vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by 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 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
b"Bought the car from XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  PA , XXXX XXXX XXXX XXXX XXXX XXXX XXXX.The Lien holder is Bridgecrest (you can text them at XXXX XXXX  Car has not run right since the beginning.  In fact, the day after I bought the check engine light came on.  I called XXXX XXXX right away and they gave me a few days to make up my mind to see if I wanted to keep the car.  Mechanic, of the warranty company they make you take said nothing wrong.  Check engine light still on and lots of things wrong with car, heat, air conditioning, blue tooth.  Tires, the engine lights are lit up like a XXXX  tree and the warranty XXXX XXXX that they make you take does not cover it.  This car is a lemon and I asked them If I could trade for another vehicle about three weeks ago and they suggested I surrender the car.  I said that would affect my credit.\n\nI am widowed and don't have a lot of money.  the car was about XXXX and is not worth a 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Im contacting you regarding inaccurate and unacceptable information listed on my credit report, which does not comply with the Fair Credit Reporting Act ( FCRA ) particularly the requirement that all reported information be complete, fair, and as accurate as possible.

After reviewing my credit file, I identified a specific item that is not meeting the FCRAs standard of maximum possible accuracy, and Im demanding that it be immediately deleted from my report.

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 2025-06-24 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: SC

Complaint narrative:
Please remove the following items from my credit report : - ADDRESSES : - XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ACCOUNTS : - TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LATE PAYMENTS : - XXXX XXXX XXXX XXXX XXXX XXXX I had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare.

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 2025-06-24 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: SC

Complaint narrative:
Please remove the following items from my credit report : - ADDRESSES : - XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ACCOUNTS : - TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LATE PAYMENTS : - XXXX XXXX XXXX XXXX XXXX XXXX I had not checked my credit report in a long time. I went to the bank and was informed of these items. I don't know who could have done this. This is identity theft and a nightmare.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Im contacting you regarding inaccurate and unacceptable information listed on my credit report, which does not comply with the Fair Credit Reporting Act ( FCRA ) particularly the requirement that all reported information be complete, fair, and as accurate as possible.

After reviewing my credit file, I identified a specific item that is not meeting the FCRAs standard of maximum possible accuracy, and Im demanding that it be immediately deleted from my report.

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 2025-06-24 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-24 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-24 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-06-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I took out a vehicle-secured loan from Wilshire Consumer Credit ( Westlake Services , LLC ) for {$10000.00}, using my XXXX XXXX XXXX  as collateral. The APR on the loan is 41.35 %, and the total repayment obligation is {$20000.00} over XXXX  months, with monthly payments of {$420.00}. 

I have already paid over {$7800.00} toward this loan, yet my balance is still over {$8900.00}. The majority of each payment goes toward interest not principal and progress on the loan has been minimal. The interest structure appears intentionally predatory. 

I was not clearly informed that I'd be paying more than double what I borrowed. The terms were not transparent. I have also incurred multiple fees including a {$460.00} repossession expense even though my vehicle was not repossessed.

I believe this loan violates Californias consumer protection laws, particularly the states APR cap of 36 % for loans under {$10000.00}, which took effect before this contract was signed. I am requesting CFPB review for predatory lending and APR abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Cfpb complaint XXXX has be im XXXX unjustly marked as a duplicate complaint when it raises a total separate issue from any other complaint raised with this company. It is evidently by the issue that is complaining about that this is a new issue and XXXX XXXX is using this duplicate excuse as a way to circumvent their responsibilities of correcting their inaccurate reporting please reopen this complaint and look into 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 non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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.

15 U.S.C 1681 section 602 A. 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 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 seven years.

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.

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 2025-06-24 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: IL

Complaint narrative:
On XX/XX/year>, an unknown collections account appeared on my Equifax credit report. I have no knowledge of this account, I never authorized it, and I am not responsible for this debt. This account is not mine. 

I disputed this item with Equifax directly on XX/XX/year>, but the resolution process is expected to take up to 30 days. This timeline is creating a hardship, as I am in the process of securing a lease for a new residence and the incorrect entry is delaying my application. 

This account does not appear on either my XXXX  or Experian reports, which further suggests it was added to Equifaxs file in error.

I am requesting that this entry be removed or at minimum marked as disputed while under investigation, and that Equifax expedite its review.

