vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Equifax immediately block and permanently remove multiple fraudulent accounts, including a XXXX XXXX XXXX XXXX credit card XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) reported on XX/XX/XXXX with a balance of {$6300.00XXXX XXXX XXXX a XXXX XXXX XXXX Bank credit card ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) reported on XX/XX/XXXX with a balance of {$4400.00XXXX XXXX XXXX  a XXXX XXXX XXXX XXXX unsecured loan ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) reported on XX/XX/XXXX with a balance of {$3700.00} XXXX XXXX and a XXXX & XXXX XXXX account ( XXXX ) reported on XX/XX/XXXX with a balance of {$1400.00} XXXX XXXX  that were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. 
I am filing this FTC Identity Theft Affidavit to report 4 fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXX  on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$6300.00} ; a credit card opened at XXXX on XX/XX/XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$4400.00} ; an unsecured loan opened at XXXX XXXX  on XX/XX/XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$3700.00} ; and a collection account from XXXX XXXX opened on XX/XX/XXXX under account number XXXX with a balance of {$1400.00}. These accounts have resulted in several fraudulent hard inquiries and collections. I demand the immediate removal of these items and cessation of all collection activity pursuant to my rights under the FCRA and FDCPA. 
It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I disputed an account reported by Westlake Financial Services that I do not recognize. After my dispute, Westlake changed or updated the payment history they had previously furnished, which proves they had been reporting inaccurate information about this account.

Despite this, Westlake has not provided me with proper debt validation or documentation showing this account belongs to me ( such as a signed contract or detailed payment history ). 

This inaccurate reporting harmed my credit score and history. I am requesting the CFPB to require Westlake to : - Provide full validation of the account directly to me ; or - Remove/delete this account from my credit reports if they can not provide proper documentation. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: IA

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 XXXX XXXX, which falls under XXXX  according to XXXX XXXX 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 XXXX 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 XXXX 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 2025-07-15 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:
A collection account that I never authorized or opened is being reported on my credit file. I am concerned that this may stem from a data entry error or misuse of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> I received Emails from Experian, Equifax, and TransUnion that a Hard credit check was done by Capital One for a credit card. I also received a text message for me to approve opening a card credit with Capital One. I deleted the text thinking it was spam or someone fishing. Then emails the Email 's started coming from the credit bureau 's. I put a fraud alert and a freeze on my account at all three-credit bureau XXXX XXXX 
I called Capital One twice the first time the call agent didnt seem concerned he just said to call the credit bureau XXXX and report it. When I informed him, I did contact them he said well okay and then I was disconnected. I called back with a representative from XXXX XXXX ( Identity theft monitoring service ) We spoke to XXXX he said he can see the account and it is flagged, and now he will request an investigation. He said they will mail me a letter after the investigation ; when the investigation was over. ( XXXX XXXX days ) XXXX said if they find fraud they will close the account. He ( XXXX ) didnt give me a case number, he said it takes to long for a number to be assigned however, it would be on the letter when I receive it. 
XXXX with XXXX inform me file a fraud report with the Federal Trade Commission, and a police report. The fraud department at the non-emergency police department for my area was closed for the day, will need to call back in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MS

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. 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 enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XX/XX/year> National Credit Systems XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX  XXXX Subject : Dispute of Inaccurate Information on Credit Report under FCRA To Whom It May Concern, I am writing to formally dispute certain inaccurate and/or outdated information listed on my credit report maintained by your agency, as provided under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 
I recently obtained a copy of my credit report and found the following item ( s ) to be incorrect and damaging to my credit standing : Creditor Name : National Credit System Issue : This account is reported as delinquent. 
Under the FCRA, I am entitled to dispute inaccurate or unverifiable information, and you are required to investigate my claim within XXXX  days of receiving this letter. If your investigation can not verify the accuracy of the information, you must delete it from my credit report. 
Enclosed are copies of supporting documents relevant to this dispute ( such as payment records, correspondence, or identity verification ), which substantiate my position. 
Please complete your reinvestigation and update me in writing with the results of your findings. If any of the disputed information is verified, I request that you provide the name and contact information of the entity that verified it. 

Furthermore, in accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I request a written statement confirming the deletion or correction of any inaccurate or unverifiable information and that you send an updated credit report to me reflecting the changes. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
I am writing to declare that a collection account appearing on my credit file is fraudulent. I did not authorize, open, or benefit from the alleged account.

