vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I took a car loan out and got into an accident on XX/XX/year> contacted them because my insurance was going to pay them off. The payoff amount for the loan is XXXX and valid until XXXX XXXX. During the month of XXXX I was charged a payment of XXXX for the car. I contacted them about it and they reassured me and promised me I would get my XXXX back when the car was payed off. It was payed off on XXXX XXXX at XXXX, they arent going to refund my full amount of XXXX but only XXXX claiming that I still owed them XXXX and the interest for that was XXXX. Spoke them to on multiple occasions and told me that was all I was getting and to wait. I am owed my money because because my loan was payed off and had no interest due unless I didnt pay for the month of XXXX which I did. I just want my money back and the full amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I mailed XXXX dispute letters to TransUnion via certified mail. These disputes challenged several inaccurate and unverifiable items appearing on my TransUnion credit report. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), TransUnion is required to complete a reasonable reinvestigation and provide me with written results within 30 days of receiving my dispute. 

As of today, I have not received any response, verification, investigation results, nor an updated copy of my report. This is a clear violation of the FCRA.

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 2025-12-02 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Fraudulent Charges and Account Security Incident : July 2224, 2025 Overview of Unauthorized Activity This section details a sequence of fraudulent transactions on my XXXX Bank PayPal credit card that occurred over a three-day period in XX/XX/year>, as well as my responses and the actions taken to resolve the situation. 

XX/XX/year> : Initial Unauthorized Charges On XX/XX/year>, I received an alert on my XXXX notifying me of an unauthorized {$100.00} XXXX XXXX XXXX purchase made through XXXX XXXX XXXX. In response, I contacted XXXX to dispute the charge, requested that a fraud investigation be opened, and specifically asked for my account to be locked to prevent additional unauthorized transactions. However, the XXXX representative refused to lock my account. 
Later, upon reviewing my account purchase history, I discovered that there had also been an attempted unauthorized {$500.00} purchase at XXXX on the same day. XXXX had denied this transaction, which is why I did not receive an alert at the time. This indicated that XXXX was aware of irregular activity on my account but still did not block further unauthorized charges. 

XX/XX/year> : Continued Fraudulent Activity The following day, XX/XX/year>, I received alerts for XXXX additional unauthorized {$100.00} XXXX Gift Card purchases from XXXX XXXX XXXX. I again contacted XXXX to dispute these charges, initiated XXXX more fraud investigations, and reiterated my request to have my account locked. A different XXXX representative handled my call but once again refused to lock my account. 

XX/XX/year> : Further Unauthorized Purchase and Escalation On XX/XX/year>, I received another alert for a fourth unauthorized {$100.00} XXXX XXXX XXXX purchase through XXXX XXXX XXXX. I promptly called XXXX, disputed the charge, and opened a fourth fraud investigation. My request to lock the account was met with instructions to instead contact XXXX Bank XXXX XXXX directly. When I followed up with XXXX Bank XXXX XXXX, the representative agreed to lock my account, effectively preventing any further unauthorized purchases. 
Account Security Measures and Resolution After these incidents, I realized that my computer had likely been compromised. I took it to XXXX XXXX XXXX XXXX for examination. The technician discovered and removed both unauthorized malware and remote access software from my computer. To further secure my accounts, I changed all my passwords across all platforms.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am honestly overwhelmed that inaccurate late payments are still showing on my credit report this morning. I refreshed everything multiple times and nothing changed. I am demanding that the documents I sent be inspected properly right now because this nonstop stress is becoming unbearable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
Vehicle was repossessed due to past due balance. Went online and cleared out the balance expecting to get car back. United Auto Credit stated the payment HAD to be cash and that no other form of payment was acceptable. They said I should " Cancel/Dispute '' transaction with my bank and XXXX the payment in cash. I understand there was an additional fee/amount due for the actual repossession, but they will not allow me to pay the difference nor credit my for my online debit card payment, They advised the car will be placed on a XXXX hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: TX

Complaint narrative:
This account is fraudulent and not mine, and I request its removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I request my credit card agreement and never received anything from them

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 2025-12-02 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: MI

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding multiple accounts that have been reported inaccurately on my credit report. Please review the following details separated by credit bureau : Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$830.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$250.00} CAPITAL XXXX, XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$12000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$45.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$810.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$3400.00} Inquiries : XXXX OF XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XX/XX/XXXX Late Payments : XXXX XXXX, XXXXXXXX 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 2025-12-02 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: MD

Complaint narrative:
I am a victim of identity theft, and my personal information was compromised as a result of a data breach specifically the Equifax data breach, which exposed sensitive personal data including my Social Security number, address, and financial identity. Since then, unauthorized accounts and hard inquiries have appeared on my credit report without my knowledge or consent. I did not apply for credit or authorize any of these actions. I have submitted a valid FTC Identity Theft Report, government-issued ID, proof of address, and a written statement identifying the fraudulent items, in compliance with FCRA Section 605B. Despite this, Equifax and Experian has refused to block or remove the fraudulent inquiries and accounts, violating their legal obligation to delete identity theft-related information within 4 business days 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am demanding the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are a direct result of a data breach that compromised my personal and financial informationa situation entirely outside of my control. Despite my efforts to rectify these issues, I continue to suffer the consequences of reporting failures that should have been addressed long ago. 

The fact that these inaccurate and unauthorized entries remain on my report, despite clear indications that my personal data was compromised, is completely unacceptable. This reckless mishandling of my information is damaging my creditworthiness, jeopardizing my financial stability, and blocking me from important opportunities. I will not tolerate this negligence any longer. 

I demand that you immediately investigate and permanently remove these erroneous entries. Any delay, inaction, or refusal to comply will be treated as a blatant violation of my consumer rights, and I will pursue all legal avenues available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your company accountable.

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 2025-12-02 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: IL

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report : Charged-Off Accounts TU : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries TU : 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 non-monetary relief
Consumer complaint received 2025-12-02 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: WA

Complaint narrative:
I disputed a charge with Bank of America in the beginning of XXXX. During that dispute process, BOFA told me that if I returned the merchandise and showed proof of shipment I would be credited the charge. I called back and spoke to a second representative to confirm this and they said yes this is true. So on XX/XX/year>, I packed up all of the merchandise and shipped it back to the company I purchased it from a company whose name is XXXX. 

To my surprise, upon faxing the shipment receipts to Bank of America they said that that was not true. They did not agree that if I returned the merchandise and showed proof of shipment that the matter would be resolved. All that they did was said XXXX sorry for your situation and things of that nature. The challenge here is that I no longer have {$9200.00} nor do I have the merchandise worth that much money. I have nothing except a bill from Bank of America stating that I owe them {$9200.00}. I am reaching out for help because this isnt fair or just. I followed every XXXX of their instructions to the letter of the law and they didnt stand by their word when followed. I no longer have the merchandise or the money because of their instructions. 

I think its important to note that throughout this process with Bank of America. They made error after error. For example, they would state the denial of my claim for a certain reason yet I had already sent in the proof of. For XXXX, an email stating that I wanted a refund. They said I didnt ever submit that and I did the day after I got home from XXXX XXXX Proof was sent. I also desperately tried to work with the merchant via multiple communication channels throughout the process as well. I am not disputing the original charge at this point, XXXX disputing that Bank of America said they would resolve this by return the goods.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My credit report contains multiple entries that are inaccurate, incomplete, outdated, inconsistent across bureaus, or unverifiable under the Fair Credit Reporting Act ( FCRA ). Furnishers have failed to provide proper documentation proving the accuracy and completeness of these accounts, late payments, inquiries, and personal identifiers. 

Several items contain : Conflicting dates Inconsistent payment histories Status codes that differ between bureaus Missing required validation Incorrect personal information tied to accounts Reporting beyond compliance Failure to provide supporting evidence as required under FCRA 602 ( A ), 607 ( b ), 609 ( a ) ( 1 ) ( A ), 611, and 623 ( a ) ( 1 ) ( A ). 


These reporting failures create substantial harm, including inaccurate risk assessment, improper scoring impact, and denial of credit opportunities. The bureaus and furnishers are legally obligated to maintain maximum possible accuracy but have not done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: FL

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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. They did not follow the proper XXXX step validation procedure. According to the FDCPA. I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account is taken off immediately. 
XXXX XXXX Acct # XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: FL

Complaint narrative:
I disputed the XXXX XXXX XXXX and XXXX XXXX collection accounts with TransUnion multiple times, including online and by certified mail. TransUnion never provided validation and did not correct the inaccurate information, yet continues to report these accounts. This violates FCRA 611 because no reasonable reinvestigation was performed, and the accounts remain unverified and harmful to my credit.

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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: De Lage Landen Finance, LLC
State: FL

Complaint narrative:
On XX/XX/year> A letter of satisfaction was received. This has been paid and should no longer show I owe anything from Mahindra.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: OK

Complaint narrative:
Took my XXXX XXXX in for repairs. It needed the A/C fixed and an oil leak. The guy gave me an estimate for approx {$750.00}, I agreed and signed. 
My car was there over a month but we were on vacation so I wasn't concerned and I have messages between us. When it was time to get the car he sent me an invoice for approx {$4400.00}. I immediatly texted with a photo of the orignal and only agreement asking what happened to this amount, the new amount was XXXX time higher. 
When I went it the owner of the shop didnt show, sent his daughter to deal with me. Cops were called, police report made. 
I disputed the charges ( the officer adv me it would be best to pay the bill and take my car ). My bank returned the charges as I had given them the contract, and the final bill plus all the messages. I also made a consumer report and gave a copy of that. 
I was then notified that the reversed the charges because the shop did the work. The shop didnt do any of it and the A/C and oil leak were still happening ( the only reason i took it to them ). I went to the branch and took all the paper work again AND reciepts from the new shop replacing the A/C and fixing the leak. An appeal was placed. Today I got a letter saying they are reversing it again because i agreed to the repairs even if I wasn't happy. I called the bank. Spoke with a male dispute supervisor and explained that was wrong and they had the contracts as I had the branch submit the 2 times. He said that Navy Federal actually did agree with me but the merchants bank refuses to return the money. 
My bank should be protecting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: IN

Complaint narrative:
XXXX Unifin called and texted a former friend and my XXXX XXXX XXXX XXXX XXXX  ( whose number I never gave out to anyone ) multiple times. They have never called or texted me once. They informed my former friend that they were trying to reach me in regards to a debt. They called from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
on XX/XX/year> I noticed a inaccurate inquiry on my credit profile. Ive been contacting Equifax numerous times about this problem but it keeps coming back verified with no proof of documents stating why. Furthermore I filed a FTC to get this removed. I also called stating I filed a report and I was told it cant be removed because I didnt state the date of the inquiry on the report which is false.

Company response to consumer: Closed with explanation