vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
My account was frozen yesterday XXXX XXXX without warning. There was a deposit for an amount which I have never deposited before {$18000.00}, but it's from a financial lender XXXX, additional deposit {$6800.00} came from XXXX XXXX because I am in the middle of the process to purchase a vehicle, which is now on pause due to this infraction. Now no one at USAA bank will speak with me when I call, but instead, an automated voice tells me I need to submit photo documents to verify my identity. This has put me in a situation where I have no money and my Mortgage ; rent for where I am currently living, and all my monthly payments will be late. All my payments are setup as automatic payments so they will be blocked on Monday.

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 2025-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I first called XXXXXXXX XXXX XXXX  when westlake took over the account. Insurance department of Westlake financial stated they didn't see that I paid for XXXX insurance on my vehicle. I have the purchase agreement and it clearly states I paid for gap insurance on my vehicle for {$790.00}. Also paid {$2900.00} for service contract. When westlake took over i requested services to the car under the contract they stated they only service payments for the loan and not car services. They didn't refund or discount my loan amount for the service contract or the GAP insurance coverage they never honored after acquiring XXXX XXXX loans. I spoke with the insurance department to have these amounts deducted and they claim they don't see I had these coverages. I can see on my purchase agreement I had these coverages. I believe these chathes should've been deducted from my cost before transferring to westlake portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL

Complaint narrative:
I received email communication and sent a cease and desist from their company to stop emailing and calling me and instead send me a debt validation letter to the address they have on file. 

They continued to email me back after my cease and desist which is in violation of the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXXXX/XX/XXXX with a balance of {$140.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: AL

Complaint narrative:
I am filing a complaint against [ LOCKHART MORRIS & MONTGOMERY ). I requested that they provide validation of the debt they are attempting to collect, including proof of their right to collect the debt and evidence that the debt is mine. Despite my repeated requests, they have failed to provide the necessary documentation to validate the debt. 
The details are as follows : XXXX [ XXXX XXXX ], I sent a written request to ( LOCKHART MORRIS & MONTGOMERY ) asking for validation of the debt. 
I requested that they provide a copy of the original contract or agreement that indicates my obligation to pay the debt. 
I also asked for a detailed account of the debt, including the original creditor 's name, the amount owed, and how the amount was calculated. 
Additionally, I requested proof that [ LOCKHART MORRIS & MONTGOMERY ] has the legal right to collect the debt. 

Despite allowing a reasonable amount of time for them to respond, I have not received any of the requested documentation. This lack of response is not only concerning but also a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). 
I am seeking assistance from the CFPB to ensure that [ LOCKHART MORRIS & MONTGOMERY ] provides the necessary validation of the debt and ceases collection efforts until they do so. I would also like to request that any negative information reported to credit bureaus be removed until the debt is properly validated. 



Thank you for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-29 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: MO

Complaint narrative:
I wish to contest certain information that is both inaccurate and unverifiable. 

I am not familiar with the account associated with XXXX XXXX. 
Account # XXXX I have sought verification of this debt, but the credit bureau has not supplied the necessary documentation.

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 2025-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Deletion of Fraudulent Items from XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and to demand immediate deletion of all fraudulent accounts, inquiries, and addresses from my credit reports with Equifax, Experian, and TransUnion under my rights afforded by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c-2.

I am a documented victim of identity theft, and I have submitted the following to each credit bureau : XXXX. A copy of my official FTC Identity Theft Report ( FTC Report Number : XXXX ) XXXX. ID AND SOCIAL SECURITY CARD Despite these submissions, the following fraudulent accounts and information remain on my credit reports : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} Fraudulent 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 I never resided at these addresses, nor did I authorize, apply for, or open any of the above accounts or inquiries. Under FCRA XXXX, I am entitled to have all fraudulent information resulting from identity theft blocked and permanently removed from my credit reports within XXXX business days of receiving proper documentation. These credit bureaus have failed to comply with this federal law. 

I demand immediate deletion of the above-listed fraudulent accounts, inquiries, and addresses from my credit reports with all three credit bureaus ( Equifax, Experian, and TransUnion ) in full compliance with FCRA XXXX, and request that the CFPB initiate an investigation into this matter. 

Please keep me informed about the status of this complaint. I am seeking full remediation, including permanent removal of the fraudulent items and compliance with all legal obligations under the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-29 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Demand for Deletion of Fraudulent Items from XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and to demand immediate deletion of all fraudulent accounts, inquiries, and addresses from my credit reports with Equifax, Experian, and TransUnion under my rights afforded by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c-2.

