vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding my ongoing dispute with Westlake Financial Services and XXXX XXXX over a vehicle purchase that has yet to be fulfilled. 

On XX/XX/year>, I financed a vehicle through Westlake Financial Services from XXXX XXXX in Connecticut. Despite signing a contract, making a down payment of {$1500.00}, and securing a loan through Westlake, I have yet to receive the vehicle. I have made multiple attempts to resolve this issue, but both parties have failed to provide a solution. 

Key Issues : 1. Failure to Deliver Vehicle : XXXX XXXX has made continuous excuses for why the vehicle has not been shipped. Each time I follow up, the dealership provides a different reason for the delay. 
2. Westlake Financial Services Lack of Assistance : Although I have reached out to Westlake Financial Services multiple times regarding this fraudulent transaction, they have stated that they can not take action until XXXXXXXX XXXX provides an update. Meanwhile, I am being charged for a vehicle I do not have.

3. Revoked Business Status & F-Rating : After further research, I discovered that XXXX XXXX business license was revoked on the same day I purchased the vehicle ( XX/XX/year> ) and that the dealership has an F-rating with the BBB. This raises serious concerns about Westlake Financial Services failure to vet the businesses they finance and their unwillingness to assist in resolving fraudulent transactions. 
4. Unjust Financial Obligation : I have already made my first car payment for a vehicle I do not have. I am unable to cancel this contract and move forward with purchasing a reliable vehicle because Westlake refuses to take action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
To the best of my knowledge, for the record, I do not owe the alleged debt that this 3rd party company ( TRANSWORLD SYSTEMS I ) has specified. I have not been previously contacted by anyone about this alleged debt, and therefore I ask that you send me any and all information that they have on this debt. This would include all of the following : The original signed agreement with original creditors. All accounting records from the original creditors that I made this full charge. All statements, signed receipts to prove I made any and all these charges to this account. If not I would like it removed immediately from my credit report. Thank you for your help on this issue. 
{$1400.00} Open balance TRANSWORLD SYSTEMS I Original creditor XXXX Opened XX/XX/2024 XXXX XXXX XXXX ) Account status Open Type Responsibility Individual Remarks Original creditor name TRANSWORLD SYSTEMS I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of XXXX XXXXXXXX of XXXXXXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I have notified transworld numerous times that I am not XXXX XXXX. They keep saying they will remove me from their list but never do. She gave them my number. An easy lookup of her name online shows her real number as XXXX. This is one digit off from m my number. This has been going on for years and is harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I STRONGLY REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY DEPICT MY PAYMENT HISTORY. I HAVE CONSISTENTLY MADE TIMELY PAYMENTS, AND IT IS UNACCEPTABLE TO HAVE THIS ERRONEOUS ENTRY LISTED. KINDLY UPDATE MY ACCOUNT PROMPTLY.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-04 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing a complaint against Cash App (

Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: LA

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2025-02-04 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:
I have not supplied under the doctrine of estoppel by the silence of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXT XXXX acct # XXXXXXXX XXXX  acct # XXXX, XXXX XXXXXXXX XXXX acct # 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 2025-02-04 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX, XXXX acct # XXXXXXXX XXXX XXXX XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXXXXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXXXXXX XXXX XXXX XXXX XXXXT XXXX acct # XXXXXXXX XXXX  acct # XXXX, XXXX XXXXXXXX XXXX acct # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following transaction in question. Im a victim of identity theft and I dont recognize this transaction 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. 


Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX agreed to waive a balance of {$330.00} after failing to provide proof that I owed the amount. I have a written email confirmation from XXXX acknowledging this waiver, and an updated statement reflecting a {$0.00} balance. 

Despite this, on XX/XX/XXXX, I received a collection notice from Genesis Credit attempting to collect this invalid debt. I spoke to a representative named Bill, who was rude and dismissive, stating that they would NOT remove this debt, although I explained that this was waived by XXXX. He LITERALLY STATED, " NOT GOING TO HAPPEN, these things are not waived and if you don't have an updated ledger, you still owe. '' Despite the documented agreement from XXXX I attempted to inform him about, he accused me if overtalking him and I ended the call. 

Genesis Credit 's actions violate the Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e ( 2 ) ( A ), which prohibits misrepresenting the amount or legal status of a debt, and the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681s-2, which requires accurate reporting of debt information.

I am requesting that : Genesis Credit immediately cease collection efforts on this invalid debt.

Genesis Credit confirm in writing that the account has been closed with a {$0.00} balance. 
XXXX XXXX XXXX update its records and provide written confirmation that this debt is waived. 
Neither Genesis Credit nor XXXX XXXX XXXX report this debt to any credit bureaus. 
If this matter is not resolved, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

I expect a written resolution confirming that this issue has been corrected. 

Desired Outcome : Immediate closure of the account with a {$0.00} balance Written confirmation of resolution No reporting of this invalid debt to credit agencies Attachments : ( Attach the email from XXXX XXXX XXXX confirming the waiver )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital one had a past due balance of {$7.00} and some change that I was unaware existed because the account had been closed. Once account is closed, no further contact is made. I had no idea this was past due or I would have paid it. I didnt know the {$380.00} was there either because once the account is closed nobody contacted me and it kept building fees that I couldnt see.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date

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 2025-02-04 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: TN

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-02-04 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: CT

Complaint narrative:
EQUIFAX continues to violate several provisions of the Fair Credit Reporting Act ( FCRA ) by failing to remove fraudulent account from my credit report despite my prior complaint. Under Section 611 ( a ) of the FCRA, credit reporting agencies are required to conduct a reasonable investigation within 30 days of a dispute being filed and correct or delete inaccurate information. Despite this legal requirement, EQUIFAX has taken no corrective action to resolve the fraudulent accounts on my report. By failing to act, Equifax is in clear violation of its duty to ensure the accuracy and completeness of consumer information as mandated by Section 607 ( b ).

Additionally, Section 605 ( a ) prohibits the reporting of inaccurate and unverifiable information on consumer credit reports. EQUIFAX 's continued reporting of these fraudulent accounts constitutes a direct violation of this provision. These failures harm my credit standing and undermine my consumer rights as protected by the FCRA. By disregarding my dispute and allowing fraudulent information to persist, EQUIFAX demonstrates a pattern of negligence that is contrary to the fundamental principles of accurate and fair credit reporting required under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation