vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CO

Complaint narrative:
In XXXX, I needed to buy a car in a hurry. Due to my super low down, and urgency, I went to XXXX  in XXXX, CO. It was right up the street and I needed a car right then. 

I got my other car figured out, so decided to gift the XXXX XXXX to my daughter. She drove it home and called and said it was making funny noises. So I had her bring it back. Took it to them and they spent a week or so working on it. Got it back. She took it home. It was acting funny again. Back to XXXX. Another two weeks in the shops. Got it back, more noises. More shop. 

Now a month has passed. We've driven it for maybe three days this entire month. They want their payment and disable the car. I tell them they need to reconsider that, as I haven't even been able to drive it the entire month. They won't budge so I tell them they can take their car back. They agree to take it back, and assure me several times it wouldn't go on my credit. They reported it as a repossession anyway. I disputed, they disputed back.

Now I'm in desperate need of a car because of my horrible credit. So ... I reach out to XXXX 

I spend several weeks texting. They keep wanting me to come down. I keep telling them that I need them to run credit before, I don't have a car and don't want to go all the way down to be turned away. We go back and forth. I finally get down there. I do their thing. The young lady comes back with a weird look on her face and says they can't help me due to past issues and come back in a year. I know they pulled my credit before I came down and knew of said " issues ''. And the " issues '' largely stem from them. 

They won't remove the charge and have the full price on my credit showing as owed, so they are double dipping. That car was a lemon and spent more time in the shop than my possession. They kept my down payment as well, so that should have covered the few days I actually got to drive it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I am filing this complaint specifically against Equifax for continuing to report inaccurate, unverified, and incomplete information on my XXXX XXXX account ( ending in XXXX ), despite the fact that I submitted a formal written dispute over 30 days ago.

Equifax has failed to conduct a proper reinvestigation under FCRA 611 ( a ). They did not provide any primary source validation, did not correct the errors I identified, and continue reporting derogatory information that can not be verified, causing me continuous and measurable financial harm. 

Specific Problems With XXXX XXXX : 1. Inconsistent and incomplete account status Equifax reports this account as XXXX, while XXXX  reports it as XXXX. 

A single tradeline can not carry conflicting statuses between bureaus. 
This inconsistency proves that Equifax does not possess verified, accurate, or current data, which is required for compliance with FCRA accuracy standards.

Additionally, essential Metro 2 data elements are incomplete or missing entirely.

2. Lack of a valid verification process Equifax has not provided : -Any investigation logs -Verification metadata -Any documentary evidence showing the alleged late payments were validated -A last verified date Without this information, Equifax is violating FCRA 611 ( a ) ( 1 ) ( A ), which requires the furnisher and the CRA to ensure the information is accurate, complete, and verifiable.

3. Metro 2 formatting and coding errors My dispute letter identified serious Metro 2 issues, including : -Incorrect or missing Portfolio Type / Account Type codes -Missing Date Last Verified -Account Status codes inconsistent with the reporting format -Remarks that contradict the furnished data These errors show that Equifax can not meet Metro 2 compliance, which means the derogatory data should not be reported at all.

4. Equifax has not marked the account as disputed as required Under FCRA 613, Equifax must : -Tag the account as disputed -Notify all data recipients -Provide proof of these notifications Equifax has not provided any confirmation that this legal requirement was fulfilled.

5. Financial harm caused by Equifaxs inaccurate reporting Because Equifax continues reporting unverified late payments, I am experiencing : -Reduced credit scores -Denial of credit offers -Increased interest rates -Loss of financial opportunities This is active financial injury caused by Equifax 's negligence and failure to reinvestigate properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX  & TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 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 2025-12-04 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: NY

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute regarding the following accounts in my credit report. Please review the discrepancies and address the issues accordingly. 

Charged Off Accounts : XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} Inquiries : XXXX, Date : XX/XX/XXXX Late Payments : XXXX  XXXX, Account Number : 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 2025-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
I have waited a year for a refund on my overpayment. Every time I have called I am told that it is in process. In XXXX I was told that everything was approved and that it was sent out to be paid. On the Mohela website it even shows that a refund was completed on XX/XX/year>. I waited 90 days as instructed to call them again. I was told that it was still in process for approval and that it had not been paid. I called on XX/XX/XXXX and was told again by a Supervisor that it was in process. She gave me a case number of XXXX that it was to be expedited and to call back in XXXX weeks and talk with a supervisor to find out the status of the repayment. I asked to be notified but was told that they dont do that. I called again on XX/XX/XXXX, asked for a supervisor. I spoke with a XXXX, gave her the expedited case number. Once again told that it was in process. I told her that people have been telling me that every time I have called and am tired of hearing that excuse. She told me that she wrote an email to accounting and to call back after 14 business days. I will call again but fear this will get me just another empty excuse.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: AR

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 explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was terminated from employment on XX/XX/year>. I was able to keep up with some of the payments until I ran low on funds. I job searched but was affected by the government shutdown. I was finally employed on XX/XX/year> and received my first check and paid {$550.00} on my Wells Fargo active cash account. Just to find out my account was closed. I kept in contact with the Wells Fargo bank and asked for help. I was informed back in XXXX that my account will remain active as long as I promise to pay the {$550.00} balance that I scheduled to pay out of my checking account. I am now fully employed and would like a second chance account to reopen the account. I was not notified that the account would close in 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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: AZ

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-04 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: AL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX ( XXXX ) for serious and ongoing violations of the CARES Act, the Fair Credit Reporting Act ( FCRA ), and Metro-2 credit reporting standards regarding XXXX separate XXXX accounts. Both accounts were current prior to XXXX, closed by XXXX XXXX during the XXXX national emergency, and then inaccurately reported with late payments and false statuses. 

The accounts involved reference the following partial account numbers : Account # XXXX Account # XXXX I am attaching both of my Experian credit reports that demonstrate the reporting errors and violations. 

1. Both accounts were CURRENT prior to XXXX, but XXXX XXXX reported late payments during the COVID emergency period. 

Under CARES Act 4021, if an account was current at the time of a COVID-related accommodation, the creditor is required to continue reporting the account as CURRENT throughout the entire accommodation period. 

XXXX XXXX : Closed both of my accounts during COVID even though they were current Reported late payments during XXXX Failed to comply with CARES Act requirements This is a direct violation of federal law. 

XXXX. XXXX XXXX reported late payments AFTER both accounts were closed. 

Closed accounts can not legally generate new late payments. No payment is due on a closed account. 

Despite this, XXXX XXXX continued reporting delinquencies after the account closure dates, violating : FCRA 607 ( b ) Maximum Possible Accuracy FCRA 623 ( a ) ( 1 ) ( A ) Furnishers can not report information they know is inaccurate Metro-2 Standards Prohibit post-closure delinquency reporting These late payments are false and impossible and must be removed. 

XXXX. XXXX XXXX falsified the closure date on Account # XXXX. 

This account was originally closed in XXXX, during the XXXX period. 

However, XXXX XXXX recently updated the account on Experian as : Closed XX/XX/XXXX. 

This is factually false and materially misleading. 
Adjusting the closure date by XXXX years : Extends derogatory reporting far beyond what the FCRA allows Alters the Date of First Delinquency Creates an inaccurate account timeline Harms my creditworthiness This is a serious FCRA violation. 

XXXX. XXXX XXXX reporting is inaccurate, unlawful, and harmful. 

Between the XXXX accounts, XXXX XXXX has reported : CARES Act violations False closure dates Impossible late payments after closure Inaccurate payment histories Contradictory credit bureau reporting Data that can not be verified as accurate These errors have caused significant financial harm and damage 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 2025-12-04 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: AL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX ( XXXX ) for serious and ongoing violations of the CARES Act, the Fair Credit Reporting Act ( FCRA ), and Metro-2 credit reporting standards regarding XXXX separate XXXX accounts. Both accounts were current prior to XXXX, closed by XXXX XXXX during the XXXX national emergency, and then inaccurately reported with late payments and false statuses. 

