vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
XXXX are reporting charge offs late payment for accounts that have been charged of and obtained fraudulently effecting my fico score XXXX 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 2025-12-02 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: VA

Complaint narrative:
I, XXXX XXXX XXXX, being duly sworn, depose and state the following under penalty of perjury : XXXX Statement of Facts XXXX. Personal Information : I am a resident of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and I am the rightful owner of the personal and financial information associated with this complaint. 
XXXX. Data Breach Acknowledgment : I was a victim of the Equifax data breach, National public data publicly acknowledged by Equifax in XX/XX/XXXX, which exposed the sensitive personal and financial information of millions of individuals, including mine. 
XXXX. Accounts in Question : As a direct result of the data breach, fraudulent accounts were opened or attempted to be opened in my name without my authorization. The following accounts are fraudulent. 
XXXX XXXX XXXX XXXX XXXX XXXX. Equifax 's Liability : Equifax failed to adequately safeguard my sensitive personal information, which led to these fraudulent activities. This constitutes a violation of their duty to protect consumer information under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). 
XXXX Legal References XXXX. Fair Credit Reporting Act ( FCRA ) : Under the FCRA, consumers have the right to : Dispute inaccurate information on their credit reports ( 15 U.S.C. 1681i ).

Expect credit reporting agencies to take reasonable steps to verify disputed information ( 15 U.S.C. 1681s-2 ).

Be free from negligence in handling their credit information ( 15 U.S.C. 1681n and 1681o ). 
XXXX. Identity Theft Protection Act : Equifax is obligated to ensure reasonable measures are in place to prevent unauthorized access to personal and financial data, as per federal guidelines for safeguarding sensitive consumer data. 
XXXX Relief Requested XXXX. Immediate removal of the fraudulent accounts from all credit reports issued by Equifax and other credit reporting agencies. 
XXXX. A thorough investigation into the inaccuracies reported. 
XXXX. Compensation for damages incurred, including harm to my credit and emotional distress caused by this breach. 
XXXX Declaration I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct to the best of my knowledge and belief. 
Name : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: AZ

Complaint narrative:
I have made three separate attempts to dispute these items that are filled with inaccurate information across all three bureaus on my credit report and have not received any documentation or proof of validation from the credit bureau. Furthermore, I received correspondence requesting that I provide updated account details for each disputed item, along with proof of identification, before any further investigation could proceed. Given this, it would have been impossible for my disputes to be lawfully verified and updated ( as noted ) without a complete reinvestigation, which constitutes a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

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 2025-12-02 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-02 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: TX

Complaint narrative:
Despite consistently meeting all payment deadlines, this issue has caused undue stress and sleep disturbances. It's concerning to face repercussions for actions I haven't taken. I kindly request an immediate correction to my account to reflect accurate information and mitigate the stress caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I have a XXXX closed-end auto loan with Westlake Financial ( account XXXX XXXX ). I have made every payment on time with Westlake, and I have never been 30 days past due during their servicing period. 

On XX/XX/XXXX, I made what should have been my XXXX and final contractual installment : {$290.00} + {$15.00} NSF fee = {$310.00}. 
The payment posted to my account on XX/XX/XXXX. 

Instead of applying this as the final installment under the retail installment contract, Westlake misapplied the payment as a partial payoff, not as the XXXX scheduled payment. As a result : They left my loan showing Terms Paid : XXXX They left Remaining Term : XXXX They added a false Past Due status They added new late fees that were never owed They continued adding daily interest based on a payoff quote I never requested They increased the claimed balance to ~ {$570.00} {$610.00} They refused to close the loan On XX/XX/XXXX, I contacted Westlake via their support system and explained the misapplication and requested correction. I received a scripted response on November 2627, 2025 claiming this was a simple interest issue and treating my installment as a payoff. 

On XX/XX/XXXX, I replied again and formally requested escalation to Compliance and Account Servicing because the payment was misapplied and the contract was not being honored.

Westlake then called me on XX/XX/XXXX. When I returned the call, I explained the issue clearly. After stating that my XX/XX/XXXX payment must be reapplied as the final contractual installment, I was placed on hold for XXXX minutes and then disconnected with no resolution. 

On XX/XX/XXXX, my dashboard updated to show new late fees, an inflated XXXX XXXX, and an even higher payoff quote, despite the fact that I had already made the XXXX scheduled payment and owed nothing further under the contract. 

This appears to be : Misapplication of a scheduled installment Improper demand for additional funds Creation of false delinquency Failure to follow the amortization schedule of a closed-end loan Failure to respond appropriately to a servicing dispute I am requesting : Correct reapplication of the XX/XX/XXXX payment as my final installment. 

Removal of all improper late fees and charges created by this error. 

Correction of my account to Paid in Full. 

XXXX XXXX release. 

Written confirmation that the matter is resolved. 

I can provide screenshots and copies of all correspondence upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
This account does not belong to me and is being reported inaccurately.

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 2025-12-02 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: PA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My personal information was used without my permission, and fraudulent accounts were opened in my name. Ive taken all the proper steps filed police reports, contacted the credit bureaus, and notified the creditors yet these false accounts remain on my report. Its deeply frustrating and unfair. Im simply asking for whats right : to have my identity restored and the inaccurate information removed so I can move forward with my life.

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 2025-12-02 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed theseXXXX XXXXthat I did not authorize, and I believe these are result of fraudulent activity.

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX filed for bankruptcy and announced their immediate shutdown on XX/XX/XXXX. They closed all operations and stopped providing treatment without notice, leaving my dental alignment plan incomplete and unfinished. 

Despite the companys bankruptcy and failure to complete services, my account was later sent to Tek Collect for collections. 

On XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX XXXX XXXX and XXXX XXXX XXXX directly to request documentation and clarification. I asked for proof of services completed, an itemized final account statement, and validation of the balance being claimed. I did not receive any of the requested information. 

This is an invalid debt because the company breached the contract by failing to provide the treatment I paid for. I can not be held financially responsible for services that were never completed. Tek Collect has not provided any documentation validating the debt or showing completion of services. 

I am requesting that this collection be removed from all credit bureaus because the original creditor is bankrupt, services were not completed, and the debt can not be validated. Many other consumers are experiencing this same issue with XXXX XXXX XXXX. 

This inaccurate collection has caused unnecessary credit damage and financial stress for services that were never completed and could not be provided due to XXXX XXXX XXXX bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: Yamaha Motor Finance Corporation USA
State: CO

Complaint narrative:
Subject : Improper Charge-Off Reporting by Yamaha Motor Finance FCRA 623 & FFIEC Violations Summary of Issue : Yamaha Motor Finance is inaccurately reporting my auto loan as a Paid Profit & Loss / charge-off despite the fact that I was never more than 30 days past due and I paid the account in full on XX/XX/year>. This reporting is materially false, harmful, and violates the Fair Credit Reporting Act ( FCRA 623 ), the CFPB Furnisher Rule, and the FFIEC Uniform Retail Credit Classification and Account Management Policy.

Details and Facts : I paid Yamaha {$3900.00} in full on XX/XX/year>. I have attached bank evidence showing the exact debit card transaction to Yamaha. 
My XXXX  credit report shows only three 30-day late payments, zero 60-day late payments, and zero 90-day late payments.

FFIEC guidelines require an installment loan to be 120+ days delinquent before a charge-off. I never reached that threshold.

Yamaha closed the account on XX/XX/year>, AFTER my full payoff had already posted.

Yamaha also reported a last payment date of XX/XX/year>, contradicting their own data and my bank records.

Yamaha sent a notice indicating the account was charged off preemptively because they believed I was unlikely to pay. This is not a lawful or regulatory basis for charging off an account.

As a result, Yamaha is reporting a charge-off that did not occur, based on criteria that are not compliant with FFIEC standards and FCRA accuracy requirements.

Regulatory Concerns : FCRA 623 requires furnishers to report information that is accurate and complete.

The CFPB Furnisher Rule ( 1022.42 ) requires furnishers to have reasonable procedures ensuring accuracy.

