vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Tx XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXXXXXX a resident of XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Tx XXXX, submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XXXXXX/XX/XXXX Current Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID.

o A copy of a recent utility bill or bank statement confirming my current address.

o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the Equifax data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to Equifax Trans Union and Experian Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of the Equifax data breach and as a result I'm also a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you. As well as letters were sent to Equifax Trans Union and Experian Demanding to comply with a method of verification used to verify any of this information that is on my report that is inaccurate with no reasonable or legit answer as of yet so clearly this is all apart of my data being exposed. Because of this blunder of this company I have been unable to purchase a home, I have been denied work and I have tremendously struggled financially trying to fix this problem that WAS NOT caused by me and I demand it be fixed immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX XXXXate opened XX/XX/XXXX balance {$160.00} XXXX Date Opened XX/XX/XXXX Balance {$0.00} **Inquiries*XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-04-11 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: LA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-11 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV is reporting a collection account that does not belong to me. I've attached a copy of the police report now that I know who fraudulently opened the account against me. I've also attached a copy of my response to Resurgent/LVNV as they are continuing to report this fraudulent account within my credit files and is causing damage to my ability to apply for credit. I've already been denied for new credit due to this account. 

I am also seeking a copy of the full application with all details within to review and provide the police department with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: AL

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX XXXX  account number ( XXXX ). This charged-off account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that the consumer credit charged-off account is the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit Report Information & Reference to CFPB Consent Order File No. 2025-CFPB-0002 To Whom It May Concern : I am writing to formally dispute one or more items listed on my credit report maintained by Equifax. I believe this information is inaccurate, incomplete, or unverifiable, and I request a thorough reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), including Sections 607 ( b ), 611 ( a ) ( 1 ) ( 6 ), and other applicable laws. 

My dispute is based on the following concerns, which are consistent with findings identified in the CFPB Consent Order ( File No. 2025-CFPB-0002 ) : 1. Failure to Conduct a Reasonable Reinvestigation : My previous dispute was not properly investigated. I provided relevant documentation, but Equifax appears to have relied solely on the furnishers response without considering this evidencecontrary to the FCRAs requirements under 611 ( a ) ( 1 ) and ( 4 ).

2. Failure to Transmit All Relevant Information : I have reason to believe that Equifax did not send all relevant consumer-provided documentation to the furnisher, violating 611 ( a ) ( 2 ) of the FCRA.

3. Deficient Results Letter : The reinvestigation results I received were vague, contradictory, and confusingcontaining conflicting statements and lacking a clear explanation of what was corrected, if anything. This violates 611 ( a ) ( 6 ).

4. Potential Reinsertion of Deleted Information : If this disputed item was previously removed and has since reappeared, I demand documentation proving that Equifax complied with 611 ( a ) ( 5 ) ( B ), including certification from the furnisher and timely notice to me.

5. Unfair and Deficient Dispute Process : As documented in the CFPB Order, Equifax has admitted to flawed systems, unreasonably restrictive document acceptance policies, and repeated failures to address consumer disputes appropriately. I demand that my dispute be handled in compliance with the affirmative requirements set forth in the Consent Order. 

Please find attached copies of supporting documents relevant to this dispute [ list documents here, e.g., billing statements, identity verification, creditor correspondence, etc. ]. 

I request the following : A thorough reinvestigation of the disputed item ( s ). 
A clear and complete explanation of the outcome of the reinvestigation.

Immediate correction or deletion of any inaccurate, incomplete, or unverifiable information.

A free updated copy of my credit report reflecting any corrections made.

Please complete this reinvestigation within the 30-day period prescribed by the FCRA and send your response to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am filing this complaint against Chase Sapphire Credit Card regarding their egregious mishandling and unjust denial of a clear and well-documented credit card fraud case that occurred on XX/XX/XXXX XXXX totaling {$6000.00} in unauthorized charges. 
While traveling XXXX XXXX XXXX XXXX XXXX XXXX XXXX and shortly thereafter, my Chase credit card was fraudulently used for XXXX separate transactions of {$2000.00} each at the same merchant, totaling {$6000.00} in unauthorized charges. These transactions were not authorized by me, and I reported them to Chase immediately. I also filed a police report and provided every possible supporting document they requested. 

Despite this, Chase has denied my fraud claim with reasoning that is not only inappropriate, but frankly insulting to a victim of theft. They insisted that I provide a receipt showing I purchased a new XXXX after the theft, implying that failing to buy a new phone would somehow mean the fraud was legitimate. Regardless, I complied. I submitted proof that a new XXXX was purchased from the XXXX XXXX on XX/XX/2025, and delivered on XX/XX/XXXX, XXXX day before the fraudulent transactions occurred. 
Even with this clear documentationand the fact that the fraudulent charges were made in a cluster, with identical amounts, to the same vendor, immediately after a stolen phone incidentChase still rejected my dispute, citing vague reasons that do not align with the Fair Credit Billing Act ( FCBA ) or standard fraud handling practices. 
This is a serious failure on the part of Chase to fulfill its responsibilities to protect consumers from fraud. The burden of proof has been unfairly and inappropriately shifted onto me, the victim, despite my cooperation, timely reporting, and full evidence. Chase has shown a complete lack of accountability and customer protection, and they have chosen to side with the fraudulent merchant over their own customer. 
I am requesting that the CFPB immediately investigate this matter and ensure that Chase credits the full {$6000.00} back to my account as required by law and good faith banking practices. I also urge the CFPB to review Chases dispute-handling procedures, which appear to be designed to deny and discourage valid fraud claims, especially for travelers abroad who are already vulnerable. This experience has been extremely frustrating and distressing, and I am now turning to your office for help in holding Chase accountable and resolving this dispute fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: DISCOVER BANK
State: FL

Complaint narrative:
Due to XXXX in 2020 I lost my job and I had a good payment history with this company up until that point in time. I do not foresee any changes to my financial situation or employment status that would put me in a position to make those payments. I respectfully request that you forgive my alleged debt I settled the account already but it shows as a negative item on my credit report. I am current employed making approximately {$60000.00} annually and I would like another shot with the company. I wasnt very well educated with credit in my younger days I shouldve just requested to close the account but I dont want my mistakes when I was XXXX to affect my future. You can run my credit now Ive been working to build my credit and I dont mind starting with the lowest credit limit you have I just want a redemption do to XXXX XXXX stopping down my income. You can respond to my request through this email, my phone number, or to the address below at your earliest convenience. Thank you in advance for your understanding of my situation. The inquiries on my XXXX also hasnt removed and they are removed on my XXXX I need my credit reports to match so I wont be so confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX instructed his team of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that data set that has been compromised. 

The following are the privacy acts that were violated : Higher Education Act Privacy Act of XXXX Family Educational Rights and Privacy Act ( FERPA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  Experian Information Solutions XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Failure to Properly Investigate Credit Dispute & Inaccurate Reporting Under the FCRA To Whom It May Concern, I am writing to formally dispute the inaccurate information being reported on my Experian credit report, as well as to express my concern regarding your failure to conduct a proper reinvestigation of the dispute I previously submitted. Your continued reporting of false or misleading information is damaging and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681e ( b ).

Specifically, the item ( s ) in question are being reported inaccurately. I have provided supporting documentation which clearl
y shows that the information being reported is incorrect or incomplete, yet Experian has failed to : Correct the inaccurate information, Conduct a reasonable and thorough reinvestigation, Forward all relevant materials to the original furnisher of the data, and Provide a clear and transparent explanation of the investigation results. 
In addition to the failure to correct the inaccurate reporting, Experians use of vague or incorrect dispute codes, its over-reliance on automated responses from data furnishers, and the lack of consideration for clear documentary evidence are unacceptable and non-compliant with your legal responsibilities.

The continued reporting of false information is causing harm to my creditworthiness and may negatively affect my access to credit, employment, or housing. This is in direct violation of the FCRA 's requirement to follow reasonable procedures to assure maximum possible accuracy of consumer information.

I hereby demand the following : A proper and reasonable reinvestigation of the disputed item ( s ), Immediate correction or deletion of any inaccurate, incomplete, or unverifiable information, A clear and complete explanation of the results of the reinvestigation, A free copy of my updated credit report, and Written confirmation of the steps taken to correct my file. 
If this matter is not resolved within the legally required 30-day period, I will escalate the issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may pursue additional legal remedies. 
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 explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I traded in my XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX The dealership representative ( XXXX XXXX XXXX ) promised to pay off my loan with Westlake Financial within two months as part of a new financing agreement with another institution. Based on his instructions, I canceled my insurance and requested payoff information from Westlake multiple times.

The dealership never paid Westlake, forcing me to continue making payments for a car I did not own, under threat of credit damage. Westlake ignored over 15 emails and numerous calls requesting help and access to their fraud department. Instead, they continued demanding payments, even after the vehicle was re-registered fraudulently in another persons name and later declared a total loss after an accident. 

I am requesting a full refund of {$4600.00} paid from XX/XX/XXXX to XX/XX/XXXX, removal of all negative credit marks, and accountability for both the dealerships fraudulent actions and Westlakes negligence. 

Involved Parties : Dealership : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ( Account No. XXXX ) Individual : XXXX XXXX XXXX ( dealership representative ) Police Report Filed : Yes Report No. XXXX Evidence Available : Emails, call logs, payment records, police report, and vehicle documents.

Company response to consumer: Closed with explanation