vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
The account reported by XXXX  XXXX XXXX shows a {$460.00} balance and a note stating Account charged off. {$630.00} written off. {$460.00} past due as of XX/XX/XXXX. I dispute the accuracy and validity of this reporting. The record provides no evidence of how the charged-off or past-due amounts were determined or what specific value XXXX XXXX XXXX provided to support those figures. The account is described as a secured card with a {$500.00} limit opened XX/XX/XXXX and later closed, but no documentation demonstrates any transfer of funds or consideration that created an enforceable debt. I requested verification identifying the act, promise, or value XXXX XXXX XXXXXXXX claims to have conferred, but none was provided. Because the balance and charge-off are unsupported, I believe the reported information is inaccurate and should be corrected or deleted.

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 2025-11-07 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: FL

Complaint narrative:
The account reported by XXXX XXXX XXXXXXXX shows a {$460.00} balance and a note stating Account charged off. {$630.00} written off. {$460.00} past due as of XX/XX/XXXX. I dispute the accuracy and validity of this reporting. The record provides no evidence of how the charged-off or past-due amounts were determined or what specific value XXXX XXXX XXXX provided to support those figures. The account is described as a secured card with a {$500.00} limit opened XX/XX/XXXX and later closed, but no documentation demonstrates any transfer of funds or consideration that created an enforceable debt. I requested verification identifying the act, promise, or value XXXX XXXX XXXXXXXX claims to have conferred, but none was provided. Because the balance and charge-off are unsupported, I believe the reported information is inaccurate and should be corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
We qualified for a lower rate, but PenFed has repeatedly failed to provide the required paperwork despite multiple requests over the past month. We have called daily to obtain clear next steps and the necessary documents to resolve the issue ; however, the paperwork is never delivered by the end of the day as promised. 

As a result of these delays, our interest rate has now increased. We are fully qualified and willing to provide any necessary documentation, but XXXX negligence has caused financial harm and additional costs through no fault of our own.

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 2025-11-07 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: WA

Complaint narrative:
I entered a purchase agreement for a used truck from XXXX XXXX in XXXX, Arizona, the end of XX/XX/year>. I paid an initial {$2500.00} down payment and later sent an additional {$1000.00} on XX/XX/year>, after the dealership told me they were trying to resubmit financing with a co-signer. 

The original financing was through Westlake Financial, but the loan was canceled after I missed the first payment deadline. Westlake informed me that since the financing fell through, I would receive a refund of my prior loan payments ( {$1200.00} ) within 30 days. However, I later learned that Westlake sent that refund directly to XXXX XXXX without notifying me. 

I decided to rescind the purchase due to the truck developing serious mechanical issues shortly after I received it. I never signed a final contract and informed the dealer I would not move forward until the issues were addressed. Despite this, the dealership refused to coordinate a reasonable return or issue my refund. 

I still have possession of the truck in XXXX, Washington, and have made multiple offers to return it in exchange for verified refund payment. The dealership has not agreed to any verifiable method of refund or pickup. 

Westlake Financial has since told me they can not access information about the transaction since the account was canceled, leaving me without confirmation of how or why my refund was diverted to the dealership. 

I believe XXXX XXXX wrongfully retained both my down payment ( {$3500.00} total ) and the Westlake refund ( {$1200.00} ), even though the sale was never completed. I am requesting CFPB assistance to help recover these funds and to ensure the dealership does not falsely report this loan or vehicle as repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NJ

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 2025-11-07 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: AR

Complaint narrative:
This is a follow-up to a dispute filed under FCRA XXXX XXXX XXXX XXXX. XXXX ) regarding multiple inaccuracies on my credit report that continue to remain uncorrected. The discrepancies include inaccurate addresses, late-closed accounts, charge-offs, and collection accounts, which appear to have been reported erroneously, incompletely, or without proper verification. Specific items include addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$37000.00}, XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX a balance of {$1000.00}, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a balance of {$790.00}, and XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$210.00}. Despite submitting prior dispute requests, these inaccuracies have not been addressed, and my credit report continues to reflect information that is misleading and detrimental to my creditworthiness.

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 2025-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
The foreclosure proceedings against me by Lakeview Loan Servicing have been fraught with procedural irregularities and violations of my rights. Despite notifying the plaintiff and its affiliates of my rescission and revocation prior to the lawsuit, they ignored my communication and moved forward with foreclosure. The court closed my case but entered a default judgment without my knowledge, and hearings were conducted where the plaintiff did not appear and hearsay evidence was relied upon. I have asserted repeatedly that the court lacks jurisdiction and that my personal information has been improperly used and leaked, resulting in harassment. Additionally, the plaintiffs documentation, specifically the assignment and allonge, does not comply with legal requirements, casting doubt on the legitimacy of their claim. The final judgment was entered without proper consideration of my evidence and objections, and I believe the proceedings have been biased and procedurally improper.

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 2025-11-07 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:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

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 2025-11-07 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: AR

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this third-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

DEPTEDXXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint regarding American Express, which recently and unfairly reduced my credit limit. 

I am an American Express cardholder in good standing, with no missed or late payments. My account previously had a credit limit of {$12000.00} and a balance of approximately {$5700.00}. After making a necessary charge of about {$880.00} for a XXXX XXXXlegitimate and responsible use of my credit lineAmerican Express notified me that my account would be reviewed and then slashed my limit to {$6000.00} without adequate justification.

This sudden reduction has severely damaged my credit utilization ratio and credit score despite years of ontime payments and consistent account management. I have not exhibited any risky financial behavior that would warrant such an action.

These automatic reductions punish consumers for using available credit responsibly and have a serious negative effect on credit profiles. I request that the CFPB review this practice and require American Express to justify or reverse this action. This, too, appears to be a predatory algorithm disguised as risk management, which unfairly penalizes cardholders who use their available credit responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
b'Validation letter XXXX XXXX): No adequate response provided. AMEX \ncontinued collection calls during validation period (XXXX XXXX XXXX XXXX \nwithout providing debt verification.\n\nCessation letter XXXX XXXX): No response except continued collection \ncalls AFTER green card receipt:\n- XXXX XXXX XXXX XXXX  (AFTER Houston Legal green card)\n- XXXX XXXX XXXX XXXX  (AFTER Sandy Corporate green card)\n- XXXX XXXX XXXX XXXX (continuing violations)'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NJ

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  Balance : {$370.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: NJ

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  Balance : {$370.00}

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 2025-11-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SECURITY FINANCE CORP
State: GA

Complaint narrative:
I, XXXX XXXX, am disputing the accuracy and validity of a collection account being reported by Security Finance in the amount of {$670.00} on my XXXX XXXX XXXX credit reports. 

Upon reviewing my reports, I discovered that this negative account is listed as closed, yet continues to reflect derogatory information. I have no record, contract, or agreement with Security Finance and have never received any notice of debt or lawful validation supporting their claim. The company has failed to provide any original documentation or signed agreement as required by the Fair Credit Reporting Act ( FCRA ).

Under FCRA 609 ( a ) ( 1 ), 611 ( b ) ( 1 ), and 623 ( b ), Security Finance and the credit bureaus are required to verify the accuracy and legitimacy of the information they report. Despite my written disputes and requests for validation, the account remains on my file without any proof of its authenticity. 

I believe XXXX XXXX actions are misleading and deceptive, as they continue to report an unverified and potentially fraudulent account. Their failure to provide proper documentation or remove unverifiable data violates the FCRAs accuracy and consumer disclosure requirements. 

Additionally, I attempted to submit a complaint with the Federal Trade Commission ( FTC ) ; however, XXXX has been inaccessible due to the current government shutdown. As a result, I have filed this matter with my XXXX Attorney XXXX XXXX for formal review and enforcement action. 

A fair resolution would be : XXXX and permanent deletion of the Security Finance account from all credit reporting agencies. 

Written confirmation of the deletion or reinvestigation results within 30 days. 

XXXX that no further reporting or collection activity will occur unless verifiable, original documentation bearing my signature is produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: RELIABLE FINANCIAL SERVICES, INC.
State: OR

Complaint narrative:
My truck loan had {$6600.00} left, I tried to get in touch with the bank to finish making payments. I've tried since XXXX. The loan is now under a charge off, so I need this removed from my credit as a negative account. The company that is listed as loan holders has been the company since I purchased the truck. But like I said I have tried to get the loan taken care of for 3 years with no contact back from them. No letters, phone and email about how I can take care of the remaining balance. So I would like this removed due to the company charging it off but not removing it from my credit report which is damaging my credit score.

Company response to consumer: Untimely response