vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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 non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of a XXXX XXXX collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, XXXX XXXX would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan. Under the Fair Credit Reporting Act ( FCRA ),

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is counting auto inquiries as separate inquiries rather than grouping them together. My credit score has taken a significant hit by not grouping them together. The situation is that I filed for an auto loan with XXXX. XXXX automatically performs rate shopping for consumers to get the best rate. In normal situations this should result in 1 hard inquiry, however Transunion is counting them separately significantly obliterating my credit score. I have attempted to dispute this only to be told I can't file disputes online. I've spent several months trying to fix this but transunion ignores my request. They have zero interest in restoring my online accounts ability to dispute information and make up excuses each time. They clearly have no idea how to process inquiries correctly, and should remove all inquiries from my account until such time as they figure out how to do this. This level of incompetence should be criminal, and its insulting and its detrimental to the nation.

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 2025-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: OH

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$3500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$3900.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I have complain with honda financial services. Currently i am financing XXXX vehicle 's XXXX honda credit and XXXX honda XXXX.due to their online billing system error. Honda financial services report late payment to my credit report. And second complaint i made a payment XX/XX/XXXX XXXX reversed the payment. They said due to insufficient fund.which is incorrect. XXXX XXXX XXXX has proof that i had enough fund to make the payment. Unfortunately I called them and not being resolved. As well I call the corporate office and I have case # XXXX asked them corporate email address. But unfortunately they wouldn't provide the management email address. As well they are not transparent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXX XXXX XXXX - Account not mine XXXX - XXXX - Account not mine

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

1681c-2 ) 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 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 Address : XXXX XXXX Highway XXXX Trlr XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-28 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: WA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Netspend Corporation
State: TX

Complaint narrative:
Opened Account - XX/XX/XXXX Direct Deposit from Employer - XX/XX/XXXX Bonus to be paid out 5 business days after, no luck, reached out to CS, they said to wait. 

Second Direct Deposit from Employer - XX/XX/XXXX Still, no bonus, reached out to CS again, told me to wait another 5 days. They are just not paying their original bonus they had advertised.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1400.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-07-28 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:
I am trying to pay off my car loan with Westlake Portfolio Management. They accept my payment, then indicate that it was returned for non sufficient funds, while the bank tells me the funds are there and the payment was never put through. Westlake Portfolio Management has done this three times while tacking on fees and interest. Calls to the company remain unhelpful, the agent tells me to try again, at the new higher payment amount and refuse to put me through to a supervisor. I have emails and screenshots supporting the details below : XXXX. XX/XX/XXXX I made my XXXX car payment of {$190.00} to Westlake Portfolio Management. XXXX XXXX XXXX XXXX. XX/XX/XXXX I called to pay off my car loan and was charged a {$5.00} fee to do so. I paid {$1900.00}. XXXX XXXX XXXX. I received an email that my account was paid off. 

XXXX. XX/XX/XXXX I checked the status of my title and saw that Westlake claimed that my payment on XX/XX/XXXX was returned for non sufficient funds on XX/XX/XXXX, even though my account had the funds available, and the XX/XX/XXXX payment had cleared. I called to ask to speak to a supervisor and was put on hold for over an hour, so I paid the new amount of {$210.00} anyway. XXXX XXXX XXXXXXXX. 

XXXX. XX/XX/XXXX I checked the status of my account and it indicated that my account was paid off. I have a screenshot of this. 

XXXX. XX/XX/XXXX I checked the status of my account and it indicated that my account was 7 days past due and that I owe {$220.00}, and that on XX/XX/XXXX my previous payment was returned for insufficient funds. 

XXXX. I called my bank and was told that the payments I authorized were never put through. Westlake indicates that my payments were returned for insufficient funds on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, while there were sufficient funds in my account and my bank has told me that these payments were never put through, and that there were sufficient funds each time. 

XXXX. In summary, Westlake is blocking me from paying off my car, and from making any payments at all, while they continue to charge fees and interest. I am worried that in addition to continuing to block my payments and charge me exorbitant erroneous fees, that they will attempt to repossess my car. The agents who answer the phone are unable to help me and will not connect me to a supervisor. I would like assistance with getting this company to accept my final payment minus the many erroneous fees and interest, and send me the title. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Good evening, I am filing this complaint because I am dealing with this for 8 months now. 
I wired {$5.00} XXXX to my checking account XXXX XXXX XX/XX/year>, XXXX card, they were advertising 3 % for a year. I needed some help due to my husband 's illness ( XXXX XXXX ) so I thought this would help. I need it the money to help with the treatment, unfortunately money was never deposited to my account. XXXX XXXX XXXX confirmed that the money was in someones else 's account. 
XXXX XXXX bank was unwilling to help me, they were keep sending me to my bank. My bank XXXX XXXX cant help me because it was not them who made the wire. XXXX needs to recall the wire from XXXX XXXX, they are unavailing to do so. 
This have been now XXXX  months. 
I was applying for a mortgage to purchase a small condominium and I was turn down because of this issue. I hope you can help. 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 2025-07-28 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:
Im submitting this formal complaint against Experian, regarding a charged-off account from XXXX XXXX XXXXXXXX ( XXXX in XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX. 

This is a follow-up and escalation of complaint number XXXX, which I originally submitted on XX/XX/year>. As of today, more than XXXX  days have passed and that complaint remains open with no resolution, no documentation, and no response from Experian. This delay violates the Fair Credit Reporting Act ( FCRA 15 U.S. Code 1681i ( a ) ( XXXX ) ( A ) ), which requires a resolution within XXXX  days. 

Its also important to note that Experian is the only credit bureau currently reporting this account. Neither XXXX  nor XXXX  are reporting it, which raises serious concerns about its legitimacy. If this account were truly accurate and verifiable, why is only Experian reporting it? 

I have not received : A copy of the original signed contract with XXXX XXXXXXXX XXXX An IRS XXXX XXXX XXXX which is legally required if the debt was forgiven or charged off ( under XXXX XXXXXXXX XXXX XXXXXXXX ) Any reinvestigation results or written explanation from Experian The account also contains inaccurate and conflicting data, such as : Inconsistent statuses ( Paid Charge-Off, Paid, Derogatory ) Incorrect dates, balances, and credit limit information No proof that any lawful reinvestigation took place I followed all procedures in good faith. I filed my dispute, waited more than the legally allowed XXXX  days, and received no resolution or evidence. Meanwhile, this account continues to damage my credit profile without justification. 

These actions violate multiple federal consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) Fair Credit Billing Act ( XXXX ) Truth in Lending Act ( TILA ) XXXX XXXX  ( XXXX  ) Privacy Act IRS XXXX XXXX XXXX XXXX I am formally requesting : The immediate and permanent deletion of this account from my Experian credit report A written explanation for the delay and lack of supporting documentation Copies of any documents Experian claims to have used to verify the account I have attached a copy of my government-issued ID and a recent utility bill as proof of address. 

I am simply requesting that the law be followed. No more delays. No more silence. Just a fair and lawful resolution.

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 2025-07-28 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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