent and i called target services today XX/XX/XXXX and they said they cant do anything. They cant tell me how long they hold each payment, they cant tell me how long they will keep doing this. I have not previously had a payment returned. I want to use my card to buy XXXX gifts which you save 5 % using the card, I dont get that savings now. And this is completely deceptive. I would not have made the payment on the XXXX of the agent hasnt told me that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I previously submitted a written dispute to BLOOMINGDALES/CITIBANK dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. 
Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), BLOOMINGDALES/CITIBANK has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since BLOOMINGDALES/CITIBANK did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. 
This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure BLOOMINGDALES/CITIBANKs immediate compliance with FCRA requirements. 

BLOOMINGDALES/CITIBANK 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 2025-12-10 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: PA

Complaint narrative:
I entered what was presented to me as a retail furniture purchase with a cash price of {$940.00} plus tax. I have paid {$970.00}. I was not clearly informed that this transaction would automatically convert into a long-term lease that more than doubles the cost of the merchandise.

Koalafi now claims my obligation escalated to a Total Cost of Ownership of {$2000.00} due to a 12-month lease structure that was triggered because I did not manually initiate additional payments within 90 days. This requirement was never clearly disclosed in plain language at the time of sale. Koalafi later admitted the store may not have properly explained this process.

The 90-day early purchase amount was {$1000.00} plus a {$25.00} fee. I paid {$970.00}, putting me within {$52.00} of the early purchase payoff, yet instead of working in good faith to resolve that small difference, Koalafi escalated my account into a $ XXXX lease obligation. 

Koalafi is now attempting to enforce : A {$1100.00} Cost of Lease Services A {$2000.00} Total Cost of Ownership A remaining claimed balance of {$1000.00} These charges are based on buried contract mechanics, silent system automation, and post-delivery payment setup requirements that were never meaningfully disclosed. A consumer can not give informed consent to financial consequences that were never clearly explained.

This structure is misleading, predatory, and unconscionable. I am actively disputing the balance and have demanded that my account be corrected to reflect a completed retail purchase, not an inflated lease. I have also formally notified Koalafi that negative credit reporting during this active dispute would be improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
am filing this complaint because XXXX, along with LVNV Funding LLC and XXXX XXXX XXXX XXXX, are continuing to report derogatory accounts that are legally required to be blocked, removed, or corrected based on my identity theft filings and documented FCRA protections. 

XXXX. LVNV Funding LLC is reporting a collection account that should NOT be on my Equifax report at all. 
The account shows : Original balance : {$1000.00} Date assigned : XX/XX/year> Agency : LVNV Funding LLC This account was the result of identity theft. I have already submitted a valid police report and identity theft documentation to the credit bureaus. Under FCRA 605B, once a consumer provides an identity theft report, the bureau must block the reporting of that information within 4 business days. Equifax has failed to do this. 

Equifax is knowingly continuing to publish inaccurate and fraudulent data, violating : FCRA 605B failure to block FCRA 602A failure to maintain reasonable procedures to ensure maximum possible accuracy FCRA 623 ( a ) ( 1 ) LVNV furnishing information it knows or should know is inaccurate 2. Digital Federal Credit Union ( DCU ) is still being reported to Equifax as an active charge-off even after identity theft filings and reinvestigation requests. 
Equifax is showing the XXXX XXXX charge-off with a balance of {$13000.00}, credit limit {$15000.00}, and a utilization of XXXX percent. 
This item is being artificially kept alive and updated even though : XXXX was notified the account resulted from identity theft A police report and affidavit were submitted Equifax was legally obligated to block or remove the account under FCRA 605B The DOFD was not properly established or verified, violating FCRA 623 ( a ) ( 5 ) Instead of removing the fraudulent account, XXXX  continues to update it, which is illegal. 


XXXX. XXXX  has failed to conduct a lawful reinvestigation under FCRA 611.

I submitted proper identity theft documentation. XXXX  : Did not block the information Did not provide verification Did not remove unverifiable data Continued publishing the accounts This violates : FCRA 611 ( a ) ( 1 ) failure to conduct a reinvestigation FCRA 611 ( a ) ( 2 ) failure to notify furnishers FCRA 611 ( a ) ( 5 ) failure to delete disputed information that can not be verified XXXX. XXXX  is extending the life of these derogatory items beyond what federal law permits. 
If the XXXX was not properly reported or verified, the bureau can not guess, repeat, or extend the timeline. That is illegal under : FCRA 623 ( a ) ( 5 ) FCRA 605 ( a ) XXXX reporting limit The FTC XXXX XXXX Letters ( XXXX, XXXX ) that prohibit re-aging or extending credit reporting periods This is exactly what is happening with these accounts

Company response to consumer: Closed with explanation