vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: GA

Complaint narrative:
I sent out disputes on XX/XX/year>. I also sent them out again on XX/XX/year>. However, these are the most current. For some reason, my information is misreported and misidentifies me as a consumer. My information has been identified on dark web sites, and I have been notified on several accounts that I have several accounts for cable and phone services in my name. I sent copies of my license and social security card. Yet, no changes were made to reflect my accurate information. I was told that I was believed not to be a real person. I am pursuing civil damages as this misinformation is hindering me from gaining shelter for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
XXXX XXXX- fraudulent XXXX-Fradulent XXXX Fraudulent XXXX XXXX- Fraudulent XXXX XXXX- fraud XXXX XXXX-Fraud XXXX XXXX fraud XXXX XXXXfraud XXXX XXXX - fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights 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 explanation
Consumer complaint received 2025-04-21 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: AR

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: LA

Complaint narrative:
Summary of Events : On XX/XX/XXXX, my vehicle was stolen from in front of my home I immediately filed a police report with the XXXX XXXX Police Department and submitted a claim through my insurer, XXXX XXXX. My loan payments with Westlake were current at that time and remained so during this entire process. My car was found the following day in XXXX XXXX XXXX and towed to XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. After working with my XXXX Representative, XXXX. 

XXXX approved the insurance claim and made a payment to the auto body repair shop on XX/XX/XXXX. However, Westlake Financial intervened, placing a repo notice onto my vehicle. They stated the reason was because they wanted XXXX to send me a check to endorse and send it back to Westlake. However, payment was already made. This caused delays in the repair process and created confusion over how the claim funds should be distributed. 

On XX/XX/XXXX, I called Westlake to discuss the repo notice on my account and was told by a representative that the notice would be removed within XXXXXXXX XXXX I was not informed of any ongoing risk of repossession. That day, I was also in communication with my XXXX XXXX agent and Auto Body shop. 

Despite this verbal assurance, my vehicle was repossessed the following week, without any new notice and without any opportunity to resolve the issue. Westlake is now demanding over {$4000.00} for me to retrieve my vehicle in addition to my normal monthly finance payments. 

Major Concerns : Wrongful Repossession My loan was current, and no written or verbal notification of default was provided. I was assured the repo notice would be lifted. I requested the audio or transcript of the XX/XX/XXXX call and have not received anything yet. 

No Court Order I was never provided with a court order authorizing the repossession of my vehicle, nor was I informed of any legal proceedings. 

Failure to Provide Loan Documents When I requested a copy of my Retail Installment Contract ( XXXX ) to review the repossession clause, Westlake only provided the Enterprise vehicle purchase contractnot the actual loan or finance agreement with them. 

Insurance Interference Westlakes actions delayed and complicated my claim with XXXX by refusing to allow direct payment to the repair shop. 

Excessive Fees Now, they are demanding more than {$4000.00} for me to get my car back, despite my compliance throughout this entire situation. 

I would appreciate any support or intervention your office can provide. I am happy to share supporting documentation, personal audio recordings, timelines, or correspondence if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Scott Fetzer Financial Group Inc.
State: FL

Complaint narrative:
I do not owe anything to United Consumer Financial Services and I want the debt expunged from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
The vehicle has had many problems since before 60k miles. The vehicle has been taken many times. Mercedes of West Covina refused to properly manage vehicle even after Mercedes Benz USA spoke to service writer of West Covina dealership. The service manager offered a false statement and was caught ilying by Mercedes Benz USA rep and quickly ended call. The second issue was I requested original paper work where I had opted for additional vehicle warranty. No paper work was provided. At this time I was informed that they couldnt show previous paper work for maintenance because Mercedes West Covina had a data breach where my personal information has been compromised. The dealership did not advice any clients. Another service manager provided this info as they werent allowed to print any paper work but just speak info to clients.

The service manager told Mercedes Benz USA I refused services which I did not. Also I purchased said vehicle at XXXX pm almost midnight. The computers shut down. The finance manager did all paperwork work the next day and falsely signed in my shed as well as ran my credit card without me present as well as left of the extra vehicle coverage for any mishaps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: MI

Complaint narrative:
I am a victim of identity theft and I am being contacted by MRS BPO LLC. My personal information was compromised due to a system breach, resulting in an account being opened without my knowledge or consent. I did not authorize this account and request a thorough investigation. I have disputed this account requesting validation of this debt and information on how the account was verified through both the debt collector and ( XXXX XXXX  ) I have not received any further assistance or information regarding this issue. I am requesting a full investigation, XXXX. The identity of the individual ( s ) or department ( s ) who performed the investigation. XXXX. The parties contacted during the investigation, including creditors, collection agencies, and third parties. XXXX. Dates and times of all communications made during the investigation process. XXXX. Documentation and evidence provided by the data furnisher to verify the accuracy of the disputed information. XXXX. A summary of the investigations findings and the basis on which the credit company determined the information to be accurate or inaccurate. including documentation proving I am responsible for this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education.

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment.

3. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: IL

Complaint narrative:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
I am writing to formally dispute and request the immediate removal of several charged-off accounts currently being reported on my credit reports by Experian. These accounts are not mine, and I did not authorize them in any capacity. The charged off XXXX XXXX accounts are not mine. And they are also reporting my XXXX  XXXX account with late payments when I have been making onetime payments since the day the account was opened. 

Despite previous disputes filed directly with the credit bureaus, the accounts in question have been verified without sufficient investigation or documentation. I am concerned that this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must maintain accurate information and conduct proper reinvestigations. 

I am requesting that the CFPB step in to ensure these accounts are thoroughly investigated and permanently removed from my credit file if they can not be properly validated with concrete proof that I am responsible for them. I am also requesting documentation from the bureaus showing how and with whom these accounts were verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: NY

Complaint narrative:
I am writing to formally dispute and request the immediate removal of several charged-off accounts currently being reported on my credit reports by Experian. These accounts are not mine, and I did not authorize them in any capacity. The charged off XXXX XXXX accounts are not mine. And they are also reporting my XXXX  XXXX account with late payments when I have been making onetime payments since the day the account was opened. 

Despite previous disputes filed directly with the credit bureaus, the accounts in question have been verified without sufficient investigation or documentation. I am concerned that this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies must maintain accurate information and conduct proper reinvestigations. 

I am requesting that the CFPB step in to ensure these accounts are thoroughly investigated and permanently removed from my credit file if they can not be properly validated with concrete proof that I am responsible for them. I am also requesting documentation from the bureaus showing how and with whom these accounts were verified.

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 2025-04-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo CD I had a {$30000.00} 6-month CD at a special 5.0 % rate that matured on XX/XX/year> with Wells Farg . I was traveling around that time, so I asked ahead to ask if I could transfer the money to my checking account upon maturity. They said no, I had to come in person. 

When I finally visited the branch on XXXX, which was 1day after the so called 10days grace period end. they told me the CD had auto-renewed into another 6-month term at just because I was too late, Id have to pay a penalty of three months of interest to withdraw my own money. I needed the money to pay off my property tax, so CD is not an option for me. I ended up paying the three months penalty to rush for property tax payments. 

I filed the complaint, a WF bank escalation representative named XXXX reached out. Unfortunately, he wasnt helpful at all. I explained that I was traveling during the 10-day grace period and came to the branch on the 11th day just one day after the cutoff to prevent auto-renewal. Despite this, I was still charged a 3-month interest penalty to withdraw my own money from a CD I never intended to renew. 

I asked for the penalty to be waived, given the situation. XXXX said he would research it and respond via a secure email which, by the way, required me to create a separate account just to read his message. A few days later, I got a cold, copy-paste response filled with fine print and policy language, essentially saying : We understand your frustration, but were not doing anything about it. 

Wells Fargo chose to hide behind their policies rather than treat a long-time customer fairly. Im incredibly disappointed. 

I do know other banks allow customers to do transactions online when CD mature or arrange CD goes back to checking upon maturity, but Wells Fargo force the auto renewal as the only option, and only give 10days to change, if customers are not available in person, this is what happens to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My home flooded from XXXX XXXX back in XX/XX/year>. In order to save some cash so that I could afford to rent another place, I reached out to Chase Bank 's XXXX XXXX Assistance team and asked about my options to help with my current loan payments on a house I couldn't live in due to the damage from the flooding. My understanding is that Chase Bank was putting my payments On Hold and adding them to the end of the loan agreement and that they would automatically start pulling my monthly payment once the term of the agreement was over as my account was enrolled in Auto Pay. I received conflicting letters from Chase about the status of my account and in XXXX I received a letter from a managing director at Chase informing me that even though my account may show as past due, I was still under the agreement and would continue to be so as long as I met the requirements for the agreement. On XX/XX/XXXX, Chase reported my account as delinquent to credit agencies stating that I was 90 days past due on my XXXX mortgage payment. I attempted to get this resolved through Chase and explain my case but the only answer I received is that it was a forebearance and not a deferral. I asked Chase to review phone calls I had with them of XX/XX/XXXX and after their review they just informed that their information was accurate and that if I wanted to listen to the calls myself I would have to get a subpoena. I know there were additional calls on XX/XX/XXXX, but I have not formally requested a review of these calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: EQUIFAX, INC.
State: AR

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC XXXXb. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX - Opened XX/XX/XXXX With a balance of {$3800.00} Account number XXXX XXXX - Opened XX/XX/XXXX With a balance of {$6900.00} Account number XXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$1000.00} Account number XXXXXXXX XXXX - Opened XX/XX/XXXX With a balance of {$1400.00} Account number XXXX XXXX XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$16000.00} Account number XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$0.00} Account number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation