vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Credit Bureau Name : Consumer Financial Protection Bureau Subject : Dispute of Repossession Entry on Credit Report Dear Sir/Madam , I am writing to formally dispute the repossession entry listed on my credit report. After careful review of my credit history, I have identified several inaccuracies and discrepancies regarding this repossession claim. I request that you investigate the matter promptly and remove this entry from my credit report if found to be inaccurate or unverifiable. 

Repossession Details : XXXX XXXX I XXXX XXXX : XXXX Creditor Name : XXXX XXXX Account Number : XXXX Date of Repossession : XXXX due to motor not working XXXX Support Class Winter and XXXX  XXXX XXXX, XX/XX/XXXX XXXX XXXX Time zone : XXXX XXXX XXXX joining info Video call XXXX : XXXX XXXX XXXX Amount Owed : No amount Discrepancy amount ( my credit report shows {$35000.00} ) 2 letters shows two different amounts as attached below, and the car was sold and the amount was not applied.

I am writing concerning the above referenced accounts and transactions. 
This vehicle was repossessed by Westlake Financial in the State of Georgia on or about, XX/XX/XXXX and resold XX/XX/XXXX Under the laws of the State of Georgia and XXXX XXXX XXXX  XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. Westlake did not provide proof of sale the alleged claim within 14 days, so this claim should be null and voided and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. Also, the repossession is incorrect because my credit report shows {$35000.00} and previous letters show additional amounts. I have added the letter for proof of documentation. 
Enclosed with this letter are copies of supporting documents that substantiate my claims and prove the inaccuracies in the repossession entry. I kindly request that you consider this evidence during your investigation. 

Please provide me with written confirmation once the investigation is complete and inform me of any actions taken. Furthermore, I request that you update my credit report accordingly and send me an updated copy for my records. 

Thank you for your prompt attention to this matter. I believe in the importance of maintaining accurate credit reporting, and I trust that you will conduct a thorough investigation to rectify this situation. 

Sincerely, 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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is now my third formal dispute regarding the fraudulent and inaccurate reporting of my XXXX XXXX XXXX ( Account No. XXXX ) on my Experian credit report, and I have reached my absolute limit with Experians blatant negligence, willful misconduct, and reckless disregard for the law. Despite multiple disputes and more than enough time to correct this indisputable error, Experian continues to knowingly misreport my payment status as " Current, was past due 30 days, '' while XXXX and XXXX correctly report " Paid or paying as agreed. '' This is not a simple mistakethis is intentional falsification of my credit data and a clear violation of federal law. Under 15 USC 1666b ( a ), a payment made on time CAN NOT be reported as late, yet Experian knowingly fabricates false late payment history, even as XXXX and XXXX show no such delinquency. This is a direct violation of 15 USC 1681e ( b ), which legally requires Experian to ensure maximum possible accuracya duty it has flagrantly failed to uphold. Further, XXXX refusal to conduct a real, lawful investigation, as required under 15 USC 1681s-2 ( b ) and 15 USC 1681i ( a ), is undeniable evidence of its deliberate noncompliance. This is not a case of incompetencethis is willful fraud, and I will no longer tolerate Experians reckless and illegal actions. Experian is now in direct violation of multiple federal laws, including 15 USC 1666b ( a ), 15 USC 1681e ( b ), 15 USC 1681s-2 ( b ), 15 USC 1681i ( a ), 15 USC 1681n , 15 USC 1681o , and 12 USC 5531 , all of which mandate accurate credit reporting, proper dispute investigations, and protection against deceptive financial practices. Under 15 USC 1681n, Experian is legally liable for statutory damages of up to {$1000.00} per violation, and given its ongoing, repeated violations, these penalties continue to accumulate daily. Additionally, under 15 USC 1681o, Experian is responsible for actual damages, as its false reporting has directly caused financial harm, credit damage, and emotional distress. Its failure to comply with 12 USC 5531 further proves its deliberate refusal to uphold fair and legal credit dispute handling.

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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  opened a credit line under my name and reported it to the Credit Bureaus. I did not authorize this. I immediately contacted XXXX and stated my case. The account status is now closed but it should be on my credit report at all. A closed account on my credit file still brings my credit score down XXXX points or so. Please insist XXXX removes the closed account from my credit reports. Thank 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 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 — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX Bank opened a credit line under my name and reported it to the Credit Bureaus. I did not authorize this. I immediately contacted XXXX and stated my case. The account status is now closed but it should be on my credit report at all. A closed account on my credit file still brings my credit score down XXXX points or so. Please insist XXXX removes the closed account from my credit reports. Thank you.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX TransUnion Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

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: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: FREEDOM FINANCIAL NETWORK
State: TX

Complaint narrative:
On XXXX I noticed almost {$1000.00} taken out of my dedicated account for settlement fees. When signing up for service. It was explained to me that settlement fees wouldn't be extra. Impling that the monthly service fee is for settlement services. I contacted the service hotline. Only to be told it's in my contract ( fine print ). This was not explained in detail at the time of signing up. It's very misleading.

Company response to consumer: Closed with 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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.

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: CA

Complaint narrative:
Last month i was made ware that several accounts on my credit report were open without me knowing. I contacted the credit bureaus and they gave me some steps to do. I disputed the items and they were verified as mine. I was suprised. So here i am again trying to resolve this

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
When completing XXXX  transactions the disclosure to confirm you are sending to the correct person otherwise that money will be lost. Just recently that prompt was added.

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

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

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: NJ

Complaint narrative:
To Whom It May Concern, On XX/XX/year> ] I disputed an account reported by XXXX XXXX  XXXX, ] I was informed on [ XX/XX/year> that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section XXXX ( a ) ( XXXX ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within XXXX business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. 
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. 
I am submitting this complaint separately to the Consumer Financial Protection Bureau, the XXXX XXXXXXXX XXXX, and the XXXX. 
Please govern yourself accordingly.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Request for Account Blocking and Deletion Due to Data Breach Dear Experian Team, I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. **Accounts in XXXX : ** XXXX. XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX Account XXXX  XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX. XXXX XXXX XXXX Account XXXX  XXXX **Personal Information : ** Name : XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX. Social Security Number : XXXX Date of Birth : XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : XXXX. XXXX XXXX  XXXX ( a ) ** : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately. XXXX. XXXX XXXX XXXX : Under this section, I am entitled to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information linked to this breach. XXXX. XXXX XXXX  XXXX ( XXXX  ) ** : This provision mandates that consumer reporting agencies maintain reasonable procedures to ensure the accuracy of information. Given the breach, I request a thorough review of my credit report to identify and rectify any inaccuracies. XXXX. XXXX XXXX XXXX ( XXXX  ) ** : I request access to my complete consumer report, as I have the right to understand what information is being reported and to identify potential inaccuracies resulting from this breach. XXXX. XXXX XXXX  XXXX : As required by this statute, please ensure that any negative information resulting from the breach is not reported inappropriately. XXXX. XXXX XXXX XXXX : I reserve the right to seek damages for any violations of the FCRA resulting XXXX this breach, should you fail to comply with my requests. Please confirm the receipt of this letter and provide written confirmation of the actions taken regarding my accounts. Additionally, I would appreciate an update on any measures you are implementing to protect my personal information. Thank you for your prompt attention to this matter. I look forward to your immediate response in XXXX  days!

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 information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

Company response to consumer: Closed with explanation