vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: MI

Complaint narrative:
I am the victim of identity theft, as evidenced by my FTC Identity Theft Report, Affidavit of Identity Theft, and supporting documentation ( government-issued ID, proof of address, and police verification ).

The fraudulent accounts and inquiries appearing on my credit files were not opened or authorized by me, and include : XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX * Multiple unauthorized inquiries linked to these fraudulent accounts These accounts and inquiries are a direct result of identity theft and should have been permanently blocked and deleted within 4 business days of the bureaus receiving my identity theft packet, as required by FCRA 605B ( 15 U.S.C. 1681c-2 ).

Despite sending certified mail dispute packages to each bureauincluding proof of identity, FTC Identity Theft Report, and formal dispute letters referencing FCRA 605B, 609, and 611these credit bureaus failed to conduct reasonable reinvestigations and continue to report erroneous information that severely impacts 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 non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report includes late payment entries that I believe are inaccurate. In line with 15 USC 1681e ( b ) and 15 USC 1681i, only information that is accurate, complete, and verifiable should be reported. I request that these entries be investigated, and if they can not be fully verified, they should be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
I challenge the accuracy of this item, as it is not consistent with my payment history. Kindly correct or delete it accordingly.

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 2025-10-16 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from Equifax. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over two weeks, and I have received no response or resolution from the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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:
I formally dispute the items in my credit file tied to accounts I did not open. Please conduct a detailed investigation and remove them. Supporting materials are enclosed.

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 2025-10-16 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
I have fraudulent charges on my credit report.I have disputed them as fraud.Over a dozen times they keep placing them back on my credit report and refuse to block the fraudulent charges from being placed on my credit report. There are four separate counts from XXXX XXXX. I have provided an ftc report as well.As a police report no one will block these from my credit report as they remain on my 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 2025-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: NC

Complaint narrative:
I am writing to formally express my displeasure with IQ Data International, a debt collection agency attempting to collect a debt on behalf of XXXX Apartments. The information they are reporting and attempting to collect is not accurate. 
I have verified directly with XXXX Apartments that the charges being claimed are not my responsibility. I paid my last months rent in full, provided proper notice of my intent to vacate, and was on a month-to-month lease at the time of my departure. Despite this, IQ Data International has continued to pursue collection and has been unwilling to work with me to resolve the matter fairly. 
During our phone communications, representatives from IQ Data International have made threatening statements, including claims that the debt will negatively impact my credit and prevent me from purchasing a home. I even attempted to negotiate in good faith by offering to pay 50 % of the amount they are requesting, on the condition that the collection be removed from my credit report. They refused, insisting that I pay the full amount instead.

I have documentation and proof supporting that I do not owe the amount being claimed. I believe IQ Data Internationals actions are misleading and in violation of fair debt collection practices. 
I am requesting that this matter be thoroughly reviewed and that all negative reporting related to this disputed debt be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: Aldous & Associates, PLLC
State: IL

Complaint narrative:
Aldous & Associates , XXXX XXXX Account Account Type : Collection agency / Third-party debt collection Original Creditor : Likely tied to a fitness membership or subscription account Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened/ Placed for Collection : XX/XX/XXXX Date Reported/ Updated : XX/XX/XXXX Original Balance : {$310.00} Current Reported Balance : {$310.00} Payment Status : Collection account unpaid Remarks : Placed for collection ; consumer disputes this account information. 
Reported To : XXXX, XXXX  ( not reported to XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
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

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 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened an account on XX/XX/25 with Bank of America and attempted to deposit a check from my job via mobile check deposit. I also switched my direct deposit to this new account. On Thursday, I could no longer access my account. I went to a branch on Friday, XX/XX/25, and was told the account was closed due to them not being able to verify my identity. I never received any correspondence in regards to this. Additionally, the paper check is being held and mailed. My direct deposit was never received into the account. Due to this, I have not received pay from my job for 3 weeks of work altogether. It has caused significant financial hardship.

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 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
In XX/XX/year> Barclay Bank closed my credit card account after 10 years which was paid timely every month and no negative marks. Prior to this closing Barclay reduced my available credit over 12 times in an 18 month period unfairly, deliberately and deceptively from {$20000.00} to {$9600.00} closing with a {$9000.00} balance of which I refuse to pay due to the fact I have not agreed to another form of loan or credit and the rate if any thereon. Barclay Bank decided this on their own and I am not obligated to pay their extraordinary rates on a balance they themselves forced upon me. I wrote many times and had calls with representatives of the bank. The Bank lied about the closure cause to me and the truth was given to me by another representative. Every time I brought the available credit between 2 and {$3000.00} the Barclay Bank company reduced the credit limit to within a 1 - {$200.00} until closure. I asked why many times but lie after lie came. Now after closing the account they inform the credit agencies I am in arrears in payments after closing the account with a {$9000.00} balance. I am not obligated to stay in a revolving credit line when I did not agree to it no cause the event to occur. I have served a XXXX XXXX XXXXXXXX demand letter upon them with treble damages. The reply in XXXX was we will look into it further!

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 2025-10-16 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
This is a formal dispute under FCRA 607 ( b ), 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ) and Reg V 1022.42. Under XXXXXXXX XXXX XXXX ( 115 F.3d 220 ) you must perform an independent investigation, not rely on automated codes. 
Disputed Account Furnisher : XXXX XXXX ( # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Date Opened : XX/XX/year> Balance/Past Due : {$190.00} Status : Collection / Charge-off Violations Identified 1. Account Type shows Installment / Collection / Open simultaneously.

2. Account Status conflicts between Open and Closed. 
3. Past Due amount listed on a collection item prohibited under Metro 2 Field 22.

4. No Date of First Delinquency reported ( violates FCRA 623 ( a ) ( 5 ) ).

5. Activity dates conflict across bureaus ( violates Field 24 ).

These contradictions violate FCRA 607 ( b ) and Metro-2 Fields 17A, 17B, 22, 24, 25, and 71.

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 2025-10-16 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I have been attempting since XX/XX/2025 to correct a deferred-payment balance error on my dental loan with Westlake Financial / Covered+. 

All my payments have been made on time and within the promotional period, but the company continues to show a deferred balance that should have been cleared. 

XX/XX/2025 : I called and was told a supervisor would call within 24 hours to fix the error so I could make my final payoff. 

XX/XX/2025 : No callback. I called again ; the representative said she could see my notes, emailed her manager, and submitted another escalation. She promised an email confirmation that never arrived. 

XX/XX/2025 : Still no callback. Another rep confirmed the notes existed but said they were not allowed to email me my interaction. I advised that if I received no callback, I would report the issue to the CFPB. 

XX/XX/2025 : I finally spoke with a supervisor who said his manager would contact me Wednesday or Thursday ( XXXX XXXX ). It is now Thursday, and I have not received that manager callback. 


Because of these repeated failures to communicate and correct the account, I have been unable to pay off the loan. I have documented every call, name, and promise, as well as a screenshot showing the incorrect {$1600.00} payoff quote. 

I am requesting that Westlake immediately : 1. Remove the incorrect deferred balance and any related fees ; 2. Provide a written final payoff statement reflecting the correct balance ; and 3. Confirm that my account will be reported as Paid in Full / Closed once the payment is made. 

The most recent call ( XX/XX/2025 XXXX XXXX. ) was with XXXX XXXX, who stated our managers are busy, could not locate the previous supervisors notes from XX/XX/XXXX, and told me to dispute with your bank, which is not applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent and unauthorized accounts, inquiries, and public records from my credit file. These items are the result of identity theft, and I have never consented to or opened the accounts in question. This matter has been reported to the Federal Trade Commission, and I have attached my Identity Theft Report as required by law. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and REMOVE all fraudulent information within FOUR ( 4 ) BUSINESS DAYS of receiving this notice and the supporting documents.Any delay, negligence, or continued reporting of this false information will be treated as willful noncompliance and a blatant violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for damages and statutory penalties.This is your final warning. Remove all fraudulent data immediately or face the legal consequences.

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 2025-10-16 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: CA

Complaint narrative:
This entry is not reflective of my payment reliability and seems incorrect. I ask that it be corrected or removed from my file.

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 2025-10-16 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:
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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-10-16 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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