vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-09-03 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:
The following addresses on my credit report XXXX XXXX XXXX XXXX XXXX, TX XXXX and XXXX XXXX XXXX XXXX XXXX, TX XXXX I do not recognize please remove 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 explanation
Consumer complaint received 2025-09-03 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: MD

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

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 2025-09-03 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I tried to get a personal loan and was denied due to having 14 hard inquires that i was not aware of. I tried calling to have them taken off and they all denied me including transunion. XXXX XXXX told me to call the all the bank to have them send info to them so they cant dispute it but all won't give me that info. I was trying to get a auto loan at the time which was XX/XX/XXXX and XX/XX/year>. That's why there were so many credit checks but I told the 2 dealerships only to look up 2 and they looked up 14 and I cant get them off my record so that I can get my personal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Time Investment Company, Inc.
State: CA

Complaint narrative:
Time Invest is my creditor for a water filtration system I purchased via loan. I got behind on my payments, so I called them to make arrangements to bring my account to current. Yesterday, the person who assisted me verbally agreed to take the payment out in two increments to start this Friday ( XX/XX/year> ) and the other payment to be scheduled for the following Friday ( XX/XX/year> ). Today ( XX/XX/year> ) that person scheduled the payment to be pulled from.my account purposely after coming to an agreement with me. This is the second time they have done this to me. They record the conversations so they can not play dumb.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX  Mi,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Debt Consolidation and Repayment Proposal\n\nDear Credit Acceptance XXXX XXXX XXXX am writing regarding the debts currently associated with my name and account(s). I recognize my responsibility to address these obligations, but due to financial hardship, I am unable to maintain multiple payments at varying rates and terms. To ensure fair repayment while avoiding further financial strain, I am proposing a consolidated repayment arrangement.\n\nThis request is made pursuant to my rights under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692 et seq., which protects consumers from unfair and abusive collection practices, and the Truth in Lending Act (TILA), 15 U.S.C. 1601 et seq., which promotes transparency in lending and repayment terms.'

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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNVFUNDG AND XXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research LVNVFUNDG AND XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My first auto loan payment to Westlake Financial was due on XX/XX/year>. I made the payment on XX/XX/year>, 19 days late. After that payment, the account was current with auto-pay scheduled for future payments. 

Despite this, Westlake told me my account was pending review because of a complaint, and my vehicle was withheld on the dealer 's lot as if it could be resold. I have not received any written confirmation from Westlake authorizing this or explaining why my account is flagged.

I contacted customer service multiple times but was kept at that level and denied access to Compliance or Legal. I requested written confirmation that Westlake is the loan holder, that my account is current, that no repossession order is active, and that no adverse credit reporting would occur. None of this information has been provided.

I also sent written notices by email and certified mail, but Westlake has not responded.

This feels like unfair and deceptive loan servicing. I am asking CFPB to require Westlake to return my vehicle, confirm my account as current, prevent improper repossession or credit reporting, and provide clear written responses in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
b"My daughter bought (which I am the Co-signed for) a vehicle and was financed through Santander Consumer USA. The vehicle a XXXX XXXX XXXX was totaled in XXXX I received a letter on XXXX stating that they (the lender) have been contacted by the insurance company and will handle ALL correspondence with the insurance companies. As of today\XXXX the GAP insurance company ,or myself has yet to receive the documents that we need to close this out.\nI have, however, received bills and bad credit reports. I called Santander today XXXX and spoke to manager ID XXXX XXXX to find out why no one has received these documents and he stated they were sent out on XXXX I stated that they were not, because no one has received anything and he proceeded to laugh at me. I told him I DID NOT appreciate the disrespect and from a manager no less and he laughed again. I told I'm I will be reporting them and to send the documents again, and he replied that he does not do demands. I replied I don't do disrespect\nand here we are.\nAfter that very infuriating phone call I called the GAP insurance company to see if they missed any emails or documents from Santander. I spoke with XXXX at the GAP insurance and he checked the emails dating back to March and confirmed no documents had been sent.\nI have had a loan through Santander and it was paid in full. I worked hard for my good credit. I do not appreciate the disrespect and the lack of professionalism that has happened. Had the documents been sent to the appropriate people in a timely manner, they would have had the loan paid in full, My daughters and l's credit wouldn't have been ruined and no complaints would have been filed. I feel that Fraud is being committed by Santander by way of trying to get more money from my daughter XXXX XXXX  ) and myself XXXX XXXX  in addition to what the GAP insurance is going to pay out.\nThe Santander number I called was XXXX XXXX XXXXShelter agent in charge XXXX XXXX XXXX XXXX XXXXGAP insurance agent XXXX XXXX XXXX XXXX XXXX she was unavailable at the moment so IXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Future Judgement Solutions
State: TX

Complaint narrative:
Judgement Solutions called me about a credit card with XXXX XXXX  that was initiated in XXXX and closed out or discharged in XXXX. I looked the bank up and can't find any XXXX Bank in Texas. Their phone number is in Wyoming, XXXX. They stated that they could not give me any information in writing and that I would be served papers on XX/XX/XXXX that would explain when and where I am to report for court. They wanted me to mediate the charge, XXXX to a lower amount of XXXX ... with a down payment due today. I refused. They didn't provide any information about the card etc. They stated they had sent me information in the mail... they haven't and that I talked to them a few weeks ago ( not Judgement Solutions. I am pretty sure that this is a scam since no one has ever brought me documents to my doorstep.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-03 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-03 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 am disputing the accuracy of late payment entries that currently appear on my credit report based on my XXXX XXXX XXXX XXXX XXXX and account history. More than XXXX  days ago, I initiated formal validation requests with the reporting creditors to verify the legitimacy of these disputed late payments, but have received no response or documentation to substantiate their claims. The creditors ' failure to provide proper validation within the legally prescribed timeframe raises substantial questions about the accuracy of this negative information and their ability to verify these reported delinquencies. This lack of response suggests these late payment entries XXXX be inaccurate or improperly documented.

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 2025-09-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Subject : Complaint Against PNC Bank Unauthorized Access and Mishandling of Safe Deposit Box XXXX XXXXXXXX Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Institution : PNC Bank, XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX ) Nature of Complaint : On XX/XX/year>, PNC Bank admitted that our safe deposit box ( XXXX XXXXXXXX ) was accessed due to a mechanical failure of the locking mechanism. Unauthorized access and a forced inventory review were conducted without independent oversight or our consent. 

Key issues include : PNC admitted a mechanical defect but continues to deny liability beyond repair of one damaged jewelry item.

We have repeatedly requested surveillance video and internal documentation. Video was only shown months later ( XX/XX/year> ), and it revealed inconsistencies and procedural lapses not acknowledged by PNC. Internal reports have been withheld unless compelled by subpoena. 

PNC refuses to compensate for broader harm : emotional distress, breach of fiduciary duty, irretrievable uncertainty about missing items, and reputational harm. 

PNC has rejected our demand for interim settlement, instead insisting on a single full and final resolution, despite valuation of the damaged jewelry being dependent on an appraisal in XXXX. 

Their latest letter ( XX/XX/year> ) denies fiduciary responsibility, mischaracterizes Michigan law, and explicitly refuses to acknowledge our right to pursue future claims. 

Applicable Law and Standards : UCC 7-204 : Imposes a duty of care on bailees to safeguard customer property.

Consumer Financial Protection obligations : As a national bank, PNC has a duty to treat customers fairly and transparently.

Relief Requested : Independent regulatory investigation into PNCs safe deposit box procedures and mechanical failures.

Compelled disclosure of internal documentation and video surveillance.

Compensation not limited to physical repair costs, but reflecting : Potential unverified losses Emotional distress and loss of trust Costs of overseas appraisal Assurance of corrective measures across PNCs branches to prevent recurrence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$260.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXXXX/XX/XXXX, Balance : {$2000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief