vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: IN

Complaint narrative:
Updated CFPB Complaint Statement ( copy/paste this ) : In XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX financed through Westlake. After the purchase, I discovered that the mileage listed on the contract was incorrect by 31 miles. Although the difference is small, it raised concerns because the vehicle shows multiple signs of long-term neglect and serious safety issues that were not disclosed or reflected in the financed value.

After driving the vehicle, I discovered severe mechanical and safety problems including : a driver-side door that flies open while driving, a rotted exhaust system with holes, a missing muffler, a severe oil leak, oversized tires that is breaking the fenders, heavy battery corrosion, and clear evidence the vehicle has not been serviced properly. These issues make the vehicle unsafe and significantly reduce its value.

I opened a fraud/odometer and condition-related investigation with Westlake and requested documentation , mileage verification, and an explanation for how the vehicle passed financing approval in this condition. I have not received complete information or a resolution. I am requesting that Westlake correct the loan and address the misrepresented condition and safety issues of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding late payment information reported on several accounts appearing on my Experian credit report. These accounts include XXXX XXXX XXXX, XXXX, Office of the Attorney General, and XXXX XXXX, all of which contain payment history or balances that appear incomplete, inconsistent, or inaccurate. Under the Fair Credit Reporting Act, consumer reporting agencies are required to ensure maximum possible accuracy under 607 ( b ), and they must properly reinvestigate disputed items under 611. Despite my earlier dispute, these accounts continue to report the same questionable late payment information, and I have not received any documentation, verification results, or explanation confirming how Experian determined the continued accuracy of these entries. The lack of response and failure to correct or verify the disputed information constitutes a violation of my rights under the FCRA and is causing ongoing harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-18 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I signed up for an Amex gold credit card advertised under 20.99 % and was told they miscalculated my APR and were upping it to 28.99 % a year after I signed up. Additionally, my last statement showed a balance of {$1700.00}, I paid {$400.00}, my bill then updated to {$1500.00} the next day, and then {$1600.00} the following day. When I called Amex, they told me my original statement was {$2500.00} and the {$1700.00} was just a system miscalculation. 

ABSOLUTELY NUTS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
XXXX XXXX  XXXX XXXX Bal. {$11000.00} Placed in Collections XX/XX/2025 Last Verified Date XX/XX/2025 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 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I previously submitted a written dispute to BRIDGECREST dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), BRIDGECREST has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since BRIDGECREST did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure BRIDGECRESTs immediate compliance with FCRA requirements. 

BRIDGECREST XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
I am disputing the remark XXXX XXXX no longer available in repayment phase because it is inaccurate and does not reflect the true status of the account. Please investigate and remove this incorrect notation from my XXXX  credit report. 


Account info Account name CITIZENS PAY XXXX XXXX  Account number XXXX Account type Line of Credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
I am submitting this complaint because Avant is inaccurately reporting multiple late payments on my unsecured loan, even though my payments were made within the billing cycle and never reached XXXX days past the due date. 

My payment due date is at the end of each month. Under the Fair Credit Reporting Act ( FCRA ), a creditor can only report a XXXX late payment if the payment is a full XXXX days past the due date. 

Avant has reported my XXXX, XXXX, XXXX, XXXX, and XX/XX/year> payments as late. This is inaccurate for the following reasons : XXXX. I submitted a payment in every XXXX of those months before the next months due date. 
XXXX. In months where a payment was XXXX, I made a successful replacement payment within the same billing cycle. 
XXXX. At no point did any payment reach the required XXXX delinquency threshold. 
XXXX. Avants internal system is treating returned payments as late, even though the corrected payments posted before the month ended. 
XXXX. These late marks do not meet FCRA standards for accurate reporting. 

Despite my account being current and paid on time, Avant is reporting XXXX and XXXX late payments that never legally occurred. This incorrect reporting has caused substantial harm to my credit score and financial standing. 

I attempted to resolve this directly with Avant, but they continue to insist I was late even though the dates show I was not XXXX days past due. 

I am requesting CFPB assistance to correct this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
Summary of the Issue : My credit card company, Sychrony Bank removed my ability to make online payments and access my account history without providing any notice. For Multiple years, I have consistently made my payment-plan installments online, as the companys monthly statements state that online payment is an available option. Recently, they XXXX my online access and now require that I call in payments. They refuse to restore online access despite multiple contacts and requests. 

Impact on My Account : Because they removed online payment access without notice, I was unable to make scheduled payments through the method I had always used and the mandate by the company to phone in payment creates an undue burden and obstical for me to make payments.This has resulted in missed payments on my payment plan. The creditor subsequently issued a Right to Cure letter, even though the payment problem occurred because they unilaterally changed the available payment methods without notice and blocked my ability to view my account records and payment history. 

Attempts to Resolve : Over the past XXXX months, I have contacted the company numerous times. Each time, they refused to reinstate my online access, even though the statements still state online payment as an option, they have failed provide an explanation for the change, other than stating after the change was noticed that payment plan customers no longer have online access with their company, and they have offer a reasonable alternative that allows me to view my balance and payment history. They have not provided any documentation showing when or why the access was removed, nor any notice that this change would occur prior to the change being made. I continue to be required to call in payments, which is inconsistent with their written mailed statements that online payments are available. 

Why I Am Filing This Complaint : I believe the company is engaging in unfair or deceptive practices by : Removing a standard payment method without notice. 
Preventing me from accessing my account information. 
Penalizing me for missed payments that resulted from their system changes. 
Failing to provide a reasonable means to manage and verify my account. 

I am requesting that the CFPB inquire into the situation and require the creditor to : Restore my online payment and account access ; Remove any delinquency, late fees, or negative consequences caused by the change ; Provide documentation of their policy and notice procedures regarding the removal of online access ; Ensure that I have a reliable way to view my account and make timely payments.

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 2025-11-18 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: OH

Complaint narrative:
I just checked my credit report and i noticed that i had some inaccurate information in my credit report along with some fraudulent account. they are affecting my ability to obtain credit so therefore I am submitting this complaint regarding inaccurate and fraudulent accounts reported on my consumer report that do not belong to me. These accounts are negatively impacting my ability to obtain credit, secure financial services, and conduct normal borrowing activities. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain maximum possible accuracy of all information they report. Additionally, under 15 U.S.C. 1681i, I have the right to a reasonable re investigation of any disputed information, and under 15 U.S.C. 1681s-2, furnishes are prohibited from reporting information they knowor should knowis inaccurate. Furthermore, under 15 U.S.C. 1681c-2, I am requesting the blocking and removal of these fraudulent accounts due to identity theft and unauthorized use of my personal information. I am requesting immediate deletion of all inaccurate and unauthorized information and confirmation of compliance. These errors have caused substantial harm to my financial reputation and have hindered my access to credit and essential financial resources.

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 2025-11-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I previously submitted a written dispute to AMERICAN HONDA FINANCE dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), AMERICAN HONDA FINANCE has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since AMERICAN HONDA FINANCE did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure AMERICAN HONDA FINANCE s immediate compliance with FCRA requirements. AMERICAN HONDA FINANCE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
I received a letter in the mail from BC SERVICES. It contains an account #, creditor, and balance. There arent any other details regarding the account. The letter lists an outrageous amount and states As attorney for BC Services , Inc., I am contacting you regarding the account ( s ) referenced in this letter. We are now reviewing this for legal action If you wish to avoid the potential costs and fees that could be associated with legal action, please pay the balance listed above in full..

I have never received any type of bill from the creditor listed in the letter, hence never paying it. This letter seems like a way of trying to threaten me into paying a debt I dont know anything about. There is no information about the original company, therefore I couldnt even attempt to contact them to resolve this issue.

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 2025-11-18 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: AR

Complaint narrative:
I am writing to formally dispute several accounts currently appearing on my credit file that contain inaccurate, misleading, or incomplete information, which does not accurately reflect my verified payment history or legal financial obligations. The first account, XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$12000.00} * *, has been previously included in a regular dispute letter, yet it continues to reflect reporting that does not match my records ; payments were consistently made on time, and the current reporting misrepresents my true credit behavior, creating an unjust impression of delinquency. Additionally, XXXX XXXX XXXX XXXX  with a balance of {$4000.00} * * is reported inaccurately, as my verified records confirm timely payments, yet the account is still marked with erroneous late activity that does not correspond to actual transactions. The XXXX XXXX * * account, which shows a zero balance * *, was also included in a previous dispute, but it continues to reflect incomplete information, suggesting unresolved activity where none exists, further misrepresenting my credit profile. Similarly, XXXX XXXX XXXX XXXX XXXX with a reported balance of {$13000.00}, has been included in prior correspondence, yet the account continues to show outdated or misleading payment data that fails to reflect my accurate payment history. FinallyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance {$2800.00} * *, continues to report in a manner inconsistent with my verified payment obligations, creating a false impression of noncompliance that could adversely affect my creditworthiness. 
These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA 607 ( b ) requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of all consumer information ; FCRA 611 ( a ) grants consumers the right to dispute inaccurate or unverifiable information and mandates that it be reinvestigated ; and FCRA 623 ( a ) ( 1 ) ( A ) and ( a ) ( 2 ) obligate furnishers to report only accurate information and promptly correct any discrepancies once identified. The accounts listed above collectively misrepresent my true financial behavior, contain unverifiable or outdated data, and have not been corrected despite prior communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
I received an email out of the blue saying I owed {$5700.00} to UH Hospitals, yet they failed to include what services, doctors etc. and on top of that, I haven't been to any UH facility in over XXXX years because we have had this problem with them before and I refuse to goto that hospital ever again because they have tried double billing me in the past and I have had to bring up bank receipts that showed they were paid. 

Not to mention they are getting sued all over the place currently for fraudulent billing practices. 

However, failing to provide me at least any information on what I'm supposedly supposed to send them over {$5000.00} for is a blatant red flag. 

Please also look at the " Credits applied '' since XXXX, I have never even spoken to these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-18 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: NJ

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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