vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year>, PayPal unexpectedly withdrew a total amount of XXXX EUR and {$880.00} USD from my account. Prior to this, PayPal had assured me that I could withdraw the funds after a XXXX holding period. However, once the holding period ended, instead of allowing me to access my money, they took it without any explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: IL

Complaint narrative:
During XXXX, I could not pay my car loan, which Westlake Services , LLC financed XXXX 

The Loan amount was {$17000.00} plus 18.09 % interest. I made XXXX payments of {$420.00}. 

My last payment was made on XX/XX/XXXX. 

Westlake Services , LLC repossessed the car and sold it for {$4900.00} minus the Cost of Sales of {$330.00} ( not clear on this coast ). The Net Disposition Proceeds were {$4500.00}, as mentioned on the invoice sent to me. 

I want to add the sum to clarify the current situation. 

I paid {$11000.00} ; the car was sold for {$4900.00}, which is {$16000.00}. {$17000.00} - {$16000.00} = {$1600.00}, which is the amount that I owed to Westlake Services , LLC. 

Westlake Services , LLC never sent me any letter to collect any debt or offered to resolve this debt. They reported to my credit report without any prior notice and marked it as a bad credit charge off of {$17000.00}. The account shows closed and purchased by another lender, XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, I received the first letter from XXXX XXXX stating that I had an account with Westlake Services. The amount mentioned as of XX/XX/XXXX, is {$15000.00} minus the final cost of the car sold by Westlake Services minus ( cost of sales ) {$4500.00} = {$10000.00} as final debt. 

After I received the first notice, I called the CFPB. The representative suggested that I write to XXXX XXXX and ask them to provide account information, In response to my letter to XXXX XXXX, they sent me an invoice for the car purchase, which was an unsatisfactory response. 

XXXX XXXX started sending me offers to pay off {$10000.00}. 

I filed a dispute with all three credit bureaus against Westlake Services and XXXX XXXX. 

The result of the dispute from XXXX was that both XXXX XXXX and XXXX XXXX were deleted from my credit report. 

The result of the dispute from XXXX XXXX and XXXX was XXXX XXXX was deleted. XXXX XXXX will remain until it is dropped. 

Despite being deleted from all three credit agencies, XXXX XXXX is still sending me letters to settle the debt of {$10000.00}. The last letter is received on XX/XX/XXXX ( to the best of my knowledge ), with a deadline of XX/XX/XXXX. 


XXXX XXXX threatens to report to the credit agencies or continue to report. 

I want CFPB to contact XXXX XXXX regarding their failure to offer to settle the debt with them. XXXX XXXX is a bad remark on my credit reports, and I would like them deleted from XXXX XXXX and XXXX. 

XXXX XXXX needs to stop sending me letters and refrain from making any negative remarks to credit agencies. They were allowed twice to submit balance information, but they failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
I am writing to formally dispute discrepancies I have identified on my credit report. Upon reviewing my report, I noticed inaccuracies related to late payment entries. These entries are incorrect and are unfairly affecting my credit profile.

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 Section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' As your company is a consumer reporting agency and I am the consumer, I have the right to ensure that my private information is handled responsibly and not shared improperly.

This is further supported by 15 USC 6801, which establishes : " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Additionally, under the Fair Credit Reporting Act and the Privacy Act of 1972, which safeguard the accuracy, security, and confidentiality of consumer information, I respectfully request that you investigate and address these inaccuracies. 

Below are the specific details of the discrepancies : Creditor Name : XXXX XXXX Account Number : XXXX Dispute : Under 15 USC 1666b - Timing of Payments, this account should reflect a status of " Never Late. '' I have enclosed a copy of my credit report with the errors highlighted, as well as supporting documentation to substantiate my claim. I kindly request that you correct, modify, or delete the inaccurate entries as appropriate. 

Under the FCRA, you are required to investigate and respond to my dispute within 30 days of receipt. Please provide written confirmation of the outcome of your investigation and an updated credit report reflecting the corrections. 


Thank you for your prompt attention to this matter. I trust that you will ensure the accuracy of my credit information and uphold my rights as outlined by the FCRA. 


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 2025-01-13 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: PA

Complaint narrative:
I am writing to follow up on my previous dispute letter dated XX/XX/XXXXXXXX XXXX Please be advised, this is the second written request you have received. Under Section 609 of the Fair Credit Report Act ( FCRA ), I requested that you provide physical verification of the originally signed consumer contracts for any and all accounts that are currently being reported on my credit file.

Specifically, I requested the following : 1. A copy of the original contract bearing my " wet ink '' signature for each account that is currently being reported on my credit report. 
2. Physical verification that any and all accounts in my name were initiated by me with my full consent, and that you have the necessary documentation on file to support this.

Under FCRA Section 611, if proper verification can not be confirmed, inaccurate information must be removed. To date, I have not received sufficient evidence that the disputed accounts have been properly verified or that the credit bureau conducted a thorough investigation.

Additionally, under the FCRA Section 617, reporting inaccurate or incomplete information is a violation of federal law. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer. I am a litigious consumer that fully intends on pursuing litigation if this matter is not resolved promptly.

To reiterate, the disputed items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-01-13 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: FL

Complaint narrative:
I reviewed my Consumer Report and noticed that i had lates payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments for the account : XXXX XXXX XXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that this payment was late. if proof can't be provide i demand this payment be updated on time as they should be as i was NEVER late. thanks Date of reported late payment : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: LCI Acquisition Inc.
State: GA

Complaint narrative:
I am writing to formally request the removal of a bankruptcy filing from my credit report. I believe that this entry is in violation of my rights under the Fair Credit Reporting Act ( FCRA **Reason for Request : 1. **Inaccuracy of Information : ** According to Section 607 ( b ) of the FCRA , credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. If the bankruptcy listed on my report is inaccurate or not reflective of my current financial situation, it should be removed 2. **Time Limitations : ** The FCRA also stipulates that bankruptcies can only be reported for a maximum of 10 years from the date of filing ( Section 605 ( a ) ). If the bankruptcy in question has exceeded this time frame, it is unlawful for it to remain on my credit report 3. **Consumer Rights : ** Under Section 609 of the FCRA, I have the right to request that any information that is inaccurate or can not be verified be removed from my credit report. I am exercising this right, as I believe the bankruptcy does not accurately represent my creditworthiness **Supporting Documentation : I have enclosed copies of relevant documentation that support my request, including [ list any documents you are including, such as a copy of your credit report, a bankruptcy discharge notice, etc. 
**Request for Action : I kindly request that you investigate this matter and remove the bankruptcy entry from my credit report. Please confirm in writing that you have received this request and inform me of the actions taken Thank you for your prompt attention to this matter. I look forward to your response Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
My bank statement shows a withdrawal of {$500.00} on XX/XX/year> at the TD ATM bank at XXXX Pennsylvania. But I did not withdrawal that amount. I am XXXX XXXX XXXX and limited in driving and do not know how to get there without being taken. The determinatiin was that because I didn't loose my card they naturally thought it was me. They should check their cameras to prove who withdrew money from my account on the XXXX but they didn't. Unless I have a twin or I sleep WALK which I don't I am out of {$500.00}, it was taken from me and they should check footage for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
I have been reached out to so many times by Harris & Harris debt collection for a medical bill that should have been processed by my insurance company. I already called my insurance company and they informed me that all claims were reprocessing. I don't understand why I have a collection agency reaching out about a {$360.00} debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aldous & Associates, PLLC
State: UT

Complaint narrative:
Aldous & Associates has been included in a bankruptcy. The case number is XXXX they have been notified as they were included in the bankruptcy in XXXX of XXXX. This collection firm is still attempting to collect a debt citing that this can affect my credit report. Once a debt is included in a bankruptcy and have been notified of such, they are not allowed to continue to contact the party to try to collect on the debt. I have notified my attorney as well as filed this complaint. I want the collection efforts to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am in the process of buying a home and discovered that there were two bankruptcies on my name when I have legally never filed for bankruptcy nor do I owe any judgements for bankruptcy. I would like this removed off my credit report immediately due to being inaccurate and the company nor credit bureaus being able to provide me proof ( signed documents with my name on it saying or acknowledging the bankruptcies ) that these are mine. 

XXXX XXXX -Dismissed XXXX XXXX I also would like to know the method of verification used to verify these are my accounts due to the fact that FCRA LAW states that if the accounts can not be verified, they must be removed immediately according to FCRA Section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in small claims action against your company.

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 2025-01-13 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.

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 explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
i was incarcerated from XXXXXXXX to XX/XX/2024 exactly 1 year. my XXXX  XXXX  benefits were defrauded for that whole year. i never authorized any kind of transaction, so here in am filing a dispute with direct express i send them the letter of proof of incarceration to prov e i was XXXX  from the XXXX XXXX department as well as the police report that i filed. direct express wrongfully denied my dispute. i have the proof of incarceration as well as the police report. i tried to escalade it i called direct express and was told i can not escalate this situation, they told me i can only escalade this if i b ring new evidence. they have all the proof the letter from the sheriffs office as well as a full blown police report, there are also warrants out and the investigator had a judge sign the paperwork to press full blown charges for fraud on the two suspects a third one was added my investigator told me i reached out via email after they denied my dispute trying to escalate tis because what direct express is doing to me is wrong but they emailed me back with a phone XXXX  to call but they never call back so i emailed them on multiple occasions after i wasn't able to get a hold of them via phone but i get no response. then i got a voicemail from them with a different nr that i immediately called but that number doesn't work at all. then once when i called i got hung up on.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-13 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: NY

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 explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
Southwest credit system XXXX XXXX XXXX XXXX XXXX, Texas XXXX Pursuant to 18 USC 8, I owe no debt.This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.They also have no permission to report anything using my info pursuant to 15 USC 1681 4.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Collection/Charge Off XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX - XXXX - {$1300.00} XXXX XXXX - XXXX - {$540.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX - {$580.00} XXXX XXXX XXXX - XXXX - {$7300.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$7300.00} Late Payment XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXXXXXX - {$0.00} Bankruptcy XXXX  XXXX Bankruptcy - 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 2025-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Principal payment exceeding {$3000.00} was made on XX/XX/XXXX, reducing my unpaid principal. 

As of XX/XX/XXXX, XXXX still has my unpaid balance at the previous balance. This is more than 35 days and my FICO score does not reflect the benefit of my hard work trying to increase my score. 

This is creating a hardship for me because I have a pending XXXX XXXX that I have to finance.

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 2025-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: CA

Complaint narrative:
This XXXX account was opened under my name but isnt mine. Filed a police report immediately and spoke to XXXX and they assured me it wouldnt go on my credit since their accounted it was due to fraud. It showed up in my credit I have disputed on my credit report and now the account has been sold to a third party and that account is now reflecting in my credit. This has affected me and they will not remove it from my file

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live 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 explanation
Consumer complaint received 2025-01-13 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: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Upon review of my credit report, I noticed that a debt buyer had added a debt to my report. I have no debt ( XXXX XXXX  signature ) with this company.

Company response to consumer: Closed with explanation