vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : Experian ( or Equifax, TransUnion ) XXXX : XXXX Dispute Inaccurate Repossession and Civil Judgment Reporting Account Name : Credit Acceptance XXXX Account XXXX XXXX XXXX XXXX Case # : ( Insert Case Number if Known ) I am formally disputing both the tradeline and public record associated with XXXX XXXX XXXX pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ), 607 ( b ), 605 ( a ) ( 2 ), and 609 ( a ) ( 1 ).

This dispute concerns two related but independently reported items : 1. A voluntary repossession from XXXX, and XXXX. A default judgment from XXXX allegedly connected to the same debt. 

The XXXX XXXX account is inaccurately reporting a balance of {$10000.00} as of XX/XX/XXXX, despite the following issues : No credit appears to have been applied from the post-repossession auction sale, violating UCC 9-610 ( c ).

No deficiency balance notice or proper sale notification was ever received. 
The account has been closed since early XXXX, yet it still reflects an active balance.

Reporting both a repossession tradeline and a judgment for the same debt constitutes duplicate derogatory reporting, which is misleading and in violation of FCRA 607 ( b ).

The account has not been properly validated under FCRA 609 ( a ) ( 1 ) and 623 ( b ). 

XXXX XXXX XXXX XXXX can provide full documentation of the repossession process, including : The original contract Proof of commercially reasonable sale Deficiency balance calculation Proof of legal notice given to me then this tradeline is incomplete, unverifiable, and must be deleted under FCRA 611 ( a ) ( 5 ). 

Additionally, I dispute the reporting of the default judgment obtained in XXXX. If this judgment is being reported in addition to the tradeline above, it results in duplicate negative reporting for the same account, which is both inaccurate and unfair. 

Under FCRA 607 ( b ) and 605 ( a ) ( 2 ), you must ensure all public records are : Accurate Verified at the source Complete with court name, docket number, amount, status, and filing date Unless you can provide full documentation verifying : The exact court and case number The date and amount of judgment The current status ( active, satisfied, vacated, etc. ) then this public record must be deleted in accordance with FCRA 611 ( a ) ( 5 ).

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Inaccurate Repossession and Civil Judgment Reporting Account Name : Credit Acceptance Corp Account XXXX XXXX XXXX XXXX Case # XXXX XXXX Insert Case Number if Known ) I am formally disputing both the tradeline and public record associated with Credit Acceptance Corp pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ), 607 ( b ), 605 ( a ) ( 2 ), and 609 ( a ) ( 1 ).

This dispute concerns two related but independently reported items : XXXX. A voluntary repossession from XXXX, and XXXX. A default judgment from XXXX allegedly connected to the same debt. 

The Credit Acceptance account is inaccurately reporting a balance of {$10000.00} as of XX/XX/XXXX, despite the following issues : No credit appears to have been applied from the post-repossession auction sale, violating UCC 9-610 ( c ).

No deficiency balance notice or proper sale notification was ever received. 
The account has been closed since early XXXX, yet it still reflects an active balance. 
Reporting both a repossession tradeline and a judgment for the same debt constitutes duplicate derogatory reporting, which is misleading and in violation of FCRA 607 ( b ).

The account has not been properly validated under FCRA 609 ( a ) ( 1 ) and 623 ( b ).

Unless Credit Acceptance Corp can provide full documentation of the repossession process, including : The original contract Proof of commercially reasonable sale Deficiency balance calculation Proof of legal notice given to me then this tradeline is incomplete, unverifiable, and must be deleted under FCRA 611 ( a ) ( 5 ). 

Additionally, I dispute the reporting of the default judgment obtained in XXXX. If this judgment is being reported in addition to the tradeline above, it results in duplicate negative reporting for the same account, which is both inaccurate and unfair. 

Under FCRA 607 ( b ) and 605 ( a ) ( 2 ), you must ensure all public records are : Accurate Verified at the source Complete with court name, docket number, amount, status, and filing date Unless you can provide full documentation verifying : The exact court and case number The date and amount of judgment The current status ( active, satisfied, vacated, etc. ) then this public record must be deleted in accordance with FCRA 611 ( a ) ( 5 ).

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: MS

Complaint narrative:
I am submitting this complaint due to ongoing inaccurate, misleading, and inconsistent credit reporting activity by XXXX Indigo XXXX XXXXXXXX XXXX ). The original tradeline reflected a falsely inflated balance that exceeded the original {$300.00} credit limit, which later changed to {$0.00} without adequate explanation. Additionally, the company manipulated payment history by retroactively adding late payments and derogatory statuses an act that misrepresents the factual timeline of the account and constitutes willful misreporting.