I am a documented victim of identity theft, and I have submitted the following to each credit bureau : XXXX. A copy of my official FTC Identity Theft Report ( FTC Report Number : XXXX ) XXXX. ID AND SOCIAL SECURITY CARD Despite these submissions, the following fraudulent accounts and information remain on my credit reports : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} Fraudulent 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 I never resided at these addresses, nor did I authorize, apply for, or open any of the above accounts or inquiries. Under FCRA XXXX, I am entitled to have all fraudulent information resulting from identity theft blocked and permanently removed from my credit reports within XXXX business days of receiving proper documentation. These credit bureaus have failed to comply with this federal law. 

I demand immediate deletion of the above-listed fraudulent accounts, inquiries, and addresses from my credit reports with all three credit bureaus ( Equifax, Experian, and TransUnion ) in full compliance with FCRA XXXX, and request that the CFPB initiate an investigation into this matter. 

Please keep me informed about the status of this complaint. I am seeking full remediation, including permanent removal of the fraudulent items and compliance with all legal obligations under the FCRA. 

Sincerely, 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 2025-03-29 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$210.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
XX/XX/year>, XXXX XXXX XXXX M & T BANK REPEATED BANK DEREGULATIONS AND MISSING TIMELY PENSION MONEY XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Systemic banking misconduct Electronic Fund Transfer Act violations ( 15 U.S.C. 1693 et seq. ) Disability-based financial discrimination Criminal conspiracy or fraud involving public institutions or regulated banks Please find attached a formal complaint to the Consumer Financial Protection Bureau regarding M & T Banks violations of the Electronic Fund Transfer Act, FTC regulations XXXX and deceptive business practices. This is a matter involving banking discrimination, disability rights violations, and financial servitude and trafficking. The matter is urgent, and I request acknowledgment of receipt and assurance of investigation. Thank you.

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 2025-03-29 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Arizona XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Violations of 15 U.S. Code 6802 ( b ) ( 1 ) by Financial Institutions Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number : XXXXXXXX XXXX account number : XXXX number : XXXX, XXXX XXXX XXXX, account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, account number : XXXX, XXXX XXXX XXXX, account number : XXXX, account number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, account number : XXXX account number : XXXX XXXX for violating 15 U.S. Code 6802 ( b ) ( 1 ), which prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties without proper consumer authorization or legal justification.

It has come to my attention that the following accounts below have shared my personal financial data, including account details and transaction history, with third-party companies without providing me the required opt-out opportunity or obtaining my explicit consent. " ]. This is a direct violation of the Gramm-Leach-Bliley Acts consumer privacy protections.

Under federal law, financial institutions must inform consumers of their rights and allow them to opt out before sharing sensitive personal data with third-party entities. However, in my case : I was not provided with a clear and conspicuous opt-out notice.

My personal financial data was shared without my consent.

The institution failed to follow required consumer privacy procedures.

These actions have put my privacy and financial security at risk. I request the CFPB to investigate this matter and take appropriate enforcement action against TransUnion, Experian and Equifax for noncompliance with federal privacy laws.

Please keep me informed regarding the progress of this complaint. I appreciate your prompt attention to this serious issue. 

Sincerely, 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 2025-03-29 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Arizona XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding Violations of 15 U.S. Code 6802 ( b ) ( 1 ) by Financial Institutions Dear Consumer Financial Protection Bureau , I am writing to formally file a complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number : XXXXXXXX XXXX account number : XXXX number : XXXX, XXXX XXXX XXXX, account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, account number : XXXX, XXXX XXXX XXXX, account number : XXXX, account number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, account number : XXXX account number : XXXX XXXX for violating 15 U.S. Code 6802 ( b ) ( 1 ), which prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties without proper consumer authorization or legal justification.

It has come to my attention that the following accounts below have shared my personal financial data, including account details and transaction history, with third-party companies without providing me the required opt-out opportunity or obtaining my explicit consent. " ]. This is a direct violation of the Gramm-Leach-Bliley Acts consumer privacy protections.

Under federal law, financial institutions must inform consumers of their rights and allow them to opt out before sharing sensitive personal data with third-party entities. However, in my case : I was not provided with a clear and conspicuous opt-out notice.

My personal financial data was shared without my consent.

The institution failed to follow required consumer privacy procedures.

These actions have put my privacy and financial security at risk. I request the CFPB to investigate this matter and take appropriate enforcement action against TransUnion, Experian and Equifax for noncompliance with federal privacy laws.

Please keep me informed regarding the progress of this complaint. I appreciate your prompt attention to this serious issue. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief