vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: IL

Complaint narrative:
XXXX XXXX Installment Balance {$1900.00} XXXX  Point of Sale Balance {$200.00} Original Balance {$320.00} XXXX  XXXX Point of Sale Balance {$1500.00} Original Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX UNSECURED Balance {$2200.00} Original Balance {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Balance {$6300.00} Original Balance {$6000.00} XXXX Balance {$1900.00} Original Balance {$1700.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX Balance {$1900.00} Original Balance {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX Balance {$1900.00} Original Balance {$1700.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX Balance {$3000.00} Original Balance {$3000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Balance {$990.00} Original Balance {$900.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX Balance {$3600.00} Original Balance {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX  Balance {$2200.00} Original Balance {$2000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Balance {$4800.00} Original Balance {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX Balance {$6400.00} Original Balance {$6000.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX  Balance {$3600.00} Original Balance {$3500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Balance {$350.00} Original Balance {$300.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX Balance {$6300.00} Original Balance {$5800.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX Balance {$2000.00} Original Balance {$1700.00} DEPT OF XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Balance {$1000.00} Original Balance {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX Balance {$1800.00} Original Balance {$1700.00} DEPT OF XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX Balance {$3600.00} Original Balance {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX INSTALLMENT_SALES_CONTRACT Balance {$0.00} Original Balance {$210.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX UNSECURED Balance {$0.00} Original Balance {$370.00} XXXX Point of Sale Balance {$0.00} Original Balance {$190.00} XXXX XXXX  Miscellaneous XXXX XXXX and XXXX XXXX XXXX {$0.00} Original Balance {$11000.00} AFFIRM XXXX XXXX XXXX {$0.00} XXXX XXXX Other Collection Agencies Balance {$1100.00} XXXX XXXX {$390.00} Account number N/A Account status UNPAID Original creditor XXXX XXXX XXXX XXXX  Original amount owed {$0.00} Last reported XXXXXXXX XXXX XXXX XXXX {$1300.00} Account XXXX N/A Account status UNPAID Original creditor XXXX XXXX Original amount owed {$0.00} Last reported XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
The service would not let me cancel contract. I called several times to stop their service. I was surprised by their placing XXXXXXXX XXXX XXXX credit report forcing me to pay for the services This company is a Conglomerate of XXXX companies West Late XXXX XXXXXXXX XXXX XXXX XXXX. All three companies are by West lake XXXX had a mailed package that had three SR statements. This tax preparer did not console with me. Just assuming my state of residence and all my work was in the states, it is overseas. It takes a specialist to do " foreign earned income exclusion ''. A form that shows bonified residence test. and the tax preparer has does not have the knowledge. Conversing with preparer, wanted {$170.00} for each tax of three. Calling the company was argued to use this preparer. I stated preparer is not a specialist. i choose not to use this person. I was not going to be let cancel the contract. As I contacted the third company because i was sent an email for payment XXXX XXXX. I spoke with agent explain that i was cancelling. Then called the second company. I was not let out of the contract. No services of the company were done for me. I am being not given a choice to resend the contract. I am being set up to fail my credit score. Having not had services since XX/XX/XXXX. I tried 3 times to cancel, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I don't want this contract due to the inadequacy and terrible relations. Lacking communication

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding Experian, XXXX, and TransUnion for their repeated failure to comply with federal laws under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 



I have submitted multiple disputes requesting validation of certain accounts reporting negatively on my credit reports. Specifically, I requested : Verification of the original signed contracts Complete account histories The full chain of assignment showing legal ownership of the debt Despite these requests, the 3 credit bureaus have repeatedly failed to provide the required documentation and have continued to report these accounts without proper investigation. These actions are in direct violation of 15 USC 1692g, which mandates that upon request, debt collectors must provide proper validation of the alleged debts.

The refusal to provide this legally mandated documentation and their continued reporting of unverifiable accounts constitutes willful non-compliance. Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter and demand the immediate deletion of the unvalidated collection accounts from my credit reports, as they are : 1. Unsubstantiated by original contracts or documentation 2. Not validated per federal law 3. Damaging to my consumer rights and financial standing Enclosed with this complaint are certified mail receipts and XXXX tracking confirmation showing my good faith efforts to resolve these issues directly with the agencies. Their failure to act leaves me with no alternative but to escalate this complaint for regulatory review and enforcement. 



