vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: NJ

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am submitting this formal complaint against Experian for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXX and XXXXXXXX XXXX. Despite having received all required documents, Experian has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXXXXXX 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 2025-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I am attempting to resolve my auto loan with Westlake Financial Services ( Acct # XXXX ). I have been making payments and requesting written confirmation of ( 1 ) my current status/balance, ( 2 ) payments received ( dates/amounts ), and ( 3 ) any settlement/arrangement terms discussed. Westlake representatives have repeatedly told me they do not issue written settlement confirmations prior to payment, and they directed me to pay via XXXX per their in-app Payoff Policy. I need written verification for my records and for an employment suitability review, but I have been unable to obtain a simple status/payment letter or a clear written policy statement. 





Timeline ( key dates & amounts ) XX/XX/XXXX XXXX {$1100.00} ( prior payment ; posted ). 
XX/XX/XXXX XXXX {$250.00} ( posted by agent ). 
XX/XX/XXXX XXXX {$500.00} via XXXX ( Ref XXXX ) ; posted. 
XX/XX/XXXX XXXX {$400.00} ( posted ; shown in app history ). 
XX/XX/XXXX XXXX {$350.00} via XXXX ( Ref XXXX ) ; posted. 
Multiple calls to ( XXXX ) XXXX and messages through the Westlake app/message center requesting a written status/payment verification or a settlement letter. I was told Westlake does not provide letters before receipt of payoff funds. 




Westlakes app XXXX XXXX states payoff quotes are only good through a date and that accounts are released after full remittance and final audit ; it also lists XXXX ( XXXX XXXX, XXXX XXXX ) as an approved channel. I have followed these instructions and retained receipts and screenshots showing payments posted. 





What I believe is wrong Westlake is refusing to provide basic written documentation of my current account status and payments received, despite my good-faith payments and requests.

It is unclear whether Westlake will provide any written settlement/arrangement terms in advance, or a policy statement confirming they do not give settlement agreements leaving me without standard written confirmation for my records and for verification needs. 
I want to ensure accurate, timely credit reporting reflecting payments and any ultimate settlement/payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX and their attempt to collect a debt of {$1200.00} that I do not owe. 

I previously held an auto insurance policy with XXXX XXXX. However, the vehicle insured under this policy was repossessed, and as a result, I contacted XXXX XXXX to cancel the policy. Despite this, XXXX XXXX has continued to attempt to collect a balance of {$1200.00}, which I dispute. 

I believe I should not be responsible for this debt because : 1. The policy was canceled when the vehicle was no longer in my possession.

2. I should not be charged premiums for a vehicle I did not own or have access to after repossession. 
XXXX. XXXX XXXX  billing and collection practices in this matter are unfair and inaccurate. 

I am requesting the following resolution : That XXXX XXXX provide written proof and documentation of the debt they claim I owe. 
That any collection activity related to this disputed balance be stopped. 
That this debt not be reported to the credit bureaus, or if it already has been, that it be removed immediately. 

I am requesting the Consumer Financial Protection Bureau review this matter and assist in ensuring that XXXX XXXX corrects this error. 

Thank you for your time and attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My Claim Reference : XXXX Amount : {$3400.00} Chase closed my claim without conducting a thorough investigation. My account was charged multiple times and I have already submitted a police report confirming that my card was lost and used fraudulently. 

Chase stated that the charges were made using my PIN ; however, many of the disputed transactions were processed online, where no PIN is required. This inconsistency shows that unauthorized activity occurred, and I respectfully request that my claim be reopened and properly reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
GREETINGS I APPRECIATE YOUR ATTENTION TO THIS MATTER MY NAME IS XXXX XXXX. I HAVE SOME UNFORTUNATE NEWS I HAVE BEEN NOTIFIED I AM A VICTIM OF THE XXXX  DATA BREACH WHICH HAS RESULTED IN THE THEFT OF MY IDENTITY I AM SEEKING GUIDANCE PLEASE. I SEEK THE ENFORCEMENT OF MY CONSUMER RIGHTS AS SPECIFIED IN FCRA SECTION 605B ( 15 U.S.C. 1681-c2 ). AS AN INDIVIDUAL IMPACTED BY IDENTITY THEFT, I AM ENTITLED TO REQUEST THE REMOVAL OF ANY FRAUDULENT INFORMATION FROM MY CREDIT REPORT THANK YOU. This regulation mandates that credit. Here are the items I am asking you to verify as accurate EXPERIAN : [ Acct Name : XXXX XXXX XXXX ] [ Acct # XXXX ] [ Acct Name : XXXX XXXX ] [ Acct # XXXX ] [ Acct Name : XXXX XXXX ] [ Acct # XXXX ] [ Acct Name : XXXX XXXX ] [ Acct # XXXX  ] [ Acct Name : XXXX XXXX ] [ Acct # XXXX ] [ Acct Name : XXXX XXXX ] [ Acct # XXXX ] [ Acct Name : XXXX XXXX ] [ Acct # XXXX ] [ Acct Name : XXXX XXXX ] [ Acct # XXXX ] INQUIRY : XXXX XXXX  - XX/XX/XXXX INQUIRY : XXXX - XX/XX/XXXX INQUIRY : XXXX XXXX  XXXX - 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 2025-09-15 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: GA

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised.

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX  Account number : XXXX * Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2900.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: AL

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I confirm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately. 
Accounts : 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 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 2025-09-15 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: AL

Complaint narrative:
After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I confirm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately. 
Accounts : 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 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 2025-09-15 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: EQUIFAX, INC.
State: FL

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. The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute several accounts listed on my credit report. I believe these accounts may contain errors or inaccuracies that need to be investigated and corrected. Below is a list of the accounts I am disputing : TransUnion : 1. Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$3800.00} XXXX. Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$18000.00} XXXX  : XXXX. Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00} XXXX. Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} XXXX  : XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Date Opened : XX/XX/XXXX Balance : {$4600.00} XXXX. Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} I request that these accounts be thoroughly investigated, and any discrepancies or errors be corrected. If any of these accounts are found to be inaccurate, I ask that they be removed or updated appropriately from my credit 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 2025-09-15 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: Affirm Holdings, Inc
State: MA

Complaint narrative:
i have received a copy on my consumer report and I noticeI have received a copy on my consumer reports and I notice that affirm inc have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means.

consumer report ( 1 ) In general.

The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

FICO or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( ME ) and the Person ( affirm inc ) is a violation of 15 USC 1681a.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Dispute # XX/XX/year> in the amount of {$190.00} XXXX XXXX highly desired. 
Complaint : Merchant failed to provide services that were payed for and removed complete access to all module after merchant was notified of my dispute CLAIM : XXXX Dispute # XXXX in the amount of {$190.00} Merchant : XXXX XXXX Complaint : delivery made to wrong apartment complex. Provided proof of emails between myself and misdelivered package based of delivery photos and even a police report. XXXX does not want to refund me and indicated I needed to speak to TD bank. 
CLAIM NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am filing this complaint regarding TD Banks handling of an unauthorized transfer from my account. On XX/XX/year>, A scammer got into my online banking account, and then immediately transferred {$5000.00} out of my checking account via XXXX XXXX transaction.The scammer also transferred {$40000.00} and {$10000.00} respectively to XXXX of my separate checking accounts also at TD bank. 

I reported the fraud immediately to TD Banks fraud department. 

I'm writing this because TD Bank may indicate that because the scammer ( using a spoof number - showing up as the actual TD hotline # XXXX ) deceived me into disclosing a one-time login code, which they used to change my online banking password, and then access my account and transfer {$5000.00} without my authorization, that they may not consider the transfer unauthorized and may deny reimbursement. However, under Regulation E ( Electronic Fund Transfer Act ), a consumers liability is limited for unauthorized electronic transfers, even if the access device or code was obtained by fraud. The fact that I was misled into giving the code means this was not an authorized transaction. 

This situation has caused me significant financial harm, and I am concerned TD Bank will not honor its obligations under Regulation XXXX to reimburse me. I am a long-time customer with substantial funds held at TD, and I expect fair treatment and compliance with consumer protection laws. 

I request that the CFPB review TD Banks handling of my claim and ensure that I am reimbursed for the {$5000.00} unauthorized transfer in accordance with Regulation XXXX protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: MD

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name : XXXX XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number : XXXX * * Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account XXXX : XXXX * Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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