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 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
I am submitting this complaint against Bridgecrest regarding a lack of transparency and misapplication of payments on my auto loan. I have made multiple efforts to understand how my payments are being allocated between interest and principal, but Bridgecrest has failed to provide clear documentation or respond in good faith. 

In XX/XX/2025, I made XXXX on-time payments totaling {$490.00}. According to their own transaction log, XXXX XXXX  of these payments were applied to interest and {$0.00} toward principal. I am in the first year of the loan and current on my payments, so this is highly irregular and appears to reflect either a miscalculation or improper accounting practice. 

I spoke with the following representatives : XXXX ( XX/XX/2025 ) Promised escalation XXXX ( XX/XX/2025, ID # XXXX ) Promised a detailed interest/principal breakdown within XXXX business days XXXX ( XX/XX/2025 ) Refused to provide his ID number and stated that he could not give me a payment breakdown XXXX ( XX/XX/2025, ID # XXXX ) Stated that only the legal department can provide the interest/principal breakdown in writing I also submitted a formal dispute by email on XX/XX/2025, and responded within XXXX minutes of Bridgecrests initial message. Despite this, they have refused to provide a daily interest calculation, principal reduction audit, or even a clear explanation of how my payments are applied. 

As a consumer, I have a right under federal law to know how my loan is being managed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
I am begging for help! I am a victim of the XXXX  Data Breach of XXXX! All of my personal information was stolen by hackers and leaked all over the dark web! I recently reviewed my credit report and noticed multiple fraudulent accounts and inquiries on my report that I do not recognize. These accounts and inquiries do not belong to me! They are fraudulent! I am left suffering from the aftermath because of a mistake XXXX  made. I fear for my life because these perpetrators know my address! Please remove them from my credit report because it is stopping me from obtaining credit, and causing a severe hindrance in my life! Remove within 4 days according to the FCRA Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint of information below : XXXX XXXX DATE : XX/XX/XXXX BALANCE : {$0.00} XXXX DATE : XX/XX/XXXX BALANCE : {$1200.00} XXXX XXXX XXXX XXXX DATE XXXX XX/XX/XXXX XXXX : {$870.00} XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX {$610.00} XXXX XXXX DATE : XX/XX/XXXX BALANCE : {$8500.00} XXXX- XXXX DATE : XX/XX/XXXX BALANCE : {$600.00} HARD INQUIRIES CREDITOR NAME DATE OF INQUIRY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
The company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to my collection report. I have already tried to resolve these issues directly with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MD

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 non-monetary relief
Consumer complaint received 2025-07-15 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: MD

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: NC

Complaint narrative:
Experian and Equifax have 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 and Equifax 's inaction violates federal law and my rights as a consumer. 

The information listed below, which appears on my credit report, is the result of that that needs to be removed immediately. 
XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am disputing a XXXX XXXX Bank tradeline that is inaccurately reported on my credit report. 

The account was closed by XXXX XXXX Bank in XX/XX/XXXXXXXX Despite this, they continue to apply fees, interest, and report a growing balance through XXXX. I never authorized these charges and submitted a conditional acceptance of their claim, which was rejected without proper validation. 

I filed a complaint with the XXXX and CFPB, but XXXX  XXXX continues to misreport to the credit bureaus. Their reporting is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), which requires data furnishers to report complete and accurate information and correct or delete unverifiable information within XXXX days of a dispute. 

This tradeline is causing damage to my credit profile and misrepresents the status and history of the account. I am requesting this inaccurate tradeline be permanently removed or updated to reflect the final status as of XX/XX/XXXX with no further balance reporting, fees, or interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am disputing a XXXX XXXX Bank tradeline that is inaccurately reported on my credit report. 

The account was closed by XXXX XXXX Bank in XX/XX/XXXXXXXX Despite this, they continue to apply fees, interest, and report a growing balance through XXXX. I never authorized these charges and submitted a conditional acceptance of their claim, which was rejected without proper validation. 

I filed a complaint with the XXXX and CFPB, but XXXX  XXXX continues to misreport to the credit bureaus. Their reporting is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), which requires data furnishers to report complete and accurate information and correct or delete unverifiable information within XXXX days of a dispute. 

This tradeline is causing damage to my credit profile and misrepresents the status and history of the account. I am requesting this inaccurate tradeline be permanently removed or updated to reflect the final status as of XX/XX/XXXX with no further balance reporting, fees, or interest.

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