vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
I purchased a truck from XXXX XXXX on XX/XX/year> for {$26000.00} ( {$11000.00} XXXX {$5500.00} trade in value+ {$8300.00} financed by XXXX XXXX XXXX XXXX The truck broke down on XX/XX/year>. XXXX XXXX began major engine repairs on truck from XXXX. I spoke with XXXX to let them know the situation with the truck and they requested a diagnostic report dated within XXXX  days. The dealership already had the truck and would not give me a diagnostic report. I let Westlake know that the dealership refused to give me a diagnosis report. Westlake stated that I still need to make the payments on the truck and to get a diagnostic report. The truck not working has put me in a financial hardship. I requested for them to put my second payment in the back of my loan, thinking I was getting a fixed, working truck back. I provided Westlake with the vehicle repair report, which the dealership didn't want to give me also. Westlake still requested a diagnostic report. Currently right now the dealership still has the truck for repairs. Westlake has added late charges and are threatening to repo the truck. I have not been able to drive the truck for more than a week in the whole XXXX months of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I returned the item using the prepaid shipping label provided by XXXX. XXXX tracking confirms the package was accepted and delivered. XXXX  claim that the box was received empty is inaccurate. 

I shipped the item securely and in good faith and no longer have it in my possession. Any loss occurred after the package left my control. 

I contacted XXXX, Affirm and the shipping XXXX and the drop-off location. XXXX records show the package weight at drop-off matches the weight when XXXX originally shipped the item. In addition, the drop-off location provided video footage showing me entering the store, creating the shipping label, and leaving after the package was accepted. 

Despite proof of delivery, matching weight data, and video evidence, Affirm continues to hold me responsible without providing carrier weight scans, delivery documentation, or intake evidence supporting the denial of my dispute. 

I request that Affirm either provide the evidence relied upon to deny my dispute or reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was looking to buy a car and pulled my credit report and realized all the inaccurate and negative reporting across XXXX separate agencies that I never consented to share my information or obtain it. According to 15 USC 1681, I am not to have damaging information on my report and it is a defamation of my character.

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 2025-12-16 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts XXXX  referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my XXXX under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Subject : Incorrect Date of Birth Request for Immediate Correction I am writing to formally dispute inaccurate personal identifying information on my credit file under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

My credit report incorrectly lists my date of birth as XX/XX/XXXX. This information is inaccurate and does not belong to me. 

My correct date of birth is XX/XX/XXXX. 

Please delete the incorrect date of birth and update my credit file to reflect my correct date of birth. If this inaccurate information was supplied by a data furnisher, please conduct a reasonable reinvestigation and verify the accuracy as required by law. 

I am enclosing copies of government-issued identification verifying my correct date of birth. 

Please send me written confirmation once this correction has been completed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( last XXXX of XXXX ) XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 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: MI

Complaint narrative:
Subject : Incorrect Date of Birth Request for Immediate Correction I am writing to formally dispute inaccurate personal identifying information on my credit file under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

My credit report incorrectly lists my date of birth as XX/XX/XXXX. This information is inaccurate and does not belong to me. 

My correct date of birth is XX/XX/XXXX. 

Please delete the incorrect date of birth and update my credit file to reflect my correct date of birth. If this inaccurate information was supplied by a data furnisher, please conduct a reasonable reinvestigation and verify the accuracy as required by law. 

I am enclosing copies of government-issued identification verifying my correct date of birth. 

Please send me written confirmation once this correction has been completed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( last XXXX of XXXX ) XX/XX/XXXXXXXX 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 2025-12-16 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents XXXX  submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
I am a victim of XXXX XXXX and all my information should be deleted immediately.

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 2025-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: NM

Complaint narrative:
On XX/XX/year>, I authorized a bill pay payment of {$620.00} to XXXX XXXX. The funds were deducted from my account and cleared. 

I have repeatedly requested formal proof of settlement or a completed payment trace from US bank, as XXXX XXXX  states they have not received this payment or information provided to them. 

Every time I call I get the run around that XXXX doesn't handle this or US bank doesn't handle this. 

This dispute has been going on for XXXX months now.

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 2025-12-15 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: Possible Financial Inc
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of XXXX  law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FULTON FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am submitting this complaint regarding my Fulton Bank account, which was closed due to fraudulent activity that was not conducted or authorized by me. 

The transactions in question were the result of identity theft. I was not the individual captured on the ATM camera during the disputed transactions, and the signature on the check associated with this activity does not match my signature. These facts clearly confirm that the activity was not mine. 

Upon discovering the fraud, I immediately filed a police report to formally document the unauthorized use of my identity and banking information. Despite this evidence, my account was closed instead of the matter being properly investigated and resolved. 

I am requesting that Fulton Bank conduct a full review of this case, acknowledge the fraudulent activity, and correct any records or reporting related to this account so that I am not unfairly penalized as a victim of fraud. 

This complaint is being submitted to ensure compliance with applicable consumer protection and banking regulations.

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 2025-12-16 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-12-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have a branch card through my employer that lets me get daily pay after i work my shifts. Last week they closed the account said terms of agreement will not give me a reason as to why. Thats how i pay my bills before payday

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 2025-12-16 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: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: SC

Complaint narrative:
My chime account was hacked and my email, and phone number was changed and I couldnt access my account. I had to contact chime to change the information back in which I was able to access my account. A total of {$300.00} was transferred to a XXXX XXXX when this happened and chime has denied my dispute XXXX different times. Im looking to take things to the next level because that is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
My auto lender, Regional Acceptance Corporation, offered and approved a payment extension for the months of XX/XX/XXXX and XX/XX/XXXX, with my next payment due XX/XX/XXXX due to me having {$900.00} stolen, and being low on funds to fulfill my payment. I signed the extension form as instructed by their representative. Due to their internal error, the representative failed to submit the extension form and instructed me to sign in the wrong location. Prior to me being told the extension was never submitted, I spoke with a representative after they withdrew my funds of {$790.00} and I offered to submit the form for their review, to which she responded that she had access to the document, so their statements were inconsistent. I was able to confirm with the initial representative that she did in fact receive the signed document, so no submission of the document was an internal error. They also mentioned that my signature on the form was invalid due to the co-borrower not signing also- but the initial representative I spoke with instructed me to sign as co-borrower and that the other borrowers signature is unnecessary. The company is attempting to withhold my funds and shift blame to me regarding the error. They stated that because I had autopay set up and the extension did not process, that this is not an error, however, I never had autopay set up for my account. The representative who I spoke to regarding my payment set up autopay for XX/XX/XXXX prior to offering me an extension. To my knowledge the autopay was removed because she confirmed my next due date was not until XX/XX/XXXX, but it was never removed. They also attempted to confuse me by saying my extension was not for XX/XX/XXXX and XX/XX/XXXX, but for XX/XX/XXXX and XX/XX/XXXX, which is incorrect based on the extension document they sent me which has the dates of the extensions listed as well as my next due date. They proceeded to withdraw funds on XX/XX/XXXX from my account, causing overdraft fees. I was previously told by a representative by the name of XXXX XXXX, that the refund request was approved by management, so long as the payment has posted to my account and no longer pending, but now that it has posted the lender is now reversing course and refusing to process the refund based on their own administrative error. I have attempted to resolve this with the company several times, and I am getting inconsistencies. I am requesting an immediate refund of the withdrawn payment, and confirmation of my extension in writing.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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