vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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 I am a victim of identity theft. I previously submitted a valid identity theft report to Equifax, Experian, and TransUnion, along with copies of my government-issued ID, Social Security card XXXX and a written statement identifying XXXX unauthorized accounts that were fraudulently opened in my name including a XXXX credit card. 

Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), once a consumer provides an identity theft report to a credit bureau , the bureau is legally required to block and remove the fraudulent information from the credit report within XXXX  business days. Despite fulfilling this requirement, all three credit bureaus have failed to remove the XXXX account from my credit reports, even though it was specifically listed in my identity theft report and should have been treated as unauthorized. 

The account was not opened or authorized by me. I never applied for it, never agreed to its terms, and did not benefit from its use. The bureaus failure to act in accordance with the law has caused unnecessary and ongoing damage to my creditworthiness and has delayed my ability to move forward financially. Ive acted in good faith by complying with the legal process for disputing identity theft-related accounts, and now I am being forced to escalate the matter because the credit bureaus are noncompliant 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 2025-07-08 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: FL

Complaint narrative:
I am filing this complaint because I am a victim of identity theft. I previously submitted a valid identity theft report to Equifax, Experian, and TransUnion, along with copies of my government-issued ID, Social Security card XXXX and a written statement identifying XXXX unauthorized accounts that were fraudulently opened in my name including a XXXX credit card. 

Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), once a consumer provides an identity theft report to a credit bureau , the bureau is legally required to block and remove the fraudulent information from the credit report within XXXX business days. Despite fulfilling this requirement, all three credit bureaus have failed to remove the XXXX account from my credit reports, even though it was specifically listed in my identity theft report and should have been treated as unauthorized. 

The account was not opened or authorized by me. I never applied for it, never agreed to its terms, and did not benefit from its use. The bureaus failure to act in accordance with the law has caused unnecessary and ongoing damage to my creditworthiness and has delayed my ability to move forward financially. Ive acted in good faith by complying with the legal process for disputing identity theft-related accounts, and now I am being forced to escalate the matter because the credit bureaus are noncompliant 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 2025-07-08 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/closed accounts XXXX {$280.00} XXXX XXXX XXXX {$370.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My credit score dropped suddenly by XXXX points in XXXX I have a Chase credit card account in good standing, with no missed payments. I did not receive any notification of credit limit reduction or adverse action. I contacted Chase but did not receive a clear explanation. 

I would like Chase to explain what caused the drop, and if it was a mistake, to correct their reporting to the credit bureaus and restore my credit score. 

Please investigate and provide a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I'd like to say one last time that is illegal for I.C. System to report me to credit bureaus without notice IN WRITING, which I never received, nor have I received anything else, even voicemails. This is a violation of the FCRA and the FDCPA as well. I've never had XXXX XXXX XXXX XXXX ( who claims I owe this money ). I've only had XXXX XXXX and XXXX. I apologize for the multiple claims, but I need to get all of this out in writing.

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 2025-07-08 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 writing to have the following information removed from my credit file, the items that I need to have deleted will be attached in a pdf document. I have several accounts that I DID NOT apply for listed on my credit report. My information was exposed in the Equifax Data Breach and as a result someone opened up several fraudulent accounts in my name. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the report. According to FCRA 605 B this information must be blocked within 4 days. Equifax has been slow in responding to my request via postal mail so now I'm involving the CFPB. This inaccurate information is causing me lots of stress and discomfort and embarrassment.

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 2025-07-08 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time.

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} Date OpenedXXXX

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 2025-07-08 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: FL

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am 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 Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
XXXX  account # XXXX and XXXX. 
XXXX XXXX # XXXX, sent a letter stating that closed the account, and remove any derogatory information. the account is still on my credit reports, and under a debt collecter. student loans are inactcurate. The credit bureaus are not verifyng the, information

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 2025-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: IL

Complaint narrative:
Hello, I am filing a formal complaint regarding what I believe to be a predatory auto loan issued to me. I purchased a vehicle and financed {$8700.00} with an interest rate of 25.49 % through west lake financial. I put {$2000.00} down at the time of purchase. The vehicle is a XXXX  XXXX with XXXX miles it is only worth about $ XXXX. 

As of today, I have made 22 payments of {$290.00}, totaling over {$6500.00} paid, but the lender is still requesting a payoff amount of {$6000.00}. Only {$2600.00} of that has gone toward the principal which is outrageous considering the amount already paid. 

