vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Misapplication of Auto Loan Payment & Failure to Honor Principal-Only Terms XXXX. Summary of the Issue : My auto loan lender, Westlake Financial, verbally assured me that I could make principal-only payments at any time as long as my account was current. However, when I made an extra {$500.00} payment on [ Date ] with the intent to reduce the principal balance, the lender applied nearly XXXX XXXX to interest instead. When I called to dispute this, a representative stated that accrued interest must be paid firsta condition that was never disclosed in my loan agreement or original terms. 

XXXX. Problems with the Lenders Actions : Misleading Information : I was told I could make principal-only payments, but the lender retroactively imposed an undisclosed rule about paying accrued interest first. 

Lack of Transparency : The lender has not provided a clear breakdown of how my payments are applied ( principal vs. interest ) or a copy of my original loan terms. 

Potential Violations : This may breach the Truth in Lending Act ( TILA ), which requires clear disclosure of loan terms, and state consumer protection laws against deceptive practices. 

XXXX. What Ive Done to Resolve This : Contacted the lender multiple times, requesting : A full payment history ( principal/interest breakdown ). 

Correction of the {$500.00} payment to apply fully to principal. 

A copy of my original loan agreement. 

The lender has failed to resolve the issue satisfactorily. 

XXXX. What I Want the CFPB to Do : Investigate whether the lender violated federal lending laws ( TILA, UDAAP ). 

Require the lender to : Apply my {$500.00} payment fully to principal as originally promised. 

Provide a complete payment history and loan agreement. 

Refund any improperly charged interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OK

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: IA

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 non-monetary relief
Consumer complaint received 2025-06-25 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: MS

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 non-monetary relief
Consumer complaint received 2025-06-25 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:
This letter serves as a formal follow-up to my previous disputes. I am demanding immediate reinvestigation and deletion of multiple inaccurate and unverified accounts that continue to appear on my credit report, despite my prior requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-06-25 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: NJ

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. My personal information was compromised in the Equifax data breach, and as a result, unauthorized and fraudulent activity has appeared on my credit report. Specifically, the account listed below was not opened by me and was established without my knowledge or consent : Fraudulent Account : Creditor Name : Lead Bank Account Number ( partial ) : XXXX * * * * In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am formally requesting that this account be blocked and permanently removed from my credit report. Under 15 U.S. Code 1681c-2 ( Section 605B of the FCRA ), you are required to block the reporting of any information that is the result of identity theft within four ( 4 ) business days of receiving proof of identity, a police report, and a statement from the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I would like to file a complaint Regarding Newrez Mortgage company. The company has violated numerous laws by engaging in the following actions : XXXX. Creating an escrow account where none was required. ( Fraud ) XXXX. Charging fees where none were required. ( Fraud ) XXXX. Refusing to post my regularly deposited payments, because they claim I havent made the full payment. In reality, I overpay monthly. ( Fraud ) XXXX. Refusing to or unable to solve the problem they created, in a timely fashion. 
XXXX. Telling me they purchased {$2000.00} worth of insurance on my behalf, and then saying they would not solve the problem until I reimburse them? I believe this is called extortion and fraud. 
XXXX. Threatening my good credit. More extortion. 
XXXX. Threatening to charge additional fees. 
XXXX. The company has admitted to wrongdoing on recorded calls, yet fails to take remedial action. 

Newrez 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 explanation
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

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 2025-06-25 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 a victim of identity theft due to a data breach, and several fraudulent accounts were opened in my name. These accounts appear on my credit reports with TransUnion. I never authorized or opened these accounts. 

I submitted disputes with the credit bureaus and provided supporting documents, including my ID, proof of address, SSN, and an FTC Identity Theft Report. 

Despite my efforts, the fraudulent accounts remain. I am requesting the CFPBs assistance to have these negative entries permanently deleted and to ensure no further identity theft-related damage occurs.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against TransUnion LLC for its willful failure to comply with federal law under the Fair Credit Reporting Act ( FCRA ) and Internal Revenue Code ( IRC ) by refusing to block and delete a fraudulent tradeline reported by XXXX XXXX XXXX ( File No. XXXX ). I submitted all required documentation, including a valid identity theft report, government ID, utility bill, and evidence IRS accepted a Form 1099-C. TransUnion declined the request using vague and unsupported reasoning, violating FCRA 605B ( 15 U.S.C. 1681c2 ), which requires blocking of fraudulent accounts within four business days. 

