vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
Background : I financed a vehicle through Ally Financial, and my car was declared a total loss in an accident in XX/XX/XXXX. I have a GAP insurance policy with XXXX  but my claim remains unprocessed because Ally has not submitted the required documents to the GAP insurer. 
The Issue : I have contacted Ally Financial multiple times by phone to request that they forward the necessary paperwork to my GAP insurer. Each time, I have been informed that the documents were sent. However, my GAP insurer has confirmed that they have not received all of the required documents, which is preventing my claim from being processed. 
Additionally, Ally Financial requested a copy of the police report. I sent the police report I received from SC XXXX XXXX three separate times to the email address they provided. Recently, I was informed that : Their email account is not regularly monitored and they do not reply they receive them. 
Told me after calling on XX/XX/XXXXXXXX  that the police report I provided is not considered the correct version, despite no prior instructions in writing or through the phone indicating which version was needed. I had called on XX/XX/XXXXXXXX  and XX/XX/XXXX to make sure they received it and kept saying they dont monitor the email box. 
Rather than offering clear guidance or consistent communication, the handling of my claim has been repeatedly delayed and mismanaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: GA

Complaint narrative:
i asked them now in XXXX of XXXX to send information on my actual price because the amount they have me to pay is incorrect. i also asked for them to send me my original contract and payment history but instead the representee on XX/XX/year> sent me everyone 's information that had XXXX XXXX and switched over to Westlake portfolio of over 300 pages of personal information of others that he was not suppose to send i have told them this and they have done nothing. that is breach in personal information for over 300 people .at this point i do not trust this company especially when a rep has made a mistake like that i do not know if they know how to do their job or have the right information or right amount for customers i believe they are over charging customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NJ

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: CA

Complaint narrative:
Subject : Formal Complaint Against Equifax and XXXX XXXX XXXX for Unlawful Reporting Practices To Whom It May Concern, I am writing to file a formal complaint against Equifax and XXXX XXXX XXXX regarding the inaccurate and unauthorized reporting of a debt on my credit report. This erroneous entry has adversely affected my creditworthiness, and both entities have failed to adhere to their legal obligations under federal law. 

Background : Upon reviewing my credit report, I discovered an account reported by XXXX XXXX XXXX that I do not recognize and believe does not belong to me. I have never received any communication from XXXX XXXX XXXXwhether by mail, email, or phoneinforming me of this alleged debt or providing me with an opportunity to dispute its validity before it was reported to Equifax. This lack of communication violates the Fair Debt Collection Practices Act ( FDCPA ), which mandates that debt collectors must notify consumers about any debt and provide them with an opportunity to dispute it before reporting it to credit bureaus. 

Actions Taken : 1. Dispute with Equifax : I promptly filed a dispute with Equifax, providing all necessary information to support my claim that the debt is not mine. Despite this, Equifax has continued to report the erroneous account without conducting a proper investigation or providing me with any documentation verifying the debts legitimacy. 
2. Attempted Contact with XXXX XXXX XXXX : I attempted to contact XXXX XXXX XXXX to obtain validation of the debt, including any contracts or agreements bearing my signature. However, they have failed to respond to my requests, further violating my rights under the FDCPA. 

Violations : XXXX XXXX XXXX : By not notifying me of the alleged debt and denying me the opportunity to dispute it before reporting it to Equifax, XXXX XXXX XXXX has violated the FDCPAs requirements for debt validation and consumer notification. 
Equifax : By continuing to report the disputed debt without proper investigation or validation, Equifax has violated the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to maintain accurate information and conduct reasonable investigations into disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 


Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 
Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-10 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/year>, Experian removed my FICO score erroneously. I do not understand why, but it was never reinstated. 

I have attempted to contact Experian through all channels to fix this situation ( as the other credit agencies, XXXX, XXXX, all report my account correctly. 

I then contacted my bank, XXXX XXXXXXXX XXXX XXXX, and they found that Experian is not reporting information for my account, and only XXXX and XXXX are.

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 2025-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: OPTUM BANK, INC.
State: CO

Complaint narrative:
When they request a receipt for a medical purchase/payment, they do not give me the name of the payee. For example, they demand a receipt for " {$83.00} paid on XX/XX/year>. '' I have a LOT of doctors and medical expenses. I have no idea who I paid on XX/XX/year>. They need to tell me the merchant/payee so I can go to the merchant/payee 's website and get a receipt for them. I finally got so frustrated I thought fine, just refuse the transaction. But now they've cut off my access to my XXXX card. That is MY money that has been taken out of my paycheck! You can't deny me access to my money! 

Tell me the name of the merchant/payee and the date of transaction and amount, and I'll get you a receipt ( although when the payee is " XXXX XXXX XXXX '' or " XXXX XXXX  '' I don't know why you need a receipt anyway. It's pretty clear it was for a medical approved transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: CAINE & WEINER COMPANY, INC.
State: DE

Complaint narrative:
On my credit report i have stuff on my credit that i need off and also that does not need to be on there and idk why its on there, i been trying to dispute things off my credit report and need it to be off & i would love for this old collection item to be off my credit report because the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Conduent Incorporated
State: NV

Complaint narrative:
I filled out a fraud questionare, I answered one question incorrectly, immediately corrected myself and they refused to pay me the balance of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Subject : Formal Dispute of Inaccurate Credit Information ( Account # XXXX ) ) To Whom It May Concern, I am writing to formally dispute the inaccurate and inconsistent information being reported on my credit file regarding the above-referenced account with XXXX/XXXX  XXXX. The details across TransUnion and Experian reports are inconsistent and incorrect. Please consider this letter as a formal request to investigate, validate, and correct the following inaccuracies : Disputed Items : TransUnion : The account is inaccurately marked as " Collection account '' with an " Indeterminate '' status. However, the balance is reported as {$0.00}, and no payments have been missed. 

I request a thorough investigation and the removal of the " Collection account '' status if it can not be verified with valid documentation. 

Experian : The account inaccurately reflects multiple late payments, including XXXX  late ( XXXX  days ), XXXX  late ( XXXX  days ), and XXXX  late ( XXXX  days ).

The status " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' contradicts the fact that the account balance is {$0.00} and has been transferred to another lender. 

I request a full investigation and correction or removal of all inaccurate late payment notations and account status. 

Requested Actions : Provide me with written validation from the original creditor for the reporting details. 

Correct any inaccurate information or delete unverifiable data from my credit file. 

Update the status across all credit bureaus to ensure consistency. 

Send me written confirmation once the investigation has been completed.

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 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

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 2025-03-10 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: VA

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-03-10 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: GA

Complaint narrative:
I am a victim of identity theft, which has resulted in multiple fraudulent accounts and inquiries appearing on my credit report. These include 21 unauthorized U.S. Department of Education accounts, two auto loans fraudulently opened with XXXX and XXXX XXXX XXXX, and 40 hard inquiries that I did not authorize. Additionally, unemployment benefits were wrongfully filed in my name without my knowledge or consent. 

These fraudulent activities have severely impacted my credit and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of these unauthorized accounts, inquiries, and any related fraudulent information from my credit 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 explanation
Consumer complaint received 2025-03-10 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:
I am a victim of identity theft, which has resulted in multiple fraudulent accounts and inquiries appearing on my credit report. These include 21 unauthorized U.S. Department of Education accounts, two auto loans fraudulently opened with XXXX and XXXX XXXX XXXX, and 40 hard inquiries that I did not authorize. Additionally, unemployment benefits were wrongfully filed in my name without my knowledge or consent. 

These fraudulent activities have severely impacted my credit and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of these unauthorized accounts, inquiries, and any related fraudulent information from my credit 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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
XXXX billed patient for inpatient " mental health '' services, which is illegal. The people working at these businesses are XXXX XXXX XXXX  criminals. A totally unrequested interaction with " business '' ( abduction, torture and detainment. ) I, being congenial, communicated with XXXX about charging a person for abduction and torture being strictly, *explicitly* prohibited by North Carolina law , they then suggested I be abducted detained and tortured by one of their employees at one of their facilities again, and said the " debt '' would be taken to collections. Again, these people are XXXX  XXXX  XXXX  criminals and I genuinely consider them XXXX.

I'm now getting calls from paragon revenue group.

It's not a debt that can legally be owed by me. I also genuinely consider their " business '' to be illegal.

From XXXX  " Balance Decrease Last Statement Balance {$1400.00} '' Given to Paragon Revenue Group No contact with Paragon Revenue Group

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
I request the immediate removal of the unauthorized accounts from my credit report. I did not initiate or authorize these accounts and am unaware of their origins. In compliance with USC 1681g, I am formally asking for their removal within 15 days. Relevant documents are attached for your review.

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 2025-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> I received a 2 hard inquiries, one from Capital One, following with a text message containing a one time verification code. Then I later received a notification that I had another inquiry from XXXX XXXX. I didnt not authorize either of the two and believe someone is using my information to open accounts.

Company response to consumer: Closed with non-monetary relief