vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for their continued failure to comply with the Fair Credit Reporting Act. This is my final attempt to resolve ongoing inaccuracies in my credit file before further escalation. 

I have submitted multiple disputes over the past few months, including my most recent on XX/XX/XXXX, regarding inaccurate and potentially unverifiable accounts. Despite providing proper documentation with each submission, I continue to receive inadequate responses stating that these accounts were verified without the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). 

The disputed accounts are : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX The disputed unauthorized inquiries are : XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX Despite repeated requests, the bureaus have failed to provide : The specific method of verification used for each item. 

The name and contact details of the data furnisher or furnishers. 

Any documentation relied upon during their investigation. 

This is a direct violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ). I am requesting that the CFPB take enforcement action to ensure that the bureaus comply with federal law by conducting a full reinvestigation, providing the required method of verification, and removing all unverifiable or inaccurate items. 

If the bureaus do not correct these violations, I will also escalate this matter to the Federal Trade Commission and my XXXX XXXX XXXX, and I will consider legal action to enforce my rights under 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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-14 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: PA

Complaint narrative:
My account with DPT EDXXXXXXXX XXXX AND XXXXwas never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. DPT ED/XXXX, XXXX AND XXXXXXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Financial Protection Bureau Re : XXXX XXXX TransUnion, XXXX, and XXXX XXXX XXXX I am filing this complaint against TransUnion, XXXX, and XXXX XXXX XXXX for failure to comply with the Fair Credit Reporting Act ( FCRA ) and CFPB regulations regarding my disputes. 
I submitted disputes to TransUnion concerning accounts reported by XXXX and XXXX XXXX XXXX. 
My disputes specifically requested : 1. A complete chain of assignment from the original creditor to the current debt owner.

2. A copy of the original signed contract ( 'wet ink signature ' ).

3. Full validation of the debt, including an itemized statement of charges.

Despite these requests, TransUnion did not provide any documentation or proof as required by FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( b ). Instead, they issued a generic response stating the accounts were 'verified as accurate ' without supporting evidence. 
This constitutes : - Failure to properly investigate under FCRA 611. 
- Failure to provide validation and documentation as requested. 
- Willful noncompliance with my rights as a consumer. 
The continued reporting of unverified and disputed accounts is damaging my creditworthiness and violates my rights under the FCRA and CFPB enforcement rules. 
Requested Resolution : 1. Immediate deletion of the disputed Conns and XXXX XXXX XXXX accounts from my credit report. 
2. Provision of the documentation originally requested or cessation of reporting.

3. CFPB investigation and enforcement action against the parties involved.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act. The list of it accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$460.00} has violated my rights. 

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, states a consumer reporting agency can not furnish an 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 information : Any other adverse item of information, other than records of convictions and crimes which antedates the report 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act. The list of it accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$1600.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$460.00} has violated my rights. 

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, states a consumer reporting agency can not furnish an 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 information : Any other adverse item of information, other than records of convictions and crimes which antedates the report 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is incorrect.

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 2025-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Bridgecrest engaged in multiple unlawful repossessions of my vehicle in XXXX  ( XX/XX/XXXX ) and XXXX  ( XX/XX/XXXX & XX/XX/XXXX ) without proper notice, in violation of XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX b ). 
XX/XX/XXXX ( XXXX  ) : No XXXX notice before repossession. Payment of {$1600.00} made same day, later partially reversed without explanation ( {$340.00} missing ). 
XX/XX/XXXX ( XXXX  ) : XXXX agent entered private property marked No Trespassing, refused to leave, did not identify themselves, towed AWD vehicle incorrectly ( possible transmission damage ). {$1500.00} payment made XX/XX/XXXX should have removed account from repo status. Payment later partially reversed without explanation ( {$370.00} missing ). 
XX/XX/XXXX ( XXXX  ) : Third repossession. No documentation or location provided as of XX/XX/XXXX. 
Ongoing : Bridgecrest has changed reinstatement amounts daily, failed to provide required documents, forced out-of-state retrieval, and ignored documented ADA accommodation requests. 
These actions caused loss of transportation to critical medical appointments, financial harm, and emotional distress. I have documentation, payment records, and video evidence of violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am demanding immediate action regarding multiple fraudulent and inaccurate accounts appearing on my credit report. These accounts do not belong to me and are the direct result of XXXX XXXX, where my personal information was used without my consent. I have never had any connection to these accounts, yet they remain on my report despite my prior disputes and submission of an FTC identity theft report, as instructed by TransUnion. This ongoing inaccuracy is unacceptable, violates my rights as a consumer, and continues to damage my credit and financial reputation.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I discovered that multiple hard inquiries were made on my credit without my permission while I was not at the car lot. Im in desperate need of a vehicle to get to work, and this situation is making an already hard time even worse.

Please help me remove these unauthorized inquiries. Im struggling and just trying to get through this difficult time.

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 2025-08-14 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: CA

Complaint narrative:
I am filing this complaint against Experian and the furnishers XXXX  ( Acct : XXXX ) for willfully and negligently reporting false late payment information in violation of the Fair Credit Reporting Act ( FCRA ). My Experian credit file shows XXXX  Late Date : XX/XX/year>. These entries are entirely inaccurate and result solely from the furnishers internal reporting or transmission errorsnot from any actual failure on my part to make timely payments. Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate, and under 1681i, Experian is required to conduct a reasonable reinvestigation and delete or correct any inaccurate, incomplete, or unverifiable information. Despite my dispute, Experian has failed to comply with these requirements and continues to publish false data, causing significant damage to my credit standing, financial opportunities, and personal reputation. I demand immediate CFPB intervention to compel Experian to permanently delete these false late payment entries, provide the name, contact information, and credentials of the individual who verified these lates, disclose the exact verification method used ( including access logs and documents reviewed ), and provide copies of any records proving the alleged late payments. If Experian and the furnishers can not produce definitive proof of actual late payments, these entries must be removed without delay. Continued reporting without such proof constitutes willful noncompliance under FCRA 1681n and negligent noncompliance under 1681o, making them liable for statutory damages, actual damages, attorneys fees, and punitive damages. I expect the CFPB to address these violations immediately and confirm removal of these inaccurate entries to prevent ongoing harm.

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 2025-08-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Subject : Notice of FCRA XXXX XXXX XXXX for XXXX XXXX under 15 U.S.C. 1681o Dear Sir or Madam, This letter serves as formal notice that you are reporting inaccurate and/or unverifiable information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

I previously disputed the following accounts, providing sufficient identifying information and documentation to demonstrate that they are inaccurate, the result of identity theft, and/or unverifiable : Fraudulent/Incorrect Accounts : - XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} - XXXX  XXXX Date Opened XXXX XX/XX/XXXX - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - XXXX XXXX XXXX Date Opened : XX/XX/XXXX - XXXX XXXX XXXX Two accounts dated XX/XX/XXXX & XX/XX/XXXX - XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} - XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$500.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX - XXXX XXXX XXXX Multiple entries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX One shows {$65.00} - XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX - XXXX XXXX Entries dated XX/XX/XXXX and XX/XX/XXXX XXXX shows {$170.00} - XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - XXXX XXXXREPORTED ( XXXX ) Balance : {$210.00} - Chapter XXXX Bankruptcy Filed XXXX XX/XX/XXXX Your continued reporting of these items after receiving my dispute and supporting evidence constitutes negligent noncompliance under 15 U.S.C. 1681o. This provision holds consumer reporting agencies and furnishers of information liable for actual damages, costs, and attorneys fees when they fail to comply with FCRA requirements due to negligence. 

If these inaccurate and unverifiable items are not deleted within 15 days of your receipt of this notice, I will have no choice but to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General, and initiating a civil action for damages under 15 U.S.C. 1681o. 

Please provide me with : 1. Written confirmation of the deletion of the disputed items from my credit report.

2. An updated copy of my credit report reflecting these changes. 

This is my final attempt to resolve this matter amicably before escalating to legal action. 

Sincerely, XXXX XXXX XXXX Enclosures : - Proof of Identity - Credit Report with Disputed Items Highlighted - Prior Dispute Documentation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX issued a joint insurance settlement check for {$4600.00} to myself, my husband, and Westlake Portfolio Management for vehicle repair related to claim # XXXX. 

This check was intended to cover repairs for my XXXX XXXX XXXX XXXX XXXX The car was not declared a total loss, and I retained possession of the vehicle. I elected to cash out and complete repairs on my own timeline, due to work obligations and lack of alternative transportation. XXXX XXXX confirmed I was permitted to do so. 

However, Westlake deposited the check without my endorsement or consent and applied the full amount to the principal of my loan. I was not informed beforehand, nor was I given an opportunity to approve or reject this action. Insurance adjuster XXXX XXXX ( XXXX ext. XXXX ) has also contacted Westlake for clarification, but they have not returned her call. 

I made attempts to contact Westlake to request : An explanation for depositing the check without my endorsement A refund of the balance not owed Documentation supporting their actions To date, I have received no response. 

I am requesting that CFPB investigate and require Westlake to : Provide legal justification for their actions Refund the unused funds Honor my right to manage approved repairs as the legal vehicle owner and co-payee

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
XXXX  showed on my report that I had a bankruptcy on XXXX The statement also said I had a bankruptcy on XXXX and my XXXX  was listed. They also insisted that I had 2 delinquent credit cards. They are XXXX XXXX  & XXXX XXXX. These are listed on the same date XX/XX/XXXX. They insist that this is correct! They are completely Wrong.

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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/year>, I entered a written settlement through my attorney with Synchrony Bank resolving two accounts : BrandsMart account ending XXXX and XXXX XXXX account ending XXXX. The settlement requires Synchrony to request tradeline deletion with the CRAs and to re-request if the CRAs didnt update within 60 days after I notified them. Despite this, more than a year later these negative trade-lines are still appearing on my credit reports in breach of the settlement agreement. This complaint is an opportunity to cure before this matter is escalated.

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