vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I originally financed my vehicle through a dealership, and the loan was initially held by XXXX XXXX XXXX. The loan was later transferred to XXXX XXXX. 

During the transfer process, the dealer told me I would pay less under the new loan and pressured me to urgently sign paperwork. I was out of town, so my brother signed the documents on my behalf. I was in communication, but the dealer insisted the documents had to be signed immediately, leaving me no time to properly review the new terms or understand the loan transfer process. 

In XX/XX/year>, I paid off the loan in full by making multiple large payments to XXXX. On XX/XX/XXXX, XXXX confirmed that the loan balance was {$0.00} and that the XXXX would be released on XX/XX/XXXX. They also stated that I would receive a XXXX  satisfaction letter in the mail within XXXX business days. 

It is now early XXXX and I still have not received the title or XXXX release letter. I contacted the New York XXXX, and they confirmed that the XXXX is still active under XXXX XXXX XXXX. This indicates that the lender failed to notify XXXX properly. 

I followed up with XXXX several times, but each support ticket was closed without resolution. This has prevented me from transferring or registering my vehicle. 

In addition to the issues with XXXX, I also believe the dealership engaged in misleading and dishonest conduct during the loan transfer process. They rushed the signing, misrepresented the benefits, and put me in a vulnerable position. 
I respectfully ask that the dealerships actions be investigated as part of this complaint. 

I am attaching proof of my payments and XXXX written confirmation of loan payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 non-monetary relief
Consumer complaint received 2025-07-03 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Village Capital & Investment LLC
State: PA

Complaint narrative:
Ive attached emails with dates asking why a {$30.00} default related fee keeps appearing on my mortgage statement. I was told fee is for an inspection but one never took place since my mortgage payments were brought current. As of today, the same charge is on my monthly statement additionally, they have added a {$45.00} late fee charge. I pay my mortgage online along with any late fee. The paper statement does not reflect my online statement but I have been asking about this for months. Im not available by phone and have requested that they respond in writing only to continue to get the run around. Also I want to pay for my insurance separate from my mortgage so I can pay my mortgage off faster and so get the legal jargon yet they like to attach fees without explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grow Credit Inc
State: KY

Complaint narrative:
I am writing to file a formal complaint against Grow Credit , Inc. regarding their erroneous and damaging reporting of my credit account, which has severely impacted my credit score and financial well-being. I enrolled with Grow Credit , Inc. with the understanding that their service would help build my credit, as advertised. However, their actions have resulted in unjustified negative reporting on my credit report, including late payments and a reported balance of {$200.00} on an account closed since XX/XX/XXXX, XXXX balance I dispute owing. 
Despite my good-faith efforts to resolve this, Grow Credit has been uncooperative and unresponsive, refusing to correct the inaccurate information. The account details show only XXXX  % of payments made on time, with instances of XXXX days late, yet I have no recollection of owing or missing payments to justify this reporting. This suggests either false advertisementmisrepresenting their service as credit-building when it harms creditor predatory practices designed to damage consumers financial standing. A consumer dispute reinvestigation is currently in progress, but the lack of resolution indicates a failure to comply with their obligations. 
I believe Grow Credit , Inc. has violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), by failing to conduct a thorough investigation and correct inaccurate data after my dispute. This has caused me significant distress and financial harm. I request that the CFPB investigate Grow Credits reporting practices, hold them accountable for their predatory behavior, and compel them to remove all negative entries related to this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate: XXXX XXXXTo:\nExperian\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRE: Follow-Up Dispute Notice  XXXX XXXX XXXX Account XXXX XXXX XXXXFCRA Violations: Continued Reporting of Inaccurate Account Information\n\nTo Whom It May Concern,\n\nThis letter serves as a formal follow-up to my prior dispute regarding the XXXX credit card account ending in XXXX  which continues to be reported inaccurately on my credit profile despite my previous written request for correction under the Fair Credit Reporting Act (FCRA), 15 U.S. Code  1681i.\n\nI am requesting immediate reinvestigation and correction/removal of this XXXX  account, which is being reported erroneously. This inaccurate reporting constitutes a willful and/or negligent violation of the FCRA, particularly:\n15 U.S. Code  1681i(a)  Failure to conduct a reasonable reinvestigation within the 30-day period.\n\n15 U.S. Code  1681s-2(b)  Furnishers duty to investigate and correct inaccurate information.\n\n15 U.S. Code  1681e(b)  Failure to ensure maximum possible accuracy in reporting.\n\nDespite my good-faith efforts to resolve this matter, the credit bureaus have failed to act in accordance with federal law. If this item is not immediately corrected or removed, I am prepared to pursue all legal remedies available, including:\nFiling complaints with the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC)\nSeeking monetary damages in civil court for willful and negligent noncompliance under 15 U.S. Code  1681n and  1681o\nPlease conduct a proper investigation and provide written confirmation that the XXXX account in question has been deleted or corrected. If you believe the account is being accurately reported, then provide complete documentation from XXXX XXXX XXXXerifying the legitimacy, balance, and reporting status of this account.\n\nEnclosed are copies of my previous dispute, identification, and any supporting documents to assist with this process.\nYou have 15 days from receipt of this letter to respond and correct this error. Failure to do so will result in immediate legal escalation without further notice.\nSincerely,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 2025-07-03 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 non-monetary relief
Consumer complaint received 2025-07-03 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: 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
This letter serves as a formal dispute regarding the exposure of my personal information in the data breach incident. My information was among those affected by this incident. 
I understand that [ EQUIFAX ] experienced a security incident, resulting in unauthorized access to, and/or theft of, personal information. The incident involved [ brief, clear description of the breach - e.g., unauthorized access to an employee email account, a security vulnerability in your system, etc. ]. Potentially compromised data types may include : [ List of potentially compromised data types, e.g., Full Name, Email Address, Phone Number, Account Information, Payment Information, Social Security Number ]. 
The security of data is a concern, and failure by [ EQUIFAX ] to safeguard personal information is formally disputed. This incident potentially violates consumer rights under applicable data privacy laws, including [ 15 USC 1681c-2 ( a ) such as the California Consumer Privacy Act ( CCPA ) if applicable, or state-specific data breach notification laws ]. [ EQUIFAX ] is held responsible for this breach and any potential consequences. 
The following actions are requested : A detailed explanation of the incident : Provide a clear and comprehensive account of how the data breach occurred, including the cause and extent of the breach. 
Specific information about the compromised data : Confirm exactly which pieces of personal information were affected. 
Remediation actions : Describe the steps [ EQUIFAX ] has taken to contain the breach, prevent future incidents, and mitigate potential harm to affected individuals. 
Offer of identity theft protection services : Provide detailed information about the identity theft protection services being offered, including the duration and instructions for enrollment. 
Compensation for direct financial impact : If any financial losses occur directly related to this incident, appropriate compensation is expected. 
Confirmation of CCPA compliance ( if applicable ) : If a business is covered under the California Consumer Privacy Act, confirm that all notification requirements have been met and that steps are being taken to address rights under the CCPA. 
A response to this letter is expected within [ 4 days ]. If a satisfactory response is not received, or if any further issues arise because of this data breach, further action will be considered, such as filing a complaint with the appropriate regulatory bodies or seeking legal counsel. 
Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX ] [ XXXX ] [ XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-03 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:
This letter serves as a formal dispute regarding the exposure of my personal information in the data breach incident. My information was among those affected by this incident. 
I understand that [ EQUIFAX ] experienced a security incident, resulting in unauthorized access to, and/or theft of, personal information. The incident involved [ brief, clear description of the breach - e.g., unauthorized access to an employee email account, a security vulnerability in your system, etc. ]. Potentially compromised data types may include : [ List of potentially compromised data types, e.g., Full Name, Email Address, Phone Number, Account Information, Payment Information, Social Security Number ]. 
The security of data is a concern, and failure by [ EQUIFAX ] to safeguard personal information is formally disputed. This incident potentially violates consumer rights under applicable data privacy laws, including [ 15 USC 1681c-2 ( a ) such as the California Consumer Privacy Act ( CCPA ) if applicable, or state-specific data breach notification laws ]. [ EQUIFAX ] is held responsible for this breach and any potential consequences. 
The following actions are requested : A detailed explanation of the incident : Provide a clear and comprehensive account of how the data breach occurred, including the cause and extent of the breach. 
Specific information about the compromised data : Confirm exactly which pieces of personal information were affected. 
Remediation actions : Describe the steps [ EQUIFAX ] has taken to contain the breach, prevent future incidents, and mitigate potential harm to affected individuals. 
Offer of identity theft protection services : Provide detailed information about the identity theft protection services being offered, including the duration and instructions for enrollment. 
Compensation for direct financial impact : If any financial losses occur directly related to this incident, appropriate compensation is expected. 
Confirmation of CCPA compliance ( if applicable ) : If a business is covered under the California Consumer Privacy Act, confirm that all notification requirements have been met and that steps are being taken to address rights under the CCPA. 
A response to this letter is expected within [ 4 days ]. If a satisfactory response is not received, or if any further issues arise because of this data breach, further action will be considered, such as filing a complaint with the appropriate regulatory bodies or seeking legal counsel. 
Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX ] [ XXXX ] [ XXXXXXXX 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 2025-07-03 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 formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief