vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX Contents of Complaint This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud. You are required by law to block the fraudulent information within four ( 4 ) business days of receiving this request. 

Fraudulent Accounts to Be Removed XXXX  XXXX BANK XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : Not Listed XXXX CARD Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX ( Student Loans ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Date Opened : XXXX XXXX, XXXX Balance : {$1000.00} Date Opened : XXXX XXXX, XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX Balance : {$3600.00} Fraudulent Inquiries ( 7 Total ) XXXX  CARD Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX  XXXX BANK XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Statement of Harm These accounts and inquiries have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. 

I have attached the following for your review and records : A list of the fraudulent hard inquiries in question. 

A copy of my consumer credit report maintained by TransUnion showing the fraudulent items. 

A copy of the FTC Identity Theft Criminal Complaints # XXXX and # XXXX as proof from the U.S. Federal Trade Commission that the accounts, collections, and inquiries in question are fraudulent. 

I do not recognize these accounts, collections, or inquiries as reported. They were not opened, authorized, or initiated by me. All of the above are the direct result of identity theft and fraud. 
TransUnion is required to block all of the fraudulent accounts, collections, and inquiries listed above within four ( 4 ) business days of receipt of this complaint, pursuant to FCRA 605B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: TX

Complaint narrative:
I have things on my credit that I am not aware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: CA

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 2025-09-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Concord Servicing Corporation
State: MO

Complaint narrative:
I am filing this complaint because an account is being reported on my XXXX  credit file. This account is connected to a disputed timeshare contract with XXXX XXXX. It is not and has never been a real estate loan. Reporting it as such is false and materially misleading. 

I have repeatedly disputed this contract with XXXX XXXX. In their most recent correspondence, they stated that my Member Beneficiary Rights had been terminated for nonpayment, ending my membership and liability for future maintenance fees or club dues. Despite this, they continue to insist that I am obligated under the note, and now Concord Servicing LLC is reporting this as a delinquent real estate loan on my XXXX  credit report. 

If this were truly a real estate loan, the creditors legal remedy would be foreclosure or trustees sale, not third-party collections. The fact that XXXX and Concord have chosen to pursue this as a collection account while simultaneously reporting it as a real estate loan demonstrates that the reporting is inaccurate and misleading.

Further, even if XXXX and Concord wish to characterize this as a real estate loan, once they terminated my ownership rights and reclaimed the membership, any underlying debt should have been considered satisfied, just as in a foreclosure, where repossession of the property satisfies or offsets the debt.

This misclassification causes significant harm because it misrepresents the nature of the debt to lenders and credit scoring models. It makes it appear as though I defaulted on a mortgage, which carries far more weight and damage than an installment loan default. It also violates the Fair Credit Reporting Act ( FCRA ) requirement that furnishers report complete and accurate information.

This debt is not owed. The account was misrepresented from the outset, XXXX XXXX has already admitted that my ownership rights were terminated, and Concord Servicings credit reporting is false, unfair, and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate 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 non-monetary relief
Consumer complaint received 2025-09-02 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: NJ

Complaint narrative:
Under FCRA 15 USC s1681c-2 ( section 605B ), fraudulent items must be blocked within 4 business days upon receiving an identity theft report. 15 USC s1681s-2 requires furnishers to ensure accuracy and stop reporting disputed accounts unless verified. 15 USC s1681e ( b ) mandates that agencies ensure maximum accuracy. Under 15 USC s1692c ( a ) ( 2 ), collection activities must cease regarding debts from identity theft. Finally, under 15 USC s1681 ( a ) ( 2 ), I never gave authorization for these accounts to be reported. 

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 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 Hard Inquiries 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

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Complaint Title : Furnishing Unverified Charged-Off Account Failure to Validate Under FCRA This is my third attempt to resolve a serious credit reporting violation involving Goldman Sachs Bank USA . Prior complaints were improperly closed as duplicates, despite addressing legally distinct issues. 

