vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 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: LA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have recently received a copy of my credit report and notice several inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

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 2025-05-22 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: KS

Complaint narrative:
I have recently received a copy of my credit report and notice several inaccurate and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and my credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MD

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
We received an insurance claim for a XXXX XXXX XXXX XXXX. The work is XXXX XXXX complete. We have made multiple requests for our money from XXXX XXXX, who has paid the claim, New Rez has the money because it required their endorsement. New Rez is holding our money. Every request comes with false claims that " the check is in the mail '', " We are working on it. '' New Rez now has a balance of {$150000.00} and we only owe {$60000.00} left on our loan balance. There is now an overage of {$92000.00} of our money that New Rez is not releasing to us. They are stealing our money. They have a new statement each day we call. Each time they promise to send it back and we have yet to receive it after XXXX XXXX. Each phone call is XXXX XXXX  on hold. We have spoken to multiple supervisors who have all promised the money would go out and it has not been sent and now they will not return calls or emails. Under XXXX  law the overage can not be held.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Subject : Formal CFPB Complaint Against Clarity Services ( An Experian Company ) Willful FCRA Violations, Refusal to Unfreeze Consumer Report, and Obstruction of Credit Access To Whom It May Concern, I am filing this formal complaint against Clarity Services , XXXX, a subsidiary of Experian, for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other applicable consumer protection laws. Clarity Services is knowingly and unlawfully refusing to lift a fraud alert and/or unfreeze my consumer report despite my repeated verified requests and the full submission of identity documents as required by federal law. 

Background and Summary of Facts : I have contacted Clarity Services on numerous occasions in good faith to request the removal of a fraud alert and to unfreeze my consumer file. 

I have provided all legally required identity verification documentation, including government-issued identification and proof of address, in full compliance with 15 U.S.C. 1681h. 

Despite complying with every lawful requirement, Clarity Services has unlawfully refused to honor my request, giving no legal justification and continuing to block access to my consumer report. 

This has directly and materially harmed me by obstructing my access to credit, resulting in multiple denials, financial losses, and emotional distress. 

Legal Violations : Clarity Services is in willful violation of the following federal laws and regulations : 1. FCRA 1681c-1 Fraud Alerts and Active Duty Alerts : Clarity has failed to act within the mandated time limits to verify or remove an active fraud alert once proper documentation was submitted, as required under 1681c-1 ( a ) ( 2 ) and ( c ) ( 2 ).

2. FCRA 1681h Conditions and Form of Disclosure to Consumers : Clarity was obligated to act upon my identity verification documents and has no legal basis for refusing my request after such verification.

3. FCRA 1681g Full Disclosure of File : Clarity is further in violation for failing to disclose the full content of my consumer report after I requested it in writing, a separate but related offense under the FCRA.

4. FCRA 1681b Permissible Purposes for Furnishing Reports : By maintaining a fraud alert that blocks third-party access without legal justification, Clarity is preventing permissible access to my credit file by lenders with a legitimate purpose, thereby interfering with my financial affairs. 

5. CFPB Regulation V ( 12 CFR Part 1022 ) : Claritys refusal to act is a direct violation of CFPB 's rules regarding consumer access and identity verification, and constitutes a pattern of neglect and obstruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I looked at my consumer report and it was incorrect, Please fix the corrections thank you upon request, Delete all inquires because they all are unauthorized and XXXX out my XXXX  loans. No late payments or other inaccuracies shall be reported to my report as my information was leaked in a data breach. I have a right to fix and address the incorrect information, Please fix no less than 24-48 hours, correspondence is needed after all had been corrected, Thank you.

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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I looked at my consumer report and it was incorrect, Please fix the corrections thank you upon request, Delete all inquires because they all are unauthorized and XXXX out my XXXX  loans. No late payments or other inaccuracies shall be reported to my report as my information was leaked in a data breach. I have a right to fix and address the incorrect information, Please fix no less than 24-48 hours, correspondence is needed after all had been corrected, Thank you.

