vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: TN

Complaint narrative:
Western funding said supposedly only XXXX payments made XXXX  said all payments made an western funding never submitted XXXX payment to bank an sent a repo man to get car XXXX XXXX sent letter stating they are selling car at private auction on XXXX. When son spoke to western funding they told him they received all the payments but could not explain why car repo an why we have to pay for illegal repo

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am submitting this formal complaint regarding serious violations of the Fair Credit Reporting Act ( FCRA ) committed by Regional Acceptance Corporation and the credit reporting agencies XXXX  and XXXX. 

On or about XX/XX/year>, the charge-off account reported by Regional Acceptance Corporation was removed from both my XXXX  and XXXX  credit reports following a dispute I filed with your agency. This removal was appropriate, as the account contained inaccurate, outdated, and unverifiable information. 

However, on or about XX/XX/year>, that same account was reinserted onto my XXXX  credit file and potentially reported again to XXXX  without any written notice within the required five business days, as required under FCRA 611 ( a ) ( 5 ) ( B ). The reinsertion occurred with modified account details and without any documentation or explanation of verification. I never received any notification from either credit bureau informing me of the reinsertion, which is a direct violation of federal law. 

This conduct constitutes multiple violations of the FCRA, including but not limited to : FCRA 611 ( a ) ( 5 ) ( B ) : Failure to notify the consumer within 5 business days of reinsertion and to reverify the accuracy of deleted information before re-reporting.

FCRA 611 ( a ) ( 7 ) : Failure to provide the met
hod of verification upon reinsertion.

FCRA 623 ( a ) ( 3 ) : Failure by Regional Acceptance to report the account as in dispute while under investigation.

FCRA 623 ( a ) ( 1 ) : Reporting information known or reasonably believed to be inaccurate.

Additionally, the furnishers decision to update and re-report altered data after the accounts deletion raises serious concerns of re-aging and material misrepresentation, which misleads lenders and artificially extends the reporting period a deceptive and unlawful practice. 

These actions have directly harmed my credit profile and caused a significant decline in my credit score. They demonstrate willful non-compliance with federal law and a reckless disregard for consumer rights.

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 2025-10-09 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: NC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-09 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: NC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: IL

Complaint narrative:
To Whom It May Concern, Im writing to dispute some late payments showing on my XXXX  XXXX account ( Account # XXXX ) in my credit report. I recently reviewed my reports from all three bureaus, and I noticed that this account still shows several late payments, even though the account is now current and the dispute with the lender was resolved. 

XXXX XXXX has already reported the account as current and marked as dispute resolved by grantor/subscriber. Theres no past due balance, and everything is up to date. However, the old late payment marks ( 30, 60, 90, and 120 days ) are still being shown and thats not accurate anymore.

These lates are clearly outdated and misleading since the issue was settled and the account is in good standing. Im asking that you please take another look, verify this information with XXXX XXXX, and remove those late payment entries from my report so it accurately reflects my current status. 

Id appreciate written confirmation once the corrections are made. 
Thank you for taking the time to look into this and for helping ensure my report stays accurate and fair. 

Sincerely, 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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
Specifically, I was not notified that the loan was in default, nor was I given notice of the car 's subsequent sale, in violation of Michigan law, MCL 445.272. 
FTC regulation CFR 444.3 The car was not entered into the borrowers bankruptcy until XX/XX/XXXX. The loan was charged off in XXXX. 
This fact alone proves the you did not follow lawful procedures, by providing me proper notification. You violated my rights, and did not allow me any knowledge of the default or sale of the vehicle. 

This law requires that before reporting adverse information about a cosigner, the lender must send a notice via first-class mail and allow at least 30 days for a response. Your company failed to meet this requirement. Causing me the cosigner to not be able to bring this loan current, or make satisfactory arrangements. 

Furthermore, my understanding of FTC regulations also dictates that proper adverse action and default notices must be provided. 

As a cosigner, I was not given the opportunity to cure the default or make payment arrangements before adverse information was reported, which directly impacted my credit rating.

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 2025-10-09 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: GA

Complaint narrative:
Dear Experian 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing the inaccurate personal information currently appearing on my credit file. Specifically, I have never legally gone by the listed aliases, nor do I currently or previously reside at the reported addresses. 

The inclusion of these erroneous names and addresses violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information they report. This misinformation creates a significant risk of identity confusion and negatively impacts my ability to obtain credit under fair and accurate conditions.

