vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: FL

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 non-monetary relief
Consumer complaint received 2025-09-04 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that i had fraudulent and wrong information on my report. Please remove these accounts and wrong information of late payments from my report, they are hurting my ability to obtain credit.

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 2025-09-04 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 explanation
Consumer complaint received 2025-09-04 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: OH

Complaint narrative:
b'The three main credit bureaus are reporting incorrect/inaccurate information, namely incomplete account 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 2025-09-04 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: OH

Complaint narrative:
b'The three main credit bureaus are reporting incorrect/inaccurate information, namely incomplete account information.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 explanation
Consumer complaint received 2025-09-04 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: BMO BANK NATIONAL ASSOCIATION
State: NE

Complaint narrative:
I have a credit card with bmo bank and had been in the hospital for over the first half of the year and hadnt been aware of my card use as I didnt have time to do so. After looking at my account I noticed several large transactions made on my card and tried to call bmo to file these and resolve the issue. They told me because the time that had passed I wouldnt be able to file a dispute or get this resolved with them. I then explained that I was unable to do it sooner due to me being in the hospital and they did not seem to care or help 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 monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
Your Name Your Address City, State, ZIP Code Date : [ Insert Date ] Debt Collectors Name Debt Collectors Address City, State, ZIP Code Re : Request for Debt Validation ( Account # ________ ) To Whom It May Concern, I am responding to your contact regarding the alleged debt referenced above. This letter is a request for validation of the debt, made pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Please provide the following : The name and address of the original creditor. 

The amount of the alleged debt, including an itemized accounting of all fees, interest, and charges. 

A copy of the agreement or contract bearing my signature that shows I agreed to assume this debt. 

Documentation that you are legally authorized to collect this debt on behalf of the original creditor. 

Until such documentation is provided, please cease all collection activity. Additionally, I request that you communicate with me only in writing regarding this matter.

Be advised that any attempt to report invalidated debt to credit reporting agencies may constitute a violation of the Fair Credit Reporting Act. 

Sincerely, [ Your Signature ] [ Your Printed Name ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Pursuant to USC 1681g, remove these unauthorized accounts not owned by me within 15 days.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-09-04 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: GA

Complaint narrative:
Since XXXX and XXXX, I have been disputing accounts reported on my TransUnion credit file that I do not recognize and believe are the result of identity theft. I provided an Identity Theft Report with my disputes, yet the accounts remain on my credit report with no corrections or deletions. This failure to act is in violation of my rights under the FCRA and continues to damage my credit.

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 2025-09-04 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: GA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Porsche Financial Services, Inc.
State: TX

Complaint narrative:
I financed a vehicle through Porsche Financial Services. The vehicle was repossessed in XX/XX/year>. Since then, I have repeatedly emailed and attempted to contact Porsche Financial for basic information about the vehicles status, timing of sale, and any deficiency balance. Despite multiple attempts, I have received no responses. 

It has now been more than XXXX months since repossession, and I still have not been told when the vehicle was sold, for how much, or provided any documentation of the sale process. I only discovered on my own that the vehicle was sold, yet Porsche Financial has failed to notify me or supply any records. 

On XX/XX/year>, I first learned through a credit monitoring service ( XXXX ) that Porsche was reporting a repossession tradeline and attempting to collect approximately {$98000.00}. This reporting dropped my credit score by more than XXXX points, caused denials of credit, and left me with substantially higher borrowing costs. Porsche has still not contacted me directly. 

I have already : Sent XXXX notarized, certified dispute letters to XXXX XXXX XXXX XXXX 
Sent a formal certified demand letter directly to Porsche requesting the required accounting and documentation.

Received no response from Porsche to date.

I have repeatedly reserved all of my rights in writing, yet Porsche Financial has ignored my communications and failed to provide the legally required pre-sale and post-sale notices or itemized accounting under XXXX XXXX XXXX XXXX XXXX and Finance Act and the Uniform Commercial Code. 

Because of Porsches lack of response and failure to provide documentation, I can not verify the accuracy or validity of the alleged deficiency. This prolonged silence and delay suggest the sale may not have been conducted in a commercially reasonable manner, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/year>, I woke up to a authorization code that was sent through text to me for sending money through XXXX. I immediately called Chase Bank to report that I did not request the code. Upon further investigation, Chase authorized a {$2000.00} payment through XXXX at XXXXXXXX XXXX. to XXXX XXXX, with an email of XXXX. I asked Chase to refund the money since I did not authorize that transfer and I did not know how the scammers would have entered the XXXX digit code provided. Chase did an investigation and I was told that the claim was denied. I then filed a police report and an IC 3 report. My husband contacted XXXX, and they said that this was not the first time someone has used their email in a scam. I also contacted XXXX XXXX and after they did their investigation determined that my account was hacked and so the code that was sent through text could have been intercepted. I provided all of this information to Chase, and they still denied my claim and will not return my {$2000.00}. I was told that I will need to sue Chase in order to get my money back. This is absurd! First, I have never sent XXXX at XXXX XXXX, the name XXXX XXXX upon further investigation is a professional soccer player, and the email address bounces back when you send an email, XXXX confirmed my account was hacked, I filed police reports, and IC3 reports, and finally, if you look at my XXXX history, I do not send such large amounts of money. Chase bank was hacked, XXXX was hacked and I'm left holding the bag. I have been a Chase customer for about 35 years, and recently opened my business account through their institution. If this is how they treat their customers, I think the public should be made aware and bank elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Klarna AB
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased items from XXXX using my Klarna virtual card ( {$200.00} + {$3.00} service fee = {$200.00} ). That same day, I made the first Klarna payment of {$53.00}, leaving a balance of {$150.00}. 
On XX/XX/XXXX, I returned {$160.00} worth of merchandise to XXXX. XXXX issued a refund to Klarna on XX/XX/XXXX. Instead of applying this refund to the XXXX order, Klarna incorrectly applied it to an old XXXX order from XX/XX/XXXX that was fully paid in XXXX. Then, on XX/XX/XXXX, Klarna deposited the {$160.00} into my bank account. 
As a result, Klarna continues to show that I owe {$150.00} on the XXXX order, even though between my {$53.00} payment and the {$160.00} refund, the account is actually overpaid by {$17.00}. 
Klarna admitted to me by phone on XX/XX/XXXX that the refund was mishandled, but they refuse to correct the XXXX balance and continue to demand payment. 
This is improper because refunds must be applied to the correct order. Klarnas error makes it appear that I owe money I do not owe, and it puts me at risk of collections or negative credit reporting.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-04 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: OH

Complaint narrative:
I am writing under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) to dispute inaccurate and fraudulent information appearing on my credit file. 

XXXX. Fraudulent XXXX XXXX Account XXXX account with XXXX XXXX in the amount of {$230.00} has been reported under my credit profile. This account was fraudulently opened and subsequently closed without my authorization. I have never applied for or opened this account. Pursuant to FCRA 609 ( e ) and 611, I demand that this fraudulent account be immediately deleted from my credit file. 

Please provide all documentation, applications, contracts, and signatures associated with this account. If XXXX can not provide legally admissible proof that I opened this account, you are required by law to remove it. 

XXXX. Unauthorized Hard Inquiries My credit report also reflects unauthorized hard inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I did not authorize these companies to access my credit file. Under FCRA 604 ( a ) ( 2 ) and 607 ( a ), consumer reporting agencies are prohibited from furnishing my credit report to third parties without a permissible purpose. Since no permissible purpose exists, these inquiries constitute a violation of my rights and must be deleted immediately. 

Legal Basis for My Dispute FCRA 611 ( 15 U.S.C. 1681i ) requires you to conduct a reasonable reinvestigation within 30 days of receiving this dispute. 

FCRA XXXX provides me the right to block fraudulent information resulting from identity theft. 

FCRA 609 ( e ) obligates you to provide documents related to the disputed account upon request.

Action Requested 1. Delete the fraudulent XXXX XXXX account in the amount of {$230.00}. 


2. Permanently remove the unauthorized inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 


3. Provide me with an updated credit report showing these corrections.

4. Provide copies of any documentation used in your reinvestigation.

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 2025-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NM

Complaint narrative:
Details : I am disputing the accuracy and fairness of a collection account being reported by Fair Collections & Outsourcing ( FCO ) for {$1200.00}, originally from XXXX XXXX XXXX. 
I have attempted multiple times to resolve this account directly with FCO, including offering to pay in full. However, they have refused to provide a pay-for-delete agreement or any assurance that the account will be removed from my credit reports once resolved. 
This collection account is severely harming my credit score, and I believe it is being reported in a way that is incomplete and unfair. I am requesting that the CFPB review this matter and that FCO either : 1. Provide written confirmation that the account will be deleted upon payment, OR 2. Remove the account entirely if they can not provide proper verification of its accuracy. 
My goal is to settle this account in good faith, but I need confirmation that my credit reports will be corrected as part of resolution. 
Relief Sought : - Deletion of the tradeline from Experian, Equifax, and TransUnion. 
- Written confirmation from FCO that they will honor this deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Company : Westlake Financial Services, LLC Product : Auto loan Account/Loan # : XXXX Vehicle : XXXXXX/XX/XXXX XXXX XXXX, VIN last XXXX : XXXX State : Texas I am reporting unlawful and deceptive repossession accounting by Westlake Financial . 
Westlake repossessed my vehicle on XX/XX/XXXX. Since that dateand despite Westlake having full possessionthe company has continued to keep my auto loan open, adding new late fees and additional/repossession fees. My understanding is the vehicle has already been sold and is currently sitting on a dealer lot in XXXX, XXXX  Yet Westlake still shows the loan as active and continues to accrue charges. 
I believe Westlake has inflated or misapplied repossession-related fees to reduce or eliminate the surplus/equity that should be returned to me after the sale. I sent a written demand for payment and an itemized accounting ( most recently on XX/XX/XXXX via certified mail ; proof attached ). Westlake has not provided an adequate response and my account status remains inaccurate, continuing to accrue fees post-repossession and post-sale. 
These practices appear to violate the Uniform Commercial Codes requirements for a commercially reasonable sale and accurate application of proceeds, my right to a surplus, and fair, non-misleading debt servicing. Continuing to treat the account as open after repossession and sale also risks inaccurate credit reporting and further financial harm. 
Requested Relief : 1. Provide a full, itemized accounting from the date of repossession forward, including : XXXX fees, sale date, sale location, purchaser ( or dealer ), sale price, and how proceeds were applied. 
2. Cease and reverse all charges, late fees, and repossession fees improperly posted after XX/XX/XXXX. 
3. Remit any surplus funds owed to me with a written calculation.

4. Correct all credit reporting to reflect the accurate status and remove any post-repossession late fees or derogatories that should not have been assessed.

5. Provide a written response to this complaint and my prior demand. 
I have a pending legal matter related to this repossession; please preserve all records and communicate in writing only. I authorize the CFPB to share this complaint and attachments with Westlake Financial.

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