vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-24 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: MI

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, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2025 Westlake Financial Services [ XXXX Address ] Re : Cease and Desist Notice Under 15 U.S.C. 1692cc Account : XXXX XXXX XXXX Loan To Whom It May Concern : I am formally notifying you that, under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692cc, you are to immediately cease and desist from all communication with me regarding the above-referenced account. 

This includes all phone calls ( home, cell, or work ), letters, emails, text messages, and any contact with third parties, except as specifically permitted by law ( such as written notice of termination of collection efforts or intent to pursue legal action ). 

In addition, I dispute the validity and accuracy of this account as it is currently reported. This account is either already paid in full or the result of identity theft/unauthorized use of my information, and should not remain on my credit report. 

I therefore demand that : 1. All collection activity on this account immediately cease.

2. This tradeline be deleted from XXXX XXXX XXXX XXXX 
XXXX. Written confirmation of your compliance be provided to me within XXXX ( XXXX ) days. 

Any further communication with me outside of the narrow exceptions allowed by law will constitute a violation of federal law and will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney XXXX XXXX XXXX Ohio. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: ID Analytics, Inc.
State: VA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Global Lending Services LLC
State: PA

Complaint narrative:
I arrived at XXXX XXXX XXXX to purchase a vehicle after mine was totaled in a hit and run. I met with Salesperson XXXX and Sales Manager XXXX XXXX. I explained my entire credit and finance situation and XXXX XXXX said he wanted to try to get me financed. I was given the car to drive for XXXX weeks on a dealer plate and dealer registration. Before I left, I provided all documents related to the financing. Approximately XXXX weeks later, I was called by XXXX and told my financing was approved by Global Lending Services. I arrived at the dealership. I was taken to the finance managers office. I was told my finance terms with the monthly payment amount, the due date and interest rate. A new plate with a temporary tag was put on and I was given the pink slip. Approximately XXXX weeks later, XXXX called and send Global Lending Services refused to find the deal and I had to return the car. I did, in good faith, attempt to work the issue out. However, I was threatened by GM XXXX XXXX, who said I would be sued, arrested and taken before the magistrate. I returned the vehicle after XXXX weeks of failed attempts to obtain financing. At no time was I ever told my loan contract was not finalized. I was told I was approved and " good to go. ". It's important to note I accepted a much higher paying job shortly after vehicle delivery, which was made known to Global Lending Services. I am the victim of " spot delivery '' and now I have no way to get to work. I have lost a lot of income.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Both Midwest Credit Management ( XXXX XXXX XXXX XXXX, XXXX ) and XXXX XXXX XXXX sued me and obtained garnishment despite me being on welfare and being a XXXX XXXX. I called them both but was ignored. I sent mail to them both but was ignored. I even sent email to them but was ignored. I told them I was a XXXX XXXX  on welfare. The XXXX XXXX XXXX XXXX not only allowed the suit, they supported and facilitated it. Their employees were repeated belligerent to perform their state administrative court approved duties and the duties they were appointed to perform. Their employees were abusive, dismissive, and gaslighting. The judge insulted me in court and cut me off repeatedly implicitly telling me to shut up, XXXX XXXX. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: IL

Complaint narrative:
I submitted an FTC Identity Theft Report and documentation to Equifax regarding a fraudulent account " XXXX XXXX '' Equifax 's response letter stated that the account is " Not currently reporting '' but did not confirm whether it has been blocked under FCRA 605B as required. Under FCRA 605B when a consumer submits an identity theft reports, the credit agencies is required to block the disputed tradeline from appearing on the file. Equifax has failed to provide clear confirmation of the block, leaving me uncertain whether the account is permanently suppressed which is the law according to the FCRA 605 B or is it subject to reinsertion. I am requesting that Equifax comply with it's obligations under 605B by 1. Confirming in writing that the XXXX XXXX Account has been blocked under FCRA 605B, and 2. Ensuring that the item will not be reinserted without proper certification and written notice to me. 
Equifax 's vague response has caused ongoing stress and uncertainty, and I request CFPB assistance in having Equifax properly apply the law. 

Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: FL

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
This is a follow-up complaint against Comenity Bank XXXX now operating as Bread Financial. They continue to report under their old name instead of their current legal name, and inaccurate information is still appearing on my credit reports. This violates the Fair Credit Reporting Act, specifically FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or should know is inaccurate.

Bread Financial, formerly Comenity Bank, is also reporting on accounts they no longer have authority over. These accounts were sold or transferred to a debt buyer before the rebrand, yet they continue to report as if they still control the accounts. This is misleading and deceptive, in violation of the Fair Credit Reporting Act, FCRA 623 ( b ), which requires investigation and correction of disputed information, and the Fair Debt Collection Practices Act, FDCPA 807 ( 14 ), which prohibits a company from using any name other than its true business name.

I request that Bread Financial immediately update all reporting to reflect its true legal name, remove all inaccurate and outdated reporting, and cease reporting on accounts that were sold or transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
OneMain XXXX XXXX has been notify there is open credit card account under my legal name without my permission. 
This is fraudulent account and constitutes identity theft. I contacted their customer service department regarding this matter. Unfortunately the issue remains unresolved, and this unauthorized account is still being reported under my name. I would like this matter resolved with all accounts closed immediately and reported correctly to three credit bureaus. I never received a card from as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America has repeatedly withdrawn money from my PERSONAL checking account ( ending XXXX ) without my authorization and applied it toward a BUSINESS credit card ( ending XXXX ). These transactions were labeled as offset payments. 

The offsets include : - XX/XX/XXXX {$320.00} - XX/XX/XXXX {$1300.00} - XX/XX/XXXX {$660.00} - XX/XX/XXXX {$310.00} - XX/XX/XXXX ( pending ) {$630.00} Total : {$3200.00} improperly taken. 

I never authorized Bank of America to debit my personal deposit account to pay this business card. No written authorization exists, which violates the * * Electronic Funds Transfer Act ( 15 U.S.C. 1693e ) and Regulation E. * * If Bank of America claims these were setoffs, they have failed to produce any signed personal guaranty or agreement that allows them to take funds from my personal checking for a business debt. Without contractual authority and mutuality, this setoff is improper.

I requested documentation from Bank of America ( deposit agreement section, business card agreement, and any guaranty ) and they have not provided it.

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 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Self Financial Inc.
State: CA

Complaint narrative:
Self bank or also known as lead bank Sent me an annual fee I was not aware of it They sent emails that I didnt have access to They never called my phone or sent me mail Now the past due notice hit my account I monitor my credit and have worked hard on it And now all of a sudden this has made a huge hit and they didnt try to resolve before reporting I tried talking to their chat support Its only ai They supposedly give a path to resolve issues but I cant find the link or anywhere where I can directly communicate or file a legitimate complaint I want this resolved and they dont have anyway of helping

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To Whom It May Concern, I am writing in response to your claim that I owe a debt. This is not a refusal to pay, but a request made pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) for validation of the debt.

Until you provide the above, you must cease all collection activity, including reporting to credit bureaus, as required by federal law. 



Please be advised that I am keeping detailed records of all correspondence regarding this matter and will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General if my rights are violated. 



Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
Name : XXXX XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account number : Bank : XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX I dont recognize the following account in question. Im a victim of identity theft and I dont recognize the account on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. I also contacted the Federal Trade Commission and made a complaint about the matter my complaint number is XXXX. 


Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: Global Lending Services LLC
State: VA

Complaint narrative:
Cease and Desist / Dispute of Unauthorized Credit Inquiries From : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX XXXX XXXX XXXX XXXX  Cc : Global Lending Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Subject : Formal Dispute & Cease and Desist Removal of Unauthorized Credit Inquiries To Whom It May Concern, This letter serves as my formal dispute and cease-and-desist request regarding unauthorized and negative credit inquiries currently being reported on my consumer credit file.

The disputed inquiry is as follows : Creditor/Business : Global Lending Services Business Type : Auto Financing Companies Inquiry Date to Be Removed : XX/XX/XXXX Scheduled Removal Date : XX/XX/XXXX I did not authorize this inquiry, nor was any written consent or permissible purpose provided as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. The continued reporting of this inquiry is inaccurate, misleading, and damaging to my credit profile.

DEMANDS Immediate Removal Permanently delete this unauthorized inquiry from my credit file.

Verification of Authorization Provide documented proof that I granted written authorization for this inquiry. If no such proof exists, the inquiry must be deleted immediately.

Cease and Desist Global Lending Services, and any other entity reporting unauthorized inquiries, are hereby directed to cease and desist from making or reporting inquiries without my express written consent.

Written Confirmation Provide written confirmation that this inquiry has been removed and that no further unauthorized inquiries will be made in my name.
NOTICE Failure to comply will constitute willful noncompliance with the FCRA. If this matter is not resolved within 30 days, I will escalate by filing complaints with the FTC, state regulators, and may pursue civil damages under federal law.

I expect written confirmation of removal and compliance within the time allowed by law.

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I made two purchases with the same merchant, XXXX, and after making these two purchases, I requested a refund for both of them. They were two separate transactions, two different amounts for two different movies that I had request a refund for. I received one of the refunds, but I did not receive the second refund and I could not understand why. So, I submitted a dispute on the second refund that I did not receive in hopes that Sofi bank could help me get my funds back into my account somehow I showed them proof of my Refund approval as well as my refund summary from AMC, but that was not enough for them and they were unable to help me because for some reason, the amount that I was being refunded did not match the amount that was taken from my account. I tried calling several times to dispute the amount but SoFi I could never get it right I escalated it but it did not help. They told me that I had to call XXXX to get it sorted. I told them that I had already reached out to XXXX and that I had already received proof of my refund and for some reason that was not enough for them to return my money or to process the dispute. I received notice that my dispute was rejected with SoFi claiming that I had already received the money when in reality they were referring to the first refund that I received and not paying attention to the fact that I was waiting for two refunds, and that was not the one I was referring to. After several times that calling Sofi I gave up I still have not received the refund and this was something that was returned on XX/XX/XXXX almost a month later and I have not received a refund which is strange and I have no word from Sofi on a resolution for this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I looked at my Experian 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 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: LEXISNEXIS
State: VA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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 checked my latest credit report and noticed multiple fraudulent accounts that do not belong to me and are damaging to my credit reports moving forward.

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 2025-08-24 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:
I checked my latest credit report and noticed multiple fraudulent accounts that do not belong to me and are damaging to my credit reports moving forward.

Company response to consumer: Closed with non-monetary relief