vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
on XX/XX/XXXX I've purchased a camera from XXXX for the amount of {$770.00}, shortly with in XXXX weeks of purchasing the camera I received an inbox from the seller that he had to provide a generic tracking number and since the product was being shipped from XXXX. Seller also provided a tracking number in XXXX website. 

XXXX weeks into the shipment I noticed the product was being held at XXXX, I tried to reach out to the seller multiple times but he never responded. Being that the amount was significant I reached out to Capital one- for dispute. While disputing with capital One, XXXX the merchant could not intervene but they acknowledged the message from seller and stated XXXX would assist in any way to dispute the claim on my favor. 

almost close to XXXX months in since purchase date, after speaking with XXXX confirming that they will support my dispute, Capital one dropped the case stating that I would be responsible for the purchase. This is while XXXX were still holding the transaction since the dispute was open, so XXXX was willing to support claim by the Capital one. 

Capital one dispute case number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-01 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: PA

Complaint narrative:
I am filing this complaint because a fraudulent account is being reported in my credit file by XXXX XXXX through TransUnion. I did not authorize or open this account, nor did I agree to receive or repay ant funds associated with it. 

The account shows a balance of {$3400.00} and was closed in XX/XX/2022. I was not made aware of this account until recently while reviewing my credit report. This account is a result of identity theft, and I am actively working to remove it through proper legal channels, including Federal Trade Commission. I have already filed ab identity theft report with the FTC. 

This incorrect information is harming mt credit score and preventing me from moving forward with major financial plans.

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 2025-10-01 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:
This complaint is directed to Experian, Equifax, and TransUnion as a formal follow-up regarding identity theft that has significantly impacted my credit reports. 

I am submitting this dispute to report and address several unauthorized accounts and inquiries that do not belong to me. Through my research, I understand that under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-1 ), the Credit Reporting Agencies are legally required to block and remove any information resulting from identity theft once proper documentation is provided.

To facilitate the process, I have attached supporting documents and identification necessary for verification. The following items must be corrected or removed from my credit file : XXXX XXXX Balance {$0.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  balance {$6400.00} XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXXXXXX XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-01 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: GA

Complaint narrative:
This complaint is directed to Experian, Equifax, and TransUnion as a formal follow-up regarding identity theft that has significantly impacted my credit reports. 

I am submitting this dispute to report and address several unauthorized accounts and inquiries that do not belong to me. Through my research, I understand that under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-1 ), the Credit Reporting Agencies are legally required to block and remove any information resulting from identity theft once proper documentation is provided.

To facilitate the process, I have attached supporting documents and identification necessary for verification. The following items must be corrected or removed from my credit file : XXXX XXXX Balance {$0.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  balance {$6400.00} XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXXXXXX XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: FREEDOM FINANCIAL NETWORK
State: NJ

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt, referenced as ACHIEVE PERSONAL LOANS. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), I formally request validation of this debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), if you can not provide adequate validation, I demand that this account be deleted from my credit report. 

Please provide the following documentation as proof of the alleged debt : XXXX. A copy of the original signed agreement or contract establishing my obligation to pay. 
XXXX. A full account history showing the original creditor, amount owed, and payment history. 
XXXX. Verification that you are legally authorized to collect this debt in my state. 
XXXX. Proof that the alleged debt has not been paid, settled, or discharged. 

If you can not provide adequate validation within 30 days, you must cease collection efforts and remove any negative reporting related to this debt from all credit bureaus in compliance with the FCRA and FDCPA. Failure to do so may result in legal action against your company. 

Please respond in writing to the address provided above. I request that all future communications be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 



This is a formal complaint against AMERICAN HONDA FINANCE a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

AM HONDA FIN XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: WA

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 explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
In XX/XX/2025, I purchased items from XXXX using my credit card through PayPal. I returned the merchandise, but XXXX never issued my refund. XXXX told me to drop my PayPal dispute in order for them to process the refund, but after I complied, they failed to issue it. 

Later, XXXX provided a credit invoice claiming a refund was processed, but PayPal confirmed no refund ever existed. I have disputed and appealed the transaction multiple times with PayPal, but they repeatedly closed the case in the sellers favor, despite evidence of return and the lack of an actual refund. 

