vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: CT

Complaint narrative:
WESTLAKE FIN is falsely reporting on my credit. I have never had any accounts with them. Per my research WESTLAKE FIN is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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 because transunion continues to report inaccurate and invalid information on my credit report relating to a XXXX XXXX account ( partial account number XXXXXXXX XXXX XXXX XXXX XXXX ) that was legally dismissed in court and should no longer be listed as a collection or charge-off. 

The account is being reported by XXXX XXXX XXXX on behalf of XXXX XXXX  with a balance of {$5400.00}, opened XX/XX/XXXX, and status Collection/Charge-Off. This is false and misleading. 

Court Case Information : Case Name : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Docket Number : XXXX Court : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Department, XXXX XXXX XXXX ( Small Claims Session ) Judgment Date : XX/XX/XXXX Result : Case Dismissed both parties failed to appear ; the defendant ( myself ) does not have to pay the plaintiff any part of the claim or costs. 

This dismissal means no valid debt or obligation exists, and therefore, transuion is reporting false and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Violations Cited : FCRA 607 ( b ) Failure to ensure maximum possible accuracy FCRA 611 ( a ) ( 5 ) Failure to delete unverifiable information after reinvestigation FDCPA 807 ( 8 ) False representation of the legal status of a debt Despite this court ruling, transunion continues to report the account as Collection/Charge-Off, damaging my credit standing and misrepresenting my financial history.

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 2025-10-14 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: IN

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-14 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: VA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am writing as a consumer and credit specialist regarding the account reported under the number ending in XXXX opened on XX/XX/XXXX, with an alleged charged-off balance of {$27000.00}, which exceeds the reported highest balance of {$21000.00} across all three major credit reporting agencies. 
This discrepancy raises serious concerns and demands immediate clarification and correction. 
I am formally requesting the following under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and applicable state and federal consumer protection laws : XXXX. A full and itemized c explaining how the amount of {$27000.00} was calculated following charge-off, repossession, or vehicle disposition. 
XXXX. Proof of sale or auction details for the vehicle securing the loan, including the sale price, date, buyer, and fees deducted. 
XXXX. Breakdown of interest, fees, penalties, or legal costs added after the last payment activity on XX/XX/XXXX ( as reported to XXXX  ). 
XXXX. A complete payment history for the life of the loan. 
XXXX. A signed copy of the original loan agreement and all amendments. 
XXXX. Proof of ownership transfer ( title reassignment ) if the vehicle was repossessed or voluntarily surrendered. 
Why this is being disputed : The current balance ( {$27000.00} ) exceeds the high balance ( {$21000.00} ), which is inconsistent with standard auto loan amortization and post-repossession procedures. 
You are legally obligated to report accurate and verifiable information, and this account in its current form appears to be inflated or misrepresented.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NY

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 XXXX XXXX XXXX. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX  : # XXXXhas violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I am submitting this complaint regarding PNC Banks repeated unfair and deceptive overdraft fee practices. 

PNC has been delaying the posting of my debit card and ACH transactions for several days, then releasing them in batches that cause my account to appear overdrawn. This delay results in overdraft fees that should not have occurred had the transactions been posted in real time or in the order they were authorized. 

For example, on multiple occasions ( including XX/XX/XXXX, and XX/XX/XXXX ), PNC charged XXXX {$36.00} overdraft item fees on the same day. PNCs own disclosures and account agreements state that no more than XXXX overdraft fee will be charged per day, but that policy was not honored in my case. 

These overdraft fees are being triggered by transactions that were pending for days before suddenly posting together such as debit purchases through XXXX, XXXX, and bill payments which makes it impossible to manage my account balance accurately. 

This pattern has occurred multiple times over recent months, even when deposits or direct deposits were available before the delayed transactions posted. The attached account statements ( XXXX XXXX and XX/XX/XXXX ) show these examples, including double overdraft charges on the same day and unexplained transaction delays. 

I have contacted PNC Bank about this issue, but they have not resolved it or refunded the extra fees. Their explanations have been inconsistent, and I believe their practices violate both their own terms and fair banking standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/year> 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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Person called wanting to confirm name and address but kept denying company information or company name when asked to furnish it verbally. They hung up automatically

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 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: IL

Complaint narrative:
I booked tickets on XX/XX/XXXX in XXXX XXXX using US Bank ( XXXX XXXX ). Departure Booking ID : XXXX Return Booking ID : XXXX. 

On XX/XX/XXXX, XXXX XXXX refunded my tickets in full. Even after two weeks US Bank ( XXXX XXXX  ) is not refunding the full leg, only refunded one leg of the ticket. Called Customer care three times with promise to get call back and never returned. Everytime they are behaving as if this is the first time I am calling. Refusing to let me talk to supervisor. Advising me to call back other time as supervisor and dont know when he will be avilable to talk. 

Please, I need the refund in full. 


XXXX XXXX refund confirmation message Confirmation code : XXXX Ticket number : XXXX Arunmr XXXX Details Refund amount : XXXX USD Refund to : XXXX ending XXXX Date refund issued : XX/XX/XXXX Confirmation code : XXXX Ticket number : XXXX XXXX XXXX Details Refund amount : XXXX USD Refund to : XXXX ending XXXX Date refund issued : XX/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 2025-10-14 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: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " Federal - XXXXVERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court ( XXXXXXXX XXXX XXXX XXXX  XXXX of Michigan ) that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that the credit bureaus lack a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
XXXX I was railroaded into attending XXXX XXXXXXXX XXXX  I was told even with my XXXX XXXX I would be guaranteed a job in the XXXX XXXX field for which I went to school for. Between the program dropping classes never receiving any financial Aid and being told the school was accredited I have accrued a substantial amount of debt all to a school who is defunct and was predatory to say the least also. 
Due to XXXX XXXX and The Department Of Government Efficiency My personal and financial information has been compromised without my authorization the family education rights and privacy act ( FERPA ) protects the confidentiality of student records this breach is a clear violation of ( FERPA ) and your responsibility to safeguard my information given the severity of this breach and resulting compromise to my personal and financial information I request that you immediately cancel and discharge my student loan debt you have five business days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MS

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Navy Federal reported a 30-day delinquency on my credit card account after a {$100.00} residual balance appeared weeks after a balance transfer payoff. No email, phone, or text notification was provided despite current contact info. The balance was paid immediately once discovered. I requested a goodwill review and limit restoration, but Navy Federal repeatedly cited " policy '' and refused to consider a one-time correction. 

I am an XXXX XXXX XXXXXXXX XXXX XXXX, and this single late mark significantly impacts my credit and clearance status. Im seeking review by their executive or compliance team to correct or remove the delinquency as a goodwill adjustment due to lack of notification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
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 2025-10-14 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: NJ

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 non-monetary relief
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
These accounts and inquiries are unauthorized and are not mine. I would like these accounts and inquiries removed from my credit report 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