Goldman Sachs continues to furnish a charged-off account to the credit bureaus without providing legally required documentation to verify the accuracy, ownership, or validity of the alleged debt. 

Their only response has been to mail a packet containing generic transaction history which does not constitute legal validation under the FCRA or XXXX XXXX reporting guidelines.

To date, Goldman Sachs has failed to provide : A signed credit agreement or original application A complete charge-off ledger A XXXX or tax-related discharge documentation Proof of assignment, legal ownership, or chain of title No legally sufficient evidence has been produced to justify the continued furnishing of this tradeline. Transaction history is not proof of a valid, collectible, or legally reportable debt. 

This complaint is not about the validity of individual charges it is about the unlawful furnishing of incomplete and unverified data by Goldman Sachs in violation of FCRA 623. 

I am formally objecting to the continued reporting of this item and requesting a full reinvestigation. If no proper verification is provided, I will escalate this matter to the OCC, state regulators, and legal counsel for further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/scrub>, 2025, there were seven unauthorized transactions made using my PayPal XXXX XXXX, totaling {$1000.00}. I did not authorize these charges and immediately reported them to PayPal. Out of the total, I have only received partial refunds amounting to {$440.00}. The breakdown is as follows : 1. {$190.00} refunded 2. {$140.00} refunded 3. {$98.00} refunded 4. {$140.00} not refunded 5. {$190.00} not refunded 6. {$9.00} not refunded 7. {$190.00} not refunded I have filed multiple disputes through PayPals system and have spoken with customer service representatives on the phone several times. I have also messaged PayPal daily since this happened. However, all my disputes have been denied with automated messages that do not provide a clear explanation. The transactions occurred back to back and are suspicious in nature, with repeated charge amounts that clearly indicate fraud. I have requested a full investigation but have not received appropriate help or a satisfactory explanation. What I need : I am requesting a full refund of the remaining {$550.00}, and a proper review of all the disputed transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-02 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: MD

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under 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 non-monetary relief
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT 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 non-monetary relief
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the XXXX XXXX XXXX XXXX ( XXXX ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: MS

Complaint narrative:
Debt Collectors Name XXXX XXXX XXXX Re : Request for Debt Validation Account Number : XXXX This is a formal request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following ; The name of the original creditor ; A copy of the original contract or agreement bearing my signature ( if applicable ) ; The complete chain of assignment or ownership of the debt. Until you provide the requested validation, I request that you cease all collection activities, please note, I am requesting this information for verification purposes only. Sincerely 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 2025-09-02 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-02 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:
I have seen that incorrect accounts continue to appear on my credit report, and they have not been deleted. I kindly request that the documents I submitted be carefully reviewed so this issue can finally be resolved and no longer cause me concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I have an auto loan with Westlake Financial Services that I have been paying for 2 years. The original amount financed was about {$15000.00} for a used XXXX  XXXX XXXX. Despite making my payments on time, the balance has only gone down by about {$2000.00} because the interest rate is extremely high at 18 %. 

At this moment, I am not working due to medical reasons and I can no longer afford the monthly payments. When I contacted Westlake Financial Services to ask about the payoff amount, they said I still owe over {$13000.00}. They are not offering any option to lower the interest or to refinance the loan. 

My concern is that the car is now worth only about {$7000.00} {$7500.00} in the current market, yet I financed it for {$15000.00}, and after 2 years of responsible payments, I still owe more than {$13000.00}. 

My plan was to sell the car or voluntarily surrender it, but I am very concerned about damaging my credit. Even if I sell the car, I would still owe about {$5000.00} {$6000.00} after applying the sale proceeds. 

I have been very responsible with my payments up until now, but I am no longer able to keep up. I would like to know if Westlake Financial Services can reduce some of the interest charges or negotiate the payoff amount so that I can settle this debt in good faith, protect my credit, and move forward responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: EQUIFAX, INC.
State: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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:
XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( XXXX ) 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