vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 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: PA

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 XXXX : # XXXX, has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to 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.

15 U.S.C. 1681B ( 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 explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: OR

Complaint narrative:
Indigo XXXX  Card received XX/XX/year> I never applied this credit card, never received the confirmation, no notice was received with account info. such as interest rate, annal fee, etc. 

Received the card and called customer service, no credit line info. but only charging the annual fee and that is balance already occured.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Dispute of Inaccurate Credit Reporting under FCRA Dear Equifax, I am writing to formally dispute inaccurate information on my credit report, report # XXXX, as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

On my credit report, XXXX XXXX, XXXX is reporting a collection account with account number XXXX as an XXXX Account. This classification is inaccurate and misleading. 

According to the FCRA : - 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

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

- 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) further requires that, after receiving a dispute notice, the furnisher must correct or delete any information found to be inaccurate or incomplete.

A collection account is by nature a closed-ended debt obligation that has been charged off or sold, and there is no longer an active credit relationship. Labeling this as an Open Account misrepresents the nature of the debt and could materially affect my creditworthiness by overstating my active obligations and negatively impacting my credit profile.

I respectfully request that you : 1. Investigate this account pursuant to 15 U.S.C. 1681i ( a ).

2. Verify the accuracy of the account designation.

3. Remove the account if it is found to be inaccurately labeled as Open.

Please provide a written response to this dispute within 30 days, as required by the FCRA. If the information is not corrected, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal remedies under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: DE

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are XXXX  to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX * * * * * * Balance {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$41000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: DE

Complaint narrative:
I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are XXXX  to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX * * * * * * Balance {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$41000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance {$2800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I set up a Settlement with Westlake Financial in the amount of {$1800.00}. On my due date. I was unable to pay the full amount. Customer service was in the process of explaining to me the opportunity of setting up a payment plan for the {$1800.00} settlement. Our phone call disconnected. I waited for her to call me back. And she never did. So I called Westlake back. Only to reach a completely rude customer service rep. So after calling multiple times. I finally reached someone who claims their. Policy has changed and now he can only offer me a settlement of {$7000.00}. After trying to explain my situation. All I got was rude customer service. I am a Co-signer on the account to my ex wife. I just wanted to handle the situation and get it off my credit. Only to be met by rude employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: OH

Complaint narrative:
My insurance company paid {$11000.00} XX/XX/2025. My loan company told me that when my insurance company makes a payment it only goes towards my principal balance and it will not bring my loan current and I will still be responsible for past due payments and late fees because the payment received is only applied to principal and not total amount due. I asked 4 times to provide me with that in writing that is how payments are applied depending on the source of the payment from my contract. I called 4 different times for this information and I have yet to received the requested information and verbiage. They are continuing to charge me late fees and report negativity on my credit report that my loan is 59 days past due. The manager XXXX XXXX stated they can apply any partial payments made to my account anyway they want to at their discretion. I asked her to read that to me from the contract and she said well basically that is what is saying.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the accounts I am asking you to verify as accurate : Account Name : XXXX XXXX Account Number : 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 2025-05-10 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: FL

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the accounts I am asking you to verify as accurate : Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be remove and deleted company information from TransUnion. 

Please delete the following account XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00}

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 2025-05-10 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : Failure to Remove Unauthorized Hard Inquiries Despite Providing FTC Identity Theft Report Dear CFPB, I am filing this complaint because Equifax refused to remove unauthorized hard inquiries from my credit report despite submitting a valid FTC Identity Theft Report. 


Issue Description : On XX/XX/XXXX, I submitted a dispute to Equifax regarding multiple unauthorized hard inquiries on my credit report. I provided an FTC Identity Theft Report and other supporting documentation as proof of identity theft. 


The disputed hard inquiries include : XXXX ( Equifax ) - Date : XX/XX/XXXX XXXX XXXX  ( XXXX ) - Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXXXXXX ( XXXX XXXXXXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Equifax completed XXXX dispute investigation on XX/XX/XXXX, and concluded that the inquiries are valid and will remain on my credit report for two years. This decision was made despite the submission of an FTC Identity Theft Report, which clearly indicates that the inquiries were unauthorized. 


