vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Vehicle loan or lease — Lease
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: TN

Complaint narrative:
On XXXX I spoke with westlake portfolio who offered a XXXX XXXX payoff to receive the title to my car. I made arrangements to make payments in three increments the last payment was received in full on XXXX. I was told by the rep XXXX that I would receive the title to the car in XXXX to XXXX days after XXXX days I reached out to Westlake who gave me the run around switching me from dept to dept then eventually telling me that they dont know whats going on and that American car cant had my title. I was told when I made the arrangements that Westlake had my title as American car center was no longer in business. I still have not received my title as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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:
Subject : Immediate Action Required - Dispute of Fraudulent Accounts I am writing to forcefully dispute the negative accounts appearing on my credit report, as these are clearly the result of identity theft. I have uncovered unauthorized transactions and accounts opened in my name without my consent. This fraudulent activity has severely damaged my credit and financial standing. 

I expect immediate action on this matter. Acknowledge receipt of this dispute without delay and provide a clear, firm timeline for resolution. You can contact me via the provided phone number or email address for any additional information, though I expect minimal delays.

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 2025-10-27 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: NJ

Complaint narrative:
Subject : Immediate Action Required - Dispute of Fraudulent Accounts I am writing to forcefully dispute the negative accounts appearing on my credit report, as these are clearly the result of identity theft. I have uncovered unauthorized transactions and accounts opened in my name without my consent. This fraudulent activity has severely damaged my credit and financial standing. 

I expect immediate action on this matter. Acknowledge receipt of this dispute without delay and provide a clear, firm timeline for resolution. You can contact me via the provided phone number or email address for any additional information, though I expect minimal delays.

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 2025-10-27 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: NC

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : 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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: NY

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXXXXXX XXXX has reported inaccurate late payments on my credit report even though my account was already paid in full. 

I paid off my XXXX XXXX XXXX XXXX XXXXXXXX XXXX account in full on XX/XX/year>. Despite the account showing a zero balance after that date, the company reported 30-day late payments for XX/XX/year> and XX/XX/year>. 

These reports are factually incorrect and misleading. Once the account was paid in full, I had no remaining payment obligations, and no payments could have been late. Therefore, reporting delinquencies for XXXX and XXXX constitutes false and inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ). 

I contacted XXXX XXXX XXXX XXXX XXXX XXXX directly and provided proof of the XX/XX/year> payoff confirmation. I also disputed the inaccurate information with XXXX XXXX XXXX XXXX. However, the creditor and bureaus have failed to correct the record, and the late payments remain reported. 

These false late entries have negatively impacted my XXXX XXXX and creditworthiness. I am providing documentation to verify that the account was fully satisfied prior to the reported delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: AL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-27 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Citibank alerted me of unusual activity on my credit card on XX/XX/XXXX. I checked my app and saw XXXX pending charges that I had no knowledge of. I called Citibank immediately on XX/XX/XXXX XXXX XXXX  to dispute these charges. I informed them that the card was in my possession at all times, not lost or given to anyone else to use. They canceled my card and sent me a new card and opened a fraud investigation. I received an email confirming this investigation. 

I activated my new card but all of the fraud charges amounting to XXXX XXXX  were transferred to my new card and a minimum payment was expected by XX/XX/XXXX. 

I called a XXXX time on XX/XX/XXXX XXXX XXXX, asking why I was expected to pay on these fraudulent charges and I was concerned about late charges and fees. I was told they were still investigating. 

No further correspondence was received from Citibank to my email on file. 

I called for the XXXX time on XX/XX/XXXX XXXX MT. The representative yelled at me, called me crazy and refused to confirm if any further emails had been sent by the Fraud investigators, requesting for additional information. She then hung up on me.

I now have a balance on my credit card which Citibank is delaying a resolution but expecting a payment on.

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 2025-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Freedom mortgage was sending me notifications electronically which I had not been receiving. I never signed up for electronic notifications. I paid my mortgage in XXXX at the same amount as the prior month but I did not know that they had done an escrow analysis and the amount was increased. When i received a letter sometime at the end of XXXX saying my mortgage was unpaid, I was very confused since i knew I paid it. I called them on XXXX but they were closed. I created an online account to see what was going on. I was still confused trying to go through all the notices in there. When I spoke with someone on XXXX they explained the escrow analysis and shortfall. I immediately paid it. They have marked my payment 30 days late due to a XXXX shortfall on a XXXX mortgage. Now my credit score has dropped XXXX points. When I spoke with them they claim that I downloaded the app and signed up for electronic notifcations in XXXX. This is not true. I downloaded the app on XXXX when I was trying to make a payment. They were rude and aggressive. I dont think any other consumer facing company could get away with this but they don't get selected by the consumer. We just get stuck with them so they dont feel they have to do anything to service customers. I am not a 30 day late payer and my credit score should not be impacted by this event. I included my app history download. The lovely customer service agent who I spoke with at the end of XXXX was so thoughtful as to suggest that I downloaded the app in XXXX, elected electronic communications, and then deleted the app because that would be the rationale thing to do right after you elect electronic notifciations is delete the app. Clearly, I did not do that.

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 2025-10-27 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:
This complaint is regarding inaccurate charge-off and settlement reporting on a closed installment loan. The account shows different high credit amounts, different settlement descriptions, and different payment history codes across the three credit bureaus, which is a violation of FCRA 1681e ( b ) requiring maximum possible accuracy. 

XXXX  reports High Credit as {$2000.00} and Payment after charge-off/collection settled for less than full balance. 
XXXX  reports the account as Unpaid balance reported as loss by credit grantor account legally paid in full for less than full balance. 
XXXX  reports High Credit as {$2500.00} and Settlement accepted Paid charge-off. 

These are three materially different outcomes and the furnisher can not have all three be true. I previously disputed the account, and the companies did not provide original account records, payment logs, charge-off reconciliation, or settlement documentation to verify the exact accurate status.

Because the reporting is inconsistent and unverifiable, I am requesting that the entire tradeline be deleted across all bureaus under FCRA 623 ( b ) ( 1 ) ( D ).

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 2025-10-27 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: NY

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
{$500.00} was applied to the principle on XX/XX/year>. I have called and chatted with Mr. Cooper multiple times to get that {$500.00} revesered and applied to unapplied to make the XX/XX/year> payment. I have told Mr. Cooper multiple times that I send {$500.00} on/around the XXXX of the month and again on the last day of the month to make the mortgage payment for the following month the payment I due.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act regarding the inaccurate and unverified collection account reported by XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX listed as original creditor and currently appearing on my Equifax credit file. 

Reporting Violations The current reporting is factually inaccurate and in violation of : 15 USC 1681e ( b ) Failure to assure maximum possible accuracy 15 USC 1681i ( a ) Failure to conduct a lawful reinvestigation 15 USC 1692e ( 8 ) Communicating false credit information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: NC

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX , Account Name : XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: PR

Complaint narrative:
After reviewing my credit report, I noticed that two accounts are being reported inaccurately and without proper verification. The first account, a vehicle loan from XXXX XXXX, is showing multiple late payments, including 60-, 90-, and 120-day delinquencies, even though the account has been closed since XXXX. The lender has failed to provide documentation verifying these late payments, such as billing statements, payment records, or written notices of delinquency. Continuing to report these delinquencies after the accounts closure is misleading and suggests re-aging of the account, which violates the Fair Credit Reporting Act ( FCRA ). The second account, a mortgage loan from XXXX XXXX XXXX, is being reported with continuous late payments throughout XXXX and XXXX. The creditor has not provided any supporting documentation or lawful validation proving these missed payments occurred. These repeated reporting inconsistencies are inaccurate and have caused significant harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: MD

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report, which has not been corrected despite my previous attempts to resolve these issues. The continued inaccuracy of my credit report is negatively impacting my credit score and overall financial health.

I am aware that TransUnion has been cited for illegal practices in the handling of credit reporting and consumer disputes, including failure to properly investigate disputes and reporting inaccurate or unverifiable information. I am concerned that my own credit report reflects these same illegal practices, as my disputes have not been resolved in compliance with the Fair Credit Reporting Act ( FCRA ).

I have submitted previous disputes to address these errors, but they have not been corrected. Under the FCRA, you are required to conduct a reasonable investigation of all disputes and correct any inaccurate information. The continued presence of these errors on my credit report indicates a failure to comply with the law and has caused significant harm to my creditworthiness.

I respectfully request that you : Immediately investigate these disputed items. As per the FCRA, you are obligated to conduct a full investigation and resolve any inaccuracies within 30 days.

Provide a resolution or update. Please inform me of your findings and the actions taken regarding the disputed items.

Remove any unverifiable or inaccurate information. If you are unable to verify the disputed information, I request that you promptly remove it from my credit report.

Additionally, I request that you send me a written confirmation once these issues have been corrected, along with an updated copy of my credit report reflecting the changes.

I trust that you will address this matter in a timely and lawful manner. Thank you for your attention to this issue. I look forward to your prompt response.

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 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I affirm that the false late payment entries on my accounts violate 15 USC 1666. I have consistently made my payments on time, and any inaccuracies in this reporting are both unfair and unlawful.

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 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
I have disputed this company several times, and each year its removed and the company adds it back on my report with a different delinquent start date. This should be illegal that they continue to add a 32 year debt to my credit report especially with no validation. My credit is impacted but what is repercussions for this company to add this to my report every year for the last 4 years!!!

Company response to consumer: Closed with explanation