vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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: NV

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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 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 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 Balance : {$3200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NY

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized account information currently appearing on my TransUnion credit report. This information is in violation of the Fair Credit Reporting Act ( FCRA ) under Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires credit reporting agencies to maintain maximum possible accuracy of the information they report.

XXXX  Disputed Account ( s ) : Account XXXX : CURRENT Creditor information : CURRENT, XXXX XXXX XXXX XXXX XXXX  NY XXXX Account XXXX XXXX XXXX XXXX XXXX {$260.00} Creditor information : XXXX XXXX XXXX XXXX, TX XXXX Account XXXX : XXXX XXXX XXXX {$1100.00} Creditor information : CURRENT, XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX Account XXXX : XXXX XXXX XXXX {$1700.00} Creditor information XXXX XXXX XXXX XXXX XXXX, CA XXXX Account XXXX : XXXX XXXX XXXX {$670.00} Creditor information : CURRENT, XXXX XXXXXXXX XXXX XXXX XXXX  NY XXXX Account XXXX : XXXX XXXX XXXX {$640.00} Creditor information : CURRENT, XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Reason for All Disputes Of Above referenced accounts : These accounts were reported inaccurately and was unauthorized. I did not open these accounts, nor did I give consent for them to be opened or reported in my name. Its presence on my credit report is causing harm to my creditworthiness and is not compliant with the accuracy standards outlined in the FCRA. 
I believe these reportings may be linked to the recent TransUnion data breach, during which my personal information was exposed without my consent. I am requesting a full investigation and the immediate removal of this account from my credit file. 
XXXX  Legal Precedents : To support my position, I would like to reference previous legal cases where credit bureaus were held liable for FCRA violations similar to what I am experiencing : 1. Cushman v. TransUnion Corp., 115 F.3d 220 ( XXXXXXXX XXXX XXXXXXXX ) o The court held that credit reporting agencies must go beyond the original source and conduct a reasonable investigation once a consumer disputes an item. 
XXXX. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) o In this case, the court found that reporting inaccurate data without verifying its accuracy could result in FCRA liability. 
3. Taylor v. TransUnion, LLC, No. 3:19-cv-00394 ( XXXX. XXXX XXXX ) o TransUnion was sued for failing to properly investigate disputed items that the consumer alleged were inaccurate and unauthorized. 
These cases clearly establish that failure to ensure data accuracy and conduct proper investigations upon consumer disputes is a violation of the FCRA, and may subject a credit reporting agency to legal consequences.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: CA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I made a purchase with my gold Amex card on XX/XX/XXXX. The package was supposed to be delivered to the specified location between 4-6 days, since the date of purchase, as per the website, since I paid for insurance on the package and that was the timeframe that the company provided for insured shipping ( I have proof of this ). On XX/XX/XXXX I was informed that this location ( the location where the package was going to arrive ) was going to permanently close down and that we were going to be there until XX/XX/XXXX ( I was suppose to receive my package by XX/XX/XXXX, the latest, as I paid for insurance on the package ) it was XX/XX/XXXX and my package still wasnt delivered. We permanently closed down this location on XX/XX/XXXX, meaning this location was emptied out and no one was there anymore, by XX/XX/XXXX. I submitted proof to Amex, that the package never arrived and also provided them with a note that was left on the tracking website, by USPS, stating that the location was closed and they cant access it for delivery- this note was left on XX/XX/XXXX. In spite of having all this information, Amex came back to me saying that XXXX responsible for this charge because the company showed proof of delivery on XX/XX/XXXX!!! HOW IS THAT POSSIBLE??! Im showing you paper-proof that this location was and is permanently closed down, since XX/XX/XXXX, and I havent been physically there since XX/XX/XXXX, how can you accept a delivery date of XX/XX/XXXX as a valid delivery date? When Im showing you that I couldnt have possibly received this package because NO ONE WAS LEFT AT THIS LOCATION SINCE XX/XX/XXXX, WHEN ALL KEYS FOR THE PREMISES WERE SUBMITTED TO THE LANDLORD ON XX/XX/XXXX, and the package, until this date, hadnt arrive to the delivery location!!! Amex took the side of the company and refused to give me back the {$100.00}, which I paid using their card, for merchandise which I never received. If Im submitting all documents needed, showing Amex that I never received my goods because the delivery address was no longer available AND Im showing you that the company stated a 4-6 day delivery date and delivered 13 days AFTER their stated delivery date, how can I be responsible for this??? Thats not right. The company should have been held responsible A ) for charging insurance on a package which was delivered without a signature, because I have proof that no one was at this location on XX/XX/XXXX and B ) for delivering past their promised date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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! 