The accounts involved reference the following partial account numbers : Account # XXXX Account # XXXX I am attaching both of my Experian credit reports that demonstrate the reporting errors and violations. 

1. Both accounts were CURRENT prior to XXXX, but XXXX XXXX reported late payments during the COVID emergency period. 

Under CARES Act 4021, if an account was current at the time of a COVID-related accommodation, the creditor is required to continue reporting the account as CURRENT throughout the entire accommodation period. 

XXXX XXXX : Closed both of my accounts during COVID even though they were current Reported late payments during XXXX Failed to comply with CARES Act requirements This is a direct violation of federal law. 

XXXX. XXXX XXXX reported late payments AFTER both accounts were closed. 

Closed accounts can not legally generate new late payments. No payment is due on a closed account. 

Despite this, XXXX XXXX continued reporting delinquencies after the account closure dates, violating : FCRA 607 ( b ) Maximum Possible Accuracy FCRA 623 ( a ) ( 1 ) ( A ) Furnishers can not report information they know is inaccurate Metro-2 Standards Prohibit post-closure delinquency reporting These late payments are false and impossible and must be removed. 

XXXX. XXXX XXXX falsified the closure date on Account # XXXX. 

This account was originally closed in XXXX, during the XXXX period. 

However, XXXX XXXX recently updated the account on Experian as : Closed XX/XX/XXXX. 

This is factually false and materially misleading. 
Adjusting the closure date by XXXX years : Extends derogatory reporting far beyond what the FCRA allows Alters the Date of First Delinquency Creates an inaccurate account timeline Harms my creditworthiness This is a serious FCRA violation. 

XXXX. XXXX XXXX reporting is inaccurate, unlawful, and harmful. 

Between the XXXX accounts, XXXX XXXX has reported : CARES Act violations False closure dates Impossible late payments after closure Inaccurate payment histories Contradictory credit bureau reporting Data that can not be verified as accurate These errors have caused significant financial harm and damage to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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:
My credit info was used to try and open fraudulent credit account. I am a victim of identity theft. Please dispute and remove following inquiry from my credit report 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 non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Company : Westlake Financial Services Product : Auto Loan Issue : Loan based on defective/invalid sale ; title not transferred ; lien not recorded What happened : I financed a vehicle through Westlake Financial , but I recently discovered that the dealer never transferred the title into my name, never submitted any DMV paperwork, and never recorded Westlakes lien . I have been making payments for approximately two years, but legally the vehicle does not belong to me, and Westlake does not have a perfected security interest. 

The California DMV still shows XXXX XXXX XXXX as the registered owner, not me. The only assignment on the title is to XXXX XXXX XXXX. ( the dealer I purchased the car from ). The dealer never completed the dealer-to-buyer reassignment and never submitted any of the required DMV documentation. Because of this, the sale is legally incomplete, and I can not register the vehicle. 

Westlake funded a contract for a transaction that was never legally completed, and the lenders lien was never recorded. This creates a defective contract because Westlake can not enforce a lien, can not repossess the car legally, and can not complete the loan they funded. 

I spoke with Westlake, and they have acknowledged they can not reach the dealer, but they have not offered a resolution and have stated that they are unable to collect from the dealer. They said it's " unfortunate ''. This does not resolve my situation, as I made payments in good faith and Westlake is the lender who funded an invalid transaction. 

Consumer harm : I have paid {$7300.00} toward a vehicle Westlake financed, but I do not legally own the vehicle. 

The vehicle can not be registered due to lack of dealer paperwork. 

The lien was never perfected, so the loan can not be legally enforced. 

Westlake has not offered a resolution despite being aware the contract is defective. 

I am at risk of financial loss because Westlake funded a non-compliant transaction and continues to hold me responsible. 

All documents uploaded are current as of today. I received these documents from the dealer yesterday, XX/XX/year>. 

The dealer told me he is no longer in business and filed XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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:
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 response to consumer: Closed with explanation