vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: SD

Complaint narrative:
I am filing this complaint regarding multiple accounts being reported inaccurately on my credit profile.XXXX XXXX ( XXXX * ) * is showing as a late closed account with a XXXX balance, yet still negatively affecting my report.Several accounts are listed as charged off, even where balances are shown as {$0.00} or appear inconsistent with my payment records ( XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX ) .The two XXXX XXXX XXXXXXXX entries and XXXX XXXX charge-offs reflect amounts that I do not agree with, and they have not been properly verified despite my prior disputes.The collection accounts from XXXX / XXXX XXXX and XXXX XXXX XXXX XXXX XXXX list balances that I do not recognize or were already resolved, yet continue to report as active collections.Under federal law, furnishers must ensure all information reported to consumer reporting agencies is accurate, complete, and verifiable. Continued reporting of unverifiable, duplicate, or inaccurate data causes direct harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: SD

Complaint narrative:
I am filing this complaint regarding multiple accounts being reported inaccurately on my credit profile.XXXX XXXX ( XXXX * ) * is showing as a late closed account with a XXXX balance, yet still negatively affecting my report.Several accounts are listed as charged off, even where balances are shown as {$0.00} or appear inconsistent with my payment records ( XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX ) .The two XXXX XXXX XXXXXXXX entries and XXXX XXXX charge-offs reflect amounts that I do not agree with, and they have not been properly verified despite my prior disputes.The collection accounts from XXXX / XXXX XXXX and XXXX XXXX XXXX XXXX XXXX list balances that I do not recognize or were already resolved, yet continue to report as active collections.Under federal law, furnishers must ensure all information reported to consumer reporting agencies is accurate, complete, and verifiable. Continued reporting of unverifiable, duplicate, or inaccurate data causes direct harm to my creditworthiness.

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 2025-09-16 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-16 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-16 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-16 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: NY

Complaint narrative:
The credit evaluation doesn't reflect my true financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: WI

Complaint narrative:
This is a formal dispute regarding the inaccurate and unauthorized reporting of accounts on my credit file. I did not open or approve these accounts, and I was never informed of their addition. The fact that the information reported varies between the credit bureaus further proves its inaccuracy. This violates 15 U.S.C. 1681e ( b ) of the FCRA, which requires the credit bureaus to ensure maximum accuracy of consumer information.

It also violates 15 U.S.C. 1681i, which obligates credit bureaus to investigate disputed items within 30 days, and 15 U.S.C. 1681g, which entitles consumers to complete and accurate disclosure of their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Here are the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/year>, my PayPal business account was suddenly and permanently limited. The message stated that after a review, I can no longer use PayPal. 

At the time of this limitation : PayPal is holding {$40000.00} as money on hold. 
My available balance of {$710.00} is also blocked from withdrawal, even though it is not under dispute. 

Before the permanent limitation, PayPal required me to submit documentation, including company details and order fulfillment evidence. I complied fully and previously provided all documents PayPal required, including : Kickstarter project screenshots ( showing order numbers and dollar amounts to demonstrate the funds raised and orders to be fulfilled ) PledgeBox screenshots ( showing shipping details collected and progress of fulfillment ) Company EIN, registration certificate, and business license Personal drivers license Despite providing these, my account was permanently deactivated without a clear explanation of why the documentation was not sufficient. 

This action has caused significant financial harm to my business. Customers have already paid, and I have fulfilled or am in the process of fulfilling their orders. Holding both the full reserve of {$40000.00} and the available balance of {$710.00} leaves me unable to operate effectively or pay vendors. 

I am requesting : XXXX. Immediate release of the unrestricted balance of {$710.00}, since these funds are not disputed. 
XXXX. A clear explanation and timeline for the release of the {$40000.00} on hold, consistent with PayPals published 180-day policy. 
XXXX. A review of the permanent limitation decision, as I have already submitted the requested documents. 

PayPal has not provided a reasonable justification for preventing me from accessing both my available and held funds. I am seeking CFPB assistance to ensure PayPal either reinstates my account or releases funds in a fair and timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent account is a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned accounts are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud. I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
My TD BANK USA/TARGET C account has been become 30 Days Late. It has been always been set to Auto Pay, but I'm sure why the system has turned off. I logged in and paid the full amout of {$8.00}. I enrolled for paper less which I thought it should be auto paid. I called the company and they said that there was payment delinquent on their system. They asked me to contact Consumer Financial Protection Bereau to dispute the delinquent payment with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
A line of credit was opened under my name do to a mistake or by fraud by XXXX XXXX in the amount of {$1200.00} in XX/XX/XXXX and {$970.00} in XX/XX/XXXX, XXXX XXXX XXXX in the amount of {$270.00}. in XX/XX/XXXX and XXXX XXXX XXXX in the amount of {$3500.00} in XX/XX/XXXX. A person by the name of XXXX XXXX has been opening up accounts under my SSN. This is not me. He is also showing up on my credit reports since XXXX. I have contacted all fo the above companies but still have not received any results. I have also contacted Trans Union but have not received any results.

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 2025-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am writing to formally dispute continued inaccuracies related to billing errors on my credit report. Upon reviewing my most recent report, I observed that certain accounts still reflect information that does not accurately represent my payment history. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1666, which grants consumers the right to dispute and correct billing errors, and I request a comprehensive reinvestigation of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$75.00}

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 non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I PULLED MY XX/XX/XXXX XXXX  CREDIT REPORT AND FOUND THAT A COMPANY I NEVER HAD AN ACCOUNT WITH HAD PULLED SOFT INQUIRIES ON MY REPORT EVERY MONTH FROM XX/XX/XXXX TO XX/XX/XXXX. THE COMPANY IS XXXX XXXX - LOCATED XXXX XXXX XXXX, XXXX DE XXXX. I CALLED THE PHONE NUMBER ( XXXX ) XXXX AND SPOKE WITH EMPLOYEE XXXX - NO ID NUMBER PROVIDED AND HE COULD NOT VERIFY AND ACCOUNT WITH THE COMPANY WITH THE INFORMATION I PROVIDED. HE SUGGESTED I SPEAK WITH THE DISPUTE AND FRAUD DEPARTMENT AND TRANSFERRED ME TO XXXX WHO ALSO COULD NOT VERIFY THE ACCOUNTS OR VALIDATE THE INFORMATION AND REASONS FOR THE INQUIRIES. PURSUANT TO CONSUMER LAW I AM A VICTIM ON IDENTITY FRAUD AND CERTAIN ACCOUNTS/INFORMATION ON MY CREDIT FILES ARE FRAUDULENT. UNDER THE FAIR CREDIT REPORTING ACT 15 USC 1681C-2, I REQUEST THAT THE FOLLOWING INFORMATION BE BLOCKED AND REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I am writing to provide an urgent update regarding my ongoing case involving Westlake Financial Services and XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I received a notification from Westlake Financial stating that my ticket has been closed, despite the fact that no resolution or written rescission agreement has been provided and no direct communication or negotiation has occurred.

This action represents an attempt by Westlake Financial to falsely indicate to regulatory agencies that the matter is resolved, while the original dispute remains fully active and unresolved. Their conduct violates federal and state consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) by failing to address unauthorized hard inquiries and account activity.

Illinois Consumer Fraud and Deceptive Business Practices Act by engaging in deceptive practices to mislead regulators and consumers. 
CFPB dispute resolution rules by closing a case without providing a documented resolution or response to the consumer. 

I respectfully request that you escalate this matter and require Westlake Financial to : 1. Provide a written response addressing all points outlined in my original correspondence.

2. Refrain from any further attempts to report or collect on the disputed account while the case remains open.

3. Submit to your office and AG a clear plan of corrective action.

Attached are screenshots of the email I received from Westlake Financial for your review and all email as well.

Thank you for your continued assistance. I am available to provide any additional documentation or clarification you XXXX need. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
this account is not mine. I have reached out to the creditor many times in regards to this. Each time I call, I am told that they can't find an account with my name and social. I think someone may have used my information to open up this account after it was leaked in the data breach

Company response to consumer: Closed with explanation