vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-07-02 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:
Wilshire consumer credit does not communicate in writing and only by phone where they charge fees to process payments, when my car was repoed their towing company damaged my car and I had to pay XXXX to fix it, they're not taking responsibility for it, their statements reflect wrong amounts and are not correct, they don't pay for car registration and still bill it and they won't agree to a settlement for the account, from online reviews they don't return car titles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: AL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), XXXX U.S. CODE XXXX ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-02 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-07-02 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: TX

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 : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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:
I am reaching out to dispute a collection account that has been reported on my credit file without any proper prior validation. I was never notified of this account, nor given the opportunity to verify its accuracy before it appeared on my 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 non-monetary relief
Consumer complaint received 2025-07-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-02 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: TX

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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.

Complaint narrative:
The company at question is blockchain.com. I have been using this site for several years in the transferring and investing of crypto currencies. 

In XX/XX/year> I made several deposits and withdrawals without any issues. Then, on the XXXX XXXX I processed a withdrawal to my bank account ( XXXX XXXX ) for approximately XXXX. This has been now set on the website as a " manual verification ''. This is now taking several days and my worry is that I will not get my funds back as promised. I need these to purchase a house in the next week. 

When i have contacted live chat, they have told me that there are some support tickets open that they are looking into. They promised me an update once they have done this but won't provide a timeframe or any reason for the delay. I have completed all KYC on the website and only a few days ago successfully withdrew money. 

About a year ago, I had an experience where it took me XXXX to get a response from this company. I can not afford for this to happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I am writing to formally dispute the collection account that LVNV Funding ( XXXX XXXX Bank ) - {$1100.00} is reporting to the credit bureaus regarding an alleged debt. Upon recently reviewing my credit reports, I was shocked to find this account listed. I have no knowledge or record of ever holding an account with LVNV Funding ( XXXX  XXXX Bank ) - {$1100.00}, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the XXXX notice required by the Fair Debt Collection Practices Act ( XXXX  ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Under the FDCPA, I have the right to request to dispute its validity. Given that I have not received any required notice or verification as outlined under XXXX U.S.C. XXXX, this collection account appears to be in violation of federal law. I am hereby requesting that you immediately remove this collection account from all consumer credit reporting agencies ( Experian, Equifax, and TransUnion ) as it is unverified and disputed. Please respond to this dispute in writing within XXXX  days of receipt of this letter, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-02 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: AL

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

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 2025-07-02 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: WA

Complaint narrative:
XXXX on my experian account inquiry was not me. This is the information given on my alerts : Address XXXXXXXX XXXX XXXX XXXX XXXX DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until 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 2025-07-02 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: MD

Complaint narrative:
I am filing this complaint against TransUnion for failing to accurately report and investigate incorrect information related to the account listed below, despite my previous dispute efforts. This error is causing serious harm to my creditworthiness and financial stability. 
Account Information in Dispute : Creditor : XXXX Account Number ( Partial ) : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> High Balance : {$390.00} Status : Charge Off Issues With This Account : This account is being inaccurately reported as a charge-off, and the balance is being misrepresented. I have disputed this account with TransUnion, yet they have failed to conduct a reasonable investigation and continue to report inaccurate information. This is a violation of my rights under federal law. 
Legal Violations Involved : Fair Credit Reporting Act ( FCRA ) Section XXXX ( XXXX U.S. Code XXXX ) : TransUnion failed to conduct a proper reinvestigation of the disputed information. I formally notified TransUnion of the inaccurate reporting, but they have continued to furnish false data without verifying the accuracy with the data furnisher. 
FCRA Section XXXX ( b ) ( XXXX U.S. Code XXXX ( b ) ) : TransUnion has failed to maintain maximum possible accuracy in the reporting of this account, and this negligence has directly impacted my credit profile. 
FCRA Section XXXX ( A ) : I have the right to fair and accurate credit reporting. TransUnion 's continued reporting of this inaccurate charge-off account contradicts the purpose and policy of the FCRA. 
Impact on Me : This erroneous charge-off is unjustly damaging my credit profile, lowering my credit score, and hindering my ability to access fair credit opportunities. I have suffered emotional stress, denial of credit applications, and have had to bear higher interest rates due to this inaccurate reporting. Despite reaching out in good faith, the inaccuracy has not been corrected. 
Relief Sought : I respectfully request the CFPB to investigate TransUnion 's failure to properly investigate and correct the dispute related to this account. I am requesting : Permanent deletion of the XXXX account ending in XXXXXXXX XXXX XXXX XXXX  from my TransUnion credit report. 
A detailed explanation from TransUnion outlining how the investigation was conducted. 
Assurance that TransUnion will comply with all applicable federal credit reporting laws going forward. 
Thank you for your assistance in helping ensure my consumer rights are protected.

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 2025-07-02 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 filing this complaint to dispute late payment notations currently being reported by TransUnion on two auto loan accountsXXXX XXXX, account ending in XXXXXXXX XXXX XXXX, dated XX/XX/year>, and XXXX XXXX, account ending in XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/year>. Both are listed as having a past due amount of {$0.00}, and both reflect a current payment status. Despite this, TransUnion has chosen to include derogatory late payment notations in my credit file, which is misleading, factually inaccurate, and legally indefensible. 

I take my credit and payment history extremely seriously. I make it a point to monitor my accounts, ensure timely payments, and address any discrepancies immediately. Thats why it was deeply frustrating to see late payment marks being reported when both loans clearly show that there is no outstanding balance or overdue payment. These accounts are current, and I have not defaulted on any terms with either creditor. There is no justification for the presence of a late payment indicator when the balance due is zero and the payment status is listed as current. That contradiction alone should warrant removal of the negative notation. 

I have reviewed the reports multiple times and submitted disputes through TransUnions internal channels. I have also contacted the creditors and obtained no indication of a legitimate past due incident. If a creditor themselves can not provide documented evidence of delinquency, TransUnion should not be allowed to maintain derogatory information on my file. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), TransUnion is obligated to report information with maximum possible accuracy. Additionally, under 15 U.S.C. 1681i, once a dispute is filed, the agency must conduct a reasonable reinvestigation and remove or correct any unverifiable data. TransUnions failure to correct this despite these clear contradictions suggests noncompliance.

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 2025-07-02 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: OH

Complaint narrative:
I am filing a complaint regarding unauthorized hard inquiries on my credit reports with TransUnion, Experian, and Equifax, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which requires permissible purpose and my authorization for these inquiries.

Timeline : XX/XX/XXXX XX/XX/XXXX : Discovered multiple hard inquiries on my credit reports that I did not authorize or apply for, including auto financing and dealership inquiries. 

XX/XX/XXXX : Noticed additional hard inquiries from auto lenders and dealerships that I did not initiate, authorize, or consent to in any form. 

I have already disputed these unauthorized inquiries with the credit bureaus and am attaching my FTC Identity Theft Report along with a list of the inquiries that are not supposed to be on my report. 

The unauthorized inquiries on my credit reports are as follows : On my TransUnion report, there are unauthorized hard inquiries from XX/XX/XXXXder 15 U.S.C. 1681b ( c ), a credit reporting agency may only furnish a consumer report for a permissible purpose, which includes my explicit authorization for hard inquiries. I never provided such authorization, nor did I initiate any applications that would require these creditors or dealerships to pull my credit. This may also constitute identity theft under 18 U.S.C. 1028.

These unauthorized inquiries have lowered my credit scores, caused anxiety, and disrupted my financial planning. I am concerned about potential misuse of my identity and the chilling effect it may have on my future credit opportunities. I am spending significant time and energy trying to resolve this situation, including filing an FTC Identity Theft Report and sending disputes.

Company response to consumer: Closed with explanation