vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Identity Theft Not Deleted by Credit Bureaus Product : Credit reporting Issue : Incorrect information on credit report due to identity theft Companies involved : Experian, Equifax and TransUnion I am submitting this complaint regarding identity theftrelated accounts and information that remain on my credit report despite proper disputes and documentation.

I am a victim of identity theft. Fraudulent accounts and/or inquiries were opened without my knowledge or authorization. I have formally disputed these items with the credit reporting agencies and provided identity theft documentation, including an Identity Theft Report ( FTC report and/or police report ) and proof of identity.

These are the accounts that are not mine. 

XXXX XXXXXXXX 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 Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and delete identity-theft-related information within four business days of receiving a valid Identity Theft Report.

Despite this : The credit bureau ( s ) failed to delete the fraudulent information, or The items were reinserted without proper notice, or The bureaus are verifying fraudulent accounts as accurate without evidence that I authorized them.

The continued reporting of this fraudulent information is causing ongoing harm, including damage to my credit score, emotional XXXX, and difficulty obtaining credit and financial services.

I am requesting the CFPBs assistance in ensuring the credit bureau ( s ) : 1. Immediately delete all identity-theft-related accounts, inquiries, and information 2. Cease reinsertion of fraudulent data 3. Correct my credit reports to reflect accurate information 4. Provide written confirmation of the deletions I have complied with all legal requirements and provided sufficient documentation. The credit bureau ( s ) failure to correct my credit report violates the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Identity Theft Not Deleted by Credit Bureaus Product : Credit reporting Issue : Incorrect information on credit report due to identity theft Companies involved : Experian, Equifax and TransUnion I am submitting this complaint regarding identity theftrelated accounts and information that remain on my credit report despite proper disputes and documentation.

I am a victim of identity theft. Fraudulent accounts and/or inquiries were opened without my knowledge or authorization. I have formally disputed these items with the credit reporting agencies and provided identity theft documentation, including an Identity Theft Report ( FTC report and/or police report ) and proof of identity.

These are the accounts that are not mine. 

XXXX XXXXXXXX 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 Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), credit reporting agencies are required to block and delete identity-theft-related information within four business days of receiving a valid Identity Theft Report.

Despite this : The credit bureau ( s ) failed to delete the fraudulent information, or The items were reinserted without proper notice, or The bureaus are verifying fraudulent accounts as accurate without evidence that I authorized them.

The continued reporting of this fraudulent information is causing ongoing harm, including damage to my credit score, emotional XXXX, and difficulty obtaining credit and financial services.

I am requesting the CFPBs assistance in ensuring the credit bureau ( s ) : 1. Immediately delete all identity-theft-related accounts, inquiries, and information 2. Cease reinsertion of fraudulent data 3. Correct my credit reports to reflect accurate information 4. Provide written confirmation of the deletions I have complied with all legal requirements and provided sufficient documentation. The credit bureau ( s ) failure to correct my credit report violates 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 2025-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
In XXXX, my wife received dental treatment through XXXX XXXX and was assisted by the office in applying for financing through a store credit card issued by ComenityXXXX XXXX 

At the time of enrollment, she was told by the dental office staff that the payment plan would be {$30.00} per month with no interest. Based on this explanation, I agreed to proceed with treatment and financing. 

The account was later set up as a deferred-interest promotional credit plan, a critical condition that was not clearly disclosed or explained to me at enrollment. I was not informed that interest would be added retroactively unless the full balance was paid by a specific deadline. 

I made all required payments on time through automatic payments and reasonably believed I was complying with the agreed terms. Despite this, in XXXX I was charged XXXX  of dollars in accrued interest once the promotional period ended. 

When I contacted the credit card issuer, I was told the charges were valid under the contract. When I contacted XXXX XXXX, the office denied responsibility and stated they had no record or knowledge of the financing explanation provided to me. 

