vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Valor Intelligent Processing, LLC
State: TN

Complaint narrative:
On XXXX, Valor Intelligent Processing sent an unsolicited text message attempting to collect a debt allegedly owed to XXXX. The message violated the Fair Debt Collection Practices Act ( FDCPA ) in the following ways : Failed to provide required written notice ( 15 USC 1692g ) : No disclosure of my right to dispute the debt within 30 days No statement that I could request verification of the debt No mailing of this notice within 5 days of initial contact Deceptive payment instructions : Listed duplicate/misspelled payment methods ( " Pay, '' " XXXX '' ) Included a masked URL ( XXXX XXXX XXXX ) hiding its destination Buried mandatory disclosures : Only included 'This message is from a debt collector ' at the very end Never stated 'This is an attempt to collect a debt ' upfront Demand : Immediate cessation of all collection efforts Full debt validation including signed contract and accounting Removal of any credit reporting related to this invalid claim This constitutes multiple willful FDCPA violations. I will pursue statutory damages if not resolved. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: AL

Complaint narrative:
To : Westlake Financial Services XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT AND DUPLICATE ACCOUNTS VIOLATION OF FEDERAL CREDIT LAWS To Whom It May Concern, I am formally demanding the immediate removal of three ( 3 ) fraudulent and duplicated auto loan accounts that have been illegally reported on my credit report by Westlake Financial Services and published by XXXX. These accounts were opened without my knowledge, authorization, or consent, and their continued presence is a direct violation of my consumer rights under federal law.

The following federal laws have been violated : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 et seq.

Section 1681s-2 ( a ) ( 1 ) ( A ) : Westlake is prohibited from furnishing inaccurate information to consumer reporting agencies.

Section 1681s-2 ( a ) ( 1 ) ( B ) : You are required to correct and update inaccurate information after becoming aware of it.

Section 1681s-2 ( b ) : Upon notification of dispute, Westlake and XXXX  are required to conduct a proper investigation and remove any unverifiable or fraudulent information within 30 days.

Section 1681b : It is illegal to access or use a consumer report without a permissible purpose, which was clearly violated in this instance.

2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692 : Section 1692e ( 8 ) : Reporting information known to be false or misleading to a credit bureau constitutes deceptive collection practices.

Section 1692d : Repeated reporting of the same fraudulent debt is harassment and is strictly prohibited.

3. Duplicate Reporting Is Illegal Under the FCRA, reporting the same debt multiple times as separate accounts distorts my credit profile and is an unfair, deceptive, and abusive practice. This has materially damaged my credit score and financial standing.

I demand the following actions be taken immediately : 1. Permanent deletion of all three fraudulent Westlake Financial auto loan accounts from XXXX  and any other credit bureau they were reported to.

2. A full written investigation report including the steps taken to verify the validity of these accounts.

3. Written confirmation that Westlake and XXXX  will cease and desist from any further attempts to collect, report, or validate these illegitimate accounts.

4. A correction made to reflect the removal of any negative marks, inquiries, or collections related to these entries.

If I do not receive confirmation of removal and resolution within 15 calendar days, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office for willful violations of federal law and seek legal counsel to pursue financial damages.

This is your final warning to comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
info has been being used since 2020. I cant get it to stop, I filled idenity theft reports with the ftc.

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 2025-07-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc.
State: NC

Complaint narrative:
This is the XXXX complaint I am writing about a XXXX XXXX. They have once again sold this debt to a XXXX party and they failed to provide written notification of the debt and allowed for me to dispute. This false debt in now on my credit report and has negatively impacted. According to federal law, this debt must be removed from my credit report as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
I lost my job in 2016 ended up being homeless for a little while living in my car until I got into a car accident and was on the streets. I started searching for money knowing I was involved in multiple identity theft incidents and was the victim of many crimes was searching the world for some type of relief. I found several accounts that were linked to unclaimed lawsuits, my family inheritance that was borrowed by other institutions and put back several times and then re-borrowed or stolen. I also found accounts that were compensation for victims of crime funds and interest from my borrowed inheritance which no one ever had permission to borrow myself or one of my family members. 5-year institution clean out from the trustees return to the treasury under my SSN. Also the matured return inheritance and trust to the financial institutions or one that bought the institution that went bankrupt. The situation is extremely dangerous I was attacked, followed, harassed, and terrorized the entire time I was trying to recover what was mine. I hope this reaches an honest person due to the fact I've been doing this same thing of trying to recover my family 's inheritance for multiple years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 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 explanation
Consumer complaint received 2025-07-13 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding I want the CFPB to publish this description on consumerfinance.gov ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S. Code 1681c-2 ) that the TransUnion credit reporting agency block any information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving the complaint. This fraudulent, inaccurate, and false information consists of a collections and hard inquiry account opened at XXXXXXXX XXXX on XXXX XXXX under the account number XXXX an auto loan account opened at XXXX XXXX XXXX XXXX under the account XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX a collection account opened at XXXX on XXXX XXXX and a fraudulent hard inquiry from XXXXXXXX XXXX  XXXX XX/XX/XXXX these accounts have resulted in fraudulent collections and hard inquiry appearing on my XXXX credit report. I do not recognize the aforementioned accounts and collections appearing on my XXXX consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are a result of identity theft and fraud. I attached a copy of the FTC Identity Thief Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections 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 non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
midland credit management says i owe XXXX. I called a few years ago and said this isn't mine, they basically said oh well. i want this debt proven and they cant do that. This is a direct violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi my name is XXXX, today i check my credit report and i see there fraudulent 6 hard inquires on my credit report, please help me resolve this as soon as possible thank you, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: NY

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX - XXXX XXXX XXXX XXXXXXXX 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 2025-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Company name : XXXX XXXX Amount : {$1900.00} Open date : XX/XX/XXXX Remark : charge off I contacted one of the owners in late XXXX about my credit showing late payments and collection and sent them my bank statement where I paid the car off. They was supposed to get everything handled but never did. Now I cant get a hold of anyone so earlier in the month I disputed it again and looking to get the information changed to paid loan. I also told them over phone I have the title and still do have it. If you look at XX/XX/XXXX on my statement you can see where I made the final payment for {$2100.00} to the loan company as stated earlier.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
Ok i have several complaints but I just had XXXX XXXX  try paying me a third owed its in this case # XXXX called XXXX XXXX XXXX branch ) XXXX manager had it all over turned cancelled the check that was short got all my money Im picking up the check Tuesday XXXX XXXX. My problem is with this CHIME FINANCIAL XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) WHAT EVER ONE HOLDS MY MONEY AND That's INSURED. Chime is doing all the denying why they are not even a bank no FDIC so if they have no FDIC chime is not able to deny a Fraudulent charge on a checking account because checking accounts are only under insured banks FDIC.. The transactions that took place at XXXXXXXX XXXX  are the same as the ones at crime so XXXX XXXX investigators 2 both agreed this was fraud. We talked for a couple hrs then I told them what happened with XXXX and they agreed. And i over turned the denied disputes its the exact same thing chime and stride bank are crooked as can be. Chime keeps denying my disputes they send me a link with a XXXX hr time frame to load documents then i have to call wait explain it for the XXXX time so burnt out on this i want to quit. Not going to happen to much money so I'm asking for some help here. I have so much proof its fraud and XXXX plus days later im still trying to justify fraudulent charges occurred in my account which is crazy to me when I typed in fable books and comes up permanently closed ok. Now XXXX XXXX has redeemed their stupidity and greed now these guys should be made to do the same. I think this all started with chime. I would try to withdraw a XXXX XXXX XXXX and they would freeze my account for weeks. But they allowed these back to back crazy charges through not any warnings at all over {$24000.00} its someone from chime i know it is..... But please help..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
SYNCB claims i owe them XXXX. I have never had a card with them. I asked to have debt verified. They cant produce that i actually opened this card.

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 2025-07-13 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: MO

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC
State: NH

Complaint narrative:
I opened an account with XXXX  in XX/XX/XXXX and a month later I tried to move my crypto currency to my hard wallet and they wouldn't allow me to do it. My account had a so called error. I contacted XXXX  and provided everything they asked for. Then they forced me to sign a new user agreement in order to access my account. I didn't want to sign it as they were refusing me access to my account and told them I wanted to move my crypto and close my account. They closed my account and refuse to let me move my crypto. They are forcing me to sell my crypto currency! I don't want to sell it and I have stated this repeatedly. I signed their user agreement and I have given them everything they have asked for. I contact them every couple of days and they keep asking for more information and I again provide what they're asking for and I still as of today can not access my account. My last contact with them was on XX/XX/XXXX. I provided a screen shot of the message I receive when trying to access my account. How on earth are they allowed to force me to sell my bought and paid for crypto currency and at this point I can't do anything in my account. They have stolen my money! I am seeing more and more of this type of complaints on reddit about XXXX. I'm not the only one they're doing this to. Please fix this. 
XXXX XXXX

Company response to consumer: Closed with explanation