vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XX/XX/year> Experian, XXXX. XXXX XXXX, XXXX, TX XXXX. 

Subject : Dispute of Fraudulent Accounts Due to Identity Theft Request for Block Dear Experian I am writing to formally dispute fraudulent accounts that have been opened in my name due to identity theft, as permitted under 15 USC 1681c-2. I have obtained an Identity Theft Report from the Federal Trade Commission ( FTC ) and am providing it along with this letter to facilitate the blocking of these fraudulent accounts. 

Details of the fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As per the Fair Credit Reporting Act, I am aware that I do not need to provide a police report to block these accounts, as I have already submitted my police Identity Theft Report. The report includes my identification information ( ID, SSN ) and proof of my address, which I have enclosed with this letter.

In accordance with the provisions outlined in 15 USC 1681c-2, I respectfully request that you take the necessary actions to block these fraudulent accounts within the next four business days. Please confirm that you have received this request and inform me of the actions taken regarding the fraudulent accounts.

Thank you for your prompt attention to this matter. I look forward to your swift resolution. 

Sincerely, 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 2025-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I submitted full payment to Westlake Financial to start release process of my vehicle. That same day, I called to confirm, and an agent verified the payment had been received. Later that day, I called again to ask if any documents were needed. The agent told me no further documents were required. I followed all instructions provided. 

Despite this, my vehicle was not released. On XX/XX/XXXX, a second payment was withdrawn from my account, which made my account fully current but I still did not get my vehicle back. 

I called Westlake Financial daily from XX/XX/XXXX through XX/XX/XXXX and until now XX/XX/XXXX. Most calls ended in long hold times and disconnections. On XX/XX/XXXX, I finally spoke with a supervisor who said the vehicle could be picked up within the hour from Hide and Seek Recovery ( the third-party company that repossessed the vehicle ). However, by that time, they were closed. 

On the morning of XX/XX/XXXX, I called Westlake to confirm the release documents had been sent. I was told yes, everything was cleared. I then cXXXX XXXX XXXX XXXX XXXXXXXX, who said they had not received anything. I called Westlake again, and they said to wait XXXX minutes. But when I called XXXX XXXX XXXX XXXX XXXX I was informed that XXXX had already removed the vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXat same morning and transferred it to XXXX XXXX. 

This violated Westlakes own written agreement stating the car would not be moved or auctioned before XX/XX/XXXX - and this was in case payment was not received ; XXXX payments were sent to them within the same week. First payment was sent within XXXX minutes of vehicle being pickup by XXXX XXXX XXXX XXXX. I was never informed that the vehicle had already been moved, and Westlake agents gave me false and conflicting information throughout the process. 

I finally received my vehicle back on XX/XX/XXXX, but it had been : Damaged ( broken rearview mirror and loose wires ) Completely cleaned out Missing my license plates Missing all personal property, including my childrens car seats ( only the cut straps remained ), speaker system, electronics, handbags, cosmetics, and other valuables. 

The vehicle was returned unsafe and illegal to drive, yet Westlake continued to charge me as if it were fully functional. Ive made repeated calls, but have been hung up on, placed on long holds, and no one has taken responsibility.

Ive filed complaints with the Texas DMV, the XXXX, and now CFPB due to unlawful handling of my vehicle, lost property, and ongoing billing for a car I could not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have XXXX late payments reported by XXXX. I called to request they remove it but they refused.

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 2025-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I visited XXXX XXXX XXXX XXXX for a skin check and mole biopsy. Before the procedure, I specifically asked about the total cost and was told it would be {$250.00}, which I paid in full that same day. I was not informed of any potential additional lab charges. 

On XX/XX/XXXX, I received a bill for {$380.00} for pathology lab services, which I had not been informed of beforehand. I emailed the billing team on XX/XX/XXXX, requesting clarification and explaining that I had only agreed to the biopsy after being told {$250.00} was the total cost. They replied on XX/XX/XXXX asking for more information, which I provided the same day. After that, I received no clear response or resolution, despite multiple follow-ups. 

I emailed again on XX/XX/XXXX. A nurse called me later that afternoon to discuss a medical follow-up unrelated to the billing issue. During the call, I brought up the billing issue, she told me I would need to speak with billing. She said shed pass the message on, but no one followed up. 

On XX/XX/XXXX, billing responded that they were still waiting for a reply from the clinic. I continued to follow up, including on XX/XX/XXXX, but was told again there was no update. 

Then, in XX/XX/XXXX, I received a notice from a debt collection agency ( Credit Systems International , Inc. ) for the {$380.00} charge, despite my ongoing dispute and attempts to resolve the matter directly with the provider. 

I formally disputed the debt with the collections agency on XX/XX/XXXX, requesting validation. That same day, I also contacted the clinic again asking for the charge to be recalled from collections. On XX/XX/XXXX, they responded, saying the charge was valid because it was for lab work billed separately. However, they did not explain why this cost had never been disclosed to me prior to the procedure. 

I replied again on XX/XX/XXXX, continuing to dispute the charge. I emphasized that the charge was never communicated to me before consent and payment, and that I would not have agreed to the procedure had I known. I have not received further resolution. 

Attachments : Receipt Official receipt from XXXX XXXX XXXX showing payment of {$250.00} on XX/XX/XXXX. This was presented to me as the full and final cost for the visit and biopsy, with no mention of additional lab fees. 

Additional XXXX XXXX of the {$380.00} bill I received on XX/XX/XXXX, more than a week after I paid {$250.00} in full at my appointment. This charge was never disclosed to me before the procedure. 

Email Communications PDF of my emails with the billing department from XX/XX/XXXX to XX/XX/XXXX showing repeated requests for clarification and lack of resolution. 

XXXX Notice Email from Credit Systems International received on XX/XX/XXXX regarding the disputed debt. 

Debt Dispute Letter My email to XXXX on XX/XX/XXXX formally disputing the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: IN

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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AC AutoPay LLC, Denver, CO Branch
State: FL

Complaint narrative:
A complaint was filed regarding a credit inquiry with XXXX on XX/XX/25 that I did not authorize a hard credit pull. I received a letter today from XXXX than alleged I applied for credit with another company ( not XXXX ) called autopay at a car dealership. 

I did not visit a car dealership [ of did I agree to a hard credit injury with either of these companies and I demand to have this inquiry removed from my personal credit. 

See letter attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NC

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-26 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: TX

Complaint narrative:
I am submitting this complaint because there is an account currently reporting on my Transunion report that is inaccurate, unverifiable, and appears to have been illegally re-aged, which violates my rights under the Fair Credit Reporting Act ( FCRA ). The account in question is from XXXX XXXX XXXX and the original creditor is XXXX XXXX with a balance of {$590.00}. It is reporting with all XXXX credit reporting agencies. 
I previously submitted a debt validation request directly to the furnisher ( XXXX XXXX ) and they failed to provide proper validation. I also submitted a Method of Verification request to the credit reporting agencies. Despite this, the account continues to report inaccurate and inconsistent information across all 3 credit reporting agencies, including : different dates opened, conflicting last reported dates and INACCURATE " Date last active '' - Transunion is reporting XX/XX/XXXX for a debt that was opened in XXXX and has had no payments since. This is a clear re-aging violation under FCRA XXXX ( c ). 
The furnisher has not provided the required documentation to prove the validity of this debt. The credit bureaus have continued to report this information even after being notified of these discrepancies, which is a violation of their duty to maintain accurate reporting under FCRA XXXX. 
I am requesting that the CFPB investigate this account and compel Transunion to remove this account immediately from my credit profile. I am prepared to pursue legal action if this is not resolved promptly. 
I have attached documentation showing discrepancies in the reporting. This account is causing ongoing harm to my credit profile and must be removed.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
My credit report shows my ex husbands ' name, even though I did not get the credit card until 5 years after our divorce and his name was never associated with my card.

