vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am a documented victim of identity theft, as evidenced by my FTC Identity Theft Report # XXXX ( attached ). Despite prior disputes, the following fraudulent accounts and inquiries remain on my Equifax credit file : XXXX XXXX XXXX Account ending XXXX ( {$1600.00} ) XXXX XXXX Account ending XXXX ( {$2700.00} ) U.S. Dept. of Education Accounts ending XXXX ( {$910.00} ) XXXX XXXXXXXX ( {$750.00} ) XXXX XXXX Account ending XXXX ( {$1500.00} ) Unauthorized inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations Cited FCRA 1681c-2 Failure to block fraudulent accounts after receipt of identity theft report. 
FCRA 1681s-2 ( b ) Furnishers failed to validate or cease reporting.

FCRA 1681i ( a ) ( 7 ) No Method of Verification provided.

FCRA 1681b ( f ) Inquiries with no permissible purpose.

FDCPA 1692e ( 8 ) Failure to note accounts as disputed.

FDCPA 1692g ( b ) Failure to provide proper validation.

Metro 2 Compliance Byte 25 DOFD errors, ECOA miscoding, and failure to use proper compliance condition codes for fraud/blocked accounts.

Demand Pursuant to the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Metro 2 standards, you are hereby demanded to : 1. Immediately block and permanently delete all fraudulent accounts and inquiries listed above within 4 business days of receipt.

2. Provide written confirmation of deletions and corrected reports sent to all third parties who received the inaccurate data in the last 24 months.

3. Provide full disclosure of my credit file as required under FCRA 1681g.

Failure to comply will result in complaints filed with the CFPB, FTC, OCC, FCC, and State Attorney Generals office, as well as pursuit of civil remedies including damages, attorneys fees, and court costs under 15 U.S.C. 1681n, 1681o, and 1692k. 

Exhibits Enclosed Exhibit A FTC Identity Theft Report # XXXX ( signed and dated ) Exhibit B Equifax Credit Report ( XX/XX/year> ) showing fraudulent tradelines & inquiries Exhibit C Prior dispute letters ( if any )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: NV

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 explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
( ref # ) XXXX In XXXX i had my replacement card, ( social security deposits ) Fed XXXX to my address. 
when received, i tried to activate on line. A number appeared for me to call. the XXXX told me my card had been XXXX XXXX, and on hold to verify me. I called the XXXX XXXX. on hold for XXXX hours waiting for XXXX the XXXX said you need to provide IDs, to their email address, and they will assist you. I provided ample information to them, IDs, XXXX, billing from vendors. after doing so they would send response in XXXX hours. No word, i resent emails last Friday XXXX, and XXXX. No word. Monday I resent, i called XXXX XXXX again XXXX hour hold .. XXXX came on. told me. same. wait XXXX hours for replay to confirm ID. Since then i heard nothing from them. I just want to activate my card. so i can pay my bills. These people are XXXX, and their customer service, terrible. This should be a simple process, however its a Nightmare with them. I have yet to get any additional info to activate my XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My vehicle, a XXXX XXXX XXXXXXXX insured by XXXX XXXX, was declared a total loss. I decided to buy the vehicle back from the insurance company. 
After the insurance company paid its settlement, a remaining balance of {$1000.00} was left on my loan with Westlake Financial. One month after the insurance payment, I paid this balance in full, thereby closing my account.

Despite the loan being fully paid off, Westlake Financial, as the lienholder, incorrectly sent the vehicle 's title to XXXX XXXX instead of to me, the vehicle owner. This error has prevented me from legally registering and operating the vehicle, as I can not complete the process to get a " revived '' title without the original document. 
I have attempted to resolve this with Westlake Financial directly, but they have failed to correct their mistake. This has caused significant financial and logistical hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 2025-09-22 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: AR

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 : INQUIRIES : XXXX   Date : XXXX  ACCOUNTS : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$180.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/scrub>XXXX Balance : {$0.00} 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 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 2025-09-22 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the below account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX have violated my rights. 

Equifax has been notified of the inaccurate and incomplete information on my credit report through mail on XX/XX/year>, and XX/XX/year>. I have notified Equifax of the following inaccurate and incomplete information : Date of Last Payment, Date of 1st Delinquency, Term Duration, Creditor Classification, Amount Past Due, Scheduled Payment Amount, Date of Last Activity, Date XXXX XXXX. 1st Reported, Deferred Pay Start Date, XXXX XXXX Amount, XXXXXXXX XXXX Date, Date Closed. 