I respectfully request that the CFPB take immediate action to ensure the deletion of these accounts and to hold these agencies accountable for non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TX

Complaint narrative:
The items listed in my identity theft report were open fraudulently without my consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
The items listed in my identity theft report were open fraudulently without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/2025 Bank of America Customer Service Department Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX Subject : IRS Tax XXXX XXXX XXXX XXXX for XXXX or Explanation Account Ending in : XXXX Dear Bank of America Customer Service XXXX XXXX am writing to formally dispute the handling of a recent IRS tax refund that was deposited into an account under my name which I believed to be closed or inaccessible. The refund, in the amount of {$1200.00}, was sent by the Internal Revenue Service ( IRS ) and deposited into the above-referenced account.

To my knowledge, this account was either closed or no longer active, and I did not have access to it at the time of deposit. I have not authorized any withdrawal, application, or use of these funds by Bank of America, nor was I notified of any action taken with the refund amount.

If the funds were applied to cover a negative balance or other internal charge, I respectfully request the following : 1A detailed written explanation of why the refund was not returned to the IRS as required for closed accounts.

2A full account statement showing the transaction history and how the refund was applied.

3Clarification of your policy regarding third-party deposits ( including IRS refunds ) into closed or overdrawn accounts.

4If an error occurred, I request that the full amount of {$1200.00} be refunded to me immediately via check or transfer to an accessible account.

If I do not receive a response within 15 business days, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and may explore legal remedies if needed. 
Please treat this matter as urgent. I look forward to your prompt and transparent resolution. 
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 2025-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
In XXXX I obtained a loan to purchase vehicle at XXXX XXXXXXXX. 
I was heavily affected by XXXX XXXX and the car was also damaged and had to be put into the mechanic to get over {$7000.00} worth of work not to mention previous complete transmission repair in XXXX. 
I sought assistance to get my past due balance rectified and was told i did not qualify for hardship due to past due balance. 
Now lets fast forward to XXXX, the car has been repaired and I started resuming payments, ( i did make minimum payments during but were not the full balance ) The creditor is not updating any payments, keeping my balance as is and refusing payment plan with me. You can't just continue to take my money and not report I'm making any payments to my balance. 

Can you please assist me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: WA

Complaint narrative:
On XX/XX/year>, I have been trying to apply for a personal loan to get my vehicle fixed so I can attend work while leaving our family vehicle at home for my wife and kid. I XXXX searched loans and XXXX was the first to appear. As I went through the process it was super simple, asked what I wanted and I said I needed XXXX $ showed me the amount Id pay which was XXXX $ ok pay days but did not explain that the interest rate was 689 % and will pay that XXXX $ over 14 months. I was only able to view my documents after I was accepted and created an account to which I will now be paying XXXX $ for a XXXX $ loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I am writing to formally dispute an auto loan account that appears on my credit report, which I did not authorize or open. 

The account in question is listed under : * * Creditor Name * * : Credit Acceptance Corporation * * Balance * * : {$16000.00} * * Date Opened * * : XX/XX/year>2020 This account is the result of identity theft. I never signed for or agreed to this auto loan. In fact, I did not even have a drivers license at that time and was not legally able to operate a vehicle and i still don't I have already contacted Credit Acceptance Corporation directly by mail to dispute this fraudulent debt and disputed it directly from XXXX Please note : - I did not authorize this loan. 
- I did not sign any application or paperwork. 
- I was not in possession of a drivers license at the time. 

Under the * * Fair Credit Reporting Act ( FCRA XXXX ) * *, I am requesting that this fraudulent account be * * blocked and removed * * from my credit report with your bureau. 

Enclosed are the following supporting documents : - A copy of my FTC Identity Theft Report - A copy of my credit report with the fraudulent account highlighted

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: MoneyLion Inc.
State: IL

Complaint narrative:
I tried to make an account and linked my bank account and social security number. It says my social is in use from an email I've never seen before. When trying to get information from the company, they act like they can't help me or ignore my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I received a letter from TD Retail Card Services sent to my home stating that I had applied for credit with TD Bank. However, I did not apply for credit of any kind with TD Bank. They indicated the review of the credit is on hold because I have a hold on my credit file. 

I currently have a hold with the 3 major credit bureaus due to previous fraudulent credit card application in my name. However, Im concerned because it appears my identity is being targeted and that a freeze on the 3 major credit bureaus does not necessarily cover all bases. I would like to know what else I might be able to do to protect against this kind of fraud. Further, these banks do not appear to have simple ways on their websites to allow for notification of fraud. 

To be clear, no actual card has been issued based on the fraudulent application and I want to ensure no card is issued. 

Thank you for any advice or help you are able to provide.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: NY

Complaint narrative:
Submitted as a follow-up to my original CFPB complaint filed on XX/XX/year>, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2 ( FCRA 605B ). Despite providing all documentation required under 605B ( b ) including a valid Identity Theft Report ( as defined under XXXX ( q ) ), a government-issued ID, proof of address, and a detailed statement Equifax has XXXX to block the fraudulent accounts from my credit report. Today is XX/XX/year>, which is more than XXXX business days since my submission, and Equifax continues to report the following fraudulent 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 This is a clear violation of FCRA 605B ( c ) ( 1 ), which mandates that consumer reporting agencies must block identity theft-related information no later than 4 business days after receiving a compliant request. Furthermore, Equifax has also failed to send me a written notice of denial of my request as required under FCRA 605B ( c ) ( 2 ), which states : If a consumer reporting agency declines to block information, the agency shall notify the consumer no later than 5 business days after the determination is made. I received no such notice, indicating either willful noncompliance or systemic internal failure. This non-response and continued reporting constitute a violation of not only 605B, but also : 607 ( a ) failure to maintain reasonable procedures to ensure compliance with FCRA obligations.

610 ( a ) failure to allow the consumer to correct or remove inaccurate/fraudulent data.

602 ( a ) ( 1 ) and ( a ) ( 4 ) disregard for the foundational principles of fairness, accuracy, and privacy in consumer reporting.

The inaction by Equifax is not a mere delay its a direct denial of federally protected consumer rights. I demand immediate and permanent blocking of the above-referenced accounts and a full investigation into Equifax 's failure to comply with its obligations under the FCRA. I am also requesting that this complaint be escalated, and Equifax be held accountable for its blatant noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX TO : Cavalry Portfolio Services , LLC XXXX. XXXX XXXX XXXX, NY XXXX RE : Formal Demand for ImmediatXXXX XXXX XXXX XXXX XXXXXXXX {$5600.00} Collection To Whom It May Concern, This letter serves as a final demand and legal notice under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g, 1692e, 1692f, and 15 U.S.C. 1681i.

I am demanding the immediate deletion of the below-referenced account from all consumer reporting agencies : Cavalry Portfolio Services Account XXXX XXXX XXXX} Collection You are currently reporting this account to the credit bureaus without having provided proper and lawful validation. A final bill, generic summary, or internal record is not sufficient under federal law. 

To meet the legal requirements outlined in 15 U.S.C. 1692g, you must provide : A copy of the original signed contract with my wet signature A complete billing and payment history A flow sheet detailing the full chain of assignment from the original creditor to Cavalry Portfolio Services A binding agreement or contract of sale establishing your right to collect this debt Proof of active debt collection licensing in the state of Illinois If you can not provide all of this documentation, you are in violation of : 15 U.S.C. 1692g ( b ) Continuing collection without proper validation 15 U.S.C. 1692e ( 8 ) Reporting information known or suspected to be false 15 U.S.C. 1681i ( a ) Failure to reinvestigate disputed accounts 15 U.S.C. 1692f Engaging in unfair and deceptive collection practices You are hereby given 15 calendar days from the date above to : Delete this account from XXXX XXXX XXXX XXXX  Cease all collection activities Provide full legal validation, including a flow sheet and binding agreement Failure to comply will result in the following actions : A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Reporting your violations to the Federal Trade Commission ( FTC ) A complaint with the Illinois Attorney Generals Office Pursuit of civil litigation for damages and legal fees for noncompliance This is your FINAL NOTICE. If the required legal documentation is not provided and the account is not deleted, I will take immediate legal action. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I opened my checking account on XX/XX/XXXX with an offer attached to earn a {$500.00} bonus when meeting certain requirements within a certain timeframe. I met the requirements within that timeframe but my bonus never posted. 

I spoke with a customer service representative, XXXX, by phone on XX/XX/XXXX who submitted a request ( order # : XXXX ) to pay my bonus. He said the bonus could take a maximum of 30 days to post. The bonus never posted. 

I spoke with a customer servide representative, XXXX, on XX/XX/XXXX who reviewed XXXX 's request. She said that, for whatever reason, the request had been rejected. I offered to email in screenshots proving that the bonus was attached to my account when I opened the account. She said Bank of America would not accept any emails and that I need to go to a bank branch. I declined and told her that I would file a CFPB complaint. 

Please see the attached screenshots proving that the bonus was attached to my account upon opening.

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 monetary relief