I believe this represents misleading or inadequate disclosure of promotional financing terms in a healthcare setting, which caused unexpected financial harm. I am requesting a review of this matter and appropriate relief, including adjustment or reversal of the accrued interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent information on my TransUnion credit report. As a consumer actively trying to repair my credit, I am requesting that TransUnion comply with its obligations under the Fair Credit Reporting Act to ensure accurate reporting. 

Charged-Off Account in Dispute XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} Unauthorized / Questionable Inquiries XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Late Payment Reporting XXXX XXXX  Account Number : 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 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Approximately two years ago, a third-party collection agency attempted to serve me at my residence using documents that appeared unofficial and did not resemble valid court service. No clear explanation of the debt, validation, or court judgment was provided at that time, and I did not receive proper notice or an opportunity to dispute or respond.

Recently, I learned that a wage garnishment process has been initiated through my employer. This came as a shock, as I was never properly served with valid court papers, never received clear debt validation from the third-party collector, and was not made aware that a lawful judgment had been entered that would allow garnishment.

The documents now being used appear to involve a third-party collection agency rather than the original creditor. Despite this, garnishment action has proceeded. To my understanding, a third-party collector should not be able to garnish wages without strict compliance with federal and state laws, including proper service, validation of the debt, and a lawful court judgment.

Additionally, the manner in which this collection has been pursued feels aggressive and improper, especially given my documented financial hardship. I was not given reasonable notice, options for resolution, or clarity regarding my rights prior to wage garnishment efforts.

I am filing this complaint because I believe my consumer rights may have been violated, including improper service, lack of debt validation, and potentially unlawful wage garnishment activity by a third-party collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am filing this complaint to dispute multiple inaccuracies in the reporting of my accounts. The information being furnished to the credit bureaus contains incorrect details. These inaccuracies are negatively affecting my credit profile.

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 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX financed through this financial institution via a dealer in XXXX, Texas. The day after the purchase, the vehicle began experiencing serious transmission problems, making it unsafe and unusable. 

I immediately notified the dealer, and the vehicle was taken to an authorized XXXX dealership for inspection. A technical diagnostic determined that the transmission required full replacement due to severe deterioration that pre-existed the sale, as documented by the repair facility. The warranty that was offered did not cover the repair because the damage was determined to have existed prior to the sale. 

Over the following weeks, I made multiple visits, phone calls, and written communications to the dealer requesting an immediate solution : full repair, replacement of the vehicle, or cancellation of the contract. None of these options were resolved. 

On XX/XX/XXXX, I formally submitted a claim to the bank, providing all available evidence, including diagnostic reports, communications, and a detailed timeline of events, within the first 60 days from the date of purchase. 

Since that date, the bank has only stated that the claim is under investigation, without issuing a written determination, without a defined timeline, and without a concrete resolution. 

I have also received contradictory information : The dealer stated that the bank had requested a vehicle buyback. 

The bank continues to state that the investigation remains ongoing. 

During a recent phone call with a bank representative, I was told that the matter was already with the dealer. When I requested clarification and written confirmation, the call was terminated without any explanation or resolution. 

As of today : I remain without the vehicle. 

I have not received a formal written determination. 

The dealer has not responded or assumed responsibility. 

The bank has not clarified who is responsible or what the final resolution will be. 

I have repeatedly requested from the bank : The official status of the claim Written confirmation regarding any vehicle buyback Identification of the party responsible for resolving the issue A clear plan and timeline for resolution These requests have not been addressed, which has left me without a vehicle or resolution and has compelled me to file this complaint to protect my consumer rights and obtain a fair outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this complaint regarding inaccurate and outdated personal identifying information being reported on my consumer credit reports. 

On XX/XX/year>, I sent a formal Personal Information Update & Correction letter to XXXX, XXXX, and Equifax requesting the removal of outdated addresses, unauthorized phone numbers, and employer information, and to ensure that only my correct current address and identifying information remain on file. 

