vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I came across a listing for a XXXX XXXX  XXXX XXXX ( XXXX XXXX  ) on XXXX XXXX and contacted the seller, who directed me to the dealership located at XXXX XXXX XXXX, XXXX XXXX operating under the name XXXX XXXX XXXX XXXX. 

Upon visiting the dealership, I was shown the vehicle and we agreed on a total cost of {$15000.00} ( which included {$12000.00} for the car, taxes, and warranty ). I noticed some tire issues, and the dealer assured me these would be fixed by their mechanic the following day before handing over the car. 

They then told me that as a first-time buyer, I wouldnt be eligible for a loan through XXXX and suggested applying through Westlake Financial at an initial interest rate of 9 %, promising it would be refinanced to 6 % via XXXX after three months. They mentioned Id receive a loan verification link from the bank. 

On XX/XX/XXXX, I signed all necessary paperwork by hand at the dealership. I was not provided digital copies or email confirmations. When I asked for physical copies, I was told their printer was not working and that the documents would be given to me upon collecting the vehicle. 

On XX/XX/XXXX, I picked up the car and received the document copies. I was also told to take care of the tire repairs myself and send them the invoice, which they said would be reimbursed. However, after reaching Maryland and taking the car to a mechanic, I was informed that the vehicle also had a major engine oil leak. 

When I called the dealership, they advised me to get all repairs done and claim them under the warranty. I then contacted Westlake Financial, who told me I needed to make a payment of {$520.00} to activate the warranty. Out of curiosity, I asked for my loan balance and was shocked to learn that the loan was for {$25000.00} at 12 % interest, not the agreed-upon {$15000.00}. 

I immediately called the dealership and was told by the sales agent that this was not the final amount and would change after refinancing but when I asked for clarification, he repeatedly told me that I dont understand financing. This raised serious concerns, and I requested to return the car. 

I was then directed to the manager, who told me that {$25000.00} is the final price, and there would be no refinancing. When I mentioned returning the vehicle, he informed me that the down payment is non-refundable, and I would be charged : {$0.00} per mile driven {$99.00} per day for rental {$1300.00} in repossession fees I contacted the bank again, asking them to cancel the loan, but they said it can not be canceled and that they can only request the seller to buy back the car. Meanwhile, the dealership claimed they were working with a bank representative directly implying they have internal contacts, making me feel completely helpless and misled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian and XXXX XXXX I have disputed this debt on my credit report for {$620.00} several times and they tell me to dispute it and it will go into investigation and they keep denying my claim even though I provided that I was not at XXXX XXXX  on the day of the incident. I submitted documents from my work stating that I was at work on the day in this charge took place. This is clearly fraud and they will not take it off my credit.

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 2025-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
I was contacted by a debt collector from BC Services on XX/XX/year> at XXXX. During the call, the representative asked me to provide personal identifying information for my XXXX  child, including his XXXX and his XXXX. 

This request is highly inappropriate and raises concerns about privacy violations and potential identity theft. XXXX are not responsible for debts, and there is no legitimate reason a collection agency should be requesting their personal information. 

I am extremely concerned about how my child 's information is being handled and whether this may involve unlawful collection practices or data misuse. 

I am requesting that the CFPB investigate this matter and ensure that the agency is held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: AL

