vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: MO

Complaint narrative:
Starting back when I purchased the vehicle from XXXX XXXX in XXXX XXXX, MO they put the car loan through XXXXXXXX XXXX XXXXXXXX XXXX. In XXXX oXXXX XXXX  I spoke with a customer service Representative and they claimed they would look into our account per the ACH charges because they were trying to pull money out of an account they were made aware that was closed. XXXX XXXX  was receiving their payments in full via XXXX XXXX. However, before they stood liable to fix their ACH and false Late Fees they were adding to the account they sold the account to Westlake Portfolio. In XX/XX/year>, I spoke with XXXX from Westlake Portfolio. XXXX reassured me that the paperwork was put in to take care of all the added fees and fines and that everything was squared away and no need to worry or stress. However, when reviewing our payment history we requested via Westlake Portfolio we noticed that was false. I have spoken to XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and now XXXX in regards to all of these issues. XXXX requested that the account be reviewed and all late fees and ACH charges be put to the principal of the car and to get the mistakes XXXXXXXX XXXX  made squared away. However after 2 weeks of that request being submitted and multiple hours on the phone, I have not gotten anywhere because they refuse to transfer me to a higher power. They are stating they can not make a settlement with me to pay my car off. The interest has been completely paid off as well and I am being told I will be charged {$1.00} per day. Also, XXXXXXXX XXXX  made false allegations towards my credit report hurting my credit score as well. I have been fighting for almost a year to get all these issues resolved yet somehow I am still struggling to get anywhere with these people and get the issues resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-10-09 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-10-09 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: NC

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Chime Financial Inc
State: NY

Complaint narrative:
I called chime card services to try to resolve my XXXX dollar debt and pay over the phone but they did not seem to be helpful and that said there is no way to pay and I had to contact credit bureau. And they keep reporting this account even though I been trying to pay it. So I dont know what else to do to get this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc
State: TN

Complaint narrative:
I am disputing the handling of my account related to an emergency room visit at XXXX XXXX XXXX on XX/XX/XXXX. The balance of {$990.00} was paid in full by XXXX XXXX XXXX on XX/XX/XXXX. Despite multiple attempts on my part to provide proof of this payment, XXXX failed to acknowledge or properly post it, and wrongfully referred my account to collections. I provided the same proof of payment to the collections agency ( Professional Credit Management , Inc. ), however, they have continued collection activity and reported this debt to the credit bureaus, causing me harm. 

Timeline of Events : XX/XX/XXXXXXXX XXXX XXXX visit at XXXX XXXX XXXX after car accident. 
XX/XX/XXXX XXXX XXXX XXXX paid {$990.00} electronically. 
XX/XX/XXXX XX/XX/XXXX Proof of payment sent to XXXX multiple times, no resolution. 
XX/XX/XXXX Account wrongfully referred to collections ( Professional Credit Management ). 
XX/XX/XXXX Proof of payment sent to Professional Credit Management via USPS and email, no resolution. 
XX/XX/XXXX Collection account wrongly reported to credit bureaus, harming credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
b"I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.\nXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
b"I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.\nXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCSPLUS INCORPORATED
State: CA

Complaint narrative:
NCSPLUS INCORPORATED are claiming that I owe them {$1000.00} for a traffic fine in XXXX. I am disputing the validity of this debt for multiple reasons. 
First, civil penalties from foreign countries are not enforceable in the United States. A traffic fine is a civil penalty. Therefore this is not a legal collection by NCSPLUS.

Second, NCSPLUS have refused to provide any evidence that I was driving the car.

Third, I was never notified of this claim until this appeared on my credit report.

