vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information reported on my credit file regarding an account with XXXX XXXX XXXX XXXX. The details on my credit report contain discrepancies that I believe are incorrect and do not reflect the actual status or payment activity on the account. 

Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: IL

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 XXXX , 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 : NamXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
XXXX  XXXX listed account on credit report that is paid off in XXXX of 2024 and relisted on credit report XXXX late

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 2025-07-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove multiple fraudulent accounts, including the following : a XXXX XXXX  account with reference number XXXX, opened on XX/XX/year>XXXX  with a reported balance of {$790.00} and listed as a credit cardwhich was added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the XXXX  data breach. 
I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my consumer FICO Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a credit card account opened at XXXX XXXX  on XX/XX/year> under the account number XXXX with a reported balance of {$790.00}. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-07-10 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: WV

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

1681c-2 ) that you, the Equifax Information Services , 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 XXXX WV XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : XXXX XX/XX/XXXX INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

INQUIRIES : XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER XXXX XXXXXXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit healt |

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit healt |

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 2025-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: AL

Complaint narrative:
On XX/XX/year>2025 we had our car payment through westlake finance on auto pay, it came out of the account and said our next payment date would be for XX/XX/year>2025 but the payment got sent back into our checking account, since then we have tried to pay it again, we sent a payment out on XX/XX/scrub> 2025 and XX/XX/year>2025. Our westlake payment was sent back to the checking account on the XXXX, and as of today, XX/XX/scrub>, 2025, our payment still says pending. I saw online where westlake is under investigation and I just want to get in contact with someone that can help, we have not been late on a payment since getting the car and now that were trying to pay our bill we are completely unable to, on XX/XX/XXXX and XXXX, 2025 we tried paying by the app, it would not let us so I called their automated system and paid that way, it still says the payment is pending along with a late fee, we did owe {$270.00} then the app said we owe {$300.00} which we tried to pay, when I paid over the phone the total came to {$280.00}. I just want it to be known that we have tried paying our bill and Im not entirely sure on whats going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Global Tel*Link Corporation
State: MI

Complaint narrative:
I added money to the XXXX PHONE AND SERVICES ACCOUNT. AT THE TIME I ADDED THE MONEY I DID NOT KNOW THAT THEY NO LONGER SERVICE THE FACILITY THAT MY FAMILY MEMBER WAS XXXX AT. THEY LISTED THAT FACILITY AS ONE OF THE FACILITIES THEY SERVICE AND PULLED UP MY HUSBAND 'S NAME AND INFORMATION. HOWEVER AFTER DEPOSITING MONEY ON THE XXXX OF XXXX AND THEN AGAIN ON THE XXXX OF XXXX, I DISCOVERED THAT THEY NO LONGER SERVICED THE FACILITY AND THE THE FUNDS WERE NOT ACCESSIBLE TO MYSELF OR XXXX INDIVIDUAL. I FOUND A COMPLAINT ON THEIR WEBSITE CALLED THEIR CUSTOMER SUPPORT AND CONTACTED THEIR EMAIL SUPPORT. I WAS CONSISTENTLY GIVEN THE RUNAROUND FOR OVER A MONTH NOW AND HAVE BEEN TOLD I CAN NOT HAVE THE MONEY BACK BECAUSE THEY CAN NOT ACCESS IT AND THEY NO LONGER HAVE IT OR JUST EVERY TIME I CALL I GET SOMETHING DIFFERENT AND THEY REFUSE TO GIVE THE MONEY BACK. THERE WAS ONE TIME WHEN I CALLED AND THEY KEPT TELLING ME I HAD TO CALL A DIFFERENT NUMBER AND I CALLED FIVE DIFFERENT NUMBERS THAT DAY AS THEY INSTRUCTED AND GOT NO RESOLUTION. I RECEIVED AN EMAIL TODAY THAT THE ISSUE WAS RESOLVED INTO LOG INTO MY ACCOUNT WHICH I DID AND ALL IT SAID WAS THE CASE WAS CLOSED. THERE WAS NO RESOLUTION I DID NOT GET A REFUND AND WHEN I CALLED THEY TOLD ME THEY WOULDN'T GIVE ME A REFUND BECAUSE THEY COULDN'T ACCESS THE MONEY THEY NO LONGER HAD IT. SO I CAN'T HAVE IT THE INMATE CAN'T HAVE IT AND THEY CAN'T GET TO IT SOMEHOW.I HAVE SPENT HOURS CHASING This LITTLE BIT OF MONEY. I AM SO MAD OBVIOUSLY THEY DO THIS CONSISTENTLY TO WEAR PEOPLE OUT AND TO KEEP THEIR MONEY EACH TRANSACTION WAS XXXX XXXX  GOWEVER AT THIS POINT ITS COSTED ME SO MUCH MORE THEN THAT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX 5 . XXXX 6 XXXX XXXX XXXX. 
7. XXXX XXXX XXXX XXXX 8. XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
I am filing this complaint because the credit reporting agency is reporting outdated, inaccurate, or unverifiable personal information on my credit file. Despite my written disputes and supporting documentation submitted on or around XX/XX/scrub>, 2025, the bureau has not removed or corrected the following : Former or misclassified addresses Inaccurate employer entries ( e.g., XXXX Learning XXXX, XXXX, XXXX, XXXX XXXX, etc. ) Incorrect name variations ( e.g., XXXX XXXX ) These errors are affecting the accuracy of my file and violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ) ( 1 ) ( A ) for reinvestigation obligations, 1681e ( b ) for accuracy, and 1681c for exclusion of outdated information.

