vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: KY

Complaint narrative:
I have an Auto Loan through WestLake financial for a used vehicle. I set up recurring payments on XX/XX/year>. My first installment went through as requested per my automatic payments, XX/XX/year>, but for the last XXXX months I've been prompted to change my automatic payment date without my consent leading me to have to manually put in my payments the day of my bill. The payment for the month of XXXX was manually filed on XX/XX/year> but was not withdrawn from my account until XX/XX/year> and was marked late and reported to credit agencies as late. I had to set up my automatic payments manually for a second time on XX/XX/year> for the same date as my original automatic payments. The same issue occurred for the month of XXXX, billing date XX/XX/year>, and has still not come out of my account as of XX/XX/year> for the XX/XX/year> installment. There is no way to speak directly to customer representatives VIA phone and I've had difficulty reaching the company through alternate methods. This has negatively impacted my credit score and I feel as if it is false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-23 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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. EQUIFAX EXPERIAN TRANSUNION 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update 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 non-monetary relief
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
XXXXCFPB COMPLAINT  TransUnion NarrativeXXXXOverview of the IssuXXXXI submitted a written dispute to TransUnion LLC on XXXX XXXX XXXX, regarding inaccurate and unverifiable information appearing on my credit report. The dispute was sent via certified mail (XXXX XXXX XXXX XXXX XXXX XXXX XXXX) and was delivered on XXXX XXXX XXXX signed for by TransUnions agent XXXX XXXXMy dispute included full proof of identity and address  a copy of my U.S. Passport and a utility bill  in compliance with 15 U.S.C.  1681h(a)(1XXXXDespite this, TransUnion responded on XXXX XXXX XXXX, claiming, We recently received a request involving your credit information. However, it didnt appear to come from you or someone you authorized. This statement is demonstrably false.XXXXTransUnion failed to conduct a reasonable reinvestigation as required by 15 U.S.C.  1681i(a) and did not ensure maximum possible accuracy under  1681e(b). The same inaccurate and unverifiable tradelines remain on my report, and TransUnion provided no documentation or evidence to support their continued 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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
XXXX is a joke and they are a fraud. On XX/XX/XXXX, XX/XX/XXXX XXXX and XXXX for transactions of {$49.00} were flagged for fraud and I never made the purchases. They froze my account due to this, which I was glad about. Due to this, they needed me to prove that I was the card holder and the owner of this account which I have done more the numerous times. I have gone to XXXX and paid over {$20.00} to fax them information XX/XX/year>. They told me they could not read all the documents that they requested, and they told me to do it again. I do not own a fax machine or know anyone that owns fax machines to this date. I downloaded two apps on my phone and have been paying over {$30.00} per month to keep on faxing the information over and over to them and they keep on refusing to verify. I am the person and I am the card holder. I had enough with them. I had to stop the apps because Im not paying money for something I do not need also its never good enough for them and they said they cant read the information which I know. I have looked at the faxes that came back that were sent, and you can clearly see in the pictures the information very clearly and it was me. I paid the credit card off in full all the money that was owed I made with purchase purchases. The only balance that was left was the fraud that was on my credit card which they did take off and then they put back on. I think the total wise {$190.00}. I will not pay for fraud, and I refuse to pay for the fraud. I can not log into my account because of them they deny me and I can not close my account which I have cut up the credit cards. I do not want this anymore. I went out and got another credit card. I do not need this credit card anymore. This company is continuously charging me interest and now my credit is being messed up because of frontier credit card due to. I am not paying for fraud. I have called almost every single day since XXXX until this day and talked to everyone. Theyre extremely rude and do not help me and hang up the phone on me. I just want this credit card canceled and I want my credit to be restored how it was. I have never had a late payment with them until now because of the fraud. I want this count of closed ASAP. Please help me.

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 2025-10-23 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: KY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Verify disputed accounts are promptly taken off as required by regulation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Yesterday, XX/XX/XXXX I tried to buy flowers from a local flower store in XXXX Florida. Robin Hood thought it was appropriate to then restrict my account and not let me have access to my funds anymore over flowers. They wont unlock my account. They wont send me to a supervisor. They wont take what I say that the flowers were purchased legally I had to use a different credit card using XXXXXXXX XXXX to purchase the flowers. I have called Robinhood several times and they do not help on restricting my account. My direct deposit from Work is put into this account. This is my only way to live. This is the only funds I have to eat food and pay bills and they think its appropriate to lock my account for 4+ days. Will they do some XXXX XXXX  review to see if my purchase was legal well when the flower show up to the house of the person I bought the flowers for well guess what would that be my purchase legal and real and not scammed who does Robin Hood think they are if they can lock someones checking account for 4+ days because they feel like it. If my account is not unlocked in a timely matter, Im gon na file a lawsuit and sue them for emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: LA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES 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 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 2025-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mediation Recovery Center
State: MD

