vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX Subject : Continued Reporting of Inaccurate Payment History and Failure to Verify Under FCBA and FCRA I, XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau to report a violation of my rights under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ). This complaint is submitted on my own behalf as a natural person.

Thirty-five ( 35 ) days ago, I submitted a direct dispute regarding the inaccurate payment history listed on my credit file. To date, I have not received any documentary evidence proving that the reported late payments are accurate, nor have I received a proper method of verification from the credit reporting agency or the data furnishers.

Under 15 U.S. Code 1666 ( b ) of the FCBA, I disputed these items due to potential billing errors, which include : Failure to accurately post a payment or credit Accounting or computation errors made by the creditor Failure to provide a minimum 21-day notice before assessing late fees or reporting a late payment to the credit bureaus Despite these concerns, the following open accounts continue to report late payments : Disputed Accounts : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute : Inaccurate late payment reporting XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute : Inaccurate late payment reporting XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute : Inaccurate late payment reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am filing a complaint against Westlake Financial for what I believe are serious violations of both California and federal consumer protection laws in connection with an auto loan I had with them. 

I was close to completing my loan, with only a few payments left. I had just made a {$1000.00} payment shortly before my car was repossessed without any prior warning or notification. I received no delinquency notices, no payoff reminder, no repossession intent, nothing. I was completely unaware that there was an alleged remaining balance after the contract had " ended '' until after the repossession occurred. 

The bank later claimed that a cease and desist restriction had been placed on my account, which is why they didnt notify me. However, I never requested or consented to a cease and desist, nor was I made aware of XXXX being placed. The only request I ever made was for them to stop calling me repeatedly during my work hours, which is a protected request under the Fair Debt Collection Practices Act ( FDCPA ). That should not justify blocking all communication, especially legally required notices. 

Because of their mismanagement, I was denied the opportunity to cure the alleged balance or avoid repossession. I was then forced to pay over {$500.00} in towing and nearly {$5000.00} in recovery fees, and after I received a payoff letter, they tried to double charge me for the tow and added an unexplained {$81.00} charge that was never disclosed before. I have sent XXXX formal letters to the bank requesting itemized receipts and a breakdown of the unexplained fees, but they have failed to comply or respond with documentation. 


I believe Westlake Financial has violated the following : California XXXX XXXX XXXX by repossessing my vehicle without proper notice. 
FDCPA and the California XXXX XXXX by misapplying my communication request and failing to communicate required information. 
Truth in Lending Act ( XXXX ) by adding new fees after a payoff amount was provided. 
California XXXX & XXXX XXXX XXXX ( Unfair Competition Law ) for engaging in deceptive and unfair business practices. 

This entire situation has caused me financial hardship, emotional distress, and loss of essential transportation during that time. I respectfully request that the CFPB investigate this matter and hold Westlake Financial accountable. I would like a refund of all improper charges, a correction of my account records, and compensation for the wrongful repossession and resulting losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: OH

Complaint narrative:
I am filing this complaint against Equifax for failing to update several accounts on my credit report after my XXXX XXXX XXXX  discharge on XX/XX/year>. These accounts are not properly marked as Included in Bankruptcy or Discharged in Bankruptcy, and continue to reflect derogatory remarks, delinquency stats, and negative payment summaries that misrepresent my current legal and financial standing.

Despite prior disputes, Equifax has not corrected the following accounts : XXXX XXXX XXXX XXXX : Still shows account closed by credit grantor, multiple derogatory indicators, and no bankruptcy notation. 
XXXX XXXXXXXX XXXX : Also lists closed by credit grantor with a {$0.00} balance but lacks any mention of bankruptcy discharge, and retains a 26 % on-time payment label. 
XXXX XXXX : Same issueclosed, but shows a 43 % on-time payment history and lacks any bankruptcy-related update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: LA

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against XXXX regarding an account I have with them XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXXXXXX XXXX XXXX Balance : {$2000.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with XXXX buttonoavail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: DSR HOLDINGS GROUP, LLC
State: TX

Complaint narrative:
It is not a true debt trying to collect on a debt that is over XXXX XXXX XXXX and actually is in my ex-husband XXXX XXXX name not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure to Provide Verification and Maintain Accurate Credit Reporting FCRA Violations I, XXXX XXXX, am filing this complaint against a credit reporting agency for failing to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ). I recently submitted a formal dispute regarding several inaccurate and unverifiable items on my credit report, and I have not received a proper response in compliance with the law. 

According to 15 U.S.C. 1681i ( 7 ), I have the legal right to request and receive a description of the procedures used during the reinvestigation of disputed information. This includes the name, address, and phone number of each furnisher of information contacted. I expected this information within 15 days, as mandated by law, but it has not been provided. 

Disputed Items : Charge-Offs XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Employers : XXXX XXXX XXXX XXXX These entries are inaccurate and do not reflect my current or verified information. They are damaging my credit profile and must be removed or corrected. 

Requested Information : In accordance with the FCRA, I am requesting the following for each disputed item : The name of the original creditor The address and phone number of the creditor The name of the person who verified the dispute The documentation relied upon to validate the item Your internal procedures to ensure maximum possible accuracy, per 15 U.S.C. 1681e ( b ) If you are unable to provide all the above, the information must be removed immediately from my report, as required by law.

Legal Grounds for This Complaint : 15 U.S.C. 1681i ( a ) ( 1 ) : Requires a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( 7 ) : Requires disclosure of the method of verification upon request.

15 U.S.C. 1681e ( b ) : Requires procedures to ensure the accuracy of information.

15 U.S.C. 1681n and 1681o : Provide for civil liability in cases of willful or negligent noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : SBNA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} Date Opened XX/XX/year>.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of 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 non-monetary relief
Consumer complaint received 2025-06-18 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: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
I am submitting this complaint due to a knowingly false and harmful collection account being reported by Transworld Systems Inc. to XXXX XXXX XXXX XXXX. The debt allegedly stems from a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which was ultimately dismissed. Despite this, Transworld Systems is reporting a {$7200.00} collection for XXXX XXXX XXXX XXXX XXXX, which I do not owe. 

On XX/XX/XXXX, I sent certified debt validation letters with legal documentation to Transworld Systems at XXXX known addresses. They were received on XX/XX/XXXX and XX/XX/XXXX, according to USPS tracking. These packages included : Court dismissal records showing I do not owe this debt A certificate of completion from the XXXX XXXX  program proving I was eligible for assistance that the landlord never pursued A letter from XXXX XXXX  confirming the landlord never reached out for payment, despite being offered the opportunity Furthermore, the apartment complex was sold in XX/XX/XXXX to XXXX XXXX XXXX for {$54.00} XXXX, making it highly questionable who, if anyone, has standing to pursue this alleged debt. 

Despite being provided with clear documentation, Transworld Systems has not responded, has continued reporting the false debt, and XXXX  has refused to remove it, citing verification from the furnisher. This constitutes : FCRA violations under 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 3 ), and 611 FDCPA violations under 809 ( b ) for continued collection activity without validation This false reporting has damaged my credit, caused emotional distress, and interfered with financial goals such as pursuing home ownership and private student loans. I have had sleepless nights, XXXX XXXX, and XXXX triggers tied to past financial XXXX  and XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Complainant : XXXX XXXX Subject : Failure to Provide Verification and Maintain Accurate Credit Reporting FCRA Violations I, XXXX XXXX, am filing this complaint against a credit reporting agency for failing to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ). I recently submitted a formal dispute regarding several inaccurate and unverifiable items on my credit report, and I have not received a proper response in compliance with the law. 

According to 15 U.S.C. 1681i ( 7 ), I have the legal right to request and receive a description of the procedures used during the reinvestigation of disputed information. This includes the name, address, and phone number of each furnisher of information contacted. I expected this information within 15 days, as mandated by law, but it has not been provided. 

Disputed Items : Charge-Offs XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect Employers : XXXX XXXX XXXX XXXX These entries are inaccurate and do not reflect my current or verified information. They are damaging my credit profile and must be removed or corrected. 

Requested Information : In accordance with the FCRA, I am requesting the following for each disputed item : The name of the original creditor The address and phone number of the creditor The name of the person who verified the dispute The documentation relied upon to validate the item Your internal procedures to ensure maximum possible accuracy, per 15 U.S.C. 1681e ( b ) If you are unable to provide all the above, the information must be removed immediately from my report, as required by law.

Legal Grounds for This Complaint : 15 U.S.C. 1681i ( a ) ( 1 ) : Requires a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( 7 ) : Requires disclosure of the method of verification upon request.

15 U.S.C. 1681e ( b ) : Requires procedures to ensure the accuracy of information.

15 U.S.C. 1681n and 1681o : Provide for civil liability in cases of willful or negligent noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: NC

Complaint narrative:
I sent letters out to each of the credit bureaus and requested my free credit report to evaluate my credit standing and havent gotten any 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 explanation
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNT : Account Name : XXXXXXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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