vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-01 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: AR

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I am in need to formally contest the terms of a vehicle loan I obtained through Ally Bank in XXXX. Despite maintaining a credit score above XXXX and having a co-borrower with a credit score above XXXX, we were quoted a given an interest rate of 16.24 % far exceeding the rate that our credit profiles warranted. Furthermore, we paid several XXXX XXXX  over the XXXX  for the vehicle. 

This treatment mirrors the discriminatory practices identified in the XXXX joint enforcement action by the U.S. Department of Justice and the Consumer Financial Protection Bureau. In that case, settlements revealed that XXXX indirect auto-lending system allowed dealer discretion to inflate interest rates for borrowers based on race and ethnicity, resulting in higher costs for over XXXX minority consumers. 
Although Ally set a baseline buy rate based on creditworthiness, dealers were permitted to add unregulated markups and Ally shared in that revenue with insufficient monitoring for disparate impact. This led to statistically significant overcharges to XXXX, XXXX, and XXXX or XXXX XXXX XXXX XXXX similar credit profiles. 
Like thousands of others, I am effectively being penalized due to my ethnicity and the fact that I was relatively young despite meeting objective credit standards. The XXXX  % rate imposed on me reflects the very bias that the XXXX enforcement action found : unfair markups layered on top of legitimate rates for qualified borrowers. Due to my business failing in XXXX, I was forced to voluntarily give the vehicle up due to not being able to afford it due to the very high interest rate. Ally bank then came back to file a lawsuit against me for the remaining balance due on the vehicle. 

Given Ally Banks documented history of insufficient oversight in its indirect auto-loan processesand the subsequent DOJ/CFPB settlementI XXXX my experience falls within the scope of recognized discriminatory practices. I am asking for help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
XXXX XXXX, XXXX 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , 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.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, I made a payment of {$280.00} to Westlake Financial after speaking with a representative who stated the contract might still be active. Shortly after, the contract was terminated. I was told I would receive a refund in the mail. 

As of today, XX/XX/year>, I have not received the refund, and Westlake has now shifted responsibility to the dealership. I paid Westlake directly, and I have written and visual proof of the transaction. 

I have made multiple calls and was told the refund would be processed by mail, but I have yet to receive a check or confirmation. Westlake has refused to email or document anything and now claims it is not their responsibility. 

I am requesting the immediate return of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I have tried on multiple occasions to try and use my Affirm line of credit {$7800.00} to purchase merchandise from online retailers. My recent transaction on XX/XX/XXXX for {$610.00} was denied and wouldn't allow me to see Virtual XXXX  card. I use to be able to go and purchase merchandise and then go to the Affirm website and create a Affirm virtual XXXX  to pay for the merchandise. Normally I would enter the amount I intended to spend and then it would allow me to choose a payment plan. Second I would sign a loan consent or acknowledgement. Fourth the XXXX  card would appear with card number exp date, and cvv number. Now all over sudden the company has blocked me from using the service at check out but tell me I have {$7800.00} available to use. Every time I would call affirm I would be transferred to a foreign country and speak with a foreigner I couldn't communicate with. These customer service rep always blamed the technical problem on the Affirm card which is a real credit card they send you with the Affirm logo and is link to your checking account. They said it was causing the problem and always blamed it on insufficient funds in my checking account. I have asked them on multiple occasions to cancel this Affirm credit card out and remove it from my account but I keep having problems. They sent me a message recently stating that they were going to reinstate the Affirm credit card after me telling them I didn't want it. I keep getting the run around when I call them to try and get the virtual XXXX card online reinstated so I can use it at online stores but for some reason I have been deliberately blocked by Affirm from using this feature online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NV

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I would like to request the removal of the security freeze on my credit report to allow authorized financial institutions to access my credit history. This is necessary for the processing of my loan application, which requires a review of my creditworthiness and financial standing. Please proceed with lifting the freeze as soon as possible to ensure a smooth and timely evaluation of my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-01 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:
I am writing to formally request a renewed reinvestigation of the following derogatory account appearing on my Equifax credit report. This account has been disputed previously, but it remains unresolved. I believe the late payment information is inaccurate or unverifiable, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i to have it reexamined. 
Account in Dispute : Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$14000.00} This account is reporting late payments that I do not agree are accurate. I am requesting that Equifax obtain complete and original documentation directly from the creditor to confirm every detail of the payment history. If the account information can not be fully verified, I ask that it be corrected or removed in compliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
I received a derogatory remark on my credit report stating I owe a balance that is not mine. I have no information on the balance and was not contacted about the balance. I do not owe any collections and do not know why it was put on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
on XX/XX/XXXX XXXX collection was removed from my credit report, with XXXX XXXX XXXX. for world finance and security finance. On XX/XX/XXXX they reported it back on my credit as a new collection. This is illegal and should be corrected asap. the amounts were for XXXX, XXXX. I have disputed these accounts multiple times for fraud and they are trying to put it back on

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXXXXXX XXXX XXXX Account Number XXXX Balance : {$1000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
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 2025-07-01 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: AZ

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 response to consumer: Closed with non-monetary relief