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 2025-05-22 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:
I looked at my consumer report and it was incorrect, Please fix the corrections thank you upon request, Delete all inquires because they all are unauthorized and XXXX out my XXXX  loans. No late payments or other inaccuracies shall be reported to my report as my information was leaked in a data breach. I have a right to fix and address the incorrect information, Please fix no less than 24-48 hours, correspondence is needed after all had been corrected, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-22 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: NV

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Subject : Formal Dispute Under FCRA Inadequate Investigation of Bankruptcy Reporting Dear Credit Reporting Agencies, I am writing regarding the recent results of my credit report dispute under the Fair Credit Reporting Act ( FCRA ), specifically concerning a XXXX  XXXX bankruptcy reported by your agency as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # : XXXX Date Filed : XX/XX/XXXX Date Paid : XX/XX/XXXX Date Updated : XX/XX/XXXX Court Location : XXXX XXXX XXXX XXXX, XXXX, MI XXXX Attorney : XXXX XXXX XXXX Status : XXXX Est. Removal Date : XX/XX/XXXX You have responded with : Verified as Accurate. 
I respectfully assert that your investigation process is incomplete and potentially noncompliant with your obligations under 15 U.S.C. 1681i and 1681e ( b ) of the FCRA. Specifically : 1. Courts do not report to credit bureaus.

The U.S. Bankruptcy Court has confirmed that it does not verify or validate consumer information for credit reporting agencies. 
2. FCRA requires a reasonable reinvestigation.

Simply referencing public court records, or relying on third-party vendors, does not constitute a reasonable investigation per XXXX XXXX XXXX XXXX and similar rulings XXXX 
XXXX. Your response lacks clarity and verification. 
You have not provided any documentation that validates how the status, dates, or attorney information were confirmed or how the listing was matched accurately to my identity and credit file. 
Request for Action : Please provide a detailed explanation of your reinvestigation procedure, including the specific method used to verify this item. 
If you can not provide documentation directly from the original furnisher or verified public record validating the information as reported, the item must be deleted from my credit file pursuant to FCRA 1681i ( a ) ( 5 ) ( A ). 
If I do not receive a satisfactory resolution within the timeline provided under federal law, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and may pursue legal action for FCRA violation

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 2025-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am submitting this complaint against Westlake Financial Services regarding serious misconduct in connection with my auto loan for a XXXX XXXX XXXX. 

On XX/XX/XXXX, I was informed by the selling dealer that Westlake had rescinded my loan and issued a repurchase demand. I had received no prior written notice of default, cancellation, or any communication from Westlake suggesting that adverse action was being taken. In fact, Westlake continued to send me billing statements and account updates, which gave the appearance that the loan had been accepted and was active.

Upon learning of the cancellation, I immediately contacted Westlake three separate times that same day to request clarification and resolve the issue. I was told only that the account was under review. I was never informed that the loan had already been terminated. I also submitted a formal request for reinstatement on XX/XX/XXXX, which has gone completely unanswered. 

Westlakes actions appear to violate several consumer protection laws, including : California Civil Code 2983.3 ( b ) failure to provide written notice of default and a 15-day opportunity to cure before cancellation ; California Civil Code 2983.2 ( a ) failure to notify the consumer in writing prior to terminating or reassigning the contract ; Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) no required 30-day notice was provided before any negative credit reporting ( if applicable ) ; California Civil Code 1785.25 ( a ) prohibition on furnishing incomplete or inaccurate credit information ; XXXX XXXX, XXXX XXXX. XXXX ( UDAAP ) for deceptive and abusive conduct in financial services. 
To date, Westlake has not responded to my written request for reinstatement, nor have they provided any lawful justification for canceling the loan without due process. I have also filed a complaint with the California Department of Financial Protection and Innovation ( DFPI ) and am consulting with legal counsel. 

I am requesting that the CFPB investigate this matter and ensure that Westlake : Provides a full explanation of its actions and the legal basis for rescinding the contract ; Offers an opportunity to reinstate the contract or a lawful resolution ; Confirms that no negative credit reporting has been made or will occur ; Is held accountable for violations of consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/year>, I attempted to add funds to my Cash App account using my verified and linked XXXX XXXX XXXXXXXX checking account, but the app refused to process the transfer. When I contacted customer service, I was informed that the only option for adding money was through a cash deposit at a retailer, which comes with an unnecessary fee. While the customer service representatives were polite, they failed to address my concerns effectively. It was unacceptable that they could not provide solutions for the transfer issues and even ended the call abruptly when I asked to speak with a supervisor or a more seasoned customer support agent. This experience was frustrating and unsatisfactory.

Company response to consumer: Closed with explanation