The presence of these inaccurate entries also raises concerns regarding data mishandling, particularly in the wake of recent national data breaches. Despite prior attempts to correct this information, the inaccurate aliases and addresses remain on my file, even though they have no connection to me.

I am requesting immediate removal of these erroneous aliases and addresses. If the credit reporting agency believes this information is valid, I demand sufficient legal documentation directly linking me to these names and addresses. Otherwise, they must be deleted from my credit report without delay. 

Finally, I request written confirmation once the correction has been made, along with an updated copy of my credit report reflecting the accurate information.

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 2025-10-09 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-09 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: SC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have noticed late payment entries on my credit report that I believe are incorrect. As outlined in 15 USC 1681e ( b ) and 15 USC 1681i, my report must only include information that is accurate, complete, and verifiable. I am requesting verification of these entries, and if they can not be confirmed, they should be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: MD

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: MO

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-09 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: MO

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: IL

Complaint narrative:
Upon reviewing my credit report, I discovered a fraudulent account, unauthorized inquiries, and incorrect address and employer information I demand their immediate removal, as I did not authorize or initiate any of them.

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 2025-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: TX

Complaint narrative:
Ive been a Discover credit card customer and have been making consistent payments, including while enrolled in their hardship program. Even after paying on time and completing the program, my balance barely goes down because the majority of my payments go toward interest instead of the principal. 

I pay around {$100.00} every month, but only about {$15.00} actually reduces my balance. This has been extremely frustrating and feels unfair, especially considering Im living paycheck to paycheck. I joined Discovers hardship program specifically to get relief from the high interest, but once it ended, my balance barely changed, and Discover refuses to offer any further help or flexibility. 

When I reached out through chat and customer service, every representative gave me the same scripted answers. They acknowledged my frustration but said there are no programs available and nothing they can do. I was told I can not rejoin a hardship program for another year and that no further options are available, even though my financial hardship continues. 

I feel trapped, Ive already paid hundreds of dollars in interest, and Discover hasnt provided any real assistance or fair resolution. The situation feels predatory, as they are profiting from my financial hardship rather than helping me manage it responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: PA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$0.00} INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: MA

Complaint narrative:
On XX/XX/XXXX, I deposited {$5000.00} via ACH from my bank account. On XX/XX/XXXX, I transferred an additional {$38000.00} from another account, totaling {$43000.00}. I converted this amount into {$41000.00} XXXX and submitted a withdrawal request to transfer the full amount to my approved external wallet. 
XXXX denied the withdrawal without providing any explanation. 
I contacted XXXX XXXX and opened ticket # XXXX on XX/XX/XXXX, submitting all requested documentation. Since then, I have received no meaningful response. The platform displayed a vague error message indicating the withdrawal failed and suggested trying a different method. 
Following that guidance, I converted my XXXX into USDincurring significant trading feesand attempted the withdrawal again. It failed with the same error. I then tried withdrawing using XXXX and XXXX, but all attempts were unsuccessful. 
On XX/XX/XXXX, I submitted a second support request ( ticket # XXXX ) and uploaded all required documents via the website ( ID # XXXX ). Despite multiple follow-ups, I received no substantive response. On XX/XX/XXXX, I received a generic message stating that my case would be reviewed, but no further action has been taken. 
Additionally, I called the support number provided in XXXX email ( XXXX ), which only played a recorded message. This contradicts their claim of 24/7 live support.

The lack of transparency, repeated withdrawal failures, and absence of timely customer support are unacceptable. I am requesting immediate resolution of this issue, including : Processing my withdrawal to the approved destination Reimbursement of any fees incurred due to failed transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Account XXXX  XXXX XXXX Dear Experian Dispute Department, I am writing to dispute an inaccurate account listed on my Experian credit report. The account reported by XXXX XXXX XXXX ( XXXX ) is being reported in error and should be investigated in accordance with the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ). 

Details of the Account in Question : Creditor Name : XXXX XXXX XXXX  Account Opened : XX/XX/year> Balance : {$960.00} Reason for Dispute : I do not recognize this account and have no knowledge of any such debt. 
XXXX XXXX XXXX has not provided valid proof that I owe this debt. 
I did not give authorization for my personal information to be sold or shared with third-party companies.

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 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MO

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-10-09 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: CBC Companies, Inc.
State: SC

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 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 2025-10-09 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: LA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-09 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: IL

Complaint narrative:
Dear Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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