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 explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
On XXXX Fay Services is going up on my mortgage for the 2nd time in months since they tried to foreclose on me last XX/XX/year> they will give me a copy of my interest rate that I never signed with them but making excuses about my insurance and property taxes I have never signed anything with them for them to take my mortgage from 3.87 % to XXXX my mortgage supposed to 3.87 % the rest of my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I found out about XXXX XXXX  had placed a collection on my credit out of no where. I have not had any tv or anything from XXXX in years. I never got letters from the company stating I had an amount owing to them. Then XXXX day it showed up on my credit report. I contacted the credit bureau and they removed it immediately after I filed a complaint. They found it not to be mine. Then it reappeared a year or less later on my credit report. I filed another report with the credit bureau through XXXX XXXX. Its ongoing right now. Now Im getting text messages from a company saying I owe them {$660.00} and I can settle for {$400.00}. They will not leave me alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: 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 explanation
Consumer complaint received 2025-07-14 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXXXXXX XXXX  Account Number XXXX Balance : {$190.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX Balance : {$820.00} Open Date XX/XX/XXXXXXXX XXXX XXXX  Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX  Account Number XXXX Balance XXXX {$0.00} Open Date XX/XX/XXXXXXXX XXXX XXXX Account Number XXXX Balance : {$710.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$11000.00} Open Date XX/XX/XXXX XXXX XXXX Account Number XXXX Balance : {$1300.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$740.00} XXXX Date XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail.

In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX XXXX XXXX  {$750.00} XXXX {$0.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the reporting of a charged-off XXXX XXXX account, for {$2100.00} and {$1900.00} that has recently appeared on my credit reports. I became aware of this derogatory tradeline only after my loan officer reviewed my credit file during the home loan approval process. I have never opened, authorized, or consented to being added to this account in any capacity. I do not recognize this account and have no knowledge of its origin, usage, or responsibility. To the best of my knowledge, this tradeline was added to my report without my permission or involvement. This unauthorized and inaccurate account is now significantly harming my credit profile, adversely affecting my credit scores and increasing my debt-to-income ratiojeopardizing my ability to close on a pending home loan. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only information that is accurate, complete, and verifiable. As this account was not authorized by me and is therefore fraudulent or reported in error, I am formally demanding that XXXX and/or the credit bureaus immediately remove this tradeline from my 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 explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the reporting of a charged-off XXXX XXXX account, for {$2100.00} and {$1900.00} that has recently appeared on my credit reports. I became aware of this derogatory tradeline only after my loan officer reviewed my credit file during the home loan approval process. I have never opened, authorized, or consented to being added to this account in any capacity. I do not recognize this account and have no knowledge of its origin, usage, or responsibility. To the best of my knowledge, this tradeline was added to my report without my permission or involvement. This unauthorized and inaccurate account is now significantly harming my credit profile, adversely affecting my credit scores and increasing my debt-to-income ratiojeopardizing my ability to close on a pending home loan. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only information that is accurate, complete, and verifiable. As this account was not authorized by me and is therefore fraudulent or reported in error, I am formally demanding that XXXX and/or the credit bureaus immediately remove this tradeline from my 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 2025-07-14 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: LA

Complaint narrative:
I have previously disputed Experian, XXXX XXXX XXXX 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 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 2025-07-14 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: GA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
My vehicle was totaled and a large insurance check was sent to Ally financal the amount left was to be covered by gap insurance when payment was not sent from gap I made the payment immediately as well as a second payment on account and balance still shows the total amount to be delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: AL

Complaint narrative:
I regularly monitor my credit report because my credit score is extremely important to me. However, I continue to see false and inaccurate information that has yet to be corrected despite my repeated attempts to address the issue. This has become a recurring and unresolved problem, causing significant stress and negatively affecting both my life and credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed a collection account that I am not responsible for. I did not open, authorize, or consent to any debt of this nature.

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 2025-07-14 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: AR

Complaint narrative:
A hard inquiry listed on my credit report was not authorized by me, nor do I recognize the entity responsible. I did not apply for credit or consent to a credit check by this company.

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 2025-07-14 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: SC

Complaint narrative:
I am in the process of onboarding for a new job. My new employer was unable to get my report from TransUnion. TransUnion informed me that my account has been suppressed and that I would need to send them a copy of my social security card and photo ID. The representative told me it would take up to five business days to process my request. 

I sent the documents in at significant personal cost through the USPS as I wanted express service. The letter arrived at the TransUnion XXXX XXXX on XX/XX/XXXX. It is now XX/XX/XXXX and my account is still suppressed, even though it has been well over five business days.

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