Additionally, I requested that my full Social Security number and date of birth be truncated from all consumer disclosures in accordance with federal privacy requirements, which has not been acknowledged.

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 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Account TRANSWORLD SYSTEMS INC # XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent [ proper notification, please provide " certified mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: January Technologies, Inc
State: CA

Complaint narrative:
I sent notification to January Technologies , Inc. in regards to a debt they purchased from XXXX XXXX XXXX. I sent a letter to them in regards to contacting me and I am still receiving emails from this company that bought this debt that I don't even own due to identity theft. XXXX XXXX XXXX  has put this as a charge off on my account without providing me a Form 1099-C

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
On XXXX XXXX, 2025, I was in XXXX, XXXX and my brother sent me {$100.00} via XXXX but the fraud department from M & T Bank froze my account. I didn't know why so I contacted the 24-hour customer service to see what has happened. I wasn't given much information, so I waited until later to call again. Later that day I was informed that both of my checking accounts were frozen due to mt first account being overdrawn. Two weeks prior, I received a call from an M & T Bank rep, and I informed them that the account that is overdrawn will be put back into good standing on XX/XX/scrub> 2025, when I will receive my XXXX XXXX XXXX and she told me that it fine and will notate the account, so I don't have issues. On XX/XX/year>2025, I called the bank again to get clarification, and I was told that I need to go to a branch to verify my identity, but I explained to the rep that I'm outside the XXXX XXXX  and that can't be possible at this time. I was informed that only the branch could unfreeze my second account that has the {$100.00} that I need to use. I called my local branch in the XXXX XXXX I spoke to the branch manager, XXXX XXXX, I informed him of the situation, and I told him that I would be returning back to the XXXX XXXX  XX/XX/year>2025, and that is when I can come to the branch to verify my identity, but I need to access my available fund. He informed me that only the fraud department can unlock my account, and I told him that I was told that the branch can unfreeze. The bank them decided to block deposit so on Monday XX/XX/year>2025, my XXXX direct deposit was rejected and sent back to Social Security.

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 2025-07-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These inquiries are unauthorized and they are not related to any transactions by me.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: TX

Complaint narrative:
Original creditor was successfully paid by XXXX XXXX XXXX of Louisiana on XX/XX/XXXX despite not submitting claim in a timely manner. XXXX visit was on XX/XX/XXXX. This has now been 6 years and per TN law should not have been placed on my credit anyway. Claim number XXXX. Also, I've had this same collection placed on my credit by several different collection agencies. It was deleted and then sold off to the next agency. This has caused so much extra XXXX

Company response to consumer: Closed with explanation