vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: FL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$3300.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX U Date : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XX/XX/year>, a 30-day late payment was reported on my American Express account ending in XXXX, but I believe this is inaccurate ; after noticing it on my credit report, I contacted American Express to request a review of my payment records and supporting documentation, but the issue has not yet been corrected or resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: NY

Complaint narrative:
This is my third dispute regarding the inaccurate reporting of account number XXXX ( XXXX ). Despite my previous disputes, the bureaus continue to report false, contradictory, and misleading information in violation of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681s-2 ( a ) ( 1 ) ( A ), and the duty to report only accurate and verifiable information.

The same account is being reported in multiple versions : One bureau lists it as Charge Off.

Another bureau lists it as Closed In Good Standing.

Another bureau lists it as Charge Off Sold to Another Lender.

Additionally, the payment history is inconsistent and inaccurate : One version shows XXXX  months reviewed, no history available. 

Another shows 100 % on-time payments. 

Another shows only 67 % on-time payments. 

The last activity date is also conflicting ( XX/XX/XXXX vs. XX/XX/XXXX ), which manipulates the accounts obsolescence period. 
Finally, the balance is reported as {$0.00}, yet it continues to be marked as a Charge Off, which is false and misleading.

This is a clear violation of : FCRA 607 ( b ) failure to maintain maximum possible accuracy.

FCRA 611 failure to properly investigate disputes.

FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known to be inaccurate.

FDCPA 807 ( 8 ) communicating false credit information.

I have already disputed this matter three times, and the reporting remains inaccurate and unverifiable. If this account is not immediately deleted from all of my credit reports, I will have no choice but to pursue legal action for willful non-compliance, damages under FCRA 616 and 617, and complaints with the Attorney Generals office.

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 2025-08-25 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:
This is my third dispute regarding the inaccurate reporting of account number XXXX ( XXXX ). Despite my previous disputes, the bureaus continue to report false, contradictory, and misleading information in violation of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681s-2 ( a ) ( 1 ) ( A ), and the duty to report only accurate and verifiable information.

The same account is being reported in multiple versions : One bureau lists it as Charge Off.

Another bureau lists it as Closed In Good Standing.

Another bureau lists it as Charge Off Sold to Another Lender.

Additionally, the payment history is inconsistent and inaccurate : One version shows XXXX  months reviewed, no history available. 

Another shows 100 % on-time payments. 

Another shows only 67 % on-time payments. 

The last activity date is also conflicting ( XX/XX/XXXX vs. XX/XX/XXXX ), which manipulates the accounts obsolescence period. 
Finally, the balance is reported as {$0.00}, yet it continues to be marked as a Charge Off, which is false and misleading.

This is a clear violation of : FCRA 607 ( b ) failure to maintain maximum possible accuracy.

FCRA 611 failure to properly investigate disputes.

FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known to be inaccurate.

FDCPA 807 ( 8 ) communicating false credit information.

I have already disputed this matter three times, and the reporting remains inaccurate and unverifiable. If this account is not immediately deleted from all of my credit reports, I will have no choice but to pursue legal action for willful non-compliance, damages under FCRA 616 and 617, and complaints with the Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I had a loan with a company and they transferred it to another bank. I was supposed to get a refund for what I paid on the loan and I have not received it yet

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
I am filing this complaint because a fraudulent XXXX XXXX account has been reinserted onto my credit file after previously being deleted. 

I am a victim of identity theft and filed a police report regarding this matter. This XXXX XXXX account does not belong to me, nor did I authorize or open it. The account was previously disputed and deleted, but the credit bureau improperly reinserted it without notice, in violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically : FCRA 1681i ( a ) ( 5 ) ( B ) : Prohibits reinsertion of disputed information unless the furnisher certifies its accuracy and the bureau provides written notice to the consumer. I received no such notice.

FCRA 1681i ( a ) ( 5 ) ( A ) : Requires unverifiable information to be deleted from the file. 

FCRA 605B : Gives identity theft victims the right to block fraudulent information from appearing on their reports. 

The reappearance of this account has negatively impacted my credit profile and ability to obtain housing and credit. I am requesting that the CFPB intervene to ensure permanent deletion of this fraudulent account across all credit bureaus and that XXXX XXXX and the bureau be held accountable for failing to comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
I am filing this complaint because a fraudulent XXXX XXXX account has been reinserted onto my credit file after previously being deleted. 

I am a victim of identity theft and filed a police report regarding this matter. This XXXX XXXX account does not belong to me, nor did I authorize or open it. The account was previously disputed and deleted, but the credit bureau improperly reinserted it without notice, in violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically : FCRA 1681i ( a ) ( 5 ) ( B ) : Prohibits reinsertion of disputed information unless the furnisher certifies its accuracy and the bureau provides written notice to the consumer. I received no such notice.

