vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year> XXXX XXXX : XXXX XXXX XXXX, XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Westlake Financial SVC To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The disputed item is listed under Westlake Financial SVC with the account number XXXX on my credit report. 

Upon reviewing my report, I have identified several discrepancies and violations of federal law that make this account legally uncollectible and unreportable. Specifically : 1. The account is listed as charged-off while still reporting a balance, which contradicts the legal definition of a charge-off under GAAP and the FCRA . Once an account is charged off, the creditor forfeits the right to continue reporting a balance.

2. Verification and substantiation requirement ( 15 U.S.C. 1681i ) : Under the FCRA, any disputed item must be verified by the furnisher of information with documented proof. If the original creditor has sold the debt or can not produce a wet-ink contract bearing my signature, this debt is legally unverified and must be removed.

3. Fair Debt Collection Practices Act ( FDCPA ) violations : If this debt has been transferred to a third party, any continued reporting of a balance by the original creditor is misleading and constitutes an unfair debt collection practice. 

Given these legal inconsistencies, I am demanding the immediate removal of this account from my credit file. If this dispute is not resolved promptly in accordance with the FCRA, I am prepared to escalate the matter to regulatory agencies and seek legal remedies.

Please complete a full investigation and respond within the legally mandated 30-day period. Upon completion, kindly provide me with written confirmation of the deletion or a full breakdown of the verification process, including all supporting documents.

I appreciate your prompt attention to this matter. Please send your response to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: AL

Complaint narrative:
I BELIEVE THAT THIS LETTER WILL FIND YOU WELL. I AM HAVING MAJOR ISSUES WITH FINDING INACCURATE/ INVALIDATED ACCOUNTS AFTER CAREFULLY PULLING MY CREDIT REPORT FROM YOUR AGENCY. I HAVE NO KNOWLEDGE OF THESE ITEMS OR INACCURATE INFORMATION AS MY INFORMATION WAS IMPACTED BY THE NATIONAL PUBLIC DATA SOCIAL SECURITY DATA BREACH AND HAVE GOTTEN INTO THE HANDS OF THE WRONG PERSON. I HAVE SOLID PROOF THE BREACH CAUSED THESE FALSE ITEMS TO APPERA ON MY CREDIT REPORT. YOU ARE REPORTING NEGLIGENTLY AND INACCURATELY AND FALING TO COMPLY TO THE FCRA. I DEMAND THAT THESE ITEMS BE DELETED IMMEDIATELY AND UPDATED. I ALSO DEMAND THAT YOU SEND ME A CREDIT REPORT WITH UPDATED CHANGES WITHIN 30 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 2025-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC
State: MO

Complaint narrative:
On XX/XX/year>, I contacted Rise Credit in an effort to pay off my installment loan. The agent confirmed my pay off amount, and scheduled that amount to be debited from financial institution on XX/XX/year>, via EFT. The transaction cleared and posted. 

I checked my Rise Credit account online today, XX/XX/year>, and discovered a remaining balance of a XXXX XXXXXXXX dollars. Shocked, I contacted the lender to investigate further. I was advised that the agent who processed the pay off amount on XX/XX/year> made an error. Later, I was advised that their system made an error. Mind you, Rise Credit never contacted me to clarify their error or their system 's error. I disputed responsibility with them ... ultimately, they stated I would be responsible for the remainder of the balance... which I paid today, XX/XX/year>. 

Some key notes : Loan Amount : {$5000.00} Total Interest Paid over Loan : {$9600.00} It is my complaint : Their agent stated a proper pay off balance, which was paid by me. Further, they never contacted me with their error. I feel that I'm owed at least the sum of money I paid today, XX/XX/year>, back ( if not more ). This loan has been in full, both on principal and on interest. 

It is my warning : This is a predatory lender. Now that I've paid off my loan, a second time, I can't log into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
SPS is still not honoring my permanent modification of {$490.00} a month! Their many alleged defaults over the years have been satisfied. Most recently an alleged default of {$780.00} which I was notified of on XX/XX/XXXX, In XXXX, XXXX, I paid 2 pmts. of {$490.00} & one pmt of {$290.00}. 
This cures my alleged default plus paid my regular XXXX payment. Just as I have paid all their alleged defaults with the promise that my payment would return to the correct {$490.00}, it has not! They are still charging me taxes & insurance on each monthly payment which I pay separately & calling my full paymentPartial! 
Also, the property they are harassing me over is no longer in my name. The City of XXXX XXXX XXXX XXXX changed the ownership years ago to XXXX XXXX XXXX XXXX XXXX. This was done without my authorization after having these records in my name for 17 years & paying taxes in my name. On XX/XX/XXXX XXXX XXXX at SPS Loss Draft department advised me my short pay offer after a total loss fire was accepted & SPS would be sending me the {$25000.00} I requested in the offer. SPS held my {$50000.00} for three years with no interest as I had been verbally promised by yet another SPS representative/liar!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: OH

Complaint narrative:
Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-02-17 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: AL

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. **Account Name : ** XXXX XXXX XXXX XXXX : ** XX/XX/year> **Subject : ** Incomplete and Incorrect Information in My EQUIFAX Credit Report Upon reviewing my EQUIFAX credit report on the aforementioned date, I have identified several discrepancies and inaccuracies. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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 2025-02-17 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 filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of the items as it is incorrect and doesnt reflect my true credit history.

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 2025-02-17 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:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of the items as it is incorrect and doesnt reflect my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: MI

Complaint narrative:
I notified XXXX at Tek Collect XXXX XXXX XXXX email : XXXX To remove the wrongful reporting of medical debt from all 3 of the credit bureaus and they refused to do so. https : //www.consumerfinance.gov/about-us/newsroom/cfpb-finalizes-rule-to-remove-medical-bills-from-credit-reports/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NC

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 :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 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: NV

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They must be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 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: NV

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, your agency may be held liable for failing to comply with federal law. Additionally, XXXX XXXX XXXX XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST MERCHANTS CORPORATION
State: IN

Complaint narrative:
The loan company first merchants bank and the loan amount and payment history is very incorrect I have reported this in the dispute center in all the credit company 's and it's still not been change. They have been reporting the total amount of financed amount way to hight it was only XXXX and I did make about 4 or 5 payments on it only had like XXXX $ left to pay when I lost my job and couldn't pay the rest and they have not reported any of the actual payments I did make they have been reporting that's I've never paid on it and they have quadrupled the loan amount and fees!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
I had XXXX similar but distinct disputes with the Apple Card and submitted a complaint about both of them. The complaint ID of the first one is XXXX. The response by Apple to this complaint ( dispute case number XXXX ) : The dispute was ruled in the Customers favor because the available evidence did not sufficiently show that goods/services were rendered as agreed. As a result, the temporary credit that was applied to the Customers account was made permanent on XX/XX/XXXX. The other complaint ID was XXXX. This was marked as a duplicate complaint, but Apple ruled in the merchant 's favor. 

Dispute case number : XXXX Transaction date : XX/XX/XXXX Merchant name : XXXX Disputed amount : {$100.00} XX/XX/XXXX : Ruled in favor of merchant, stating, " Based on available information, we determined that the purchase was provided as described. '' XX/XX/XXXX : dispute reopened with case number XXXX. 
XX/XX/XXXX : Ruled in favor of merchant, stating that there was no evidence to substantiate the claim. 
XX/XX/XXXX : Correspondence with a specialist named XXXX from Goldman Sachs. This specialist stated that the dispute resolution for claim number XXXX was " write-off, this means that the 90 days timeframe we have to investigate the dispute reached the end without a complete investigation, so we resolved to make the dispute credit permanent. It is not quite like winning the dispute. '' This directly contradicts the response given by Apple to complaint ID XXXX, referenced above. 

I purchased a gift card for XXXX which did not work. I did not receive what I paid for, and Apple/Goldman Sachs is not helping resolve it. The merchant asked for information that XXXX does not provide, and then deleted the evidence I sent them. Apple did nothing about that. The dispute that was ruled similar enough for this one to be a duplicate was resolved in my favor. I provided the same evidences for both.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

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 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I just recently received and reviewed my credit report and I found several inaccuracies. This is my statement that the listed accounts, inquiries and personal information that is on this FTC report and on the letter enclosed with it have been reported without my permission or written consent and therefore is a result of identity theft and must be removed. They are not related to any transactions made by me the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 
Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. i am aware of my rights under the Fair Credit Reporting act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing, " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigations results effectively. 
These allegations highlight systemic issues that directly undermine consumer information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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