vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CA

Complaint narrative:
XX/XX/XXXX I noticed my credit reporting yet again shows XXXX reporting me late. Again dropping my score from XXXX to XXXX. I was informed yesterday XX/XX/XXXX by XXXX XXXX XXXXXXXX XXXX. That XXXX  unapplied my XXXX and XXXX ACH payments to my mortgage account. XXXX stated that XXXX didnt know I did not want the payment deferral they were offering me. Why would I need this deferral as I already paid the balloon payment demanded by XXXX XXXX was in direct violation of the California moratorium by demanding this ballon payment back in XX/XX/year>. They sent me letters threatening foreclosure and initially stated I had to pay the XXXX day balloon payment demanded Or else now you can clearly see I didnt accept the later offered forbearance as I paid the XXXX days already in fear of foreclosure, in fear of reporting me late to credit bureaus. even though I paid the balloon payment after my home burned down, XXXX still reported me XXXX Days late in XX/XX/year>. 
After filing complaints with XXXX and informing all credit bureaus this is in violation of CA moratorium and they still reported me late even after I paid. Now after those complaints, XXXX did correct my previous credit report. 
But now again they unequivocally violated the fair credit reporting act by unapplying my mortgage payments. Mortgage payments that were set up by me in their online portal in XX/XX/year>. I set up Automatic withdrawls for every month thereafter XXXX, XXXX, XXXX, XXXX etc so that I would not have to worry about my mortgage. However XXXX themselves gave the excuse we thought you were accepting the forbearance plan so we didnt apply your payments this is unacceptable.excuse to not apply my payments?

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE ADDRESSLISTED BELOW, IS NOT MY ADDRESS. MY NAME IS ON XXXX DATA BREACH AND LAWSUIT FOR EXPERIAN. 
PLS DELETE- PER 15 USC 1681 ( B ) / 15 USC 1681S-2 ( B ) ADDRESS DISPUTE- XXXXXXXX XXXX XXXX XXXX, TX 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: Vehicle loan or lease — Lease
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC
State: IL

Complaint narrative:
My name is XXXX XXXX, and I am submitting a complaint regarding the wrongful repossession of my vehicle ( Account XXXX XXXX ) based on a misleading and falsely dated renegotiation notice from the lender. 
On a phone call with the lender, I was told that I had XXXX ( XXXX ) days to respond to a renegotiation offer. I received an email on XX/XX/year>, offering this XXXX opportunity which should legally mean I had until XX/XX/year>, to respond. 
However, my vehicle was repossessed on XX/XX/XXXX, only XXXX days after I received the email and 2 days before the promised response window ended. 
When I asked about the timing, the lender falsely claimed that the renegotiation email was sent on XX/XX/XXXX, not XX/XX/XXXX. They also stated that no further renegotiation emails were sent after XX/XX/XXXX which is false. I have the email postmarked XX/XX/XXXX, clearly showing the offer and its XXXX terms. 
It is deceptive to claim the XXXX clock started on a date I have no record of, and to disregard the clear postmark of XX/XX/XXXX on the actual email I received. I was actively attempting to complete the renegotiation form when the car was repossessed. 
The lender is now refusing to address this error and is telling me I am responsible for any remaining loan balance after auctioning the car despite this being a result of their miscommunication and bad faith handling. 

The lender has offered to submit a request for approval or denial of the amount they expect to receive from selling the vehicle at auction plus repossession fees and to offer me that amount to pay. However, this is unfair because I was only XXXX days late on payments, and a payment of {$420.00} would have brought my account current and prevented the repossession. I was not given a fair opportunity to renegotiate or cure the delinquency within the promised XXXX window before the vehicle was taken. Therefore, I request to pay the current amount owed plus repossession fees to bring the loan current and have it reinstated so I can continue making payments and keep the vehicle. I also request formal acknowledgment of the premature repossession and removal of any related negative credit reporting.

Company response to consumer: Closed with explanation
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 — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
My truck was in a non-fault accident. Exeter finance waited two payment after wreck reported on my credit false information on my credit report. They had received payment from all insurance companies Still hit my credit a second time after they assured me they wouldnt. Do I get an attorney and sue? They also charged me extra finance fees throughout the purchase. I never missed a payment unit after totaled out wreck. They wanted me to keep paying for it long after they got paid. 
They tried to tell me they didnt receive gap check. Gap insurance company said they did and gave me the tracking number. They assured me they wouldnt hit my credit again. But they lied and did. 
They also had hidden finance charges that wasnt disclosed prior to purchase.

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

Complaint narrative:
PayPal froze my account and is holding my funds even after I verified my identity and security info. I no longer have the old card theyre asking for, and Ive done everything requested. I need access to my funds. This is causing serious financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On two occasions Navy Federal Credit, union has taken unauthorized payments from my checking account account without prior notification or authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: IL

Complaint narrative:
I am reporting IQ Data XXXX for aggressive, unprofessional, and deceptive debt collection practices. They are attempting to collect a {$4300.00} debt tied to a former apartment lease with XXXX XXXX XXXX in XXXX, Florida. The debt is being reported as rental debt, but I have repeatedly disputed its validity and requested a breakdown. 

I verbally notified the apartment complex in XX/XX/year> that I would be moving due to my spouses XXXX XXXX XXXX XXXX ( which is protected under the SCRA ). I returned the keys on XX/XX/year>, and provided proof of XXXX XXXX. I never received a written notice or itemized list of charges from the apartment or from the collector. I also never received a copy of my most recent lease renewal despite requesting it. 

I contacted IQ Data directly to request a breakdown of the debt and an explanation of the charges. The representative became hostile when I mentioned I was pursuing legal action, raised his voice at me, refused to provide any information, and then hung up. I called multiple times and was hung up on each time. When I asked again for the breakdown, he refused to send it by email and told me Id need a lawyer to contact them. He also falsely claimed I had already received the lease they are referencing, which I never did. 

Ive been stonewalled from accessing basic information I am legally entitled to under the Fair Debt Collection Practices Act ( FDCPA ). They have used aggressive and intimidating communication tactics, including raising their voice, refusing basic information, and hanging up without reason. Their behavior has caused me significant distress and I believe they are in violation of multiple consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MEDCAH, Inc.
State: HI

Complaint narrative:
b'At XXXX XXXX I missed a call from XXXX at XXXX XXXX XXXX At XXXX she called my place of employment, a public school where I teach summer school and asked them to tell me to call her. If she knew that I worked at a school, why did she call them right away? As personal calls are unprofessional and not allowed, I am writing this formal complaint so that XXXX  and her company will call me when I am not working (it is lunch time now).'

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: EQUIFAX, INC.
State: GA

Complaint narrative:
They keep saying the account is verified but fail to show me results of investigation Specifically : XXXX XXXX account number XXXX

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: 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: GA

Complaint narrative:
They keep saying the account is verified but fail to show me results of investigation Specifically : XXXX XXXX account number 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: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On XX/XX/XXXX I moved out of the XXXXXXXX XXXX  I paid my rent for the month and checked with the office to make sure that I did not owe any further payments. I have not heard from XXXX since I moved out. I was contacted by XXXX XXXX stating that I owed money. I denied it then they sent me a letter stating that I owed more money, XXXX termination fee. I was on a month to month rent after one year. I sent a certified letter stating that I needed proof that I owed the money. What they sent to me stated that I owed for a termination fee of {$1100.00}. I was credited {$300.00} for the deposit and {$270.00} or moving out before the end of the month. the only charge was {$150.00} for paint. the {$300.00} was forfeit. 
I should not have been charged the {$1100.00} because I was on a monthly fee and gave my notification by XXXX. They did send a copy of the original rent agreement signed in XXXX. After one year we signed on monthly. 
I assumed this was over since I heard nothing further. 
Then I checked my credit score and they had turned it in to TransUnion every year. I called and explained the above information. I was told that they would send them information stating that they needed to send me something with my signature on it or they would remove it from my credit report. I received a bill but no further information. 
When I checked today they had rebilled the TransUnion. 
I called TransUnion and was told that it was never written off and I needed to file a complaint with you. They would not write it off. 
I called XXXX XXXX and he said that it looked like I was on a monthly rent but it probably could not be verified by the office because it has been so long. I need to send another certified letter. 
I have also called XXXX and am working on getting the information from them that I was on a monthly rent agreement.

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: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: AL

Complaint narrative:
Account XXXX XXXX XXXX .. I AM UNAWARE OF THIS DEBT AND DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ACCOUNT.IF YOU BELIEVE YOU SENT PROPER NOTIFICATION OF THIS ACCOUNT PLEASE PROVIDE CERTIFIED MAIL WITH RECEIPT OF MY SIGNATURE. IF NOT PLEASE REMOVE THIS ACCOUNT OR I WILL HAVE TO TAKE LEGAL ACTIONS.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 GA XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$550.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$1700.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$1500.00} XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$1200.00} XXXX XXXX - Account Number : XXXX * * * XXX, Date Opened : XXXX, Balance : {$1000.00} XXXX XXXX XXXX  - Account Number : XXXX * * * XXXX XXXX Date Opened : XXXX, Balance : {$240.00} XXXX XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$760.00} INQUIRIES : XXXX Date : XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXX XXXXXXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXX XXXX Date : XXXX XXXX Date : XXXXXXXX XXXX Date : XXXX XXXX Date : 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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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: EQUIFAX, INC.
State: LA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Transunion, experian, and equifax are reporting inaccurate information. Ive already requested that they remove incorrect personal information and inaccurate accounts. They havent did anything but send me stall letters.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Experian XXXX XX/XX/XXXX Equifax Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX  Experian XXXX XX/XX/XXXX Equifax Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation