vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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 submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-06-17 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: Westlake Services, LLC
State: GA

Complaint narrative:
I am filing a formal complaint against Westlake Financial Services for reporting inaccurate information on my credit report. 

I have no active relationship with Westlake Financial. I contacted them directly, and their own representatives responded via email stating they could not locate any account under my name. I also attempted to access their account portal with the link they provided, but it did not work. I informed them, and they still refused to assist me or provide any documentation about the alleged account.

Despite confirming they can not verify or locate any active case related to me, Westlake Financial continues to report negative information on my credit report. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which states that any unverified or inaccurate item must be removed within 30 days.

I am requesting that the CFPB require Westlake Financial to cease reporting this account and delete it from all credit bureaus immediately, as it is unverifiable and damaging to my credit profile. I have all the email correspondence saved and am happy to provide it upon request.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It is my understanding that Experian and Transunion take ques from Equifax. They have been reporting my name incorrectly for years, so I am making sure both other bureaus also get the same memo regarding my name. Your files indicate that I was formerly known as XXXX XXXX XXXX, which is completely false. I have never gone by the name XXXX, nor have I ever legally or informally used that name. My legal name since birth is XXXX XXXX XXXX. This misinformation has caused me significant real-world harm. On multiple occasions, I have been mistakenly held responsible for debts that were not mine, which has affected my ability to secure housing. The confusion is understandable, given that XXXX XXXX is a far more common name than XXXX XXXX, but that only underscores the importance of maintaining accurate personal data. Despite my prior attempts to correct this issue, the incorrect name remains associated with my file. The only action taken appears to be the addition of a Consumer Note in all capital letters, which I did not request. The tone and formatting of that note misrepresent my intentions and may unfairly influence credit or housing decisions against me. I respectfully request that this incorrect alias be permanently removed from my file and that the aformentioned " Consumer Note '' be removed from my file. Please confirm in writing when these corrections have been made. 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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Once a company new I did not have an id I submitted the receipt and police report number for my stuff was stolen now they need an ID with the first complaint with the cfpb they no longer needed ID do they needed it after second complaint with them all on the same problem they just play games cash app playing games now they changed the dispute resolution date from the XXXX down to the XXXX but the email me on for disputes but not the fifth one fifth one is where it says the XXXX the case will be closed and my account will be closed if I don't verify my identity by then but they know I don't have an ID I submitted the receipt already for my ID said XXXX the paper receipt instead of valid until I either get my ID or XX/XX/year> it's not my fault there's a backlog since the real ID mandate Cashapp allowed my card to be processed With the name that did not match my card it is not my fault they are liable $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
{$9800.00} was charged to my credit card from Bank of America I did not charge it was fraud and it was removed. The charges were added to the new credit they sent.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: KS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX KS XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} INQUIRIES : AXXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: Sunnova Energy Corporation
State: CT

Complaint narrative:
I sold my home in XXXXXXXX XXXX XXXX XXXX Before closing, I contacted Sunnova Energy to initiate a transfer of my solar panel contract to the new buyers. They instructed me to have the buyers call directly. The buyers applied, Sunnova conducted a credit check on the buyers wife, approved her, and generated a transfer agreement that all parties signedincluding me.

After the sale closed, Sunnova reversed course and claimed the transfer was invalid because the buyers wife was not on the deed. They now refuse to remove the contract from my name and are reporting the account as delinquent, damaging my credit.

Ive contacted Sunnova several times to resolve this, but theyve refused to take responsibility despite having approved and executed the agreement.

This reporting error is harming my ability to obtain financing for my real estate business. I request that Sunnova correct this with the credit bureaus and remove the account from my name.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-17 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX IL XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX  Date XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
in accordance with the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights to privacy and under 15 USC 1681.

1. XXXX XXXXXXXX XXXX # XXXX 2. XXXX XXXX  XXXX # XXXX 3. XXXXXXXX XXXX XXXX XXXXXXXX 4. XXXX XXXX. Has voliated my rights. 

I looked at my credit report and noticed some things are incomplete and not accurate. According to the fair act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( a ) ( b ) And according to 15 USC 1681i 5 they suppose to do this ( 5 ) treatment of inaccurate or unverifiable in formation ( A ) in generalf, after any reinvestigation under paragraph ( 1 ) of any information in disputed by a consumer, an item of the information found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
In early XXXX, I noticed several things on my credit report that I didnt recognize, including a credit inquiry from XXXX XXXX XXXXXXXX on XX/XX/year> and an account with XXXX XXXX XXXX that I never opened. There were also names and addresses listed that Ive never used. I believe someone used my personal information without my permission. I reported the identity theft and started the process to dispute these items. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681c2 ), I have the right to have this fraudulent information removed, and Ive asked the credit bureaus to delete anything thats not mine.

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 2025-06-17 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: AL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Home Depot Citi Card opened and an account and let someone make purchases before they verified my identity and are trying to hold me responsible after a police investigation found and arrested the criminals who stole my identity. I have repeatedly reported this as fraud, but Home Depot Citi Card continually denies my claim and ruins my credit rating. Multiple other companies where accounts were opened fraudulently at the same time have acted promptly and have found in my favor. Citi Card investigations are cursory and incomplete. When trying to submit information they can only receive faxes and mail. The Home Depot Citi Card Fraud Protection Guarantee is not being honored they just harass innocent people to get someone to pay for their lax policies.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally notify you of a potential violation of 15 U.S. Code 1666b, which mandates that creditors must mail or deliver periodic statements to consumers at least 21 days before the payment due date. This provision ensures that consumers have adequate time to receive billing statements and make payments without incurring late fees or finance charges.accounts : XXXX  XXXX {$11000.00} XX/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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax XXXX. XXXX XXXX XXXX GA XXXX Subject : DEMAND FOR IMMEDIATE REMOVAL OF ILLEGAL REINSERTION FCRA VIOLATION FINAL NOTICE BEFORE LEGAL ACTION I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ).

The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within five ( 5 ) business days, as required by FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) Certification of accuracy from the data furnisher, as required by FCRA 1681i ( a ) ( XXXX ) ( B ) ( i ) XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Municipal Collections Services, Inc.
State: IL

Complaint narrative:
I have been contacted by this organization routinely for an unknown " debt '' that supposedly I owe. No information has been provided to me, and the organization looking to have me contact it via the Internet can not locate any debt owed. Furthermore, when a text has been returned to this organization, it is not answered. No further information has been available and/or provided to me, despite multiple requests. No information is available online and no account can supposedly be found. This organization appears to be a scam. No dates, amounts or other information has been provided to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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