vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: NV

Complaint narrative:
I utilized Westlake Financial for an Auto loan in XX/XX/XXXX. In XX/XX/XXXX, my husband was involved in an accident that resulted in the car being totaled. After insurance paid off the loan, there was an account balance of - {$3500.00} owed to me. My insurance reached out to me about this in XX/XX/XXXX, which is how I learned of the balance owed to me. Westlake Financial had not contacted me once about this balance.

Since then, I have called Westlake Financial directly numerous times. I've stayed on the phone for over 40 minutes on multiple instances trying to get information on when I can expect the payment. I get sent to various departments and ultimately, no one is able to assist me with getting the money owed to me. 

On XX/XX/XXXX, I sent a demand letter via XXXX certified mail to notify them of my owed refund and asking for the payment within 10 days of receiving the letter, otherwise I would be proceeded legal action against them and reporting them to relevant bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Subject : US Bank Closed My Account Without Explanation and Has Not Returned My {$4900.00} Balance I am submitting this complaint to the CFPB because on XX/XX/year>, US Bank closed my account without providing any prior notice or clear explanation. At the time of the closure, my account contained {$4900.00}, and I have been unable to access or retrieve these funds since the account was shut down. 

After the closure, I took the following actions : From XX/XX/year> to the present : I contacted US Bank multiple times through customer service and my local branch to request the specific reason for the account closure and to ask when the {$4900.00} would be returned to me. 

During these communications, bank representatives were unable to provide any clear explanation. They also failed to give any timeline for the return of my funds, advising me only to wait for further notice. 

As of now, I still have not received any written explanation for the closure, and US Bank has not returned my {$4900.00}.

US Banks actions have caused significant inconvenience and financial stress. I respectfully request that the CFPB assist in requiring US Bank to : Provide a clear, detailed, and lawful explanation for the closure of my account ; Immediately return my {$4900.00} ; Confirm that no unjustified or unauthorized fees or penalties were applied to my account ; Provide written confirmation and resolution of this matter. 

Thank you for your attention and assistance.

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 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MD

Complaint narrative:
My account that i had for years. That Ive done the same activities on was deactivated randomly for no reason! Now i am unable to make an account. Look at my history!!! I havent done anything different, except card got damaged in washer and i reordered a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. 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 information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, 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 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 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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-11-19 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: NV

Complaint narrative:
The information listed does not accurately match my financial conduct. I ask that it be properly examined and corrected.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC
State: OR

Complaint narrative:
Received a letter in the mail postmarked on XX/XX/year>, from a " Ascension Point Recovery Service '' addressed to " the estate '' of my deceased mother, that did not live with me and had lived in another state. The letter said they need to speak to a representative from my family to discuss matters of my mother 's estate, which is false, because my mother never owned any assets nor held any estates in her life. My sister has also received a similar letter. This company is preying on families during the most difficult times in their lives, to try and scam them. I can 100 % confirm my mother did not owe any debts in her life. This letter troubles me as I have never heard of this company before, and am concerned how they were able to find my address. The company 's information is : Ascension Point Recovery Service XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
I lack any tie to these accounts ; please delete them within 15 days under USC 1681g.

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 2025-11-19 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: SC

Complaint narrative:
I previously disputed the following inaccurate items on my credit report, and the bureau failed to conduct a reasonable reinvestigation under FCRA 611. Despite providing full identity verification and supporting documentation ; including my ID, proof of address, and if applicable, an FTC Identity Theft Report, the bureau either verified the items without proof or failed to correct them. These items remain inaccurate and/or the result of identity theft connected to a data breach. 
Items in Dispute : 1. XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX  Identity theft please block and delete under FCRA 605B. 
2. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Identity theft please block and delete under FCRA 605B. 
3. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Identity theft please block and delete under FCRA 605B. 
1 of 4 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Identity theft please block and delete under FCRA 605B. 
5. XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX Identity theft please block and delete under FCRA 605B. 
1. XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry. Please remove it from my credit report. 
2. XXXXXXXX XXXX XXXX XXXX XXXX XXXX I did not authorize this inquiry. Please remove it from my credit 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 2025-11-19 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: TX

Complaint narrative:
I am disputing the following accounts on my Experian credit report. These entries contain inaccuracies, and I request they be reviewed and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off 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 Inquiries XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland Credit Management is reporting two separate collections under multiple variations of their name ( MIDLAND CRED and MIDLANDCRE ) with duplicate account numbers and conflicting balances. I disputed these more than 60 days ago, sent certified mail, and never received ANY validation no original contract, no itemized ledger, no chain of custody, no proof they even own the debt. Midland is one of the most sued collection companies in the U.S. for failure to validate and inaccurate reporting. Reporting duplicates violates FCRA 607 ( b ) and Metro 2. Continuing to report unverified debt violates FDCPA 809 ( b ). Because no documentation was ever provided and the reporting is duplicated/inaccurate, both accounts must be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: KY

Complaint narrative:
Original complaint number was XXXX I previously submitted a dispute to the credit reporting agency ( Equifax ) regarding an inaccurate collection being furnished by XXXX XXXX XXXX XXXX XXXX XXXX received my dispute more than 30 days ago and failed to complete a lawful reinvestigation within the required FCRA timelines. Under FCRA 611 ( a ) ( 1 ) ( A ), the bureau must complete a reasonable reinvestigation within 30 days. That deadline has now passed with no proper response, no documentation, and no resolution. 

XXXX also failed to provide proper validation or documentation under 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( B ). Instead of producing evidence, XXXX closed its part of the CFPB complaint without providing any supporting documentation or validation and without satisfying the requirements of a furnisher under the FCRA. 

The failure of Equifax to complete a lawful reinvestigation within the 30-day statutory period triggers FCRA 611 ( a ) ( 5 ) ( A ), which requires that the disputed information be deleted if the disputed information can not be verified within the time period required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: NV

Complaint narrative:
I am formally objecting to the referenced accounts, as they do not belong to me and were not authorized. I request their prompt removal and review. Relevant documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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: WA

Complaint narrative:
I am disputing the following accounts on my Experian credit report. These entries contain inaccuracies, and I request they be reviewed and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts ( Leave blank if no charged-off accounts are disputed ) Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
First Name : XXXX Last Name : XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX Phone : XXXX I am a victim of identity theft. My personal information has been used without my knowledge, permission, or written consent. I did not authorize any individual, business, or entity to access, obtain, or use my personal data for any purpose. 

Any inaccurate accounts, inquiries, or charges must be blocked, removed, or corrected immediately under FCRA Section 605B. 

Accounts and Inquiries Affected by the Crime : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also ask that the credit bureaus confirm, in writing, that the account and associated late payment have been permanently deleted and will not reappear. 

This resolution will restore accuracy to my credit reports and prevent continued harm from unauthorized or inaccurate reporting. 

If you want to sound even more official, you can also add : I believe this resolution is fair and consistent with the requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) regarding unauthorized reinsertion of deleted information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management is reporting a collection account for {$2500.00} on my credit file with a Date Opened of XX/XX/XXXX and a Date of First Delinquency of XX/XX/XXXX. I never received any form of initial written notice from Midland before they began furnishing this debt to the credit bureaus. 
Under FDCPA 1692g ( a ), a debt collector must provide written notice within 5 days of first communication, including the amount of the debt, the name of the original creditor, and a clear explanation of my 30-day right to dispute and request validation. None of this was provided to me. 
The courts have been very clear about this requirement. In XXXX XXXX XXXX ( XXXX ), the court held that a collector can not treat a debt as valid or proceed with collection unless they have sent the 1692g ( a ) notice. Similarly, in XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ), the Ninth Circuit clarified that a collector must fully inform the consumer of their dispute rights before taking any collection action. 
Midland skipped the required notice entirely and went straight to credit reporting, which deprives me of my rights and violates FDCPA 1692e ( 8 ) because the information they furnished was never validated. 
The CFPB itself has taken enforcement actions against Midland Credit Management for this exact problem. In XXXX, XXXX, and XXXX, the CFPB found that Midland regularly failed to provide legally required validation notices and continued collection and credit reporting anyway. This pattern of behavior demonstrates the seriousness of them bypassing the initial communication requirements. 
I only learned this account existed by reviewing my XXXX  report. Midlands failure to provide the mandatory notice means I was never told who the creditor supposedly was, never given the chance to dispute the account, and never given the information federal law requires them to send before reporting anything. 
This violates : FDCPA 1692g ( a ) failure to provide the statutorily required written notice FDCPA 1692e ( 8 ) reporting unverified and disputed information FCRA 623 ( a ) ( 1 ) ( A ) furnishing information without ensuring accuracy Midland bypassed the entire consumer rights process, which is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Triton Recovery Group
State: FL

Complaint narrative:
I am reporting Triton Recovery for unfair and deceptive business practices related to a merchant cash advance originally from XXXX XXXX. 

On XX/XX/year>, I signed a settlement agreement with Triton. The first payment is scheduled for XX/XX/year>, meaning I am currently in full compliance. 

Despite this, Triton Recovery has continued to contact my clients, marketplaces, and my credit card processor with UCC lien claims even AFTER the settlement was signed. 

I sent a written request asking them to provide basic written acknowledgment that the settlement is active and that I am not in default. They refused to provide ANY written confirmation, which prevents me from protecting my business. 

Their continued third-party contacts and refusal to acknowledge the settlement are causing harm to my business, interfering with customer relationships, and misrepresenting my status. 

I believe these actions constitute unfair and deceptive practices, business interference, and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

Company response to consumer: Closed with non-monetary relief