vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I took a loan with Wilshire Consumer Credit and received {$2900.00}. WCC has received 34 out of 36 payments of {$230.00} for a total of {$7900.00}. At the end of XXXX it came to my attention that my 1st 5 payments went completely to interest and that the balance on the loan was over {$1000.00} although I had only 2 payments left. I inquired about what my payoff was and that's when the games began.

At 1st I was told it was a maturity payoff then was another story and then another. I refused to make the last 2 payments and thus was repossessed on XX/XX/year> where they took the car from the location it was parked at to over XXXX miles away knowing that Repo was bogus and I o

n SS Disability They now are demanding 2 separate repo fees of {$500.00} and another for the same repo of {$570.00} in addition to {$1400.00} in interest and late fees including payment 35 & 36. The unexpected Balance Due and drastic changes in payoff amounts seems to be a recurring theme.

The lack of notice of repo after unwilling to rectify there accounting, their rejecting all resonable options of offers in good faith have been refused. It's a pattern that started before Repo and has become increasingly a
ggressive and frustrating with the difficulty of resolving issues with Wilshire, particularly due to the company 's customer service or call center location, which may be overseas and many speak with a heavy accent which is hard to understand. 

Once again I am XXXX and feel like I am being scammed as they have not provided any good faith that the car is not damaged or that they have not already auctioned it. XXXX XXXXXXXX XXXX XXXX XXXX out of XXXX, FL has been complicit. 

WCC has committed fraud and I can prove it. I would rather file bankruptcy then pay another scent and take my chances with litigation at this point.

It's not about the $ but out of principle no pun intended!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: ME

Complaint narrative:
I previously filed a dispute to Chime because I had a transaction that I did not authorized. I believed the transaction was on maybe XX/XX/XXXX or XXXX for the amount of {$600.00} from something called XXXX. I stated that I didnt know that website or actually never needed it a lawyer for me to pay for something like this. They apparently looked into it and they said that they didnt found any errors. I was so upset because I did not made the transaction and also they wanted me to provide any documentation which of course I dont have because I dont know this place or have done business with them for me to have any documentation. This is actually not the first time that this happened to me. Another time I had a charged from XXXX for XXXX which I have never pay then before for any service. I had a transaction from XXXX for like XXXX which I didnt make and also got denied for the dispute transaction. 

I dont know what are they doing or what kind of business are they running but that have never happened to me with another financial institution. Other places have actually take their time to investigate and provide me with a credit while they do the investigation. And when you try to speak to them about the issue, they dont let you speak and are really rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes.

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 

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 2025-06-17 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:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$8100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$1100.00} XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$290.00}

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 2025-06-17 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: NC

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

1681c-2 ) that you, the XXXX 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 Address : XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5100.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: IL

Complaint narrative:
CFPB ESCALATION COMPLAINT LETTER To : Consumer Financial Protection Bureau Re : Case No. : XXXX | XXXX XXXX XXXX XXXX XXXX Dear CFPB Investigator, This letter serves as a formal escalation and supplement to the above-referenced complaint. 
Following XXXX XXXX XXXX response, I have identified substantial violations of both federal and Illinois consumer protection law. These violations constitute harm to me both financially and reputationally and have caused lasting negative impacts to my credit and equitable interest in the original financing instrument. 
________________________________________ Violations Identified : 1. Failure to apply third-party payments accurately : XXXX received XXXX {$24000.00} via XXXX XXXX and GAP coverage but continued to reflect a balance due and reported the account as charged-off misrepresenting the debt in violation of 15 U.S.C. 1681s-2, 1681e ( b ), and 12 U.S.C. 5531 ( UDAAP ). 
2. Failure to provide unmarred original application : Despite lawful requests, XXXX has not produced a copy of the original, unredacted credit application as required under 15 U.S.C. 1681g ( a ). This document is critical to determine the true contractual terms and whether consent was obtained under informed conditions.

3. Withholding of material terms and finance disclosures : The failure to properly disclose finance charges, insurance reimbursements, and residual balances contradicts 15 U.S.C. 1631 and 1638 of the Truth in Lending Act and constitutes both deceptive and unlawful conduct under 815 ILCS 505/2.

4. Retention of unearned finance charges : Where a contract is satisfied through insurance and GAP coverage, any further collection or retention of finance charges is legally questionable. I request CFPB scrutiny under TILA, state fraud statutes, and unjust enrichment doctrine. 5. Failure to acknowledge sub
mitted Allonge modifying instrument : I lawfully submitted an Allonge to the original contract pursuant to UCC 3-204 and 3-305, amending the instrument to reflect updated terms and beneficial interest. Santanders failure to acknowledge this amounts to an impairment of my right to assert interest in the underlying contract. 
________________________________________

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 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
CFPB ESCALATION COMPLAINT LETTER To : Consumer Financial Protection Bureau Re : Case No. : XXXX | XXXX XXXX XXXX XXXX XXXX Dear CFPB Investigator, This letter serves as a formal escalation and supplement to the above-referenced complaint. 
Following XXXX XXXX XXXX response, I have identified substantial violations of both federal and Illinois consumer protection law. These violations constitute harm to me both financially and reputationally and have caused lasting negative impacts to my credit and equitable interest in the original financing instrument. 
________________________________________ Violations Identified : 1. Failure to apply third-party payments accurately : XXXX received over {$24000.00} via XXXX XXXX and GAP coverage but continued to reflect a balance due and reported the account as charged-off misrepresenting the debt in violation of 15 U.S.C. 1681s-2, 1681e ( b ), and 12 U.S.C. 5531 ( UDAAP ).

2. Failure to provide unmarred original application : Despite lawful requests, XXXX has not produced a copy of the original, unredacted credit application as required under 15 U.S.C. 1681g ( a ). This document is critical to determine the true contractual terms and whether consent was obtained under informed conditions.

3. Withholding of material terms and finance disclosures : The failure to properly disclose finance charges, insurance reimbursements, and residual balances contradicts 15 U.S.C. 1631 and 1638 of the Truth in Lending Act and constitutes both deceptive and unlawful conduct under 815 ILCS 505/2.

4. Retention of unearned finance charges : Where a contract is satisfied through insurance and GAP coverage, any further collection or retention of finance charges is legally questionable. I request CFPB scrutiny under TILA, state fraud statutes, and unjust enrichment doctrine.

5. Failure to acknowledge submitted Allonge modifying instrument : I lawfully submitted an Allonge to the original contract pursuant to UCC 3-204 and 3-305, amending the instrument to reflect updated terms and beneficial interest. Santanders failure to acknowledge this amounts to an impairment of my right to assert interest in the underlying contract. 
________________________________________

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 2025-06-17 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
A dispute was submitted on XX/XX/year> and the results came back on XXXX. Now I login to my portal and unable to see anything that was submitted or came back from this dispute. Upload it to my Transunion portal ASAP because this is very critical and important for me to have.

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 2025-06-17 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 am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} INQUIRIES : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports

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 2025-06-17 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: AZ

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Attached are documents supporting my claim, including a copy of my credit report with the disputed account highlighted, and proof of identity. Remove these fraudulent accounts and inquiries now. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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 2025-06-17 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer services and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account Vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress and these violations.

Company response to consumer: Closed with explanation