vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am submitting this complaint regarding TransUnion LLCs ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ) after receiving my written dispute, proof of delivery, and requests for verification. 

I disputed multiple accounts with TransUnion in a single written dispute that was delivered by certified mail. Despite proper notice, TransUnion failed to conduct a reasonable reinvestigation and failed to provide the Method of Verification as required under 15 U.S.C. 1681i ( a ) ( 7 ). The disputed accounts continue to be reported without lawful verification. 

Over the past six ( 6 ) months, the furnishers associated with these accounts have repeatedly provided invalid, incomplete, and inaccurate debt validation packets consisting of summaries and conclusory statements rather than documentation sufficient to verify accuracy or ownership. These materials do not establish that the information is accurate, complete, or legally reportable. 

TransUnion has continued to report this information despite : Documented receipt of my dispute Failure to disclose the Method of Verification Reliance on unverifiable and incomplete furnisher responses Inconsistent reporting across credit bureaus Because the furnishers have failed to provide adequate verification and have demonstrated an inability or unwillingness to correct the reporting, TransUnion can not lawfully continue to publish this information. Under the Fair Credit Reporting Act, information that can not be verified must be deleted. 

This failure to comply is causing immediate and severe housing harm. I am actively attempting to secure housing for myself and my children, and TransUnions continued reporting of inaccurate and unverifiable information is directly preventing approval. The ongoing delay in correcting these errors places my family at risk of homelessness, as the credit reporting agencies have failed to meet their statutory obligations despite repeated notice. 

Given the documented procedural violations and the urgent housing impact, I am requesting that TransUnion immediately delete the disputed account ( s ) that can not be properly verified, or alternatively provide documented proof of full compliance with the Fair Credit Reporting Act, including disclosure of the Method of Verification. 

Continued reporting without lawful verification is causing ongoing harm and must cease.

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 2025-12-24 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: TX

Complaint narrative:
Could you validate this entry? It was done late at night.

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 2025-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
I was scam on XX/XX/year>, with XXXX transaction for XXXX, XXXX, and XXXX. I report a dispute and was denied on XX/XX/year>. I requested documentation on XX/XX/year>. I received email from XXXX with case number XXXX. On XX/XX/XXXX I received email from XXXX stated that I case was transferred to their specialty team for the reason why I was denied. On XX/XX/XXXX I received email from XXXX apologies for the wait that I will hear back within 10 days. On XX/XX/year> I received email that my case was closed because a response was provided or its been more than 3 days since we heard from me. I called today to ask why my case was closed the support team didnt give me an answer, I ask to speak to a supervisor since XX/XX/XXXX they only communicate via email. I am very frustrated about this situation getting a refund that I was scam. The bank was XXXX and the XXXX debit card ending in XXXX that didnt belong to me. What is my next step

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

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 2025-12-24 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 filing this complaint regarding ongoing violations of the Fair Credit Reporting Act by Experian Information Solutions , Inc. and XXXX XXXX 

I submitted disputes directly to the credit reporting agencies regarding inaccurate and unverifiable credit information and provided proper proof of identity. I also submitted multiple written requests for the Method of Verification as permitted under federal law. 

Experian issued a dispute result stating the account was verified, then later sent written correspondence stating that no action was taken on my dispute because it was allegedly not authorized. These contradictory statements demonstrate that no reasonable reinvestigation occurred, yet Experian continues to report the information. 

Separately, XXXX  continues to report an XXXX XXXX XXXX account that has already been deleted by Experian using identical furnisher data. XXXX has refused to provide any chain of title or proof of ownership tying the account to a valid transfer. XXXX  has failed to provide a Method of Verification or explain the inconsistent reporting. 

These actions constitute violations of the Fair Credit Reporting Act, including failures to reinvestigate, failures to disclose verification methods, and continued reporting of unverifiable information. 

These violations are causing immediate housing harm, as inaccurate credit reporting is preventing me from securing housing and relocating. 

I am requesting that the Attorney Generals Office investigate these practices and require compliance with federal law, including deletion of any information that can not be properly verified.

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 2025-12-24 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: PA

Complaint narrative:
Company : Westlake Financial Services Product : Auto Loan Issue : Credit Reporting / Repossession / Loan Servicing I purchased a vehicle through dealer-arranged financing that was later serviced by Westlake Financial Services .

The dealer provided a dealer-issued warranty. Within approximately one year, the vehicle suffered catastrophic engine failure requiring replacement. The warranty failed to repair or replace the defect, rendering the vehicle undriveable.

Because the vehicle was defective and unusable, I voluntarily surrendered the vehicle solely to mitigate damages, not as an admission of default or liability. Despite unresolved disputes, Westlake repossessed and sold the vehicle almost immediately. The sale appears commercially unreasonable.

Westlake is furnishing credit information that implies a valid default, repossession, or enforceable deficiency balance. This reporting is inaccurate and misleading. Because the loan was dealer-arranged, Westlake is subject to all claims and defenses against the dealer under the FTC Holder Rule ( 16 C.F.R. 433 ). Any waiver of consumer rights is void under 15 U.S.C. 1662.

I am requesting CFPB assistance to require Westlake Financial Services to conduct a proper investigation, provide documentary proof supporting their credit reporting, remove or correct inaccurate credit reporting, and comply with federal consumer protection laws. 
Documents available include the retail installment contract, warranty documentation, repair diagnosis, repossession notice, proof of sale, and credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
These accounts are inaccurately reported under my name and must be removed within 15 days pursuant to USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
I disputed inaccurate credit reporting regarding a XXXX XXXX XXXX account. The account reflects an incorrect balance payment history and charge off status. 

Despite dispute submission the information continues to be reported without proper verification. This appears to violate 15 USC 1681e b reasonable procedures for accuracy and 15 USC 1681s 2 b furnisher investigation requirements. 

I am requesting deletion or correction of any information that can not be fully verified.

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 2025-12-24 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: UT

Complaint narrative:
Lvnv funding is going to start garnishment on my wages at 25 % my income without a court order or any prior notification. I just heard from my job via email. My late husband took out a bunch of credit cards and loans in my name before he unfortunately passed in XXXX. I don't know what to do. This will cause me to lose my apartment which will cause me to lose my job. I work from home. I won't be able to afford this. Please help. Tell me what options I have please. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC

Complaint narrative:
I sent money XXXX, and the transaction was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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:
These accounts do not belong on my report and must be deleted within 15 days per USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MI

Complaint narrative:
Cash App closed down my Cash App account because of online gambling I didnt do anything wrong according to their terms and services This is what it says and the only thing that it says about online Gambling is Gambling Activity where an individual risks anything of value to get something of value based on a certain outcome. This does not include legal activity with merchants approved by the Company and the Company 's banking partners.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: VA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY

Complaint narrative:
I applied for a credit card and it was approved. 
However I never received it. 
Asked to replace it with rush delivery and still not received. 
Kindly advise. 
Thank you

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 monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year> I received an alert on my phone that my cards have been disconnected. I wasnt informed on what the issue was however I was able to dispute it, unfortunately on todays date XX/XX/year> the bank remained to choose to close the account. I was told on XX/XX/XXXX that I would be receiving a check for the account closure but when I called today they informed me that I have to wait 60 days to receive my money. My checking account has a balance of {$260.00} & savings account balance of {$16000.00}.

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 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Faloni Law Group
State: NJ

Complaint narrative:
As soon as XXXX notified me about this debt I disputed it and I asked for verification. They did not provide it. I filed an Identity theft complaint with the Federal Trade Commission. Again I notified XXXX and there attorney Faloni Law Group XXXX. They failed to remove the account from the credit bureaus and they proceeded to Court to file a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phillips & Cohen Associates, Ltd.
State: TX

Complaint narrative:
Company was sent a credit dispute letter on XX/XX/year>. They didn't respond and continued to contact me. Company was sent a second credit dispute letter by certified mail on XX/XX/year>. It was signed for by the company on XX/XX/year>. Since they have received this dispute they have twice tried to collect on the disputed debt after receipt on certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
This agency is attempting to collect on a utility account. However I have never been serviced by the company they are trying to collect on behalf of. On top of this, this company has reported this account on my credit reports and I haven't even received a collection letter giving me my right to dispute the debt. I didn't even know they were collecting on any debt until I gained a copy of my credit reports. This is known as debt parking by the FTC and I will seek legal action against this agency as their actions not only violate the FDCPA but they are also violating Pennsylvania statutes. Specifically, the Fair Credit Extension Uniformity Act ( FCEUA ) and the Unfair Trade Practices and Consumer Protection Law ( UTPCPL ).

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 2025-12-24 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: PA

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-12-24 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: GA

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 

THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS. 

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 

THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

Company response to consumer: Closed with explanation