According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do the following for inaccurate or unverifiable information : ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 and 15 U.S.C. 1681B ( A ) ( 1 ), Equifax is not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed the incorrect information and items on my credit profile more than five times. I never receive a written response from Experian, NEVER! The information Experian is reporting is not being reported across all bureaus and it's an account on my report with a company I never gave my information to or authorized. Experian has completed investigations in 10 days of reporting they received my dispute ( investigation takes 30-45 days ) and Experian did not send me the requested information/proof of investigation. I have attached everytime I have disputed with them and received the same digital response with no proof or mailed response!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
My XXXX  XXXX XXXX was totaled on XX/XX/XXXX. At that time the contractual payoff, with Santander Consumer USA, was {$20000.00}. 

Santander received the following payments : XXXXXX/XX/XXXX {$15000.00} from XXXX ( insurance settlement ) XXXXXX/XX/XXXX {$4700.00} from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} from ancillary product refunds These payments total {$21000.00}, which exceeds the contractual payoff by {$1300.00}, creating a credit balance in my favor. 

Despite these facts, Santander has repeatedly reported my account as charged off with a {$1800.00} balance to XXXX  and other credit bureaus and sent me payoff letters ( e.g., XX/XX/XXXX ) showing an incorrect contract balance of {$18000.00} and demanding payment. Their own detailed payment history contradicts these letters and confirms that the loan was paid in full and overpaid. 

I have made multiple phone calls and sent certified mail disputing this. Santander escalated the case to their Executive Office but has not corrected my credit reports or refunded the overpayment. This inaccurate reporting has lowered my credit score by about XXXX points since XX/XX/XXXX and prevented me from obtaining reliable transportation and housing. 

I have attached and can provide all supporting documents, including Santanders payoff letters, payment ledger, GAP statement, and credit report screenshots.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: LA

Complaint narrative:
Ive been a victim of IDENTITY THEFT multiple times due to multiple data breaches using my information. I have contacted all of the credit bureaus multiple times disputing inaccurate information only for it to come back as verified as my own personal debt. 


( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. 
( c ) Authority to decline or rescind. 
( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
( XXXX ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.

( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I do not owe this balance. Please provide a contract bearing my actual signature, proof that I physically attended this gym, or any record of me communicating with or being associated with this gym. I have never applied for or attended this gym. An online application does not constitute valid evidence, as I am a victim of identity theft and anyone could have submitted it. I also never paid for this membership, so I request that you provide verifiable proof of any payment or association tied to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: IN

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had a Gap credit card with Barclay 's Bank ( account ending in XXXX ). In XX/XX/XXXX, I called Gap to close this account. During this call, I was told that there were three accounts associated with my name. I was not aware of this since I only used one credit card, and asked that the back close all three accounts. For the past few months, I have been receiving emails about an outstanding balance on a Gap account in my name ( account ending in XXXX ). This is a card that I never had, but apparently someone opened in my name. I have made repeated calls to Barclay 's about these emails and the outstanding balance. On XX/XX/XXXX, I also wrote a letter and never heard back. When I call about this issue, I am told that the card has been closed, yet the emails are still coming every other day to remind me of my balance ( which is now {$100.00} ). Barclay 's customer service doesn't know what to do with my case and I have talked to several supervisors as well. They assure me that my account is closed and that I won't get any more emails. They have also told me that it has been reported as fraud to Barclay 's investigation department. The emails keep coming and I am very concerned about the impact on my credit score. Please advise. 

Below is the letter I sent to Barclay 's on XX/XX/XXXX. I never received a response and the balance has now increased from {$14.00} to {$100.00}. 

To Whom It May Concern, I am receiving repeated emails about an outstanding balance of {$14.00} on an account ending in XXXX, an account I do not have. I recently closed a card ending in XXXX. 
Despite multiple calls to customer service, this issue remains unresolved. I am told to log in to my account, but when I attempt to do so, I am told to call customer service. When I explain this to customer service, I am then told I can not log in because the account is closed. This circular process has been unproductive and unacceptable.

I was also informed that I have three accounts, of which I was never aware. This raises concerns of potential fraudulent activity. 
I am requesting that you : XXXX. Investigate this matter immediately. 
XXXX. Close all accounts in my name. 
XXXX. Provide written confirmation of resolution within 10 business days ( see my email above ).

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 2025-09-22 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: KS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: KS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666B, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER 15 U.S.C. 1666B. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation