vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: MO

Complaint narrative:
Product : Vehicle loan Issue : Trouble getting title/lien release after payoff Company : Westlake Financial Services Summary : Westlake Financial has failed to timely and correctly provide a lien release for my paid-off vehicle and repeatedly mailed it to the wrong address despite address confirmations. I need a digital lien release immediately to complete a vehicle sale. 

What happened : I paid off my auto loan with Westlake Financial ( Acct : XXXX ], VIN : [ XXXX ], [ XXXX XXXX XXXX ) on XX/XX/XXXX. Under Missouri law ( RSMo 301.640 ), lenders must release liens within 30 days of payoff. Westlake did not mail a lien release until XX/XX/XXXX, approximately 46 days after payoffoutside the statutory timeframe. 

On XX/XX/XXXX, Westlake stated they sent a lien release again, but it was mailed to an old address even though I had updated my address. On XX/XX/XXXX, I called and Westlake confirmed the correct new address would be used going forward. However, on XX/XX/XXXX and XX/XX/XXXX, Westlake representatives told me the lien release had been sent to the old address again. 

These errors have prevented a pending vehicle sale. I have repeatedly requested a digital copy ( email or fax ), and I have given explicit consent in writing to receive the lien release electronically. Westlake has refused or failed to send it electronically despite my consent and the urgent need. 

I have records of the payoff, call dates, address confirmation, and Westlakes statements. 

Resolution Requested : Westlake to email or fax a legible digital copy of the lien release immediately so the sale can proceed. 

Westlake to confirm filing with the Missouri Department of Revenue to ensure the lien is fully released in state records. 

An explanation for the delay beyond 30 days and for mailing to the wrong address after confirmation. 

Consideration of goodwill compensation for delays and any costs incurred due to Westlakes noncompliance and mis-mailings. 

Key Dates & Facts : Payoff Date : XX/XX/XXXX First mailing by Westlake : XX/XX/XXXX ( XXXX days post-payoff ) Mailing sent to old address : XX/XX/XXXX Correct address re-confirmed : XX/XX/XXXX Calls again : XX/XX/XXXX & XXXX, XXXX ( told it went to old address ) Urgent need for digital lien release today to complete sale I consent to electronic delivery : Email [ XXXX ] Contact Information : Name : XXXX XXXX Phone : ( XXXX ) XXXX XXXX Email : XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: LA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
IC Systems a Debt collection co is now trying to collect for XXXX apparently they do not own this debt. They make a false Late. payment claim which they say is related to XXXX XXXX data breaches in XXXX when I joined a class action lawsuit and closed this account. 

IC does not own this debt and this payment it was paid in full on time but then disputed and refunded but XXXX is able to make a false claim against us of being late. This feels like more fraud to me but because XXXX  says they validated the claim we want to understand what is going on here but looks like harassment because I was part of a lawsuit against them. 

I spoke to this debt collector credit about this late comment and that it is inaccurate and they say to call XXXX when we call XXXX they refer us back to IC System. 

The debt was paid in full but then disputed and we were refunded by XXXX in XXXX for this amount and any additional funds they claim were resolved in a class action lawsuit for the data loss in XXXX which we were part of.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My ( Equifax ) credit report information has disappeared from my credit file. This is inaccurate and incomplete reporting, which prevents me from having a full and fair credit profile. I am entitled under the Fair Credit Reporting Act ( FCRA ) to have access to accurate and complete credit information from all three major credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IA

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These accounts are being reported under my name without my knowledge or authorization, and I have never opened, managed, or approved them. This is unacceptable and constitutes the reporting of false and misleading information about my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts is a matter of grave concern. I require immediate clarification regarding why these accounts are appearing and who is responsible for reporting them.

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 2025-09-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Data Mortgage Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I closed on my property at XXXX, TX through XXXX XXXX  XXXX At closing, I prepaid one full year of hazard insurance ( {$2200.00} ) and funded escrow reserves. 

Despite this, in XX/XX/XXXX, XXXX charged my escrow {$3300.00} for lender-placed insurance even though I had valid coverage in place. In XX/XX/XXXX, they charged an additional {$3900.00} for hazard insurance. In XX/XX/XXXX, they refunded {$3200.00}, but my escrow balance remained negative by {$1100.00} instead of being fully corrected. 

In XX/XX/XXXX, they paid {$4100.00} for my valid insurance renewal ( per my insurance declaration ). In XX/XX/XXXX, they paid {$4500.00} for renewal again. These charges are valid, but the prior force-placed and duplicate charges created a manufactured shortage that was never corrected. 

XXXX escrow analysis now claims a {$9100.00} shortage and increased my monthly payment from {$3100.00} to {$3700.00} effective XX/XX/XXXX. Property tax estimates used were also inflated above the actual XXXX County tax bill. 

I request correction of my escrow account, reversal of improper charges, proper application of refunds, and a corrected escrow analysis showing my lawful monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: IL

Complaint narrative:
I am filing this dispute because my credit report contains accounts that I did not authorize or open. I was never notified of their addition, and the information being reported is inconsistent across the credit bureaus. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires reporting agencies to assure the maximum possible accuracy of reported information.

These errors also violate 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or removed within XXXX  days, and 15 U.S.C. 1681g, which ensures consumers receive accurate disclosures of their credit file.

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 2025-09-12 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 filing this dispute because my credit report contains accounts that I did not authorize or open. I was never notified of their addition, and the information being reported is inconsistent across the credit bureaus. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires reporting agencies to assure the maximum possible accuracy of reported information.

These errors also violate 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or removed within XXXX  days, and 15 U.S.C. 1681g, which ensures consumers receive accurate disclosures of their credit file.

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 2025-09-12 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:
Im going through a very distressing situation because Ive been a victim of identity theft. Several fraudulent accounts are showing up on my report, and this is severely impacting my financial and personal situation. I urgently ask that you block and remove these accounts as soon as possible, as every day that passes is causing me more problems. I need immediate action, as this situation is affecting my peace of mind and my daily life. 
Taking into account the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$14000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Equifax Only the XXXX XXXX, XXXX, XXXX and kickoff cards are showing on my credit report but there should also be : XXXX XXXX card of {$8700.00} Credit limit. Opened XX/XX/XXXX I have tried to call Equifax to assist with the issue to no avail. They are leaving out information from my credit report although XXXX XXXX has told me they are reporting the information to all XXXX credit bureaus but they are not adding the information. Please add the tradelines to my credit report effective immediately or i will have to escalate the matter further. 

Experian Only the capital XXXX credit card, chime and kickoff cards are showing on my credit report but there should also be : XXXX ( XXXX bank XXXX XXXX ) card of {$3000.00} credit limit. Opened XX/XX/XXXX XXXX XXXX XXXX {$8400.00} limit. Opened XX/XX/XXXX I have tried to call Experian, write, all to no avail. They are leaving out information from my credit report although XXXX bank and XXXX XXXX have told me they are reporting the information to all XXXX credit bureaus but they are not adding the information. Please add the XXXX tradelines to my credit report effective immediately or i will have to escalate the matter further. 

* Also please remove the XXXX card inquiry. I have no open account on my credit report that justifies the inquiry to be there by law. Please remove immediately.

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 2025-09-12 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-09-12 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: UT

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-12 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX Date : XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$1300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief