vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I filed a complaint on XX/XX/year> and it was closed with out a response. The complaint was pertaining to a matter that occurred On XX/XX/year> I purchased a vehicle it was sold to me without a current emissions in the state of Georgia it is illegal to sale a vehicle without a current emissions. The vehicle report should had been sent to the financial lender. The lender should have before financing the vehicle abided by the States laws some states have a lemon law that protects the customers which falls under consumer law. When reaching out to the financial lender to discuss this matter I was forwarded to a automated system and was unable to file a dispute and hardship to resolve the matter. It is to my belief that I'm am being targeted by a strong entity and they have concluded against to deliberately slander my credit and character by forcing a swindling contract that is against the LAW. This lender has reported inaccurate information on my credit report when all payments have been paid by the due date. This has caused my credit report to decline this has caused hardship.

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 2025-05-23 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
This equity loan with PNC Bank was opened in XXXX. On XX/XX/XXXX, I became unable to repay the loan due to financial hardship, which began when I lost my full-time position and had medical issues that led to XXXX  XXXX. On XX/XX/XXXX, I received " an intent to foreclose '' letter demanding a XX/XX/XXXX resolution. I quickly applied for a XXXX hardship forbearance based on a 30 % reduction of family income. This application was denied due to " insufficient income '' per my point of contact. I informed my point of contact - XXXX that as of XX/XX/XXXX, in addition to my full-time position, I obtained a new part-time position, increasing my monthly income by 40 % ( $ XXXX ). I then submitted an appeal based on this new income, which again was denied. I repeatedly tried to contact XXXX, however, she never did return my call. Another representative stated she could only tell me it was rejected, but could not explain why. The initial denial was in XXXX, and the appeal denial was in XXXX. I paid the initial demand of {$4100.00} in XXXX. XXXX weeks later, I received another demand letter for {$4100.00} for XX/XX/XXXX. My question is, if a hardship request is denied for a temporary lack of income, what is the purpose of the forbearance? Secondly, my point of contact misled me into thinking the decision was based on family income, yet when that income increased, it was again denied. Is it a financial hardship that warrants forbearance, or just the bank 's random decision to proceed to foreclosure on a home worth far more than is owed? I believe I was evaluated unfairly and seek an unbiased evaluation, and in the end, all I want id a forbearance to make arrears. At this point, my primary mortgage is at risk of foreclosure as I desperately need consideration for this forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NC

Complaint narrative:
15 Usc 1681 s2 XXXX  XXXXXXXX XXXX XXXX there XXXX accounts inaccurate 30 60 90 days late XXXX XXXX XXXX XXXX 30 60 90 days inaccurate XXXX XXXX 30 60 90 days inaccurate XXXX XXXX XXXX 30 60 90 days inaccurate XXXX XXXX collection accounts inaccurate Credit Collection 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 2025-05-23 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: OneMain Finance Corporation
State: TX

Complaint narrative:
FOURSIGHT CA ( Inquiry : XXXX XXXX, 2023 ) FOURSIGHT CA conducted a hard inquiry that I did not initiate. There was no credit application or written permission. This violates FCRA guidelines and I request immediate removal of the inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK
State: GA

Complaint narrative:
This company has called me and threatened to sue me and take me to court, continually harassed me and verbally attacked me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: PR

Complaint narrative:
I am writing to formally request a full investigation into inaccurate and misleading information Equifax continues to report and disclose on my credit report. This includes both an account associated with XXXX  and several unauthorized credit inquiries which are negatively impacting my credit history. 

According to the FTC Identity Theft Report XXXX. XXXX, signed under penalty of perjury, I have identified multiple incorrect data entries that must be urgently investigated and corrected. 

Incorrect Information Reported by Equifax : XXXX. XXXX Account # XXXX The account reflects activity from XXXX and is still appearing as active or current, even though it qualifies as obsolete under the FCRA, specifically 15 U.S.C. 1681c ( a ) ( 4 ), which prohibits the reporting of negative information older than 7 years from the date of the last delinquency. 

XXXX. Unauthorized Credit Inquiries : I also request that you investigate and remove the following unauthorized inquiries, as listed in my FTC report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Legal Basis : The following provisions of the Fair Credit Reporting Act ( FCRA ) are being violated if Equifax fails to correct this information : 15 U.S.C. 1681e ( b ) Obligation to maintain maximum possible accuracy in credit reporting.

15 U.S.C. 1681i Duty to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681c-2 Duty to block identity theft-related information upon receipt of proper documentation.

15 U.S.C. 1681c ( a ) ( 4 ) Prohibits the reporting of accounts with delinquencies that exceed the 7-year limit. 

Formal Request : I hereby request the following : That you conduct a complete investigation into the XXXX account and the inquiries listed above. 

That this account and the inquiries be removed from my credit report if they can not be fully verified with complete and legitimate documentation. 

That I receive a written response within 30 days, as required by law. 

Attached to this letter, please find : FTC Identity Theft Report ( No. XXXX ) Proof of identity Proof of address If I do not receive a timely and lawful resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Brock & Scott, PLLC
State: GA

Complaint narrative:
This company has called me and threatened to sue me and take me to court, continually harassed me and verbally attacked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CT

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-22 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: PA

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Colony Brands, Inc.
State: IN

Complaint narrative:
On XX/XX/2025, I sent a certified letter to SEVENTH AVENUE requesting documentation related to my account. Specifically, I asked for the original account number, the date the account was opened, the payment history ledger, the date of the last payment, and any documents bearing my handwritten signature. This account is currently in charge-off status and has been written off as a profit and loss write-off. Also, I requested a response within thirty days of the letter being sent. As of today I have yet to receive a written letter from this creditor validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: NC

Complaint narrative:
I am filing a follow-up complaint regarding an unauthorized or unverified hard inquiry reporting on my Equifax credit file from XXXX dated XX/XX/2024. I did not initiate any credit application, authorize this company to access my credit report, or give written or electronic consent for any type of inquiry on or around that date. This inquiry was conducted without permissible purpose as defined under 15 U.S.C. 1681b, and its presence on my credit report is causing unwarranted damage to my credit score and reputation. I have attempted to contact the creditor and Equifax for documentation showing my authorization, but no such proof has been provided. 

Equifax has a legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure all inquiries appearing on my credit file have a valid purpose and are authorized by the consumer. The appearance of this inquiry without consent points to serious systemic failures, possibly stemming from a wider issue such as a data breach or poor internal verification protocols. This unauthorized access to my credit report is unacceptable, and its continued presence indicates that Equifax has failed to conduct a proper reinvestigation as required under 15 U.S.C. 1681i. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have further exposed Equifax 's history of conducting sham investigations and failing to meet basic standards of consumer protection. Specifically, as outlined in 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax must conduct a reasonable and thorough investigation of any dispute within 30 days, and under 15 U.S.C. 1681 ( a ) ( 5 ), they must promptly delete or correct any unverifiable information. This inquiry remains unverifiable and should not be allowed to remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-23 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:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX 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 Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 
Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-22 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: UNITED AUTO ACCEPTANCE
State: FL

Complaint narrative:
I pulled my credit reports and noticed several accounts that i did not open that are severely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with zero compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law. 

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. 
You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher. 
2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information. 
3.The names, contact information, and job titles of the individuals who handled my dispute. 
4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ). 

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs. 

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXXXXXX XXXX XXXXXXXX

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 2025-05-23 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: Block, Inc.
State: DE

Complaint narrative:
Made a charge of XXXX to a merchant never received goods or services, cancelled charge thru email and no response. Went to reviews and other customers were going through the samething so I disputed the charge less than 48 hours cashapp denied the dispute said services were rendered without giving any documentation supporting my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: GA

Complaint narrative:
I am writing to follow up on my previous correspondence regarding my request for the removal of fraudulent items from my credit report. I previously requested that Experian, Equifax, and TransUnion remove these items from my credit file. I am now reiterating my request to ensure that all fraudulent items I have identified are removed by each of the three credit bureaus. Please find the list of items below that I would like to be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9800.00} - XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$390.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Balance Owed : {$450.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX Balance Owed : {$530.00}

Company response to consumer: Closed with non-monetary relief