vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Westlake Services, LLC
State: IA

Complaint narrative:
I financed clear aligners through Byte, and my loan is being serviced by Westlake Portfolio Management. Byte shut down its operations in XXXX  and never completed my treatment. I did not receive the remaining aligners, retainers, or continued support despite being under a treatment plan. I had already paid a significant portion of the loan and continued making payments even after Byte shut down. The last time I even received a billing statement was XX/XX/year>, despite payments having been taken out automatically every month since then. 

I am now being charged for a product that was never fully delivered. This is a violat

ion of the FTC Holder Rule ( 16 CFR Part 433 ), which protects consumers in cases like this. Despite Byte shutting down, Westlake has continued collections. I am requesting : Immediate cancellation of the remaining balance
on the loan Refund of payments made Cease-and-desist of any further billing or collections activity This loan should not be enforceable since the service provider breached the contract and failed to deliver the agreed product.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against Aidvantage, XXXX, XXXX, and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of Education.

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I did not authorize all the inquiries by these companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Collection Account Reported by XXXX XXXX Account XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the collection account listed by XXXX XXXX and reported on my credit report. The account in question is listed as a collection account with a {$260.00} balance past due as of XX/XX/XXXX, and the status was last updated in XX/XX/XXXX. I request that you provide verification of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The following account details are being disputed : Account Name : XXXX XXXX Account Number : XXXX Account Type : Cell Phone Status : Collection Account ; {$260.00} past due as of XX/XX/XXXX Balance : {$260.00} Balance Updated : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : No recent payment recorded Original Balance : {$260.00} Highest Balance : {$260.00} Terms : 1 month On Record Until : XX/XX/XXXX I dispute this account for the following reasons : Inaccuracy of Information : I have no record of this debt being valid, and I do not believe the reported amount is accurate. I request full verification of the debt, including original account statements, payment history, and documentation showing that I owe this amount. 

Failure to Provide Documentation : As per the FCRA, I am entitled to request proof of the debt, including any contracts, statements, and any other information that substantiates this account being owed by me. Please provide all supporting documentation proving that this debt is legitimate. 
Dispute of Status : The reported collection status may be inaccurate. I request that you provide evidence to substantiate your reporting of the debt as a collection account. If no verification is provided within the required time frame, I request the removal of this account from my credit report. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I expect a response to this dispute within 30 days. If you fail to provide proper verification or documentation of the debt, I request that this account be removed from my credit report immediately. 

Additionally, please ensure that you cease reporting this account to the credit bureaus during the verification process, as required by the FCRA. 
Please send the requested information to the address listed above. I look forward to your prompt response. 
Sincerely, 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 explanation
Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Collection Account Reported by XXXX XXXX Account XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the collection account listed by XXXX XXXX and reported on my credit report. The account in question is listed as a collection account with a {$260.00} balance past due as of XX/XX/XXXX, and the status was last updated in XX/XX/XXXX. I request that you provide verification of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The following account details are being disputed : Account Name : XXXX XXXX Account Number : XXXX Account Type : Cell Phone Status : Collection Account ; {$260.00} past due as of XX/XX/XXXX Balance : {$260.00} Balance Updated : XX/XX/XXXX Date Opened : XX/XX/XXXX Last Payment : No recent payment recorded Original Balance : {$260.00} Highest Balance : {$260.00} Terms : 1 month On Record Until : XX/XX/XXXX I dispute this account for the following reasons : Inaccuracy of Information : I have no record of this debt being valid, and I do not believe the reported amount is accurate. I request full verification of the debt, including original account statements, payment history, and documentation showing that I owe this amount. 

Failure to Provide Documentation : As per the FCRA, I am entitled to request proof of the debt, including any contracts, statements, and any other information that substantiates this account being owed by me. Please provide all supporting documentation proving that this debt is legitimate. 
Dispute of Status : The reported collection status may be inaccurate. I request that you provide evidence to substantiate your reporting of the debt as a collection account. If no verification is provided within the required time frame, I request the removal of this account from my credit report. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I expect a response to this dispute within 30 days. If you fail to provide proper verification or documentation of the debt, I request that this account be removed from my credit report immediately. 

Additionally, please ensure that you cease reporting this account to the credit bureaus during the verification process, as required by the FCRA. 
Please send the requested information to the address listed above. I look forward to your prompt response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have repeatedly contacted the CFPB as well as Equifax, as well as the debt collectors stating that my debt was fraudulent only to be told that it was verified without giving me any information about how it was verified for three years. Ive been paying high interest rates on my car loan Ive been paying hi Auto insurance. Ive been unable to move living in a house with black mold due to bad credit that was not mine Ive sent in numerous proof that I was told repeatedly did not count however now magically after three years and all of this harm, it has been found to be fraud and nobody has made me whole and I blame Equifax as well as other companies. The main reason I am blaming Equifax right now is because they have repeatedly taken accounts off of my credit and then put them back on causing me XXXX dollars, and this is very unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 
I expect a prompt response to rectifytheseissues. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: SC

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: AZ

Complaint narrative:
Dear Sir/Madam, I am filing this complaint regarding errors in my credit report provided by Experian. The report inaccurately lists **three identical Lead Bank accounts**, which contain the same details. These duplicates are outlined in the attached documents. 

Details of the accounts : - **Payment Status : ** Paid account/was 30 days past due date - **Worst Delinquency : ** 30 days delinquent - **Balance : ** Not listed - **Last Updated : ** XX/XX/scrub>XXXX XXXX  The presence of these duplicate accounts violates the accuracy provisions of the Fair Credit Reporting Act. Under Section 605 ( b ), I request immediate removal of these redundant entries to ensure accurate reporting. 

I appreciate your prompt resolution of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Suspended my XXXX account for suspicious activity and going against their companies guidelines, which doesnt make sense because I made a couple purchases and then they close the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX I requested a purchase agreement from from company RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX by phone request also in writing. 
Never received ANSWER or in writing. 

Please Delete all Negative information from Credit Report per Federal Law. 

Thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
Hello I have requested the credit bureaus remove all Inaccurate collections and accounts involved with the identity theft from my report. I attempted to dispute with the bureaus ( Transunion, XXXX, and XXXX ) some times the collection would be removed on XXXX but the other bureau would report it as accurate then I would usually get a message saying they verified the collections as accurate. I reached out to the collections and disputed it with them directly. They sent correspondence acknowledging that I was not responsible for the account and they notified the bureaus to remove the accounts from my report. My report is still showing inaccurate information. How can the company with the debt say they acknowledge its not mine and they are removing the accounts from from my report but the credit bureau send me written statements in the mail after I explained Im unable to mail them anything due to me not having access to the local postal service saying I didnt provide enough information. I dont know the account numbers because I am a victim of identity theft and my rights to fair credit reporting are being violated by the bureaus. The information is vague because the accounts arent mine and I can only access what is seen on my report. I provided a police report and identity theft. Gov paper work proving myself as a victim and the bureaus still send me paperwork requiring I fill out and mail out more affidavits. 15 U.S.C 1681

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: AR

Complaint narrative:
I tried helping out an family member but they did not pay on car loan and left me in dept with the car loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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