vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
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:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. 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 reported to be removed/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. 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 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Receivables Management Corporation
State: SC

Complaint narrative:
I received notification from my credit reporting agencies that I had a collection account on my credit. I went on to see what it was and it was a collect company collecting on behalf of XXXX XXXX XXXX. I tried several times to contact XXXX XXXX XXXX to find out what this was about. They never answered the phone I had to leave several messages which all were un answered. So I contacted the collection agency and they answered. I asked what this was about because I never received a bill from XXXX XXXX I never received an XXXX  from my insurance company saying that this amount was not covered, and I never received any contact by phone or mail from the collection agency regarding this debt. I only was made aware of it by the credit reporting agency. I paid the collection agency in full because XXXX XXXX would not answer or return my call so that I could settle this with them. I feel that this is unacceptable behavior by XXXX XXXX XXXX because they never made me aware of this debt and never gave me the opportunity to resolve it. My credit score was damaged as a result and I take pride in my credit, I never miss payments and always keep current. I demand that this be removed from my credit report and my credit score be restored. This is unethical behavior on the part of XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Vehicle loan or lease — Lease
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: AZ

Complaint narrative:
I am writing to formally file a complaint against Westlake Financial Services regarding their refusal to release the lien and title to my vehicle despite my loan being paid in full. I made my final payment on XX/XX/year>, at which time I was advised by XXXX XXXX that my vehicle title would be released on XX/XX/year>. However, when I called back on XX/XX/XXXX to confirm, I was informed that I would not receive my title until XX/XX/year>. This is months after my final payment was made, and completely unacceptable. Throughout this process, XXXX XXXX has been inconsistent, misleading, and evasive. Every phone call I have made has resulted in a different excuse as to why my title has not been released. On several occasions, they have suggested I owe additional money without providing clear or valid justification. This pattern of behavior raises serious concerns of fraudulent or deceptive practices against consumers. As a consumer who has fulfilled all financial obligations, I am entitled to the prompt release of my vehicle title. Their repeated delays, misinformation, and attempts to claim I owe more money after final payment strongly suggest predatory practices that may impact many other customers as well. I respectfully request that your office investigate Westlake Financial Services for potential violations of consumer protection laws and take any appropriate enforcement action. Enclosed, I can provide copies of my payment confirmation, loan documents, and notes from my communications with XXXX XXXX upon request. Thank you for your attention to this matter. I trust that your office will take this issue seriously to protect myself and other consumers from ongoing misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: IL

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 2025-08-22 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: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-08-22 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: CA

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony ( XXXX XXXX ) cut my limit from {$18000.00} to {$100.00} despite a multi-year history of paying the statement balance in full every month ( XXXX  months of statements attached ). Their adverse action letter cites reasons that dont fit my history ( variance in months over limit and negative difference vs. minimum factors ). I pulled XXXX  data the same day : 100 % payment history, XXXX derogatories. The only anomaly is a single XXXX tradeline that reported at XXXX % due to statement timing and is already below limit ( documentation attached ). I requested Executive Review and restoration; please ask Synchrony to restore the prior limit and correct/clarify the incorrect reasons.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I reported to Citibank fraudulent charges on my credit card with other banking card was affected by the same merchant, XXXX XXXX. It started with XXXX XXXX online taking my Citibank credit card first after XXXX attempts they told me that it did not go through and asked if I had another credit card to be able to use so I use the my XXXX credit card after XXXX at merchant attempted to charge which was a combination of over {$8000.00}. I contacted XXXX XXXX only to be told I had to have an order number which I didnt have because I was unaware at the time all my cards were charged. I was then told by XXXX XXXX that agent that took my online order didnt go through the secure process. At that point, XXXX XXXX advised to Dispute with my bank, and that was the only thing that could be done because the transactions did not show in their system. I dispute with Citibank only to be told the merchant had valid proof but, they failed to send me that information. I asked how can it be valid XXXX didnt get the benefit and why I had to call you about getting what the merchant supposedly sent you. I terms Citibank wants me to pay for someone purchases if over {$1700.00}. Its not fair or right!

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 2025-08-22 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: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to firmly dispute an account that has been reported under my credit file. I have never opened, authorized, or maintained this account. Its inclusion is inaccurate and constitutes a serious error that is harming my financial integrity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
XX/XX/year> : {$15000.00}, financed with Credit Acceptance ( Michigan ), and I hired XXXX XXXX XXXX. 

I purchased a XXXX XXXX from XXXX XXXX XXXX XXXX of XXXX. At the time I had received my back pay from Social Security XXXX and wanted to trade the vehicle I had for us ( my daughter ) to have reliable transportation. Unfortunately, the vehicle they sold me was a lemon. This purchase was illegal because the sales guy, XXXX XXXX, stated the vehicle was registered out of state. By this time, I was receiving a third temporary tag. The dealership has continuously been sending me letters and/or cards, bothering me about the vehicle my family gave me. I have reached out to them, telling them I'm not interested ; however, it has become deliberate, and they are basically harassing me. I have also filed a complaint with the XXXX XXXX XXXX. This dealership has a negative reputation for scamming innocent consumers. I also took them to small claims court with the XXXX XXXX XXXX in XXXX, Oklahoma. Thank you for your time in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MO

Complaint narrative:
In late XX/XX/XXXX, I traded my XXXX Nissan XXXX  ( which I had purchased new and financed through XXXX XXXX XXXX XXXX ) at XXXX XXXX XXXX dealership in XXXX, Missouri. XXXX XXXX XXXX XXXX withdrew my XXXX payment on the XXXX XXXX, even though I no longer owned it and the dealership had submitted the payoff for the Rogue. 

I have called many times ( most recently XX/XX/XXXX and XX/XX/XXXX ) and am told that they agree they owe me a refund for the XXXX payment ( approximately {$580.00} ). However, they say there is an IT issue that is requiring manual review and payment processing. They keep telling me it will be 2-3 more weeks every time I call, but I verified again today that they still have not sent the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX & I developed a used car loan in which all information was accurate until these last two years there are multiple late payment placed on my XXXX reflecting as bad pay history Experian shows 30, XXXX  showing 60 days which with all fairness just want the information to reflect how payments were and are being paid.

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 2025-08-22 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: TN

Complaint narrative:
I Have negative accounts that does not belong to me see attachments

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 2025-08-22 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: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I was ripped off by XXXX in XXXX XXXX loan partial account number XXXX I gave them {$5500.00} in cash in another XXXX car obviously somebody put the dealer up to robbing me at the dealer while I was trying to get the other XXXX from XXXX XXXX XXXX on my warranty partial number XXXX they lied to me that they was going to pay the car off in the new XXXX XXXXXXXX had the gap I don't know was that some type of XXXX harassment word but I no the first thing he told me the new car had gap in everything I had nothing to worry about I'm assuming they was just lying they wasn't ever gon na pay my other car off in need a excuse after the fact they realize I was cover by life lock identity theft- so when the car accident happen in flag staff, AZ the told me there was no gap in the {$5500.00} I gave them didn't count to the vehicle now I'm opening letter from credit place saying they didn't even pay a dime back to the old XXXX XXXX XXXX even the people at my US bank was trying warn me I'm thinking the guy was a real sale representative he wasn't I'm assuming he pocket my money gave some one else a new car then gave me a car was supposed been returned or I could be wrong in he just was trying get to my money in the bank he did look sneaky tho cause the XXXX XXXX people could have been involved also in made it look like they cared that day.

Company response to consumer: Closed with explanation