vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MN

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX, financed through XXXX XXXX ( Application XXXX XXXXXXXX ). 
After reviewing all the transaction documentsincluding the Retail Installment Contract, Buyers Order, Title Application, and Odometer Disclosuremultiple violations of federal and Minnesota law were found : XXXX. Truth in Lending Act ( 15 U.S.C. 1638 ; Reg. Z XXXX ) : The {$1000.00} down payment was not correctly credited in the XXXX XXXX. 
The finance charge ( {$5300.00} ) and XXXX  ( 23.20 % ) were inflated beyond allowable limits under XXXX XXXX. XXXX. 
Required TILA itemization and disclosure boxes were incomplete at signing. 
XXXX. Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) : Westlakes funding and interview process was coercive and required additional electronic confirmation before funding, amounting to pre-collection activity before validation. 
XXXX. FTC Act 5 / Minnesota Motor Vehicle Retail Installment Sales Act : Inconsistent odometer readings between the contract ( XXXX XXXX ) and XXXX record ( XXXXXXXX XXXX ). 
Misrepresentation of warranty status. Vehicle sold as-is but no acknowledgment provided as required under XXXX XXXX. XXXX. 
Sales tax ( 6.875 % ) and total amount due ( {$800.00} ) differ between the XXXX XXXX ( XXXX ) and the XXXX XXXX XXXX. 
Improper or delayed title transfer and lien recording under XXXX XXXX. XXXX ( late filing penalty not disclosed ). 
Mandatory arbitration clause and waiver of class rights pre-checked electronically without explanation or opportunity to opt out. 
Dealer listed false or incomplete addresses and omitted physical lienholder data, violating XXXX and UCC filing rules. 
Potential falsification of the Buyers Order and finance figures to match XXXX underwriting limits. 
XXXX. Magnuson-Moss Warranty Act ( 15 U.S.C. 2301 et seq. ) : The dealer failed to provide the required written warranty disclosure prior to sale and failed to post the Buyers Guide window form as mandated by 16 C.F.R. 455. 
XXXX. Minnesota XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) : Misrepresentation of price, financing terms, and service contract availability. 
Failure to remit or disclose proper sales tax and registration charges to the Minnesota Department of Public Safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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:
This entry is inaccurate as it does not belong to me and was reported in error.

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 2025-11-01 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-01 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: MO

Complaint narrative:
This record incorrectly displays late payments even though it was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: AR

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


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 XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: AR

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


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 XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-01 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: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-11-01 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: FL

Complaint narrative:
Inaccurate late payments are still showing on my credit reports, and I cant understand why this hasnt been fixed yet. They remained even after I refreshed my browser. I need the documents I provided to be checked immediately so this constant frustration can end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
This creditor has engaged in abusive, deceptive, and unfair practices prohibited under the Fair Debt Collection Practices Act ( FDCPA ). Per 15 U.S. Code 1666b, I did not receive a billing statement at least 21 days before the reported late payment, which qualifies as a billing error. Also, under 15 U.S. Code 1605 ( a ), if a finance charge is assessed, it represents the full cost of creditincluding all feesmeaning a late payment can not lawfully be assessed on an already-paid balance. Penalizing me in this way violates federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.

Complaint narrative:
On XX/XX/2025, at approximately XXXX XXXX I used Remitly to send {$1000.00} to my sister in XXXX through a transfer funded by my debit card. The Remitly app displayed that the transaction would be completed by XXXX XXXX the same day. However, the transfer has remained in pending status since then, even though the {$1000.00} was already withdrawn from my debit account. 

I contacted Remitlys customer service multiple times : The first representative, named XXXX, said he would email the partner bank and assured me the money would arrive within one day.

When the transaction was still pending the next morning, I contacted a second representative, named XXXX, who told me to wait 24 hours, again promising the issue would be resolved. 

After more than 24 hours with no change, I contacted a third representative, named XXXX. She said the partner bank advised waiting until Monday. When I asked for the name of the partner bank or a copy of the email thread, she refused. I also requested to cancel the transaction, but she declined, saying it was in its final stage. 

As of XX/XX/2025, the transfer remains pending with no clear explanation, timeline, or proof that the funds are being processed. I believe Remitly has failed to deliver the service as promised and has provided inconsistent and misleading information throughout this process. I am requesting that the {$1000.00} be either delivered to the recipient as originally promised or refunded immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: LA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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:
I just saw that the inaccurate accounts are still appearing on my credit report, and they were never removed. This is really upsetting, and I am begging that the documents I attached be reviewed carefully so I can finally stop stressing about 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 2025-11-01 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Hatfield, Inc.
State: CA

Complaint narrative:
I repaid my Grid cash advance in full, including all applicable fees, and immediately requested cancellation of my account. Despite multiple emails to Grid support, I have not received any confirmation or acknowledgment that my account will be closed.

Their customer service has been unresponsive, and my membership fee continues to be charged even though I have no outstanding balance or active use of the service. This is unacceptable and demonstrates a lack of transparency and accountability on Grids part.

I am requesting confirmation that my account is fully closed, all memberships and recurring charges are terminated, and no further withdrawals or authorizations will be made from my bank account. Failure to honor these requests is a violation of consumer rights under the Electronic Fund Transfer Act ( EFTA ) and CFPB Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am disputing a {$3000.00} charge to my PayPal Credit account ( managed by Synchrony Bank ) for the XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX. This program was sold with a written 90-day money-back guarantee promising a refund if I completed specific steps and did not reach the XXXX result. I fulfilled all the required conditions : I posted XXXX videos using the programs framework, completed all online modules, and attended the required XXXX  sessions. Despite this, the seller refused to honor the guarantee or issue a refund. 

I filed a dispute through Synchrony Bank/PayPal Credit . However, the dispute was mishandled and misclassified as a billing error rather than a case of misrepresentation and breach of contract. I repeatedly faxed and re-faxed more than 30 pages of evidence, including screenshots of my completed work, training records, and communication with the merchant. 

I also made numerous phone calls to both Synchrony Bank and PayPal, spending many hours on hold and re-explaining my case to different representatives each time. Each call ended with promises that my case would be reviewed properly, but the same incorrect billing error decision was issued. The repeated miscommunication and lack of accountability have caused me significant frustration, stress, and XXXX  over an extended period. 

Synchrony ultimately mailed a denial letter and a brief merchant statement, but did not provide any documentation showing how they investigated my evidence or verified the sellers claims. This fails to meet the required standards under Regulation Z 1026.13 ( f ) of the Truth in Lending Act. 

I am requesting that the CFPB review this matter for unfair and deceptive dispute-handling practices and direct Synchrony Bank to reopen the case, refund the {$3000.00} charge, and remove all associated interest and fees.

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 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am filing this complaint regarding a denied fraud dispute with Chime involving a large number of unauthorized transactions made to my account. 

Between XX/XX/year>, and XX/XX/year>, a total of 277 unauthorized transactions were made from my Chime account, ranging from a few cents to repeated charges close to {$98.00} each, totaling over {$940.00}. 

The charges appeared under various merchant names including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and others. 

I did not authorize or benefit from any of these charges. Many of them appeared in rapid clusters of small amounts ( just cents to {$1.00} ), followed by larger XXXXrelated charges a pattern consistent with card testing and escalation fraud. 

I promptly reported the issue to Chime once I noticed the unauthorized activity, but they denied my dispute without properly considering the evidence or the clear fraudulent pattern. 

I am requesting that Chime reopen and reinvestigate my dispute in compliance with the Electronic Fund Transfer Act ( Regulation E ) and provide documentation of how they reached their denial decision. 

Attached is my written dispute letter and transaction evidence showing the timeline and amounts of the unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Requested to open a new account for XXXX of our XXXX  and asked for it to be the same type of account which is the Chase XXXX XXXX Banking type. 
I even provided some information to the banker regarding the monthly proceeds expected etc. which is in line for this type of account. 
Instead, I came to find that my rep opened a XXXX XXXX Checking which does not suit the activity and was merely opened by the bank rep for the purpose of collecting higher fees, it is quite obvious. 
Now instead of correcting their own mistake, they are making it difficult to change the account type, want some disclosures etc.

Company response to consumer: Closed with explanation