FFIEC prohibits premature charge-off classification without actual 120-day delinquency.

Yamaha is furnishing derogatory information that is factually incorrect and unsupported.

Requested Resolution : I am requesting the CFPB assist in requiring Yamaha Motor Finance to : Delete the inaccurate Paid Profit & Loss / charge-off tradeline entirely OR Correct the account to reflect the accurate status : Paid in Full Never More Than 30 Days Late.

Provide documentation validating the charge-off, including delinquency records, or confirm deletion if they can not support the reporting.

Attachments I am providing : Full professional dispute packet ( PDF ) Bank statement evidence of payoff Credit report screenshots showing delinquency history ( 3/0/0 ) Zoomed payoff transaction snippet My dispute letters to Yamaha and XXXX  Yamahas reporting is inaccurate, non-compliant, and materially damaging. I am requesting CFPB intervention to compel proper correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: KY

Complaint narrative:
I am writing to notify you that I have been a victim of the Equifax data breach, which compromised the confidential personal information of millions of individuals.

After reviewing my credit report, I have identified several accounts and inquiries that I do not recognize, were not authorized by me, and were clearly opened or initiated by third parties using my stolen personal information, or are otherwise inaccurately reported on my credit file.

The information in question is as follows : - Account : Inquiry : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ), I am formally demanding the immediate blocking, deletion, and permanent removal of all fraudulent accounts, inquiries, and any related information from my credit report.

Because this matter involves identity theft, you are legally required to : 1. Block this information within 4 business days, 2. Conduct a reasonable reinvestigation, and 3. Notify any furnishers of the disputed information, as outlined under FCRA 15 U.S.C. 1681c-2 ( a ) ( c ).

I respectfully request that my statement be taken seriously and that all legal protections and procedures be applied to block and delete this unauthorized information from my credit report. Please send written confirmation once the fraudulent information has been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: IL

Complaint narrative:
Western Union Money Order Refund Not Issued Request for Full Refund of {$440.00} I am filing this complaint because Western Union has refused to complete my refund for a money order, despite submitting all required documents multiple times. 

Here are the details : Money Order Amount : {$1400.00} Refund Received : {$1000.00} Refund Still Owed : {$440.00} Refund Fee : Western Union already deducted the {$15.00} processing fee Money Order Status : Western Union confirmed the money order was NOT cashed Since XX/XX/year>, I have been trying to obtain my full refund. I submitted every document Western Union requested, including : Clear photos of the money order Clear photos of the receipt Clear photos of the debit card used for purchase A copy of the XXXX receipt where the money order was purchased The refund request form Multiple email submissions following their instructions A new resubmission through the link they sent me again in XXXX Despite this, Western Union keeps telling me that my proof is missing, even though the documents are perfectly clear and readable. Every time I speak to an agent, they give me a different excuse. Recently, an agent confirmed to me that the number they needed was clearly visible in my photos, yet I still received an email saying documents were missing. 

Western Unions actions are unreasonable, unprofessional, and have caused unnecessary stress and delays. 
This is not a case of lost or stolen money order it is Western Union withholding part of my refund without valid reason. 

I am requesting : 1. Immediate refund of the remaining {$440.00} 2. A full explanation for the repeated denial 3. An investigation into why my complete documentation keeps being rejected I have all proof, screenshots, emails, and every document I submitted. 

Thank you for your assistance. I need this matter resolved as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 2025-12-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
We opened a checking savings account in XXXX, we took money from the checking and put it in the savings. The account was in place and on XXXX we deposited another check, there was no problems. Then on XXXX we received an email that said our savings account was on hold. When we called they did not know why and would not give in writing it was off hold and in fact said they did not know when it would and they would never send an email stating it was off hold, their hold on the app said they would. So on the phone XXXX different employees gave XXXX different answers and none made sense. 

I need to be able to access my money and want to file claims on them for illegally holding my account. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MD

Complaint narrative:
These unauthorized inquiries on my credit report by several companies have directly harmed my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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 submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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