XXXX now directs me back to PayPal, while PayPal insists XXXX never sent a refund, leaving me in a cycle without resolution since XX/XX/2025. I am requesting assistance in recovering my refund and for these unfair practices to be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BCG Equities, LLC
State: AZ

Complaint narrative:
BCG Equities , LLC has filed a lawsuit against me in smalls claims court on an alleged bank account debt thats XXXX XXXX XXXX on XXXX. The statute of limitations in the state of Wisconsin is 6 years. XXXX XXXX XXXX has violated my consumer rights by suing me on a time barred debt thats not mines for XXXX. I have a phone call recording on XX/XX/XXXX of XXXX XXXX XXXX violating the FDCPA making up false amounts {$900.00} odd dollars and fees of {$3000.00} of the alleged debt equal to {$4100.00}. I have a recording of XXXX XXXX XXXX violating the FDCPA making false claims that they mailed a demand letter to my current in the state of XXXX Arizona address but tried to correct his lie only after I explained my address situation. I also has XXXX XXXX XXXX admitting the debt was from XXXX an in the state of Wisconsin this is a time barred debt thats pass the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX Bank ( XXXX ) XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XX/XX/XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  XXXX Bank XXXX XXXX Date : XX/XX/XXXX Bank XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX Date : XX/XX/XXXX Bank of XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-10-01 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX Bank ( XXXX ) XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XX/XX/XXXXXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX  XXXX Bank XXXX XXXX Date : XX/XX/XXXX Bank XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX Date : XX/XX/XXXX Bank of XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date : 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 2025-10-01 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 hereby contest items tied to accounts not opened by me. Kindly investigate in detail and eliminate them. Evidence is attached.

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 2025-10-01 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-01 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: AZ

Complaint narrative:
I am formally disputing the reporting of a collection account on my credit file. This account is inaccurate, unverifiable, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, 1681i, and 1681e ( b ), as well as the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ).

Under the FCRA and FDCPA, both the credit reporting agencies and the collection agency must ensure that only information which can be verified as accurate and complete remains on my credit file. To date, no valid documentation has been provided showing that this debt is legally mine, collectible, and being reported correctly. Proper validation must include original signed contracts, itemized statements, and documented proof of assignment from the original creditor to the current collector. Without this evidence, the account is unverifiable and must be permanently deleted.

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 2025-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

XXXX XXXX. # XXXX Balance : {$0.00} XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: LEXISNEXIS
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute Fraudulent Accounts Listed in FTC ID Theft Affidavit To Whom It May Concern, I am a victim of identity theft, and I am formally disputing the following fraudulent accounts that are reporting on my Experian, Equifax, and TransUnion credit reports. These accounts do not belong to me, I never applied for them, and I never authorized them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$1100.00} These accounts are fraudulent and must be permanently deleted and blocked from my credit files. 
Your continued reporting of these accounts violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and in the case of debt collectors, the Fair Debt Collection Practices Act ( FDCPA ) : FCRA 1681i ( a ) : Requires a reasonable reinvestigation of disputed information.

FCRA 1681e ( b ) : Requires bureaus to ensure maximum possible accuracy. Reporting fraudulent tradelines violates this obligation.

FCRA 1681i ( a ) ( 5 ) ( B ) : Deleted accounts may not be reinserted without full verification by the furnisher and written notice to the consumer within XXXX business days. 
FACTA 1681c-2 : Requires permanent blocking of fraudulent accounts once an FTC Identity Theft Affidavit or police report is provided. I have provided my affidavit.

FDCPA 805 & 807 : Debt collectors ( such as XXXX XXXX ) are prohibited from attempting to collect debts not owed, and from using false, deceptive, or misleading representations in connection with debt collection. 
I demand the immediate and permanent deletion of these fraudulent accounts from my credit reports across Experian, Equifax, and TransUnion, with written confirmation that they have been blocked from reinsertion. 
Failure to comply will result in escalation to the CFPB, FTC, and the California Department of Financial Protection & Innovation for enforcement and possible legal remedies under FCRA 616617 ( 15 U.S.C. 1681n1681o ), which allow for civil liability for willful and negligent noncompliance. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: DC

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, BBB, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 


Fraudulent Accounts and Inquiries ( Already Documented ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-01 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Westlake Financial Calling me at work and calling me repeatedly

Company response to consumer: Closed with explanation