vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
My husband and I initiated a same day wire transfer from our XXXX XXXX XXXX Account on XX/XX/year> for {$250000.00} to our XXXX XXXX XXXX account. XXXX promised our wire would be same day. We wired the funds because we were supposed to close on our home on XX/XX/year>. The funds have left our XXXX account and have not been deposited into our XXXX account. The wire has been posted from XXXX and our account shows the withdrawal occurred and our account balance reflects that. XXXX can see that the wire is pending but says it is being held up by an intermediary bank, PNC. Both XXXX and XXXX have reached out to PNC on our behalf to have them release the funds with XXXX response. We are now delayed on our house closing. We have been on the phone with XXXX, PNC, and XXXX for over XXXX hours trying to solve the issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I contacted ProCollect and notified them that the account they are trying to collect a debt on was filed in my XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, discharged XX/XX/XXXX ( signed by judge ) They ask me to send discharge papers, I did. Then they called me and said they received my paperwork and they will solve the issue. The account was removed from my XXXX  after that. Then on XX/XX/XXXX the account appeared back on my XXXX. Upon reviewing the dispute form, they submitted a date of first delinquency XX/XX/XXXX ( they didnt even have my account then, there wasnt a debt owed then. They reported a date assigned XX/XX/XXXX .. my bankruptcy was filed XX/XX/XXXX. That account was sold to them from XXXX XXXX XXXXXXXX after that. After the courts had notified all credit that the debts was being filed in a XXXX XXXX XXXX. The first contact I spoke with XXXX XXXX ( whom asked me to email discharge letter with case number to XXXX, and today XX/XX/XXXX I tried to speak to a manager and was instructed that I can ONLY speak to XXXX regarding this account, I asked to speak to him and was told he can only be reached by email at XXXX and I have emailed him.

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 2025-07-25 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: SC

Complaint narrative:
Hi I want to formally file a complaint against Westlake Financial regarding unfair practices and lack of communication regarding my file. I would like to request the record of my conversation that day. 

I requested to pay off my car loan via phone on XX/XX/year>. The representative provided me with a payoff amount that matched the amount I received using the Westlake payoff tool on the same day. I have attached the payoff letter I received on XX/XX/XXXX as proof of the amount I was told to pay. 

I called because the app was no longer allowing me to make payments since my payments were ahead and no payment was due. I was also informed that my title would arrive in the mail within a few weeks. 

On XX/XX/year>, I emailed requesting an update on the status of my title but received no response. I called again on XX/XX/year>, and was unexpectedly informed that I had a remaining balance. I was not made aware of this balance beforehand, as I had deleted the app. The representative on the call said a manager would call me back within 48 hours, but I did not receive any call. I called again on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX EST and was told I had to wait another 48 hours for a response. 

My main concern is that I paid the payoff amount I was given, and my payments were ahead, yet I am being told I owe a balance. I believe this situation is unfair and possibly fraudulent, as I was not properly informed of any remaining balance and was misled about the payoff process. 

Attachments : Payoff letter received on XX/XX/year> Request : I request a clear explanation of why I owe a balance despite paying the payoff amount, and I ask for this issue to be resolved promptly. I also want assurance that my credit report and records accurately reflect my payments and payoff. 

Thank you. 



Truly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I need to make it absolutely clear that this complaint is not a mistake. My credit report contains inaccuracies that fall short of the maximum possible accuracy required by law. These ongoing errors are taking a heavy toll on my well-being and continue to impact my life in deeply negative ways. These are difficult times, and correcting or removing these inaccuracies would be an immense help and a much-needed relief.

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 2025-07-25 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: MS

Complaint narrative:
I disputed this with the original creditor and the bureaus stating it was open led fraudulently. I received an approval that it would be removed from the credit bureaus however they kept it on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am the victim of identity theft and have spent months working to have fraudulent credit accounts removed from my credit file. On XX/XX/year>, I filed a police report for identity theft with the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ). I also filed an FTC Identity Theft Report ( Report # XXXX ) and submitted these, along with proof of identity and address, to Experian by certified mail and through the Experian online portal multiple times between XXXXXXXX XXXX XXXX XXXXXX/XX/year>. 

Despite providing all documentation required by the Fair Credit Reporting Act, including law enforcement reports and supporting statements, Experian has repeatedly denied or delayed my requests to block and remove fraudulent accountsincluding accounts reported bXXXX XXXX XXXX XXXX XXXX Merchants such as XXXX and XXXX have confirmed the transactions were not authorized by me and have refunded XXXX directly. XXXX continues to report the accounts as valid to Experian, and Experian refuses to remove or block them, even after receiving complete documentation. 

These fraudulent accounts are damaging my credit and preventing me from obtaining a XXXX XXXX, resulting in my XXXX XXXX XXXX XXXX XXXX. I have also filed complaints with the CFPB, the New York State Division of Consumer Protection, and am working with legal counsel. I request immediate intervention to ensure Experian fulfills its legal obligation to block and remove all fraudulent accounts and negative items related to this identity theft from my credit file.

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 2025-07-25 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: NV

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-07-25 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: NJ

Complaint narrative:
I made my XXXX payment for XXXX Credit Card account ending in XXXX on XX/XX/year> in the amount of {$150.00}. XXXX then reported a late payment with no payment being made in XXXX that my account is past due. Since then the full balance has been completely paid off. 

Please provide documentation showing a verified transaction that proves I was indeed late and this account is past due. If this can not be provided, I respectfully request that the late payment be removed from my credit file under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i and 1681s-2. Reporting inaccurate or unverifiable information is a violation of federal law.

Additionally, under 15 USC 1681b, a consumer reporting agency may only furnish a report in accordance with the written instructions of the consumer to whom it relates. I do not recall granting such permission regarding the inaccurate furnishing of this 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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I made my XXXX payment for XXXX Credit Card account ending in XXXX on XX/XX/year> in the amount of {$150.00}. XXXX then reported a late payment with no payment being made in XXXX that my account is past due. Since then the full balance has been completely paid off. 

Please provide documentation showing a verified transaction that proves I was indeed late and this account is past due. If this can not be provided, I respectfully request that the late payment be removed from my credit file under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i and 1681s-2. Reporting inaccurate or unverifiable information is a violation of federal law.

Additionally, under 15 USC 1681b, a consumer reporting agency may only furnish a report in accordance with the written instructions of the consumer to whom it relates. I do not recall granting such permission regarding the inaccurate furnishing of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: OH

Complaint narrative:
I do not have any public records on my report, and I kindly request, with urgency, that these inaccurate details be removed immediately. This is causing me XXXX, and I can not allow it to remain.

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 2025-07-25 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:
I recently got the latest copy of my report and noticed multiple fraudulent accounts that I am not familiar with and are damaging to 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-07-25 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: MA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-25 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:
Please delete this unauthorized account from my credit report, as it is not associated with me. I also request a prompt investigation to identify and correct any other errors.

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 2025-07-25 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:
I have no knowledge of these inquiries, and they seem to be both unauthorized and potentially fraudulent. I kindly request swift action to address this issue. Supporting documents are attached for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/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 non-monetary relief