vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX. I am a XXXX yr old lady who has a couple of Macys store credit cards. XXXX card ending in XXXX was filed fraudulant activities of XXXX. I filed a complaint with CFPB and Macys wrote me a letter a week later saying they reversed all those charges. I was happy thinking that everything solved but soon I got another billing statement from them, this time it was in the amount of XXXX into my second Macys credit card ending in XXXX which I already closed. I called to question but I got no answer. Looks like they transfer the fraudulent amount from the first credit account to the second account. Please help me with this once more. 
I deeply appreciate your time. 

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 monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I'm writing to formally dispute inaccurate and misleading information being reported on my credit file related to an account that is marked as late which is factually incorrect and a violation of federal law.

Let me be absolutely clear : this account has always been paid on time and in full, as agreed. I have never missed a payment on this account. The current reporting of late payments is not only damaging but is also legally inaccurate under 15 U.S. Code 1666b, which governs timely payments and proper billing practices.

This is a billing error, plain and simple. The payment was made as required, and I should not be penalized for a mistake that is not mine. The negative marks being reported are unjustified and are violating the protections provided to me as a consumer under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a follow-up complaint related to previous submissions, including CFPB complaint numbers : XXXX XXXX XXXX Capital One closed those cases with the false claim that the dispute was submitted by an unauthorized third party. 

This is completely incorrect. I, XXXX XXXX, personally submitted those complaints through the CFPB portal using my account and my information. I have never authorized any third party to act on my behalf. 

This appears to be a deliberate attempt by Capital One to avoid addressing a legitimate credit reporting issue, and to violate their obligations under the Fair Credit Reporting Act ( 15 U.S. Code 1681i and 1681s-2 ).

I am requesting that Capital Ones response be rejected, the case be reopened, and that they be compelled to investigate and resolve the dispute in compliance with federal law.

I can provide photo ID, proof of address, and any other documentation necessary to verify my identity if required.

Please take this matter seriously and ensure that my dispute is not dismissed based on inaccurate or false claims by the data furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$95.00} UNAUTHORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$370.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$7200.00} XXXXXXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$3300.00} INQUIRIES : XXXX Date : XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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:
These were submitted unexpectedly and may lack proper authorization. Review the documents at once.

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 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I had a Bank Of America Credit Card ending in XXXX which I was sued for collection in XXXX in North Carolina. My case number is XXXX filed with the Clerk Of Court in XXXX XXXX . There was a lien placed on my property. I have settled the account as of XX/XX/XXXX and the court records indicate the Judgement has been satisfied as of XX/XX/XXXX. I contacted Bank Of America via fax on XX/XX/XXXX requesting a letter stating the lien has been released. I never received the letter and made three phone calls requesting it but was told to give them more time and I should have it soon. The Collections Department will never allow me to speak directly with the Legal Department. I simply want a letter stating the lien has been released and for the Clerk Of Court be sent one as well. I would greatly appreciate your assistance in helping me to resolve this issue.

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 2025-08-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
They took my car yesterday and are asking to pay my whole loan off ( {$5500.00} ) in cash only plus a {$500.00} tow fee in cash. 

They said it was in charge off status when they got the loan from my auto Leander XXXX XXXX. But I made all my payments and they have cashed all the checks. Its all current. I got behind a couple years ago but XXXX  repossessed my car and I had to pay the balance in full to get it back. I did. Its on the records this Westlake company sent me. 

The account is 100 % current. They cashed my last check last week. 

Then they tow my car and call me and say they want cash for the whole loan plus a {$500.00} tow fee

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
Im incredibly frustrated after seeing an unauthorized inquiry on my credit report this morning. I routinely check my credit and wasnt expecting anything unusual, yet this unexpected activity showed up. Refreshing my browser did nothingit clearly wasnt a glitch. I need immediate action and a thorough review of my submitted documents so I never have to deal with this 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 2025-08-06 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: WI

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of XXXX year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

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 2025-08-06 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: AL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-06 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX, XXXX XXXX XXXX XX/XX/XXXX To : TransUnion XXXX XXXXXXXX XXXX XXXX, PA XXXX RE : Dispute of Inaccurate Collection Account on My Credit Report To Whom It May Concern, I am writing to formally dispute the accuracy of a collection account that appears on my credit report. The account details are as follows : - Creditor/Collection Agency Name : XXXX XXXX XXXX XXXX XXXX - Account Number : # XXXX - Amount : XXXX - Date Reported : XX/XX/XXXX This account is being reported as an eviction-related collection and includes charges such as an eviction fee and a writ of possession fee. However, no eviction was ever filed or granted by a Justice of the Peace court in the State of Texas, nor was any writ of possession issued.

These fees are legally tied to court action that never occurred, and therefore this debt is inaccurate, unverifiable, and invalid. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only information that is complete and accurate.

I am requesting the following action : - That this item be fully investigated - That you obtain legal court records from the creditor proving the eviction and writ of possession were filed and granted - If no such records exist ( as I assert ), that the item be immediately removed from my credit file I have attached : - A copy of the Alleged Debt Owed that I received from XXXX XXXX XXXX ( XX/XX/XXXX eviction fee ) ( XX/XX/XXXX writ of possession fee ) Please complete the investigation within the 30-day window allowed under the FCRA and provide written confirmation of the outcome. 

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 2025-08-06 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: SC

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
1. XXXX XXXX {$9800.00} # XXXX XXXX 2. XXXX  XXXX XXXX XXXX {$0.00} # XXXX XXXX 3. XXXX XXXX {$0.00} # XXXX XXXX 4. XXXX XXXX {$2500.00} # XXXX XXXX 5. XXXX XXXX {$4500.00} # XXXX XXXX 6. XXXX XXXX XXXX {$12000.00} # XXXX XXXX 7. XXXX XXXX XXXX {$0.00} # XXXX XXXX 8. XXXX XXXX XXXX {$0.00} # XXXX XXXX 9. XXXX XXXX XXXX {$0.00} # XXXX XXXX 10. XXXX XXXX XXXX {$360.00} # XXXX XXXX 11. XXXX XXXXXXXX XXXX {$5600.00} # XXXX XXXX 12. US DEPARTMENT OF EDU XXXX ( inquiry ) 13. XXXX XXXX, XXXX XXXX ( inquiry ) 14. XXXX XXXX XXXX XXXX ( inquiry ) 15. XXXX XXXX XXXX ( inquiry ) 16. XXXX XXXX XXXX ( inquiry )

Company response to consumer: Closed with non-monetary relief