XXXX  removed this from my credit report as soon as I alerted them to the above information. However, XXXX  is refusing to do. I want NCSPLUS to withdraw their claim and for XXXX  to remove this from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding Equifaxs inaccurate and inconsistent reporting of an XXXX XXXX charged-off account, despite clear discrepancies and questionable data. 
XXXX : XXXX XXXX. 
Equifax Report Date : XX/XX/XXXX Date Opened : XX/XX/XXXX Original Credit Limit : {$20000.00} Charge-off Amount : {$17000.00} Reported Balance : {$16000.00} Past Due Amount : {$16000.00} Date of First Delinquency ( DOFD ) : XX/XX/XXXX Date of Major Delinquency Reported : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Date Reported : XX/XX/XXXX Account Status : Closed / Charged-Off Comments : Consumer Disputes After Resolution Charged Off Account Fixed Rate I previously disputed this account. Equifax is continuing to report this tradeline with internal inconsistencies and misleading data : Specific Issues 1.Inaccurate Past Due on a Closed Charged-Off Account The account is clearly reported as closed and charged off, yet Equifax continues to display a {$16000.00} past due amount. Under FCRA 607 ( b ), CRAs must follow reasonable procedures to assure maximum possible accuracy. Reporting a past due amount on a charged-off/closed account is misleading because no scheduled payments remain. 
2. Inconsistent Delinquency Timeline DOFD is listed as XX/XX/XXXX. 
Major delinquency is not reported until XX/XX/XXXX 17 months later. 
A last payment is being reported as XX/XX/XXXX, which is nearly two years after first delinquency. 
This sequence suggests either incorrect DOFD, erroneous payment activity, or improper aging. Under FCRA 611 ( a ), a reinvestigation should have clarified these discrepancies yet Equifax verified without correction. 
XXXX. Balance & Payment Reporting Conflicts Account is closed and charged off. 
Yet Equifax reports actual payment amount {$520.00} on XX/XX/XXXX as if recent activity exists. 
There is no balloon payment structure in the original loan, yet balloon payment fields are filled in. 
These inconsistencies affect credit scoring models and the way this derogatory is aged and factored, constituting failure to maintain maximum accuracy ( 607 ( b ) ).

4. Incomplete or Insufficient Reinvestigation My previous dispute returned with a generic Consumer disputes after resolution comment. No Method of Verification was provided under 611 ( a ) ( 6 ) ( B ) ( iii ). I was not told how the account was verified, what records were used, or why these conflicting data points remain. 
XXXX. Furnisher Responsibility If XXXX XXXX can not support these figures and timelines with actual records, then under 623 ( a ) ( 1 ) ( A ), they should not be furnishing this information at all. Continuing to report unverifiable, inconsistent data violates their duties as a furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
Subject : Complaint Against PayPal for Unjust Holding of Funds Dear Consumer Protection Board, I am writing to file a formal complaint against PayPal regarding the unjust withholding of my funds. My account was compromised due to a hack on XXXX, which led to multiple disputes being filed. 

Despite my repeated attempts to resolve the matter, PayPal has informed me that I must wait between 120 to 180 days for the release of my funds. This extended delay has caused severe hardship, as it has resulted in the disconnection of essential utilities, and it has significantly impacted my daily life. 

I kindly request your assistance in investigating this matter and ensuring that PayPal expedites the release of my funds. Your intervention would greatly alleviate the financial strain I am currently experiencing. 

Thank you for your attention to this urgent matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: AZ

Complaint narrative:
I contest the inclusion of accounts lacking my authorization. Kindly undertake a detailed audit and remove these items. Supporting evidence is enclosed.

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 2025-10-09 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: MI

Complaint narrative:
My credit report contains inaccurate and negative information, including unauthorized accounts and inquiries, duplicate employer entries, and outdated addresses. These errors violate the FCRA ( 607 ( b ), 611 ), which requires accuracy and proper reinvestigation. Despite prior disputes, they remain on my file and harm my credit standing. I request that the CFPB ensure credit bureaus and furnishers promptly remove all inaccurate items and inquiries, correct or delete erroneous personal details, and maintain only accurate, verifiable, and current information on 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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-10-09 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: VA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: OH

Complaint narrative:
On XXXX I paid my mortgage to XXXXXXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, Ohio XXXX. I normally pay my mortgage at a different XXXXXXXX XXXX location. I decided to use this location because it's closer to my house and I was running errands in the area that day. The teller processed my payment for {$550.00} and my mortgage is {$750.00} total. The teller didn't say my payment was short. This prompted me to have to file a police report due to missing funds. It was investigated and I ended up borrowing money that I didn't have to pay for missing funds caused by the teller. I'm on a fixed income and I have never missed XXXX payment with my mortgage and I've never been late in the XXXX years since I've moved in my house. This has caused added pain and suffering to my credit reports for late fees that were not caused by any negligence on my behalf. I have made every payment to the mortgage company in a fair and just manner. This needs to be investigated further. Failure to properly apply payments as of the date received, would be in violation of 12 CFR ss 10267.36 ( c ) ( 1 ). I'm asking for the credit bureaus and my mortgage servicer to properly review this situation and correct it. Under 12 CFR ss 1024.35 ( e ) they are required to investigate and respond in writing within 30 business days from receipt of this dispute.

Company response to consumer: Closed with non-monetary relief