vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights 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 2025-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: SC

Complaint narrative:
I purchased a vehicle in early XXXX of XXXX, in NC, XXXX away from where I live in SC. I put a {$1500.00} cash down payment to secure the loan. 11 days later, I find out that it had a hole in the block and was smoking like a freight train going down the road. I contacted the dealer and informed them I would be returning the vehicle for repair or indefinite. I spoke with Westlake Financial, the finance company and sent them MULTIPLE email correspondence as to what happened, why I returned the vehicle and what needs to be done. I returned it within the 14 day time period that is a National and legal law. They informed me that I need to speak with the dealership so after trying to get in touch with the dealership where I purchased the vehicle for XXXX months, I find out that they are in some sort of trouble and had to move locations and will not be able to help to repair the vehicle. Ive spoke with Westlake Financial more than a dozen times about this matter and thru phone calls and emails, some of which they stated didnt even go to the correct department, have found NOTHING to be done about this issue. They contact me multiple times a day about the same issue instead of contacting the dealer I have NOT had the vehicle in my possession for at least 2 months. The agents that contact me over the phone are intrusive, rude, unprofessional and need to be trained on how to speak with people, as people ; not criminals or how they speak to their enemies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: IL

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 2025-08-05 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: MI

Complaint narrative:
Despite my clear request and the submission of an identity theft report, Experian & TransUnion responded with a generic statement that this account has been verified as accurate. This response is unacceptable and demonstrates a blatant disregard for credit reporting laws and my rights as a consumer. These bureaus have failed to provide the requested validation or documentation to prove the debt is mine, especially in light of my identity theft claim. This lack of investigation and validation violates the Fair Credit Reporting Act ( FCRA ) and potentially other applicable laws.

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 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
Company Name : Chime Dates : XX/XX/year> - XX/XX/year>, and XX/XX/year> I noticed money was transferred out of my accounts, {$5.00} in checking, {$350.00} in savings. I had called the company multiple times, and I was talked through a process that I later realized was a scam. The money was very necessary for my finances. I filed a complaint and as a result, my account was closed after the investigation. I've continued to request to speak to a representative, and I am displeased with the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: LA

Complaint narrative:
Victim of Data Security Breach : Equifax , Inc . Customer No. XXXX ( U.S. District Court for the Northern District of Georgia XXXX Violations are : Reinsertion Deleted Item 15 USC 1681i5b Late Payments : 15 USC 1681 a2Xi Permissible Purpose 15 USC 1681b I, XXXX XXXX ( Declarant XXXX XXXX declare under penalty of perjury ( 28 U.S.C. 1746 ) that the following is true and correct to the best of my knowledge, information, and belief.

II. Identity Theft and Fraudulent Reporting a. All accounts listed below were opened without my authorization, consent, or signature, either electronic or wet-ink. 
b. The Equifax data breach exposed my Social Security number, enabling repeated fraudulent activity and causing significant harm to my credit file. 
III. Identified Fraudulent Accounts XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXX  XXXX Docket No : XXXX Date Allegedly Filed : XX/XX/XXXX XXXX Credit First - Account # XXXX -Balance : {$6900.00} - Open Date : XX/XX/XXXX XXXX. XXXX XXXX - Account # XXXX -Balance : {$6900.00} - Open Date : XX/XX/XXXX XXXX. XXXX XXXX - Account # XXXX -Balance : {$10000.00} - Open Date : XXXX XXXX XXXX. XXXX  XXXX XXXX - Account # XXXX -Balance : {$13000.00} - Open Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Account # XXXX -Balance : {$2800.00} - Open Date : XX/XX/XXXX XXXX. XXXX XXXX - Account # XXXX -Balance : {$21000.00} - Open Date : XXXX XXXX XXXX. XXXX XXXX XXXX - Account # XXXX -Balance : {$2800.00} - Open Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 explanation
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
I am writing under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) to request the removal of any dispute statements, notes, comments, or remarks associated with the following account ( s ) on my credit report : Account Name : XXXX XXXX Account Number : XXXX Dispute Note/Comment : Consumer disputes this account meets FCRA requirement

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: CA

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 2025-08-05 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: NJ

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 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 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 2025-08-05 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: TX

Complaint narrative:
I was dismayed to discover a late payment listed despite my strong payment background. Kindly review and amend.

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 2025-08-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I am a XXXX XXXX XXXXXXXX Veteran living off of XXXX and XXXX XXXXXXXX. I am receiving daily harassing emails and phone calls from a company by the name of Halstead financial services stating they are sending me " pre-legal '' notification that they are going to sue me. XXXXXXXX XXXX the original creditor refused to provide an original contract that states what can be done in instances of XXXX XXXXXXXX and gave me no help or options when seeking some sort or remedy with the company. Instead, they have switched by debt to this collection company that believes that bullying me by calling and emailing both myself and my Wife will gain a satisfactory outcome. I am a XXXX Veteran that spends more time in the XXXX then out and my Wife is my caregiver and because of this- she is unable to work. It is a shame that both XXXX XXXX and Halstead choose to ignore any requests for help and instead demand payment or risk being sued. Guess what? My income is exempt funds, my home is my homestead. There is nothing to take by suing me. This company has caused significant stress on top of already pressing health concerns. If you are a Veteran- BEWARE...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S.

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 2025-08-05 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: MD

Complaint narrative:
XX/XX/year> there were hard inquiries made on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: Bridge IT, Inc.
State: CA

Complaint narrative:
I am formally filing a complaint with BRIGITXXXX XXXX regarding inaccurate data reported on my credit file. This information fails to meet compliance standards, has not been properly validated, and lacks sufficient documentation to verify its accuracy. 

I have identified potentially erroneous entries on my credit report. As a consumer, I am entitled to request the prompt removal of this account, in accordance with my rights under both federal and state consumer protection laws. This complaint is being made to ensure that the information you are reporting complies with FACTA, specifically Title 1, Section 151, which mandates a clear description of the verification process used.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 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 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 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

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 2025-08-05 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: AL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2025-08-05 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: OR

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief