vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: DE

Complaint narrative:
I am reaching out to follow up on my previous letter wherein. I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: MO

Complaint narrative:
I am submitting this complaint to dispute the reporting of my XXXXXXXX XXXX XXXX XXXX account ( Balance : {$200.00}, Date Opened : XX/XX/XXXX, Last Payment : XX/XX/XXXX ) on my credit report, which is currently listed as 120 days late. I believe this information is inaccurate, incomplete, and unverifiable, as it does not reflect my actual payment history, and its inclusion misrepresents my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is accurate, complete, and verifiable, and I am exercising my rights under FCRA 611 to dispute this erroneous reporting and demand a full reinvestigation. XXXX XXXX Bank and the credit reporting agency are required under FCRA 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), and 607 ( b ) to provide accurate information, to correct or update any errors, and to maintain reasonable procedures that ensure the maximum possible accuracy of all reported information. Reporting a XXXX late payment that can not be substantiated violates these obligations and has the potential to negatively impact my financial reputation, limit my access to credit, and cause undue stress and harm. I am requesting that the credit reporting agency and XXXX XXXX Bank conduct a thorough reinvestigation of this account, provide all documentation and verification used to support the reported delinquency, correct or update the account if the XXXX late status can not be verified, and provide written confirmation of all actions taken. Additionally, I request that any future reporting accurately reflects my payment history in compliance with federal law, ensuring that my credit report is a truthful and reliable representation of my financial activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Portfolio Recovery Associates is reporting an incorrect balance on my XXXX XXXX  collection account ( ending in XXXX ). 

I recently paid this account down, and my actual balance due is {$84.00}. However, Portfolio increased the reported balance to {$110.00} without any explanation, notice, or legal basis. 

This is a clear violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate information. 

I have proof of the correct balance directly from Portfolios own payment portal, screenshots attached. 

I opened a dispute with Equifax, but Portfolio continues to report the incorrect, inflated balance. This inaccurate reporting is harming my credit score and preventing me from obtaining transportation and housing. 

I am requesting Portfolio recovery associates to Delete the account entirely if they can not verify the correct amount. 

If this can not be resolved, I will escalate to the Attorney General and pursue legal action for damages caused by inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: MN

Complaint narrative:
I received a letter in XXXX from XXXX capital, a debt collection company, stating I owe XXXX for an outstanding balance through Affirm. I have never had an Affirm account, so I filed a police report, file a report with the FTC and placed a freeze on all my credit reports. I submitted the information to Affirm and XXXX XXXX. XXXX acknowledged fraud and cleared the account. Affirm continues to state I owe this amount stating your usage patterns observed in both disputed and previous loan ( XXXX ) where the IP Address, device used, and purchasing pattern were identical. 
your repayment history indicates the disputed loan ( XXXX ) was authorized. 
your prior communication ( XXXX ) between Affirm or our merchant ( XXXX ) indicate the loan ( XXXX ) in question was authorized. 
the multiple notifications and information you have received about the disputed loan ( XXXX ), but failing to notify Affirm that this activity was unauthorized until a significant amount of time had passed. I provided them with all the reports and informed them the phone number and email they have on the affirm account do not match mine. The phone number associated on the account was XXXX, is not my number nor has it ever been my number. The email was also XXXX. I have never had an XXXX Account. I have also never made any payment to Affirm- so any payments paid were from someone else- likely the person who opened the account with my personal information. They will not provide the account information or provide the address that items were sent it. Also, I notified them as soon as I received the debt collection letter- I never received any other communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: Early Warning Services, LLC
State: IA

Complaint narrative:
Attached to this complaint is a police report Early Warning wanted me to send to them regarding identity theft and fraudulent accounts and inquiries currently listed and showing on my Early Warning Consumer Report ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from 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 2025-12-04 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: VA

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS.

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA.

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING.

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 2025-12-04 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: IL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I have been paying on my private student loan since XXXX. Throughout my repayment history with XXXX and now MOHELA, I have repeatedly received inaccurate information, inconsistent servicing, and no meaningful resolution when I seek help. As a result, I am now in forbearance and facing significant financial and emotional distress. 

XXXX of the most serious issues occurred after I received a letter in the mail regarding misconduct from The XXXX XXXX of XXXX. After receiving this letter, I contacted XXXX to ask about my loan status. A customer service representative explicitly told me, Congratulations, youre done with your student loan, leading me to believe my loan had been forgiven. XXXX should have a phone recording of this statement. 

However, I was never informed that my loan was not forgiven until approximately XXXX month later, when I began receiving multiple phone calls per day stating that my payment was late. This was the first time I was told that forgiveness did not actually apply to my loan. This caused extreme confusion, emotional distress, and financial hardship due to misinformation provided directly by their representative. 

Since that time, both XXXX and XXXX  representatives have repeatedly been unable to : Clearly explain the details of my loan Accurately explain my balance Tell me how much I have already paid toward my loan Provide consistent or correct guidance on my repayment options In most of my interactions, representatives have been unprofessional, dismissive, and at times rude. I have spent countless hours on the phone with no resolution. Each time I call, I am given different answers, and no one takes ownership of correcting the issues on my account. 

Despite making payments since 2018, I still do not have a clear accounting of how my payments were applied, how much principal versus interest I have paid, or why I now must rely on forbearance due to servicer errors and lack of transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
I am filing this complaint because Discover Bank is reporting a negative checking account to XXXX  without providing the legally required mailed notices, and the information they are furnishing is inaccurate and unverified. 

On XX/XX/year>, I submitted a dispute directly to Discover regarding the negative account and the XXXX  reporting. As of today, Discover has not provided validation of the account, any required notices, or any proof that they complied with FCRA or banking regulations. 

On XX/XX/year>, Discover wrote to me and admitted that every piece of mail they attempted to send to me was returned to them and not delivered. Because of this, I never received : Any negative balance notice Any repayment request Any adverse action notice Any notice that the account would be reported to XXXX  Any mailed statements or written communication Any written verification of the balance they claim I owe Discover also stated they dont know why the mail was returned, which confirms they have no proof of delivery of any required notices. 

Why this is a violation The FCRA and federal banking regulations require written mailed notices, not app alerts or online messages. 
Online notifications do NOT replace legally required mailed adverse action notices. 
Since Discover admits the mail was returned, they did not satisfy their notice obligations. 

Because required notices were not delivered, the account can not be legally furnished to XXXX. 

Information errors Additionally, Discover is reporting incorrect personal information, including an address on my XXXX  file that is Discovers own address, not mine. This is a furnishing error that they have not corrected. 

What I requested from Discover Since XX/XX/year>, I have asked Discover to provide : Validation of the negative balance A ledger or accounting of the charges Proof of mailed notices Proof of delivery Correction of inaccurate personal information Removal of the XXXX  report if they can not validate They have not provided any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
To Whom It May Concern : I am writing in response to your claim that I owe a debt. This letter serves as a formal request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). 
Under this federal law, once a consumer disputes a debt in writing, the debt collector must cease all collection activity until proper validation is provided. 
I am requesting that you provide the following : Required Documentation Under 15 U.S.C. 1692g Verification of the alleged debt, including the amount Name of the original creditor A complete itemized breakdown of charges, fees, interest, and payments A copy of the original signed contract or agreement Proof that you are authorized to collect this debt in my state Proof of chain of assignment showing legal ownership of the debt The date of the alleged default and date of last payment Until these documents are provided, you are not permitted to continue collection efforts, including reporting the debt to credit bureaus or contacting me further, under 15 U.S.C. 1692g ( b ).

False or Misleading Information 15 U.S.C. 1692e Please note that attempting to collect a debt without proper validation, or reporting inaccurate information to a credit bureau, may constitute a violation of : 15 U.S.C. 1692e ( false, deceptive, or misleading representations ) 15 U.S.C. 1692e ( 8 ) ( communicating credit information known to be false ) Cease Collection Until Validation Is Complete Per federal law, you must stop : All phone calls Letters Credit reporting Any collection attempts until full validation is mailed to me in writing. 
Please send the requested documentation to the address listed above. I will review the materials upon receipt. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: NV

Complaint narrative:
My XXXX XXXX XXXX suffered a XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and became completely non-drivable. The warranty company ( XXXX  XXXX ) evaluated the repair and confirmed that the engine replacement would exceed {$14000.00}. They approved only {$3200.00} due to their liability cap, documented in their claim summary, and stated the vehicle is no longer economically repairable and closed out the warranty. 

After this, I contacted Westlake Financial with a hardship request. I asked for a settlement, loan reduction, or voluntary surrender without a deficiency balance since the collateral is effectively worthless. Despite multiple emails and calls, Westlake refused to provide any written decision. Representatives repeatedly stated they can not send anything in writing, even when denying my requests.

Westlake also misrouted my hardship request to their insurance claims department, even though no auto insurance claim exists. This demonstrates they did not review my complaint at all. Instead of addressing the loan issue, they continued to demand full-coverage insurance and full loan payments, despite knowing the vehicle is not drivable, not repairable, and has now been towed by the city and accruing fees, lessening it's value even more. 

I have never missed a payment during the entire loan, even for these past few months while the car has been inoperable. Westlake still refuses to offer any hardship option, refuses to provide written communication, and refuses to acknowledge the documented condition of the vehicle. Their actions prevent me from disposing of the vehicle ( since they hold the title ) and leave me trapped paying for a car that can not be repaired or used.

I am requesting CFPB assistance because Westlake will not respond in writing, will not process my hardship request properly, and continues to enforce obligations that are unreasonable given the documented condition of the collateral.

Company response to consumer: Closed with explanation