Additionally, I contacted the companies that initiated the inquiries, but they refused to assist with removing the entries, citing Equifaxs determination. 


Violation of FCRA : I believe that Equifax did not properly investigate the identity theft claims as required by the Fair Credit Reporting Act ( FCRA ). I am seeking CFPB assistance to ensure that Equifax follows the law and removes the unauthorized hard inquiries from my credit report. 


Desired Resolution : I request that CFPB require Equifax to conduct a thorough and lawful investigation, properly considering the FTC Identity Theft Report and removing the disputed hard inquiries from my credit file. 


Please find attached copies of the FTC Identity Theft Report, XXXXquifaxs response letter, and other relevant correspondence. 


Thank you for your assistance in this matter. 

Contact Information : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, IL XXXX Phone : XXXX ( XXXX ) XXXX Email : XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX * * * * Balance : {$25000.00} Date Opened : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Dispute of Inaccurate Credit Reporting under FCRA Dear Equifax, I am writing to formally dispute inaccurate information on my credit report, report # XXXX, as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). On my credit report, XXXX XXXX XXXX reporting a collection account with account # XXXX as an Open Account. This classification is inaccurate and misleading. According to the FCRA : - 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) states that a furnisher of information 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. - 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) further requires that, after receiving a dispute notice, the furnisher must correct or delete any information found to be inaccurate or incomplete. A collection account is by nature a closed-ended debt obligation that has been charged off or sold, and there is no longer an active credit relationship. Labeling this as an Open Account misrepresents the nature of the debt and could materially affect my creditworthiness by overstating my active obligations and negatively impacting my credit profile. I respectfully request that you : 1. Investigate this account pursuant to 15 U.S.C. 1681i ( a ). 2. Verify the accuracy of the account designation. 3. Remove the account if it is found to be inaccurately labeled as Open. Please provide a written response to this dispute within 30 days, as required by the FCRA. If the information is not corrected, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal remedies under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NV

Complaint narrative:
Dispute of Inaccurate Credit Reporting under FCRA Dear Transunion, I am writing to formally dispute inaccurate information on my credit report, report # XXXX, as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). On my credit report, XXXX XXXX XXXX reporting a collection account with account # XXXX as an Open Account. This classification is inaccurate and misleading. According to the FCRA : - 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) states that a furnisher of information 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. - 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) further requires that, after receiving a dispute notice, the furnisher must correct or delete any information found to be inaccurate or incomplete. A collection account is by nature a closed-ended debt obligation that has been charged off or sold, and there is no longer an active credit relationship. Labeling this as an Open Account misrepresents the nature of the debt and could materially affect my creditworthiness by overstating my active obligations and negatively impacting my credit profile. I respectfully request that you : 1. Investigate this account pursuant to 15 U.S.C. 1681i ( a ). 2. Verify the accuracy of the account designation. 3. Remove the account if it is found to be inaccurately labeled as Open. Please provide a written response to this dispute within 30 days, as required by the FCRA. If the information is not corrected, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal remedies under the FCRA.

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 2025-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: Chime Inc.
State: GA

Complaint narrative:
I used the Sendwave XXXX  to send {$1000.00} USD to XXXX on XX/XX/year>. Before confirming the transfer, the app showed that the exchange rate for transactions above {$1000.00} was XXXX IDR per USD. However, immediately after I submitted the transaction, the final exchange rate applied was only XXXX IDR per USD, which is significantly lower than what was promised. 

This change happened after I confirmed the transfer, and I have a receipt showing the lower rate. I immediately contacted Sendwave support, but they refused to take responsibility and claimed the rate could change at any time. I believe this is misleading and unfair, especially since the rate change occurred right after I submitted the transaction. 

This discrepancy caused me a financial loss and erodes trust in the transparency of their platform. Sendwave no longer responds to emails and only provides in-app support, which was unhelpful and dismissive. 

I am requesting an investigation and a refund or adjustment to reflect the original exchange rate shown at the time of confirmation.

Company response to consumer: Closed with monetary relief