vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Volvo Car Financial Services U.S., LLC
State: CA

Complaint narrative:
See attached document for more details : I leased a XXXX XXXX XXXX in XX/XX/XXXX for XXXX  months. Later, VCFS approved an official lease extension to XXXX  months. I returned the vehicle on time during the XXXX month to an authorized dealership ( XXXX XXXX, XXXX XXXX ) as instructed by VCFS. 

At lease signing, I purchased the optional XXXX XXXX XXXX as recommended. Before returning the vehicle, I informed the dealership that the vehicle had this protection. However, after the vehicle was returned, VCFS billed me over {$3200.00} for excessive wear and damage even though I was told those items should be covered under the protection plan. 

When I contacted XXXX XXXX, they told me that only the dealership or service center could file a claim, not the customer. I was never informed by VCFS that a claim had to be filed before vehicle return. This condition was never legally or clearly disclosed during the leasing process.

I completed all payments on time, followed all procedures, and returned the car in good faith. I believe the failure lies between VCFS, the dealership, and the protection provider. The customer should not be financially penalized for a protection plan that failed due to lack of communication between those parties. 

I request a review of the charges and removal of the amounts that should have been covered by the XXXX XXXX policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-27 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: TN

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: TN

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-26 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:
these hard inquires are fraudulent. I DID NOT authorize them to check mi credit. I HAVE NEVER REQUESTED YOUR SERVICES. PLEASE REMOVED OF MY CREDIT REPORT XXXX XXXX XXXX XX/XX/year>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 XXXXXX/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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
these hard inquires are fraudulent. I DID NOT authorize them to check mi credit. I HAVE NEVER REQUESTED YOUR SERVICES. PLEASE REMOVED OF MY CREDIT REPORT XXXX XXXX XXXX XX/XX/year>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 XXXXXX/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 2025-06-26 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: KS

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-26 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: IL

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Personal Information on Credit Report Dear Experian Dispute Department, I am writing to formally dispute and request the removal of inaccurate personal information that appears on my Experian credit report.

Upon reviewing my credit file, I discovered that it contains multiple variations of my name and multiple addresses that are incorrect and not associated with me. These inaccuracies are damaging and misleading, and I request that they be investigated and removed immediately to ensure my credit report reflects only accurate and verifiable information. 



Correct Personal Information : Full Legal Name : XXXX XXXX XXXX Current and Only Address : XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX I have never legally used any other name nor resided at any other address aside from the one provided. These inaccuraci

es may have resulted from a data entry error or a case of mistaken identity. Either way, they do not belong on my file and must be removed.

Please conduct a reinvestigation in compliance with the Fair Credit Reporting Act ( FCRA ), correct my credit report accordingly, and provide me with an updated copy of my credit report reflecting the changes. 



I have enclosed a copy of my government-issued ID and a recent utility bill as proof of my identity and current address. 



Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and notify me in writing of the outcome of your reinvestigation. 



Sincerely, 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 2025-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am filing this complaint against Westlake Financial Services and XXXX XXXX XXXX XXXX XXXX # 2 regarding a wrongful threat of repossession of my vehicle, despite the fact that I was only late on my first payment and have since brought my account fully current. 
I have a recorded call with a representative from their office stating clearly that I was not under review and had nothing to worry about. Yet, I was later contacted by Westlake and instructed to return my vehicle under threat of repossession.

This action contradicts their prior statements and creates distress over an account that is not in default. It may violate Texas Property Code 9.609 and federal consumer protection laws by engaging in deceptive or coercive collection tactics. 
This vehicle is covered under a VSC ( Contract # : XXXX ) purchased on XX/XX/year> through XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. The lienholder is Westlake Financial ( XXXX XXXX XXXX, XXXX, CA ). 
I am requesting that your office investigate this matter and hold Westlake Financial and XXXX XXXX XXXX accountable for their conduct. I can provide audio recordings, payment confirmations, and written communication upon request. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: IL

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
Consumer complaint received 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am writing in response to the unexpected notices received indicating the closure of my personal, business, and my wifes accounts at TD Bank under a Case Number. The decision has caused great concern, as we have not been contacted previously nor provided with any opportunity to clarify or respond to the reasons behind this measure.

I respectfully submitted a formal request for clarification and reconsideration regarding the closure of my TD Bank accounts. On XX/XX/year>, I personally visited TD Bank with the intention of delivering a letter of clarification. However, both the banker and manager declined to receive the documentation, stating that I must submit it on my own ; especially after I mentioned that I had legal counsel.

Additionally, I wish to express my concern that the letters I received from TD Bank on XX/XX/XXXX, informing me that the personals and business accounts will be closed effective XX/XX/XXXX, XXXX not provide : - A phone number to contact, - An email address for inquiries, - Nor the name of the department or person responsible for this decision.

This lack of contact information left me with no clear way to communicate with the bank or obtain assistance. I had to independently investigate how to address this matter and identify your website as the appropriate and useful contact.

Furthermore, the refusal of the branch to accept my documents has left me feeling completely unprotected by TD Bank, as I have had no opportunity to legally dispute or clarify the situation, nor to provide any relevant information that may be necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
My account with XXXX XXXX XXXX  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 in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company 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 2025-06-26 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: GA

Complaint narrative:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-06-26 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: AL

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I paid off my Affirm account in [ 2022 ] and provided documentation, but it continues to report negatively on my credit report. Ive contacted Affirm directly and disputed it with the credit bureaus. This is inaccurate reporting and a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
Subject : Urgent Follow-Up Request to Block Fraudulent Information Under 15 U.S.C. 1681c-2 ( Identity Theft ) Dear Sir/Madam, I am writing again regarding my previous dispute request for the blocking of fraudulent information from my credit report, as required under 15 U.S.C. 1681c-2. As of today, it has been more than four business days, and you have failed to take any action on this matter. 

XXXX XXXX Opened XXXX {$900.00} XXXX Opened XXXX {$910.00} XXXX XXXX XXXX  Opened XXXX {$1000.00} XXXX XXXX Opened XXXX {$3700.00} Closed accounts XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX Closed on XX/XX/XXXXXXXX XXXX XXXX XXXX Closed on XX/XX/XXXX This is an unacceptable delay and a violation of the law. This account was fraudulently opened in my name, and I have provided all necessary documentation, including a FTC identity theft report. As per the FCRA, you are required to block this information within four business days of receiving my request yet here we are, with no action taken.

I demand that you immediately block this fraudulent account from my credit report and send me written confirmation that it has been done. If you fail to do so within the next 48 hours, I will be forced to escalate this matter with the appropriate regulatory authorities and pursue legal action for non-compliance.

Additionally, if you claim that you can not fulfill my request, you must provide a clear and detailed explanation as to why this can not be done. I expect prompt resolution of this issue, and I will not tolerate any further delay.

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 2025-06-26 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: MA

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 2025-06-26 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: MA

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 non-monetary relief