FCRA 1681i ( a ) ( 5 ) ( A ) : Requires unverifiable information to be deleted from the file. 

FCRA 605B : Gives identity theft victims the right to block fraudulent information from appearing on their reports. 

The reappearance of this account has negatively impacted my credit profile and ability to obtain housing and credit. I am requesting that the CFPB intervene to ensure permanent deletion of this fraudulent account across all credit bureaus and that XXXX XXXX and the bureau be held accountable for failing to comply with 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 explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint regarding CitiBanks improper reporting of a delinquency on my CITICARDS CBNA account in XX/XX/XXXX. This reporting is inaccurate and directly attributable to XXXX internal payment processing error, not to any failure on my part to make timely payments. 

I have always paid my bills in full and on time, and my account has been on automatic payment for years. In late XX/XX/XXXX through XX/XX/XXXX, CitiBank made technical changes in how monthly autopayments were processed. During that time, I was informed by CitiBank representatives that a so-called Black Out Fraud issue was blocking certain routing numbers, which inadvertently stopped my payment from processing. 

Despite this being a known issue on CitiBanks side, my account was nevertheless reported as delinquent. This is incorrect and unfair. I spent several hours in XXXX and XX/XX/XXXX speaking with CitiBank customer service to resolve the issue. All of those calls should be documented and recorded in their system. During those conversations, I was told the situation would be noted, and I would not be penalized for a mistake that was not mine. Unfortunately, that assurance was not honored. 

If you review my credit history, you will see that every other tradeline is in good standing, and that this single delinquency reported by CitiBank in XX/XX/XXXX is an outlier caused by their internal error. This incident reflects a breakdown in CitiBanks processing systems, not my payment behavior. 

I respectfully request that this delinquency mark be removed from my credit history, as it is inaccurate, misleading, and the result of CitiBanks admitted technical error. 

Thank you for your attention to this matter.

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 2025-08-25 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.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$63000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding a deceptive and unfair auto financing transaction arranged through XXXX XXXX XXXX XXXX and Westlake Financial Services in XX/XX/year>. I have since refinanced my loan with First Investors, but my complaint concerns the way the original deal was structured and misrepresented to me. 

1. Misrepresentation of Down Payment : I provided a down payment of approximately {$22000.00}, believing this would directly reduce the purchase price and the amount I financed. Instead, the dealer and lender used the majority of this amount to cover negative equity from my trade-in and other fees, without fully disclosing how the funds were applied. As a result, I ended up financing over {$31000.00} despite such a large down payment.

2. Undisclosed Service Contract : A {$4800.00} Vehicle Service Agreement was added to my loan without my knowledge or consent. This product was not explained to me at signing, nor did I authorize its inclusion. The cost of this contract inflated the amount financed and increased my monthly payments. 
3. Excessive APR and Predatory Loan Terms : The loan was financed through Westlake at 17.9 % APR. Given the size of my down payment and my good faith in making such a large upfront investment, I believe this interest rate was excessive and predatory. I was not given transparent explanations of how the financing worked, and I felt pressured into signing paperwork that was incomplete or misleading. 
4. Resulting Harm : Even after putting {$22000.00} down, I was left with an unreasonably high loan balance. After making consistent payments, I still owed approximately {$27000.00}. I was forced to refinance with XXXX XXXX to escape the original Westlake loan, but I remain financially harmed by how the deal was structured.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
It's been more than seven years since the alleged bad credit on a Barclays Bank credit card. I requested proof that the negative information had not timed out. Barclays Bank won't provide it. 

XXXX Credit Bureau believes Barclay says without proof from Barclays. XXXX  mixed up my credit information back in 2XXXX. I closed the XXXX card voluntarily because of it. I recently applied for a XXXX XXXX XXXX XXXX. But despite my XXXX score, XXXX denied my application. 

When I spoke to one of XXXX 's assistant vice-presidents on XX/XX/XXXX, he informed me that XXXX with them was actually XXXX but that even with that " terrific score '' I couldn't be approved for the XXXX XXXX credit card because of the Barclays and XXXX negative information in my credit report. 

In summary, Barclays has timed out because it's been more than seven years. Barclays negative information should be deleted from my credit report. 

XXXX created the mistakes that caused me to close my card back in XXXX. 

My XXXX XXXX XXXX credit card application should be approved.

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 2025-08-25 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: MN

Complaint narrative:
I recently reviewed my credit report and noticed I had fraudulent activity on my account. Please remove these. They are affecting my ability to obtain credit.

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 2025-08-25 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: SC

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 Federal 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 4 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 complete and accurate.

Company response to consumer: Closed with non-monetary relief