The interest rate is excessive and unfair. I was not properly informed of how this interest would impact the total cost of the car, and I now realize that if I continue, I will pay nearly double the original loan amount for a vehicle that was not worth it. 

This appears to be a classic case of predatory lending, and I believe the terms violate fair lending standards. I am asking for an immediate investigation into this loan and whether the lender is in compliance with the Truth in Lending Act and state consumer protection laws. 

I am prepared to provide supporting documentation, including screenshots and payment history. 

Stay away from this predatory company!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Name : XXXX XXXX, Social Security Number : XXXX, Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , remove 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 auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an collection account from XXXX XXXX XXXX under the account number XXXX, and an collection account opened at XXXX on XX/XX/XXXX under account number XXXX. These accounts have resulted in fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing pursuant to 15 U.S. Code 1681c-2, which mandates the blocking of information resulting from identity theft upon proper request. I am a victim of identity theft, and fraudulent accounts have been reported on my credit file without my authorization or knowledge. 

As required by the Fair Credit Reporting Act, I am including the following documentation with this letter to validate my identity and to fulfill the requirements of 1681c-2 : XXXX. A copy of my FTC Identity Theft Report ( submitted at IdentityTheft.gov ) XXXX. A copy of my government-issued photo ID XXXX. A copy of my Social Security card XXXX. A copy of a recent utility bill or official mail as proof of address No police report is required under federal law, and the FTC Identity Theft Report serves as a sufficient identity theft report under the statute. 

The following account ( s ) listed on my credit report are fraudulent and must be blocked from my file immediately : National Credit Adjusters XX/XX/year> Reason : Fraudulent account opened due to identity theft. I did not authorize or open this account. 

Under 15 U.S.C. 1681c-2 ( a ), you are required to block the reporting of this fraudulent information no later than four ( XXXX ) business days after receiving this request and the accompanying identity theft documentation. 

Please confirm in writing that this information has been removed from my credit file and that no further attempts will be made to reinsert the fraudulent data without following the procedures outlined in 15 U.S.C. 1681c-2 ( d ). 

Should you require additional information, please contact me in writing only. I expect full compliance with the FCRA and your responsibilities under 1681c-2 within the timeframe specified by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Unauthorized Charge and Unfulfilled Refund from Capital One I am reporting Capital One for withholding money that is owed to me. I have a credit card with Capital One. My balance was {$490.00}, which I paid in full on the due date of XX/XX/year>. 

However, on that same day, Capital One took an additional {$170.00} from my account that I did not authorize. 

I tried to report the issue through the app but was unable to submit a proper dispute. I then called their customer service number and filed a complaint. I was told I would receive a refund check within XXXX  days, but I never received it. 

I have since called multiple timeseach time being told the check was on the waybut I still have not received it. Most recently, I was told the check should arrive within XXXX  days, but Im not confident I will receive it based on previous broken promises. 

This is unacceptable, and I need this issue resolved. I want my {$170.00} refunded immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$780.00}

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 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
HSBC XXXX bank has be charging me monthly service fee but they have not mailed my statements as I had requested. I have been trying to get them to send the statements since septmember of 2024. For the service fee that's beeing charged, mailing of the statements is included - not just download. I went into the website and configured it in a way that should enable maiiling of the monthly statemetns. 

My account manager ( at XXXX ) as well as thier help desk reps tried and I still would not get the statements by mail. I could get it downloaded, but I need them mailed and no favors were requested on my part. It's part of the service to be rendedred for the service fee collected. 

It's been 10 months and they have beeen charging me about {$45.00} a month for sdervice fee but will not meet thier obligation. Only feature that works like clock work is deducting monthly service fee, other wise one had has no cluse as to what the other hand in doing - that HSBC - its a total wrecking ball.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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 submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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 submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted disputes to Experian requesting the removal of outdated, inaccurate personal information from my credit report, including old addresses and name variations. These addresses and aliases are not current and are associated with unverifiable or derogatory accounts. 

Despite submitting supporting documentation ( ID, bank statement, proof of address ), the bureaus failed to remove this personal data or to delete the linked unverifiable accounts as required under FCRA 611 and 607 ( b ).

These personal identifiers are being used to tie derogatory tradelines to me, which is materially misleading. The bureaus refusal to update or suppress this information violates federal law and is harming my creditworthiness.

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