vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Westlake Services, LLC
State: TN

Complaint narrative:
Both my wife and I have had several calls over the past week or so that did not specify the full company name or the reason for the call. I answered 2-3 of them and received a very generic recorded message that simply said that it was " Westlake '' calling and agents were available to help me with my call ( but I didn't call them ). I finally figured out that these calls were actually from " Westlake Portfolio Management '', a company that recently took over the processing of one of our auto loans. I tried calling them during their published hours - initially on a Sunday, then this morning, Monday. Both times I was unable to speak with a representative to find out what the problem was, or the reason for the repeated calls. I gave up with that and logged into the web site and found that my autopay scheduled for XX/XX/year> was not processed, even though the funds were there in the same account I'd been using for the previous 2.5 years. I manually submitted a payment, just to keep my account in good standing. 

It appears that Westlake Portfolio Management is a collections agency. Though I've never missed a payment on this account and have an Excellent credit score, I didn't understand how or why I was having to deal with a collections agency. Plus they made it impossible for me to speak with anyone there. I even tried the online chat, and they wanted to continue via email. I checked the email address they have on file, but never received anything from them.

So, it appears that the " problem '' was that, for some reason, they did not process my auto-payment, and did not give me any way of contacting them. My wife is now concerned that they are going to re-possess her vehicle due to a mix up on there end, and we have no way of contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
An account I have never opened or authorized is listed on my credit file. I have no relationship with the reporting creditor, and there is no valid agreement that would justify this accounts existence. This false reporting is harmful and must be resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: TX

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-08-11 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: NV

Complaint narrative:
I hold no association with these accountsthey should be taken off in 15 days under USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
On XX/XX/XXXX, I entered into a Retail Installment Sales Contract with XXXX XXXX, which was subsequently assigned to Ally. The contract itself raises material concerns : The contract lists a start date of XX/XX/XXXX, almost XXXX months after the execution date, without explanation. 

My down payment is not reflected in Allys provided accounting and has not been properly credited to reduce the amount financed. 

Add-on products, including Insured XXXX ( {$180.00} ) and Asset Protection ( $ XXXX ), appear in my original contract but were omitted from Allys accounting and not credited in their Notice of Our Plan to Sell Property, which lists {$0.00} in insurance premium credits. 

On XX/XX/XXXX, and again on XX/XX/XXXX, I sent certified dispute letters to Ally, requesting : Complete copy of the original Retail Installment Sales Contract with my wet signature Full payment history & itemized accounting from inception All amendments, addenda, and modifications All assignments, transfers, and securitizations ( chain of custody ) Legal standing, repossession license & bond Verification that all notices complied with UCC 9-610 & 9-614 Sworn affidavit of truth and completeness I also directed that all communications be made via XXXX mail only. 

Allys reply dated XX/XX/XXXX was outside the 30-day window required under 12 C.F.R. 1022.43 ( e ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and did not include all requested documents. 

XXXX days later, Ally repossessed my vehicle while my dispute remained active, violating : 12 C.F.R. 1006.14 ( b ) ( CFPB Reg F 7/7 call limit excessive contact during dispute ) FDCPA 1692c ( c ) ( via state UDAP statutes ) UCC 9-611 ( b ) / NRS 104.9611 ( 1 ) ( failure to act in good faith ) UCC 9-623 / NRS 104.9623 ( 1 ) ( impairing redemption rights ) On XX/XX/XXXX, Allys Redemption Center ( XXXX XXXX XXXX ) provided redemption terms that excluded standard payment methods and required XXXX, XXXX XXXX XXXX or wire transfer only. This restriction is not commercially reasonable under UCC 9-610 ( b ) and appears designed to hinder redemption. 

Furthermore, AutoReturn.coms listing for Ally Financial shows a non-functional placeholder number ( XXXX ), obstructing my ability to contact the responsible party for my vehicles recovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My car was deemed a total loss on XX/XX/year>. 
My insurance company paid {$40000.00} to the lender on XX/XX/year> I had a balance of {$5200.00} to be paid by XXXX insurance. 
XXXX insurance paid {$5200.00} on XX/XX/year>. 

I was advised on a call to TD Bank between XX/XX/year> and XX/XX/year> that I did not need to make anymore payments while I wait for XXXX  insurance to pay the remainder of loan. After the account was closed, TD Bank reported to the credit bureau that I missed XXXX payments lowering my credit score significantly. I would have made the payments if I knew I had to versus waiting for XXXX  insurance to pay the balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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:
These accounts are not under my name or responsibilityUSC 1681g demands removal within 15 days.

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 2025-08-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Tromberg, Miller, Morris & Partners, PLLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I sent a written Debt Validation Demand Letter under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) to Miller, George & Suggs , PLLC, foreclosure counsel for XXXX XXXX, disputing the alleged mortgage debt in its entirety. This was sent within 30 days of their initial communication on XX/XX/XXXX and delivered via XXXX XXXX Mail on XX/XX/XXXX at XXXX am EST ( proof attached ). 

Despite this timely dispute, on XX/XX/XXXX, they filed a foreclosure lawsuit in XXXX XXXX, XXXX  ( XXXX XXXX. XXXX ) and recorded a Notice of XXXX XXXX in the public records without first providing the required debt validation. Filing foreclosure and recording a lis pendens without validation is continued collection activity in violation of 15 U.S.C. 1692g ( b ).

I have over a year of documented disputes and Qualified Written Requests to multiple parties in the loan chain, including the original lender and prior servicers. Responses received have been incomplete and non-compliant with RESPA and Regulation X. I also have pending FOIA requests with XXXX, XXXX XXXX, and the XXXX XXXX  related to securitization and investor claims. 

These actions have clouded my title, harmed my credit, and forced me into defending a foreclosure action without the legally required validation. My attached packet contains the FDCPA letter, XXXX proof of delivery, the recorded XXXX XXXX, and a complete timeline of disputes from XX/XX/XXXX to present.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: DE

Complaint narrative:
I am unaware of this debt i did not have the opportunity to dispute this information from this company if in fact they believe i have received proper notification please send me the certified receipts with my signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-11 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: MI

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 2025-08-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Filed a complaint XX/XX/scrub>XXXX XXXX XXXX. The credit bureaus failed to comply with their written statement which was to remove and stop reporting

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 2025-08-11 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: OH

Complaint narrative:
Filed a complaint XX/XX/scrub>XXXX XXXX XXXX. The credit bureaus failed to comply with their written statement which was to remove and stop reporting

Company response to consumer: Closed with explanation