Despite my dispute, my credit reports continue to reflect multiple outdated addresses, an unauthorized phone number, and employer information that is not required for credit reporting purposes. This information is inaccurate, irrelevant, and violates the Fair Credit Reporting Act, including 15 U.S.C. 1681 ( a ) ( 4 ) and 1681e ( b ), which require consumer reporting agencies to maintain accurate information and respect consumer privacy.

I am requesting that the credit bureaus promptly investigate, delete the inaccurate and outdated personal information, and provide updated consumer credit reports reflecting only correct and verified information. 

I have supporting documentation available upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am submitting this complaint because a loan was opened in my name without my knowledge, authorization, or consent. I did not apply for this loan, did not sign any loan documents, and did not receive or benefit from any funds associated with this account. 



I discovered this issue after reviewing my credit report and noticing an unfamiliar loan reporting a balance of approximately {$5200.00}. I do not recognize this account and have no business relationship with this lender. 



I contacted the credit bureaus and filed an FTC Identity Theft Report to formally document the fraud. Despite this, the fraudulent loan continues to be reported and is negatively impacting my credit. 



I am requesting that this account be fully investigated as identity theft, closed immediately, and permanently removed from my credit report. I am also requesting written confirmation that I am not financially responsible for this fraudulent loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am submitting this complaint because a loan was opened in my name without my knowledge, authorization, or consent. I did not apply for this loan, did not sign any loan documents, and did not receive or benefit from any funds associated with this account. 



I discovered this issue after reviewing my credit report and noticing an unfamiliar loan reporting a balance of approximately {$5200.00}. I do not recognize this account and have no business relationship with this lender. 



I contacted the credit bureaus and filed an FTC Identity Theft Report to formally document the fraud. Despite this, the fraudulent loan continues to be reported and is negatively impacting my credit. 



I am requesting that this account be fully investigated as identity theft, closed immediately, and permanently removed from my credit report. I am also requesting written confirmation that I am not financially responsible for this fraudulent loan.

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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: IL

Complaint narrative:
Due to Law15 USC 68 one remove and also because the information on the account does not match my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc.
State: MO

Complaint narrative:
Carmax is harassing me about a debt I don't own that car was paid off thru 15 usc 1611 there for not my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: MO

Complaint narrative:
I had an outstanding debt with DISCOVER that they sent to a collection third party. I settled the debt for less than the full balance. The third party collection company has informed me that they contacted DISCOVER with all relative information, payment amount, and that it was settled. DISCOVER is the reporting party. They are failing to abide by the agreements I've set with the third party. DISCOVER has only reflected my settled payment amount with the third party but has not closed the account, reflected in the notes that it was settled for less than the full amount and updated with the {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I have receive 2 phone calls on my cell phone from a person representing Chase XXXX XXXX services stating that they are verifying a {$2900.00} charge to a card that I do not own but has my name and information attached to. They state that the card was opened in XX/XX/year>. I did not give them any information or verify any of my information but they did have the last 4 digits of my social security number correct. 

The two phone numbers, that I have blocked are : XXXX XXXX I believe these are scammers trying to access more information from me. Please investigate!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Banco Popular de Puerto Rico is inaccurately reporting my auto loan account. The account reflects a Voluntary Surrender status repeatedly on a monthly basis from XX/XX/XXXX through XX/XX/XXXX. A voluntary surrender is a one-time event and can not legally be reported as a continuing monthly derogatory status. 
Additionally, the account continues to reflect a past-due balance of {$1300.00} while simultaneously being reported as voluntarily surrendered, which is contradictory and misleading reporting. 
The payment history contains inconsistent reporting, including voluntary surrender notations mixed with delinquency statuses, rendering the reporting incomplete and inaccurate. 
This account has been previously disputed, yet the inaccurate reporting remains unchanged, demonstrating a failure to conduct a reasonable reinvestigation and to ensure maximum possible accuracy as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

I am requesting immediate deletion of this account due to inaccurate and unlawful voluntary surrender reporting.

Company response to consumer: Closed with explanation