Complaint narrative:
Hello, I am being targeted of owing a debt of {$1400.00} dollars due to XXXX XXXX XXXX. They are no longer in business, and it says the Collector is XXXX. I put in a claim through XXXX  that was denied. I do not owe XXXX XXXX XXXX any money. XXXX has already dinged my credit over XXXX points with XXXX  and put it on my record. The outreaches have all said " XXXX XXXX '' that is not my name. I have seen numerous other people being targeted falsely for this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: KY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-23 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: OH

Complaint narrative:
In early 2025, I disputed a XXXX XXXX collection account that appeared on my credit reports with TransUnion, Experian, and Equifax. The account shows a balance of approximately {$530.00}. I requested full validation of this alleged debt, including proof of ownership, a signed agreement, and an itemized billing statement. 

Despite multiple written disputes and consumer statements, XXXX XXXX did not provide any documentation to verify the debt. However, the credit bureaus each marked the account as verified, and the item remains on my reports more than five months after the 45-day reinvestigation period required by law.

I believe this violates the Fair Credit Reporting Act ( FCRA 611 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ), because the bureaus verified information that was never validated by the furnisher.

I am requesting that the CFPB investigate this issue, require XXXX XXXX and the credit bureaus to provide proper validation, and delete the account if verification can not be produced.

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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year> I deposit a check any amount of {$1900.00} the check was declined twice and then went into the bank and deposited the check {$270.00} of the check was supposed to be available to me that day by law the next day, the remainder of the check should have been available to me. The bank seller told me that my XXXX will not be available until Wednesday and then the remainder would be available on Thursday today is XXXX XXXX and I have yet to receive my funds. I called the bank that asked them to take the hold off. Theyre telling me that they cant take the hold off. They dont know why they cant take the hold off and they telling me that her email was sent yesterday evening stating there was a XXXX day hold on my check when there should not be a XXXX day hold on my check because its less than {$5000.00}. this is completely illegal and Im very frustrated. Something has to be done about this. No one seems to care theyre going against federal laws and Im sick of 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 2025-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I called wf over XXXX  months ago. There are XXXX joint accounts XXXX being XXXX. I received a statement dated XX/XX/XXXX from that account. WF was given a court order in XXXX from my ex 's attorney with my divorce decree. This account wasn't supposed to go soley to him nor XXXX other similiar accounts. WF admitted they knew of the divorce yet they moved mutual checking accounts monies, placed fraud by now not stopping my ex from moving joint monies even though they had the court order and divorce decree in hand as admitted by the XXXX office. They called a few times and now havent called in XXXX weeks for the checking and brokerage accounts. I alo have my own ccd from they which they keep my access from. I went into a branch, I'm XXXX, the yelled at me that I was taking up too uch time and made me leave because other customers were waiting. 
I have XXXX claim numbers XXXX that's for the credit card which they haven't fixed my access too nor will they. It has been over XXXX  months XXXX is the XXXX team on that one and won't allow me to move this up to a higher level. I have cash back plus fraudelent charges, which they ignored. 

The other case number is XXXX. I was told all those accounts were moved in XXXX to XXXX, XXXX, and some other company in XXXX. That's impossiblle, I have the XXXX statement and very upset that my ex and WF committed fraud and this could be over XXXX XXXX dollars in total if not more that is my XXXX. He neglected to put these accounts on the divorce decree yet WF worked with my ex, having the divorce decree and knowing all our joint assets .I 'm not getting any answers.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AXOS FINANCIAL, INC.
State: MT

Complaint narrative:
On XXXX, XXXX, XXXX sent email acknowledge of insurance change On XXXX, XXXX, XXXX sent a letter threatening junk fees and charges for not having insurance. 
All parties, XXXX, old insurance, new insurance have been contacted before XXXX sent their scam letter On XX/XX/year> the new insurance company, XXXX XXXX, sent the new XXXX XXXX to XXXX. 
On XX/XX/year>, I contacted old insurance ( XXXX XXXX ) to inform of new insurance policy change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of 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 non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with explanation