The account was created without my authorization or contract, using my identity fraudulently on XX/XX/XXXX, and is scheduled to remain until XX/XX/XXXX. This violates Georgia Code 16-8-3 and 16-9-121 ( Theft by Deception & Identity Fraud ) and 18 U.S.C . 1028 ( a ) ( 7 ) under federal law. Additionally, the continued reporting of a canceled debt ( per IRS Form 1099-C ) violates IRC 166, Treasury Reg . 1.166-2, and IRC 108, as canceled debt becomes incomenot a collectible liabilityand can not lawfully be reported as delinquent.

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 2025-06-25 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: KY

Complaint narrative:
Bank of America wrongfully denied my dispute on a technicality, despite clear evidence of merchant misconduct and my consistent good-faith efforts to resolve the issue. 

What Happened : I disputed a {$1600.00} charge with the travel agency XXXX after they failed to return the full refund I was owed. The airline ( XXXX XXXX ) confirmed in writing that all penalty fees were waived, yet XXXX still deducted {$570.00} in " penalty fees '' plus other unjustified charges and fees for services I did not receive. They also double-charged a processing fee : once at booking and again during the refund process. 

I submitted all supporting documentation, including : Written confirmation from the airline waiving penalty fees Refund breakdowns showing XXXX  improper deductions Screenshots and multiple email and phone records proving XXXX withheld funds they were not entitled to Timeline : XX/XX/XXXX : I purchased the ticket through XXXX. 

XX/XX/XXXX : XXXX issued only a partial refund, despite the airlines waiver of penalties. 

XX/XX/XXXX XX/XX/XXXX : I was in active communication with XXXX and XXXX XXXX, trying to resolve the improper deductions. 

XX/XX/XXXX : After months of delays and no resolution, I submitted a formal dispute to Bank of America. 

Bank of America denied my claim citing that the refund occurred more than 60 days before I filed the dispute. This is an unfair and overly narrow application of the policy because : I acted in good faith by attempting to resolve the issue directly with XXXX and the airline, which is the expected and encouraged first step. 

I initiated the dispute as soon as it was clear that XXXX was refusing to return the full refund owed to me. 

I submitted detailed documentation demonstrating ongoing communication and my attempts to resolve the matter well within a reasonable timeframe. 

Worse, Bank of America stated they attempted to contact me by phone and letter this is false. I received no contact whatsoever. When I called for an update, I was told that no one had reviewed my documentation or was working on my case. I had to escalate it myself just to get a response and only then was I informed the claim had already been denied after the deadline to respond had passed. 

Summary : This dispute has been mishandled at every step : XXXX acted dishonestly and withheld funds improperly. 

Bank of America denied my claim without proper review of my evidence. 

I was misinformed and denied a fair chance to respond or clarify the situation.

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 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: SC

Complaint narrative:
I am disputing this account. I never authorized XXXX XXXX XXXX to report or collect on this debt. No contract has been provided, and the alleged debt from XXXX was never validated. This account may be the result of identity theft or unauthorized data sale. Under FCRA 15 USC 1681i and 1681b, I request immediate deletion until full validation is shown.

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 2025-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: FL

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections.

Breach of the Privacy Act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. 
Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk and disclosure to third parties

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I understand that the CFPB has filed a statement of interest in the XXXX  bankruptcy case, indicating their belief that XXXX  may have violated the Consumer Financial Protection Act. I am writing to provide a personal statement regarding the financial and emotional harm I have experienced as a result of the account disruptions tied to XXXX XXXX XXXX and its associated partner banks and fintech platforms. 

I was a customer of Juno, a fintech company which used XXXX XXXX XXXX to facilitate banking services. My account was held at XXXXXXXX XXXX XXXX XXXXXXXX and was frozen on or around XX/XX/year>, without warning. 

When my account was frozen, I had {$2100.00} in the account. Since then, I have recovered {$0.00}, leaving {$2100.00} still inaccessible over a year later. 

This interruption has caused me significant hardship. Specifically : I was very close to not being able to pay my mortgage or child 's day care but managed to do so by taking on additional debt which has started to snow ball out of control. I was forced to take personal loans, open additional credit cards, and the like in order to keep my world turning. The stress was extreme to say the least. 

I am not a venture capitalist or an institutional investorI am a retail consumer who trusted a financial product that was marketed as safe and FDIC-insured. No one should lose access to their legally deposited money because of behind-the-scenes failures between banks and middleware providers.

Company response to consumer: Closed with explanation