vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the Sumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN port anything on my consumer report which violates my rights as a federal prot umer. NO CONSENT IS IDENTITY THEFT. As a consumer l am demanding the deletions listed 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
Consumer complaint received 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I was originally quoted a payoff amount of {$1300.00}. However, I am now being told that the amount has increased XXXX because additional charges were added for the days my vehicle remained in the repossession lot. This occurred due to Westlakes delay in sending the release, which was entirely outside of my control. As a result, I am being unfairly charged for costs that I did not cause. 

My loan was originally with XXXX XXXX, and I believed that this loan had been paid off in full. I was therefore both surprised and confused when my vehicle was repossessed, as I had no knowledge of an outstanding balance being transferred or owed to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I am not accountable for these fraudulent accounts. Please ensure they are removed from my credit file within 15 days, per USC 1681g. Ive provided the necessary proof.

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 2025-08-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$290.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I discovered multiple fraudulent accounts appearing on my Equifax credit report. These accounts do not belong to me, and I have never opened or authorized them. I submitted a formal dispute to Equifax in accordance with the Fair Credit Reporting Act ( FCRA ). 
Equifax failed to conduct a proper investigation of my dispute. Instead of performing a reasonable reinvestigation and removing the fraudulent accounts, they verified and left the accounts on my report. This has caused serious harm to my creditworthiness, denied me access to credit opportunities, and continues to damage my financial reputation. 
Equifax is in violation of its obligations under the FCRA, including but not limited to 15 U.S.C. 1681i ( failure to reinvestigate disputed information ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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 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 XXXX business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-27 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:
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 XXXX business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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,

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 2025-08-27 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: PA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$630.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
I financed a XXXX XXXX XXXX ( XXXX : XXXX ) through Bridgecrest. I voluntarily agreed to surrender my vehicle XXXX XXXX, and a tow was originally scheduled through Bridgecrest within the week. They told me it was canceled because they could not contact me. 

On XX/XX/XXXX at XXXX XXXX a different tow truck from XXXX XXXX came and repossessed my vehicle from my driveway. I have : XXXX footage of the tow truck removing my vehicle. 
The tow trucks license plate ( XXXX ). 
A police case report ( # XXXX ) with XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX Police XXXX XXXX Precinct ). The XXXX confirmed the vehicle was repossessed by XXXX XXXX. 
Confirmation directly from XXXX XXXX that the repossession was ordered by Bridgecrest ( though they refused to release written paperwork because I am no longer the lienholder ). 

Despite this, Bridgecrest continues to deny having possession of the vehicle, claims the repossession does not appear in their system, and is still billing me as if the car is in my possession. 

This is a serious issue because : XXXX. Bridgecrest is demanding payments for a car that has already been repossessed. 
XXXX. They have failed to provide legally required documentation, such as the repossession condition report, Notice of Sale, and deficiency balance. 
XXXX. Their denial and continued billing are causing financial harm and potential credit reporting damage. 

I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and state consumer protection laws. 

I have evidence ( video stills, police case number, officer documentation ) that I will attach to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to file a dispute regarding my credit card account with XXXX XXXX. I have reviewed my credit report across all three major credit bureaus ( Equifax, XXXX, and XXXX  ) and have found discrepancies in the way the information is being reported for the same account. 

Discrepancies Noted : Equifax : Lists the balance as {$870.00} reports the status as charge off, and shows the payment history as 100 % on time, but also several late. 

XXXX  : Lists the balance as {$870.00}, reports the status as charge off, and shows the payment history as 0 % paid and all charge offs as well as several late payments. 

XXXX : Lists the balance as {$870.00}, reports the status as charge off, and shows the payment history as no history. 

These discrepancies are causing confusion regarding my account status, and I believe they are an error. The information being reported is inconsistent across the credit bureaus, and I am concerned that this is negatively affecting my credit score and potentially violating my rights under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB assist in ensuring the credit bureaus correct this inconsistency and that accurate and uniform information is reported across all three credit agencies. Specifically, I ask that the credit bureaus update the information as follows : Correct any incorrect balance, status, or payment history. 

Ensure that the information is the same across Equifax, XXXX, and XXXX. 

Under the FCRA, I am entitled to have accurate information reported, and I believe these discrepancies should be resolved immediately to prevent further harm to my credit. 

Please let me know if any further documentation is needed. I appreciate your prompt attention to this matter and look forward to the resolution of these discrepancies. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
I am writing to file a dispute regarding my credit card account with XXXX XXXX. I have reviewed my credit report across all three major credit bureaus ( XXXX, Experian, and XXXX  ) and have found discrepancies in the way the information is being reported for the same account. 

Discrepancies Noted : XXXX  : Lists the balance as {$870.00} reports the status as charge off, and shows the payment history as 100 % on time, but also several late. 

Experian : Lists the balance as {$870.00}, reports the status as charge off, and shows the payment history as 0 % paid and all charge offs as well as several late payments. 

XXXX  : Lists the balance as {$870.00}, reports the status as charge off, and shows the payment history as no history. 

These discrepancies are causing confusion regarding my account status, and I believe they are an error. The information being reported is inconsistent across the credit bureaus, and I am concerned that this is negatively affecting my credit score and potentially violating my rights under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB assist in ensuring the credit bureaus correct this inconsistency and that accurate and uniform information is reported across all three credit agencies. Specifically, I ask that the credit bureaus update the information as follows : Correct any incorrect balance, status, or payment history. 

Ensure that the information is the same across XXXX, Experian, and XXXX. 

Under the FCRA, I am entitled to have accurate information reported, and I believe these discrepancies should be resolved immediately to prevent further harm to my credit. 

Please let me know if any further documentation is needed. I appreciate your prompt attention to this matter and look forward to the resolution of these discrepancies. 

Thank you for your time and assistance.

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 2025-08-27 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: PA

Complaint narrative:
I am writing to file a dispute regarding my credit card account with XXXX XXXX. I have reviewed my credit report across all three major credit bureaus ( XXXX, XXXX, and TransUnion ) and have found discrepancies in the way the information is being reported for the same account. 

Discrepancies Noted : XXXX  : Lists the balance as {$870.00} reports the status as charge off, and shows the payment history as 100 % on time, but also several late. 

XXXX  : Lists the balance as {$870.00}, reports the status as charge off, and shows the payment history as 0 % paid and all charge offs as well as several late payments. 

TransUnion  : Lists the balance as {$870.00}, reports the status as charge off, and shows the payment history as no history. 

These discrepancies are causing confusion regarding my account status, and I believe they are an error. The information being reported is inconsistent across the credit bureaus, and I am concerned that this is negatively affecting my credit score and potentially violating my rights under the Fair Credit Reporting Act ( FCRA ). 

I am requesting that the CFPB assist in ensuring the credit bureaus correct this inconsistency and that accurate and uniform information is reported across all three credit agencies. Specifically, I ask that the credit bureaus update the information as follows : Correct any incorrect balance, status, or payment history. 

Ensure that the information is the same across XXXX, XXXX, and TransUnion. 

Under the FCRA, I am entitled to have accurate information reported, and I believe these discrepancies should be resolved immediately to prevent further harm to my credit. 

Please let me know if any further documentation is needed. I appreciate your prompt attention to this matter and look forward to the resolution of these discrepancies. 

Thank you for your time and assistance.

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