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 FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This complaint doubles as a formal debt validation request to NATIONAL CREDIT SYSTEMS, submitted via the CFPB to create a documented and traceable communication. I have attached my written request which outlines the documents that are legally required to validate this debt under the FDCPA, including verification of the debt amount, original account documentation, and evidence of their authority to collect on the alleged debt. 
I am submitting this through the CFPB to ensure that my request is acknowledged and that NATIONAL CREDIT SYSTEMS is compelled to provide a complete and accurate response in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased a used XXXX XXXX XXXX XXXX  ( XXXX miles ) from XXXX, a subsidiary of XXXX XXXX in XXXX NY, and financed the vehicle through Westlake Financial. 

The retail installment sales contract shows : Vehicle price : {$26000.00} Down payment : {$15000.00} Add-on charge : {$4000.00} for a XXXX XXXX Warranty and GAP Insurance bundle. 

I was told this {$4000.00} charge guaranteed I had GAP coverage in the event the car was totaled. 

In XX/XX/XXXX, the car was involved in an accident and declared a total loss. At that point, the remaining loan balance should have been resolved through the GAP coverage I had been charged for. 

Instead, Westlake Financial continued billing me on the deficiency balance. I continued making payments through XXXX, including a lump-sum payment, until Westlake ultimately reported a charge-off against me for the unpaid balance. 

When I contacted XXXX XXXX, they confirmed they have no record of me, my VIN, or any contract under my name. This proves that the {$4000.00} charge was fraudulentI was charged for GAP and warranty coverage that never existed. 

This situation demonstrates : 1. Dealer fraud by XXXX XXXX  : They misrepresented and sold me a nonexistent GAP/warranty product. 
2. Negligence by Westlake Financial : They financed this fraudulent {$4000.00} charge without verifying that the coverage existed.

3. As a direct result, I was left responsible for a deficiency balance that GAP coverage should have resolved.

4. Westlake then reported a charge-off to the credit bureaus, causing severe credit damage.

I have suffered the following harm : Loss of {$4000.00} for a product that never existed. 
Loss of my {$15000.00} down payment into a fraudulent contract. 
Ongoing credit damage from a false charge-off that never should have occurred. 

I acted in good faith by making a large down payment and continuing to make payments after the accident, fully relying on the GAP coverage that was supposed to protect me. Instead, I was misled by the dealer, and Westlakes failure to conduct due diligence allowed this fraud to pass through to me as the consumer.

This is a clear case of fraudulent misrepresentation and negligence, and it has caused me significant financial and credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GMA Investments, LLC
State: CA

Complaint narrative:
Today ( XX/XX/year> ), my partner and employer received calls from people 'attempting to locate ' me for a court date and a supposed lawsuit they were serving me with, and I received a call from a supposed XXXX XXXX ' company. The woman on the phone said she could not provide me with any written information on the debt, a license number, or a physical address when I asked. She insisted I would be sued in XXXX XXXX, CO, if I did not pay within the next 24 hours and was pressuring me to get credit card information as a 'bond '. 

They claimed the debt was from XXXX, an installment loan company. I could not get ahold of anyone at XXXX to verify this. I looked at the Colorado Court records online and could not find any record of any cases related to my name. Here are the phone numbers that called : XXXX, XXXX, and we also received several calls from unknown numbers. When I said this sounded terribly suspicious and like a scam, the woman on the phone claimed her name was XXXX XXXX XXXX and that I could call her back at XXXX and that her extension was XXXX- but that I needed to call back with a credit card within an hour or she would go through with 'filing the case '. She refused to give me any other information. Thank you so much for looking into this.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-10 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:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXXXXXX XXXX XXXX XXXX  These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-09-10 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: KY

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute and request immediate removal of multiple fraudulent accounts that were added to my XXXX, XXXX, Transunion credit file without my knowledge or authorization. I am a victim of identity theft connected to the recent XXXX XXXX  data breach, and I have obtained an official police report from the XXXX XXXX Police Department that confirms I was a target of this crime. 
XXXX  does not have the authority to determine the validity of my victim status, which has been lawfully verified through law enforcement under the Fair Credit Reporting Act. 
Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting a block and permanent deletion of the following accounts that are the result of fraudulent activity : XXXX. XXXX XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX  Current Balance : {$42000.00}

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