vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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 am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Transunion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts fromXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite having received all required documents, Transunion has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being

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 2025-09-19 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: TX

Complaint narrative:
Please remove the disputed accounts within 15 days as mandated by 15 U.S. Code 1681g.

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 2025-09-19 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: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: PA

Complaint narrative:
I am submitting this complaint to request a credit freeze ( security freeze ) with all three major credit reporting agencies. 
I want to prevent any unauthorized access to my credit file and protect myself from potential identity theft or fraudulent activity. 

Despite my attempts to contact the credit reporting agencies, I have encountered obstacles and have not been able to successfully initiate a credit freeze. 
I am concerned that without this freeze, my personal credit information remains vulnerable to misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: NJ

Complaint narrative:
I am submitting this complaint to request a credit freeze ( security freeze ) with all three major credit reporting agencies. 
I want to prevent any unauthorized access to my credit file and protect myself from potential identity theft or fraudulent activity. 

Despite my attempts to contact the credit reporting agencies, I have encountered obstacles and have not been able to successfully initiate a credit freeze. 
I am concerned that without this freeze, my personal credit information remains vulnerable to misuse.

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 2025-09-19 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:
Summary of the issue On XX/XX/XXXX, Westlake Financial processed two payments against my auto loan account : XXXX for {$460.00} ( allegedly by phone at XXXXXXXX XXXX XXXX. 

XXXX for {$500.00} ( my online payment at XXXXXXXX XXXX, including a {$5.00} fee ). 


I only authorized the evening {$500.00} payment. The earlier {$460.00} debit came from my wifes account without her authorization. This was a duplicate payment that should be refunded directly back to her original funding account. 


-- - Companys XXXX  response contains false statements XXXX responded to my XXXX  complaint but made misrepresentations that I can disprove : XXXX. False claim of a XXXX XXXX  call/authorization. 

They state a payment was made over the phone with an agent.

I have phone logs proving I did not call Westlake at XXXX XXXX  on XX/XX/XXXX. 

My wife never authorized this debit either. If Westlake insists this was authorized, they should produce the call recording or signed authorization tied to confirmation # XXXX. 



XXXX. False statement about same amount. 

Westlake claimed both payments were the same amount.

In reality, the morning debit was {$460.00}, and the evening debit was {$500.00}.

Their misstatement suggests they did not conduct a thorough review or deliberately blurred the facts. 



XXXX. Escalation denial mischaracterized. 

Their response claims I was disconnected while being transferred. 

In fact, the agent told me supervisors werent taking calls, then said if no supervisor answered within XXXX minutes he would release the call. He then hung up on me. This is a denial of reasonable escalation, not a dropped call. 



XXXX. Misleading past due threat. 

They wrote that refunding the duplicate payment would put my account 7 days past due and trigger late charges. 

That is false. The {$500.00} payment alone keeps my account current until XX/XX/XXXX. Refunding the unauthorized {$460.00} debit should not create delinquency. 





-- - Harm Westlake has withheld {$460.00} that should be returned to my wifes account.

They offered only an electronic debit card refund, which is not equivalent to a reversal and would impose fees to access our own money. 

Their response to the XXXX  contained factually incorrect statements, which makes it impossible to resolve this in good faith. 



-- -

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: NC

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 2025-09-19 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: NC

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
I am disputing multiple collection accounts that are being reported inaccurately and without proper validation. The accounts currently appearing on my credit profile are : XXXX XXXX XXXX XXXX {$400.00} Portfolio Recovery {$610.00} LVNV Funding LLC {$850.00} LVNV Funding LLC {$1300.00} XXXX XXXX XXXX XXXX {$1900.00} Timeline and actions taken : I disputed these accounts directly with the credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I also requested validation directly from the debt XXXXollectors as allowed under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ).

In response, the collectors sent me paperwork that contained no signed agreements, no acknowledgment of liability by me, and no competent evidence from the original creditor. These are not proper validation documents. 
Why this is a violation : The FDCPA requires collectors to cease collection until they provide proper validation. They have not.

The Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ) requires furnishers to conduct a reasonable investigation when a consumer disputes an account. Courts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) have made clear that simply checking internal records is not enough. Yet the furnishers have done exactly that. 

These debts remain disputed, unverified, and unverifiable. Reporting them to the credit bureaus in this state constitutes willful noncompliance with federal law. 
Requested resolution : Immediate deletion of these accounts from all credit bureaus ( XXXX XXXX XXXX XXXX ).

Written confirmation that the accounts have been permanently removed.

Assurance that no further unverified or inaccurate information will be furnished to consumer reporting agenci
es.

If these accounts are not removed, I will continue to escalate this matter, as the collectors and furnishers have failed to comply with both FDCPA and FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a credit account with the number ending in XXXX at Capital One on XX/XX/XXXX. Capital One closed my credit account on XX/XX/XXXX without any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
USAA canceled my auto policy and havent given me proper notice and when I called to see why my vehicle wasnt covered they never gave me a answer and I said I would make payments and they said thats fine and I have then I got into a accident and called it in like your suppose to but they said I dont have a policy and they said they mailed it to me but I never received it. They never gave me any notice that anything was wrong until I already was in the accident if I knew I wasnt covered I wouldnt be driving and I have a XXXX balance on my account I ask if they can look into and see if I can be covered but they said they wouldnt cover me any more and they canceled my account effective immediately on the day of the accident and when I called they was sending me to different departments and they said they wasnt authorized to share any information I really feel like I been dealt with wrongly and wasnt properly notified all the times I called. Please help me this is unfair and I been a member with them for 7 years

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 2025-09-19 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: MS

Complaint narrative:
I am submitting this dispute because unauthorized accounts have been added to my credit report. I did not create or authorize these accounts, and I received no notification of their inclusion. Furthermore, the information shown varies between the credit bureaus, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring maximum accuracy.

This also violates 15 U.S.C. 1681i, which requires disputed information to be promptly investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which entitles me to accurate and complete disclosure of all information in my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: MS

Complaint narrative:
I am submitting this dispute because unauthorized accounts have been added to my credit report. I did not create or authorize these accounts, and I received no notification of their inclusion. Furthermore, the information shown varies between the credit bureaus, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), requiring maximum accuracy.

This also violates 15 U.S.C. 1681i, which requires disputed information to be promptly investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which entitles me to accurate and complete disclosure of all information in my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-09-19 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 XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: TX

Complaint narrative:
Company XXXX XXXX XXXX Account Number : XXXX Company XXXX XXXX XXXX Account Number : XXXX This company his violated my rights publishing and broadcasting the following information on my my consumer report with out proving this information to be fact based on 15 usc 1681 and with or my lawful permissible purpose. This must be deleted immediately Company XXXX  XXXX  Account Number : XXXX Company : XXXX XXXX XXXX XXXX : Account Number : Account Number : XXXX I as a federally protected consumer have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.

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 2025-09-19 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: TX

Complaint narrative:
Company XXXX XXXX XXXX Account Number : XXXX Company XXXX XXXX XXXX Account Number : XXXX This company his violated my rights publishing and broadcasting the following information on my my consumer report with out proving this information to be fact based on 15 usc 1681 and with or my lawful permissible purpose. This must be deleted immediately Company XXXX  XXXX  Account Number : XXXX Company : XXXX XXXX XXXX XXXX : Account Number : Account Number : XXXX I as a federally protected consumer have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Persian to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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