These changes occurred after I formally requested verification and validation, suggesting either retaliation or an attempt to obscure prior false reporting. The retroactive adjustments and inflated balance history reflect violations of FCRA 1681s2 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ), and 1681i ( a ) ( failure to conduct reasonable reinvestigation ). 
Although the tradeline was eventually removed from XXXX, residual derogatory comment codes such as " charge-off, '' " closed derogatory, '' and payment delinquency remain on other reports, leading to disparate data across credit bureaus and causing continued injury to my consumer profile. 
I have requested that XXXX  Indigo : Remove all derogatory remarks from all consumer reporting agencies Explain the original balance inflation and provide proof of actual charges Account for the retroactive manipulation of payment history Demonstrate compliance with inter-bureau correction and uniform deletion Specifically, after I disputed the account, XXXX  Indigo appeared to retroactively alter the payment history on my credit reports by backdating late payments and adding derogatory marks that did not reflect the accounts actual usage timeline. These retroactive changes included new notations of 30-, 60-, and 90-day late payments in months where no such delinquencies had previously been reported. In effect, they re-aged and re-coded the payment sequence to simulate chronic delinquency artificially degrading my credit profile. This is a textbook violation of FCRA 623 ( a ) ( 2 ), which prohibits furnishers from modifying previously reported data without reinvestigation or notice to the consumer. It also creates a deceptive tradeline history that would mislead any future creditor, landlord, or insurer evaluating my report. 
To date, no such validation or corrective action has been taken. I am submitting this complaint in good faith and have retained all correspondence and screenshots. Should these issues not be resolved within the regulatory window, I will pursue legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Constant harassment calls unlawful collection of my XXXX XXXX  of XXXX supposedly paid I want them to verify any debt and cease any collection if they refuse this violation of my rights and especially during my work hours at home sleeping I can not afford what ever debt they keep trying to collect I informed them multiple times Ive even been hanging up because their constantly calling at work multiple to phone during important phone calls regarding work on personal matters like family and friends this is unacceptable this is also violation of privacy and consumer rights they said it pay then its not payed whats really going on

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Subject : Dispute of Inaccurate Collection Account I am disputing a collection reported by XXXX XXXX XXXX on my XXXX credit report. This account shows no original creditor, no accurate payment history, and is older than 7 years from the original delinquency date, which violates the Fair Credit Reporting Act ( FCRA 605 ( a ) ).

Please delete this account from my credit report immediately as it is unverifiable and outdated.

I was unable on their online system to dispute the account, the option to do so was blocked no matter how many attempts to do so. I tried both online and in their app. There was no tech support chat to talk to so I'm left with only two options of trying to collect all my information to send by mail or solicit the hel
p of another agency. This occurrence is with XXXX credit reporting agency

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 2025-07-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$8000.00} 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 XXXXXX/XX/XXXX, Balance : {$1600.00} XXXXXXXX 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, Balance : {$2000.00} XXXXXXXX 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, Balance : {$2000.00} XXXXXXXX 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, Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$820.00} XXXXXXXX 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, Balance : {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: WI

Complaint narrative:
I am requesting that an investigation be opened regarding the inaccurate reporting of these accounts on my credit report. In accordance with USC 1681g, I ask that they be removed within XXXX  days. Enclosed are the supporting documents for your careful review. In addition, the reported account data is inconsistent across the major credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Transunion INQUIRES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXXXXXX TRANSUNION XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXXXXXX XXXX {$5500.00} XXXX XXXX {$680.00} TABSUNBIT {$180.00} XXXX {$140.00} theft Incident : Credit Card Opened by the Thief What company or bank issued the credit card? XXXX of a company representative that you spoke phone XXXXCompany 's email address : If you know, tell us when the account was XXXX did you first notice the problem? XXXX you know, estimate the total fraudulent charges.XXXX XXXX Theft Incident : Fraudulent Charges to My Credit Card What company or bank issued the credit card? XXXX XXXX XXXX  of a company representative that you spoke to : Company 's phone number : Company 's email address : If you know, tell us when the fraudulent charges began.When did you first notice the problem? 6/2025XXXX you know, estimate the total fraudulent charges.XXXXAccount number : Theft Incident : Fraudulent Personal or Business Loan What company or bank opened the fraudulent account? XXXX XXXX XXXX XXXXName of a company representative that you spoke to : Company 's phone number : Company 's email address : If you know, tell us when the fraudulent charges began.XXXXWhen did you first notice the problem? XXXXIf you know, estimate the total fraudulent chargesXXXXAccount number : Theft Incident : Fraudulent Federal Student Loan What is the name of the lender or loan servicer for the fraudulent loan? XXXX XXXX XXXX XXXX XXXXName of a company representative that you spoke to : Agency 's phone number : Agency 's email address : If you know, tell us when the fraudulent charges began.XXXXWhen did you first notice the problem? XXXXIf you know, estimate the total fraudulent charges.XXXXAccount numberXXXX  Theft Incident : Fraudulent Mobile Phone Account What company opened the fraudulent account? XXXX XXXX XXXX of a company representative that you spoke to : Company 's phone number : Company 's email address : If you know, tell us when the account was opened.XXXXWhen did you first notice the problem? XXXXIf you know, estimate the total fraudulent charges.XXXXAccount number :

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 2025-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Subject : Urgent Complaint Regarding Title Release Delay After Loan Payoff Dear [ CFPB / California XXXX XXXX Westlake Financial Customer Support ], I am writing to file a formal complaint regarding an unreasonable delay in releasing the vehicle title for an auto loan I fully paid off with Westlake Financial. 

Account Holder : XXXX XXXX XXXX XXXX Loan # : XXXX Vehicle : XXXX XXXX XXXX XXXX XXXX Payoff Date : XX/XX/XXXX Amount Paid : {$8900.00} ( see attached screenshot ) Payment Method : ACH bank transfer via Westlakes online portal Issue : Westlake Financial is refusing to release the vehicle title until XX/XX/XXXX, claiming that the payment was not made using certified funds. However, the funds were pulled directly from my bank account and have already cleared. It is unclear what additional certification could be more secure than a cleared bank account withdrawal initiated through their own system. 

I need the title released immediately because I am relocating permanently to XXXX, and the title is required for the vehicle export process. 

Request : I respectfully request that Westlake Financial expedite the release of the vehicle title, as the loan has been paid in full using verified bank funds. Delaying the release based on arbitrary fund certificationwhen the funds have already clearedappears unreasonable and could prevent lawful cross-border transportation of the vehicle. 

Please find attached the transaction confirmation as evidence of payment. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: KY

Complaint narrative:
I am reporting an issue with Robinhood, which has restricted my account since XX/XX/2025, and is preventing me from completing the required review process. On XX/XX/2025 I received an email giving me 10 days to submit certain documents. ( due approx XX/XX/XXXX ) Despite submitting identification ( driver 's license, selfie ), I could not submit bank statements. I can not upload any additional documents and my attempts to withdraw funds to verified bank accounts or transfer crypto to personal wallets have been blocked. Robinhood has also restricted crypto purchases and transfers. I requested a call back on XX/XX/XXXX. It rang XXXX times and hung up. I have called back many times and reach an automated voice saying if I missed a call I would receive an email. I go back into Robinhood to ask for another call back, and it says I am on a call with them now. I get automated emails upon asking for a call back. I have a message on Robinhood stating they tried calling me on XX/XX/XXXX, and to request a call back to finish the review and I have tried multiple times and the same thing happens that was described above. 

XXXX XXXX : XX/XX/2025 : Successfully transferred a small amount of XXXX to my XXXX XXXX, but a second transfer of approximately {$4800.00} was rejected, leading to an account restriction. After providing identification and statements, the restriction was lifted on XX/XX/XXXX. 

XX/XX/2025 : Transferred {$1000.00} of XXXX to new XXXX XXXX  without issue. 

XX/XX/2025 : Received an erroneous email about a bank link review I did not request. A second {$1000.00} transfer to XXXX triggered another freeze, initially limiting only crypto transfers. 

XXXX XXXX XXXX : Allowed to deposit and purchase crypto, but on XX/XX/XXXX, received a request for additional ID and statements with a XXXX deadline. 

XX/XX/2025 : Received a new customer agreement; attempted to request a call, but calls rang once before disconnecting, followed by automated emails claiming escalation with no resolution. 

XXXX XXXX XXXX XXXX Continued call attempts failed, and withdrawal to my verified bank account was restricted. 

Impact : This account contains my life savings, including XXXX, XXXX, vacation payouts, and personal savings from 44 years with the Department of Highways. The inability to access or move these funds is causing significant financial distress as well as physical and emotional distress. I have provided all available documentation ( included here ) to verify my identity and transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: Westlake Services, LLC
State: AZ

Complaint narrative:
hello my name is XXXX XXXX about XXXX or XXXX  months ago i went to a used car dealership names XXXX XXXX XXXX XXXX, i went to look for cars i test drove some cars but i never bought one or signed anything, and now after all this time i saw on my credit report that i have a car loan with westlake financial which is not true, that dealership did fraud with my info, i immediately contacted westlake financial and they said i had to file a fraud claim to the credit bureau, please help me to get this loan out of my credit

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 2025-07-03 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief