vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Subject : Complaint Against Debt Collector for Failure to Send Notice of Debt Dear CFPB, I am writing to file a complaint against [ Debt Collector 's Name ], whom I believe has violated the Fair Debt Collection Practices Act ( FDCPA ) by failing to provide me with a notice of debt within the required XXXX days after initial contact. 

On XXXX, I was contacted by Westlake portfolio management regarding a debt they claim I owe. According to the FDCPA, they are required to send a written notice detailing the amount of the debt, the name of the creditor, and my rights concerning the debt within XXXX days of their initial communication. As of XXXX I have not received any such notice. 

I kindly ask that you investigate this matter and take appropriate action. Please let me know if you require any further information from my end. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I had an issue where I disputed an account I had with XXXX XXXX, where they were really slow with pulling their payments, and one time it was more than a week and a half, and they still didn't take the payment.. I called and complained about this issue and ultimately asked them to close the account. Thinking they were going to send me the difference of my deposit when I closed the account, they were still looking for me to make the monthly payments, when I didn't know that. I filed a dispute with the 3 credit reporting agencies and they investigated it and no changes were made to the report. Here it is, upon completion, they confirmed the 2 late payments and acknowledged that it closed the account, AND PAID IT OFF! They also see that i opened a new credit account, and that the XXXX account again is PAID & Closed .. those are 2 " positive '' informations on my updated report and not " negative '' and if anything my score should have XXXX, not went down, and ESPECIALLY PLUMMETED XXXX POINTS. Thats ridiculous! My score was higher before their investigation and should not have plummeted when there was only positive changes added to their update! XXXX points with a new credit card account added, and an account that was in dispute, with no changes, just them confirming the XXXX late payments dispute of how they didn't pull thier payment and reported it late, that I paid off .. nothing negative was on the update, and instead positive activity reported, but instead of my score going up, it plummeted XXXX points is ridiculous. Please help this is absolutely crazy!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
I am writing to formally dispute a fraudulent [ account/inquiry ] that appears on my credit report under the name of XXXX XXXX. I did not authorize this [ account or inquiry ], and I have never done business with your company. I believe this [ account/inquiry ] is the result of identity theft and was opened without my knowledge or consent. Please investigate this matter, provide me with any documentation you have regarding this account or inquiry, and remove it from my credit report immediately. I never gave consent to this company and do not have any knowledge of credit acceptance opening and taking my information. 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 non-monetary relief
Consumer complaint received 2025-07-21 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: NY

Complaint narrative:
I am writing to formally dispute a fraudulent [ account/inquiry ] that appears on my credit report under the name of XXXX XXXX. I did not authorize this [ account or inquiry ], and I have never done business with your company. I believe this [ account/inquiry ] is the result of identity theft and was opened without my knowledge or consent. Please investigate this matter, provide me with any documentation you have regarding this account or inquiry, and remove it from my credit report immediately. I never gave consent to this company and do not have any knowledge of XXXX XXXX opening and taking my information. 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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I requested my free annual credit report on XX/XX/year> from all credit reporting agency. Equifax could not verify my information online and I had to request a report via mail. This week I received a postcard from Equifax stating they are unable to locate a credit file for me. When I login in online to my account on EquifaxXXXX, I can see me credit file. The address listed as my current address is not correct. I have disputed this information online providing proof of my identity and address. I recently tried to apply for financing and the bank received an error when they tried to access my Equifax report which made me unable to get financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: ME

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX US Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bonus and Fee Waiver Request To Whom it May Concern : On XX/XX/XXXX, I applied online for a Business Checking account at US Bank in response to an oer to receive a {$900.00} bonus. My application was approved and all terms of the promotion were met. 
Today I realized that the bonus had not posted and a monthly fee was charged for XXXX. 
I selected Contact Us on the Banks website, followed the prompts, and dialed the provided number : XXXX. During this XXXX minute call, I was connected to XXXX XXXX. XXXX was very pleasant but she explained that she could neither address the missing bonus nor waive the fee. She was not a business banker. Therefore, I am writing to you now. 
Please pay the advertised bonus of {$900.00} and waive the {$30.00} fee. 
Sincerely, 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 2025-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: OKX INC.
State: GA

Complaint narrative:
XXXX exchange placed a restriction on my crypto account. It is a centralized exchange. They wont tell me why and have since locked about {$490.00} in my account disabling the withdraw and send functionalities. See recent email they sent me below XXXX XXXX ( XXXX hours ago ) to me Your request XXXX has been updated. To add additional comments, reply to this email. 

Dear valued customer, Thank you for reaching out and sharing your concerns with us. We truly value your feedback and want to address any issues you may have. 

We understand that you may be disappointed with our decision, and we sincerely apologize for any inconvenience this may cause. However, please know that our top priority is maintaining the security of our platform for all users.

In accordance with security and privacy protocols, we are unable to disclose the specific details of our findings. For more information on Account Termination, please refer to XXXX U.S. Terms of Service ( available at XXXX XXXX XXXX ). 

With regards to any digital assets remaining in your account, withdrawals will be suspended for 65 days from the date of this email. Please notify us at XXXX after 65 days ( XX/XX/year> ) to reactivate your withdrawal functions. 

Please understand that this decision is made with careful consideration. 

Thank you for your cooperation and understanding. 





Customer Support Please note : Our specialist will never ask for your account password, nor will we instruct you to withdraw funds to any address. 

Ticket ID : XXXX Thank you for choosing XXXX. Need help? Contact our customer support. 


This is a business notification about your XXXX account. If you've unsubscribed from our promotional emails, you'll still receive critical notifications that are legally required or could affect your service. XXXX XXXX  trading and payments services are provided by OKCoin USA Inc, dba XXXX, under applicable licenses. OKCoin USA Inc. does not engage in the offer or sale of securities. Okcoin USA Inc. is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX. NMLS ID XXXX All transactions are final. XXXX is not responsible for any delays or non-delivery due to circumstances outside of XXXX 's reasonable control, including but not limited to asset protocol disruptions or incorrect address information. Please see the XXXX XXXX Terms of Service for more details. If you have any questions, suggestions, or concerns, reach out to our support team here or contact us at XXXX ( XXXX ) XXXX. 
If your issue remains unresolved by OKCoin USA Inc., DBA XXXX, you may file a formal complaint with the appropriate state authority. For more information, please visit our Licenses Page. 

Terms | Privacy | License Copyright XXXX XXXXXXXX. All rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: NY

Complaint narrative:
Submitted to the CFPB on XX/XX/XXXX ( XXXX Round ) This marks my fourth formal identity theft dispute submission to Experian under the Fair Credit Reporting Act, specifically FCRA 605B. Despite submitting XXXX prior disputes with full documentation and receiving no adequate resolution, Experian continues to unlawfully report multiple fraudulent accounts and hard inquiries tied to identity theft. I have now provided this bureau with the following on multiple occasions : ( XXXX ) Valid FTC Identity Theft Report ( # XXXX ) ; ( XXXX ) Government-issued ID ; ( XXXX ) Social Security card ; ( XXXX ) Proof of current address. Experian has only removed XXXX tradeline ( XXXX ) but continues to report several fraudulent accounts and hard inquiriesall of which were clearly included in the FTC report and verified through previous successful deletions by other credit bureaus. XXXX refusal to delete the remaining items, or even respond with a written justification, constitutes an ongoing and willful violation of : 605B ( c ) ( 1 ) failure to block identity theft-related items within XXXX business days ; 605B ( c ) ( 3 ) knowingly continuing to report false data after receiving proper documentation. At this point, XXXX  selective and inconsistent handling of the same FTC report used by XXXX XXXX XXXX  suggests either gross negligence or deliberate obstruction of the consumers rights. The following identity theft accounts remain unlawfully on my credit file : XXXX XXXX XXXX FINANCE ( opened XX/XX/XXXX ), XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXXXXXX ( opened XX/XX/XXXX ). The following fraudulent hard inquiries also remain : XXXX CARD ( XX/XX/XXXX and XX/XX/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 all dated XX/XX/XXXX to XX/XX/XXXX. There is no clause in 605B that permits Experian to partially comply with the law, nor to ignore federally submitted identity theft documentation. XXXX  current behavior exposes it to civil liability under FCRA 616 ( willful noncompliance ) and 617 ( negligent noncompliance ). I am now requesting immediate full removal of all remaining fraudulent accounts and inquiries, a written explanation for XXXX  repeated failure to comply, and a declaration that they understand and accept their obligations under federal law. Continued defiance will result in formal escalation to the Federal Trade Commission, State Attorney General, and XXXX oversight, as well as potential legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: MA

Complaint narrative:
I am filing this complaint regarding a collection account reported on my credit report by XXXXXXXX XXXX XXXXXXXX ( on TransUnion  ) and XXXX XXXX ( on Experian ). The account is reported with inaccurate, inconsistent, and misleading information, violating the Fair Credit Reporting Act ( FCRA ). 

Key issues include : Different creditor names : TransUnion lists XXXXXXXX XXXX XXXX, while Experian lists Alight XXXX with no mention of XXXX. This inconsistency creates confusion and prevents proper validation. 

Incorrect account status : TransUnion reports this collection as an Open account, which is inaccurate. This is a third-party collection account and should be reported as closed or transferred. Reporting it as " open '' can incorrectly inflate my utilization ratio and mislead lenders. 

Wrong Terms value : Experian lists the terms as 1 Month, which is factually incorrect. I have not signed or agreed to any repayment plan with the collection agency, and this reporting is misleading and unsupported by any agreement. 

Date inconsistency : Experian shows a status update from XX/XX/XXXX, but shows a balance updated as recently as XX/XX/XXXX. This reflects either a failure to update the account properly or a reporting error. 

Missing dispute notation : TransUnion correctly shows a dispute remark under FCRA ; Experian fails to reflect this, which violates my rights under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: KS

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. 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 non-monetary relief
Consumer complaint received 2025-07-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. 

Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

INQUIRY - XX/XX/year>2025 - The following inquiry was not accurately on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: NV

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of * Fraudulent Account -- XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-07-20 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: PA

Complaint narrative:
To fully resolve this matter in accordance with federal law and consumer protection statutes, I am requesting the following : Immediate and permanent deletion of the fraudulent account and any unauthorized inquiries related to : XXXX XXXX Account Number : XXXX Blocking of all identity theftrelated information associated with this account within XXXX business days, as required by 15 U.S.C. 1681c2. 

A corrected and updated copy of my consumer credit report showing removal of the fraudulent data. 

Written confirmation that the fraudulent account and inquiries have been blocked and deleted. 

If this issue is not fully resolved within the legal timeframe, I will proceed with : Filing additional complaints with the CFPB, FTC, XXXX, and the Attorney General 's Office in both my state and yours. 

Pursuing legal action under FCRA 616, which allows for statutory damages of up to {$1000.00} per violation, plus attorney fees and actual damages. 

This is not a misunderstanding this is a case of identity theft. Ive provided all required documentation, and I expect compliance with the Fair Credit Reporting Act without delay or obstruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: RI

Complaint narrative:
On XX/XX/year>2025, the company sent a letter admitting : You are not responsible for the balance of the original account. Despite this : They migrated the same debt to a new account number in XX/XX/scrub> 2025. 
On XX/XX/year>, they withdrew {$360.00} via unauthorized auto-charge. 
They later sent account statements falsely claiming the new {$16000.00} debt is valid ( XX/XX/scrub> 2025 letter ). Statements dont override your written admission of debt invalidity. Under FDCPA XXXX ( c ), your XX/XX/XXXX letter supersedes all prior claims. 
They refuse to delete tradelines from credit reports. 
Violations : FDCPA XXXX ( XXXX ) ( A ) Falsely representing debt validity after admission of invalidity. 
XXXX XXXX Withdrawing funds without authorization. 
FCRA XXXX ( b ) Refusing to correct inaccurate credit reporting. 
Demand : Delete all tradelines related to both accounts Cancel {$16000.00} debt Refund {$360.00} + penalties

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: RI

Complaint narrative:
On XX/XX/year>2025, the company sent a letter admitting : You are not responsible for the balance of the original account. Despite this : They migrated the same debt to a new account number in XX/XX/year>2025. 
On XX/XX/year>, they withdrew {$360.00} via unauthorized auto-charge. 
They later sent account statements falsely claiming the new {$16000.00} debt is valid ( XX/XX/year>2025 letter ). Statements dont override your written admission of debt invalidity. Under FDCPA XXXX ( c ), your XX/XX/XXXX letter supersedes all prior claims. 
They refuse to delete tradelines from credit reports. 
Violations : FDCPA XXXX ( XXXX ) ( A ) Falsely representing debt validity after admission of invalidity. 
XXXX XXXX Withdrawing funds without authorization. 
FCRA XXXX ( b ) Refusing to correct inaccurate credit reporting. 
Demand : Delete all tradelines related to both accounts Cancel {$16000.00} debt Refund {$360.00} + penalties

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