I am attaching a copy of the account in question and the dispute confirmation I received from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: SC

Complaint narrative:
We were approved for payment forbearance XXXX - XX/XX/year> and accepted mortgage deferral on XX/XX/year> in a phone call ( the only option ), following the forbearance. The deferral was accepted on our behalf before the final decision deadline of XX/XX/XXXX. Despite this, the mortgage servicer failed to update their system to reflect the deferral and instead reported us as 110 days late to the credit bureaus, which caused a XXXX drop in my credit score. 

On a recorded call dated XX/XX/year>, a representative from the company acknowledged and admitted fault for not updating our account after the deferral was accepted. This error was entirely on the companys side. 

In addition, we made a mortgage payment for XXXX {$2800.00}, along with XXXX separate {$1000.00} payments during the forbearance. All of these payments are now sitting in suspense and have not been applied to our loan. When we call, were told the company is waiting on XXXX XXXX but its been nearly a month with no resolution or update. They continue to tell us there is nothing they can do about our credit report. It is a snapshot in time and can not be fixed! 

We are current on our mortgage and followed all required steps, yet we are being severely penalized due to the servicers internal failure. This is unfair and damaging to our credit profile and financial stability. 

The entire process we have followed what we were told to do including making the additional payments as we were able during a job loss. Every time we called we were told something different. We were assured multiple times along the way and before entering the forbearance that it would be noted on our report but have no damage to our credit scores. It is now XX/XX/XXXX and we have no solution or answers and I fear come XXXX we will be reported as late again.

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 2025-06-24 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: SC

Complaint narrative:
We were approved for payment forbearance XXXX - XX/XX/year> and accepted mortgage deferral on XX/XX/year> in a phone call ( the only option ), following the forbearance. The deferral was accepted on our behalf before the final decision deadline of XX/XX/XXXX. Despite this, the mortgage servicer failed to update their system to reflect the deferral and instead reported us as 110 days late to the credit bureaus, which caused a XXXX drop in my credit score. 

On a recorded call dated XX/XX/year>, a representative from the company acknowledged and admitted fault for not updating our account after the deferral was accepted. This error was entirely on the companys side. 

In addition, we made a mortgage payment for XXXX {$2800.00}, along with XXXX separate {$1000.00} payments during the forbearance. All of these payments are now sitting in suspense and have not been applied to our loan. When we call, were told the company is waiting on XXXX XXXX, but its been nearly a month with no resolution or update. They continue to tell us there is nothing they can do about our credit report. It is a snapshot in time and can not be fixed! 

We are current on our mortgage and followed all required steps, yet we are being severely penalized due to the servicers internal failure. This is unfair and damaging to our credit profile and financial stability. 

The entire process we have followed what we were told to do including making the additional payments as we were able during a job loss. Every time we called we were told something different. We were assured multiple times along the way and before entering the forbearance that it would be noted on our report but have no damage to our credit scores. It is now XX/XX/XXXX and we have no solution or answers and I fear come XXXX we will be reported as late again.

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 2025-06-24 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: SC

Complaint narrative:
We were approved for payment forbearance XXXX - XX/XX/year> and accepted mortgage deferral on XX/XX/year> in a phone call ( the only option ), following the forbearance. The deferral was accepted on our behalf before the final decision deadline of XX/XX/XXXX. Despite this, the mortgage servicer failed to update their system to reflect the deferral and instead reported us as 110 days late to the credit bureaus, which caused a XXXX drop in my credit score. 

On a recorded call dated XX/XX/year>, a representative from the company acknowledged and admitted fault for not updating our account after the deferral was accepted. This error was entirely on the companys side. 

In addition, we made a mortgage payment for XXXX {$2800.00}, along with XXXX separate {$1000.00} payments during the forbearance. All of these payments are now sitting in suspense and have not been applied to our loan. When we call, were told the company is waiting on XXXX XXXX but its been nearly a month with no resolution or update. They continue to tell us there is nothing they can do about our credit report. It is a snapshot in time and can not be fixed! 

We are current on our mortgage and followed all required steps, yet we are being severely penalized due to the servicers internal failure. This is unfair and damaging to our credit profile and financial stability. 

The entire process we have followed what we were told to do including making the additional payments as we were able during a job loss. Every time we called we were told something different. We were assured multiple times along the way and before entering the forbearance that it would be noted on our report but have no damage to our credit scores. It is now XX/XX/XXXX and we have no solution or answers and I fear come XXXX we will be reported as late again.

Company response to consumer: Closed with non-monetary relief