vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-05-30 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: TN

Complaint narrative:
( XXXX, XXXX ), ( XXXX ), ( XX/XX/year> ), This CFPB complaint has been led 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 thef t 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 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 XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy - 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 thef t 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 thef t 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 non-monetary relief
Consumer complaint received 2025-05-30 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: Oliphant United, Inc.
State: FL

Complaint narrative:
In XXXX, I was 90 days behind on paying my loan to XXXX XXXX due to financial hardship. The accounts was approximately XXXX and the other for XXXX was charged off in XXXX of XXXX. Since then, the accounts were transferred to Oliphant in XX/XX/XXXX, however, only appeared on the XXXX and XXXX  credit report and not XXXX. That was until XX/XX/XXXX when XXXX  reported that the account was opened in XX/XX/XXXX which it wasn't. After a through investigation the account was removed from XXXX  account in XX/XX/XXXX but as of XX/XX/XXXX. I have been making payments to the account since XX/XX/XXXX however on the XXXX  credit report it shows I haven't been making any payments to the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am currently in the process of purchasing a home and pulled my credit report. I noticed I had 2 late payments at XXXX XXXX  on XX/XX/XXXX & XX/XX/XXXX. As far as I was aware, I had set this account to AutoPay so I was not aware of any late payments reported. On XX/XX/XXXX, I reached out to Equifax to investigate and adjust the 2 dates in question. I received a decision letter on XX/XX/XXXX, and although they said they modified the dates, they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: AL

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
My accounts were closed with no notice. The accounts have over {$5500.00} in them. I have not been able to obtain any timeline about when those funds will be given to me. They basically have told me that they can hold the funds for an indefinite time even though the reason for closure is not due to any issues with deposits.

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 2025-05-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: AXOS FINANCIAL, INC.
State: NJ

Complaint narrative:
Applied to Axos Bank and uploaded a photo ID. They declined my application with a non-specific email stating that they could not verify my identity from a current and valid state ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
I'm writing to dispute incorrect information that is currently being reported on my credit file. Let me be clear this account/item is not accurate, and it should have never made it onto my report in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: SC

Complaint narrative:
I am filing this complaint because my credit report contains several inaccurate and/or unverifiable items across TransUnion and Experian. I have attempted to resolve these issues with the credit bureaus but continue to see : Duplicate and conflicting reporting of a XXXX XXXX XXXX XXXX account, with one version showing late payments and another showing a perfect payment history. 

A charged-off account from XXXX XXXX XXXX that does not appear on Experian and is potentially unverifiable. 

Multiple hard inquiries I did not authorize, for which Ive requested verification under FCRA 604. 

I submitted a formal dispute letter ( attached ) to both bureaus requesting a full reinvestigation. I am now asking the CFPB to ensure these items are deleted if they can not be fully verified, and that the credit bureaus comply with the Fair Credit Reporting Act.

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 2025-05-30 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:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: AZ

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction.

1. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses do not correspond to my current or previous residences. 
My correct address is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I request that you update my credit report with my correct address and remove any incorrect or outdated addresses.

2. Unauthorized Credit Inquiries : The credit report lists several hard inquiries that I do not recognize and have no recollection of authorizing : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023

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 2025-05-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My name is misspelled in several of the companies, the room address they use is incorrect, the date of birth is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/year> my son received an email that his XXXX  account was restricted and to have his parent contact XXXX  I called the customer support number and was told my account was also suspended and they couldn't give me any information, to wait for an email and follow the directions. 
On XX/XX/year> I received 2 emails. The first asked me to upload my driver 's license and wait up to 7 days for a response. The second said my account had been flagged for high-risk activity in violation of their user agreement and I could no longer use XXXX  ever again. It gave instructions on how to transfer out my {$270.00} balance, but did not mention my son 's {$830.00} balance ( his XXXX  account is linked to mine ) I replied asking what we did to violate the user agreement. 
On XX/XX/year> I received a duplicate email to the day before. I replied asking how to dispute the decision. 
On XX/XX/year> I received an email saying they had reviewed my account activity and it would be permanently deactivated. They also said they would not answer any more questions. I called and spoke to someone who repeated the message in the emails. I asked her how to get the money out of my son 's XXXX  account. She said she would send an email to the account specialist and I would get an email with instructions. 
On XX/XX/year> I got an email saying they were holding the funds in my son 's account ( {$830.00} ) for loss prevention for up to 180 days and if they decide to release them, I'll get an email. Also, the same line saying they will not answer any more questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Your Name : XXXX XXXX  Date of Vehicle Purchase : XX/XX/year> Dealership : XXXX XXXX XXXX ( Insert specific location ) Alleged Lender : Westlake Financial Services I am filing this complaint regarding serious misconduct and misleading financing practices by XXXX XXXX XXXX, in connection with a vehicle I purchased and a loan that was later disapproved by Westlake Financial .