I would like his name completely removed.

The phone number on my account is an old number and needs updating.

The balance on my Capital One card was paid in full months ago, but continues to show it as " delinquent. '' This is causing my credit score to not update.

I filed a " dispute '' to try and get my account updated.

They said it was resolved, but none of the info. has been updated.

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
Was informed that the loan amount requested would require a buy down of the principal after several days to weeks of waiting for approval from underwriting was told the appraisal was something they have no control over offered to show recent comparable properties that were provided by a realtor to me, appraisal was at least {$15000.00} low probability closer to {$19000.00} or more lower than the market comparables. Because of an inexperienced and potentially XXXX XXXX XXXXXXXX our loan was altered we believe that we were discriminated against for being XXXX and not LDS affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I filed a complaint with CFPB on XXXX about Credit Karma not emailing my with a link to redeem my {$50.00} gift card they owe me, that complaint # XXXX was closed on XXXX after CFPB emailed me Credit Karmas response . As I've already been made aware by Credit Karma previously, they in fact found per this current complaint that they do in fact owe me a {$50.00} gift card. 

However in their response to my initial complaint, they stated that they emailed me on XXXX with a link to redeem this {$50.00} gift card and to check my email and spam or junk mail. 

I am filling this XXXX complaint because Credit Karma has AGAIN lied. They have NOT sent me the email with the link to redeem my {$50.00} gift card. This is not surprising because they have been lying to me and taking me in circles for over a month in emails which lead me to file my first complaint with CFPB. 

I am requesting that CFPB ask Credit Karma to send proof that they emailed me the gift card link showing the time and date that it was supposedly sent on XXXX, which I'm certain they can't provide because IT WAS NEVER SENT TO ME. I'm also asking that it ACTUALLY be emailed seeming they never did what they claimed they did. 

Lastly, I contacted XXXX today via a phone call and was referred to my local XXXX XXXX XXXX to move forward with legal representation on this matter. I was told to move forward with a second complaint to build my line of communication and paper trail with CFPB and Credit Karma on this ongoing issue until it's resolved. 

Thank you for that referral CFPB, I appreciate that!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-26 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:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
This letter is a follow-up to my original CFPB complaint regarding XXXX XXXX failure to issue the title and lien release for my XXXX XXXX XXXX, fully paid off in XXXX. Chrysler Capital responded to my first CFPB complaint on XX/XX/XXXX, claiming that a duplicate title had been requested and would be mailed to my address. However, I have yet to receive any documentation or valid tracking information as of XX/XX/XXXX. 

Today, I again contacted Chrysler Capital : - XXXX ( XXXX XXXX ) transferred me to the Titles Department at XXXX PM. 
- I was then transferred to XXXX at XXXX XXXX. He did not sound like a XXXX, was short, dismissive, and had a lot of background noise. He claimed that something is being sent but could not provide the tracking number. He placed me on hold for XXXX minutes and returned saying the tracking number was unavailable and wouldn't be accessible for XXXX hours. This excuse has been repeated in past calls, and before I could continue, I was disconnected at XXXX XXXX 
- I called back at XXXXXXXX XXXX  and spoke with XXXX ( XXXX XXXX ), who again transferred me. 
- I was then connected to XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX. She repeated the same information provided by XXXX and XXXX. I explained that Ive been given the same runaround and asked to speak to someone who could resolve this issue immediately. She put me on hold at XXXX XXXX to reach 'higher ups. ' This repeated cycle of misinformation, lack of follow-through, and failure to provide legal documents is unacceptable. I urgently request CFPB assistance in resolving this matter and holding Chrysler Capital accountable for fulfilling their legal obligation to provide my vehicle title and XXXX release. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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