On XX/XX/year>, I signed a Retail Installment Sales Contract with XXXX XXXX XXXX. The contract was explicitly marked Assigned Without Recourse to Westlake Financial, meaning the dealership was transferring the risk of financing to the lender and the sale was presumed final.

I was : Told that I was approved for the loan, Given a monthly payment plan, Congratulated on my purchase, And the vehicle was delivered to me with no mention that it was subject to further approval.

More than 20 days later, I received a loan denial letter from Westlake Financial, and XXXX began trying to find a better financing option. In Florida, dealers are legally required to notify buyers within 10 calendar days if financing falls through. No such timely notice was provided.

I did not sign a second contract, did not agree to return the car, and I have not missed any payments because no account was ever properly established by the lender.

Now, I am being contacted by someone identifying themselves as XXXX XXXX, asking for the vehicles location to send a tow truck to reclaim it despite having : A valid, signed contract No legal cancellation No default What Went Wrong : This appears to be a case of yo-yo financing, a deceptive practice where dealers let buyers leave with a car and then try to reverse the deal after a fabricated financing issue. The actions of XXXX  and Westlake Financial may constitute : Deceptive lending or sales practices Violation of Floridas 10-day notice rule Misuse of lienholder status without an active loan Attempted wrongful repossession What Im Requesting : An investigation into this dealer-lender conduct A stop to any repossession efforts or threats Removal of any lien from my credit and DMV record if no loan was finalized Assurance that Westlake Financial is not falsely holding lien status or misreporting to credit bureaus Attached Documents : Retail Installment Sales Contract ( marked Assigned Without Recourse ) Westlake Financial loan denial letter Voicemail/text from XXXX XXXX regarding repossession Thank you for protecting consumers from misleading auto finance practices. 

Sincerely, 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 2025-05-30 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have multiple Navy Federal Closed Charged OFF Accounts, still reporting as a hard inquiring. They are still call me for to the debt, as well as a 3rd party is calling me for money. This is Illegal, I would like all NAVY FEDERAL CREDIT UNION accounts removed immediately since they violated my rights on sharing my personal information, and still controlling my credit and holding it back from rebuilding. I demand this under the nation of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
this company is using misleading tacticts, deceving all these fees, The credit limit was very low as { {$500.00} }. They did not disclose the annual fee of { {$120.00} } will be charged within 5 months after the card was issued. The fee is almost 30 % of the credit limit and they will charge to added fees. The interest rate is very high at 36.00 % and the balance goes up to the point that Its impossible will be not able to pay off. I am an XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America recovered {$310000.00} credit from disputed charge. In XXXX, XXXX, I requested reimbursement of {$30000.00}. Several members of Bank of America Fraud Department, ( XXXX ) XXXX, assured me I will receive rembursement check within XXXX working days. Today is XX/XX/XXXX and I have received no communication and no reimbursement of {$30000.00}. I need my cash reimbursement for family health payments. Bank of America can not track payment, or deposit cash in account. XXXX Bank of America said to me they were writing another check for me and I should receive it within XXXX working days. I offered to pay {$20.00} to XXXX to overnight my check to my home and they said, " We can not do those things! '' Bank of America is denying me access to my own money. They are thieves. Managers in XXXX, CA, XXXX Bank of America refused to help 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 monetary relief
Consumer complaint received 2025-05-30 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: RI

Complaint narrative:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts within 4 days : 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6400.00} Inquiries XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/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 explanation
Consumer complaint received 2025-05-30 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:
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 response to consumer: Closed with explanation