vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Dear CFPB, I am writing to formally dispute Westlake Financials response to my complaint. Their letter contains statements that are inaccurate, incomplete, and fail to address the legal violations in the repossession and reporting of my account. 

1. Failure to Provide Proper Notice Under UCC 9-611 & 9-613 Westlake claims to have sent a Notice of Intent to Sell on XX/XX/XXXX. I never received such notice. Under UCC 9-611 and 9-613, the creditor must prove that proper notice was actually delivered in a timely manner, not merely that it was generated. Additionally, the notice must contain specific information, including the exact date, time, and method of sale, along with a complete breakdown of my right to redeem the vehicle. Westlake has failed to provide verifiable proof of delivery or compliance with these statutory requirements. 


2. Improper Calculation of Deficiency Balance Westlakes calculation shows a deficiency of {$12000.00}, yet they have not provided detailed, itemized documentation of all fees, charges, and sale-related expenses as required by law. Under UCC 9-616, the creditor must provide a post-sale accounting that allows the debtor to verify every deduction. Without transparent proof, this amount is disputed as inaccurate.

3. Unfair and Questionable Sale Price Westlake states the sale price of {$12000.00} reflects fair market value. This is disputed. A XXXX XXXX XXXX in good condition typically sells for far higher, even wholesale. Under UCC 9-610 ( b ), the creditor is required to dispose of the collateral in a commercially reasonable manner. The sale price provided indicates possible underpricing, which directly increases the alleged deficiency balance.

4. Violation of the Fair Credit Reporting Act ( FCRA ) Westlake admits that my credit report showed an inflated balance before the sale and states that they are processing the updated balance. This means they knowingly furnished inaccurate information to credit bureaus, in violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits reporting information they know or have reasonable cause to believe is inaccurate. They must immediately correct and delete all inaccurate entries.

Requested Action : I respectfully request that CFPB require Westlake Financial to : Provide documented proof of proper and timely notice under UCC 9-611 and 9-613.

Provide a fully itemized accounting under UCC 9-616.

Provide documentation proving that the vehicle was sold in a commercially reasonable manner under UCC 9-610.

Immediately correct or remove all inaccurate credit reporting in compliance with the FCRA.

Until Westlake provides verifiable proof of compliance with these laws, I dispute the validity of the deficiency balance and the accuracy of any related credit reporting. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-08 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: FL

Complaint narrative:
RE : Formal Dispute of Inaccurate Reporting Violation of FCRA & Metro 2 StandardsAccount Name : XXXX XXXXAccount Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EOSCAR CODE : XXXX Not his/hersEOSCAR CODE XXXX XXXX Claims inaccurate informationEOSCAR CODE : XXXX Claims account closed by consumerEOSCAR CODE : XXXX Claims account status incorrect ISSUE I am disputing the accuracy, completeness, and compliance of the reporting of the above-referenced account. My credit files show inconsistent and conflicting information between TransUnion, Experian, and Equifax regarding : * High Balance ( Reported as {$480.00} by TU/EQ but {$0.00} by EX ) * Credit Limit ( Reported as {$300.00} by TU/EX but {$0.00} by EQ ) * Date of Last Activity ( Reported as XX/XX/XXXX TU, XX/XX/XXXX EX, XX/XX/XXXX EQ ) * Account Type & Status ( Reported as both Open/Revolving and Closed/Charge-off simultaneously ) * Payment History ( Reporting differs in months, severity, and sequence ) These inconsistencies can not all be accurate under FCRA 1681e ( b ) and violate Metro 2 reporting standards, which require uniformity across all CRAs. 

LAW FCRA Violations : * 1681e ( b ) Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 
* 1681i ( a ) CRAs must conduct a reasonable reinvestigation and delete or correct information that is inaccurate, incomplete, or unverifiable. 
* 1681s-2 ( b ) Information furnishers must verify all data with documented proof and correct or delete unverifiable information. 
Metro 2 Compliance Violations : * Inconsistent Date of Last Activity is a direct violation of the Base Segment, Field 25 standard. 
* XXXXeporting a High Balance of {$0.00} while showing a Balance Owed is a violation of Field 17 accuracy requirements. 
* Contradictory account status codes ( closed vs revolving ) violate Account Status Code rules.

HARM TO CREDITWORTHINESS The current false reporting artificially : * Increases my credit utilization percentage, lowering my score. 
* Shows false late payments and derogatory statuses, lowering my payment history factor. 
* Causes denials of credit opportunities and higher interest rates, constituting financial harm under UDAAP. 

DEMAND FOR CORRECTION Under FCRA 611 and 623, I demand : 1. A full reinvestigation with original source documentation.

2. If 100 % verification with supporting documents is not possible, delete the account entirely from all CRAs.

3. Provide copies of all verification records, payment history, charge-off calculations, and signed contracts.

If not corrected within 30 days, I will escalate this matter to the CFPB, FTC, and my State Attorney General for enforcement action. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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 am not the owner of these accounts ; remove them within 15 days per USC 1681g.

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 2025-08-08 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-08 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
WFBNA Auto is furnishing inaccurate and inconsistent information about my auto loan account to multiple consumer reporting agencies ( CRAs ), including XXXX  and XXXX. 
The tradeline is reported as a charge-off, yet it contains contradictory dates, missing data fields, and prior dispute notations without proper correction all in violation of the Fair Credit Reporting Act ( FCRA ) 623 and XXXX XXXX reporting guidelines. 

Details of the Complaint Creditor : WFBNA Auto Partial Account Number : XXXX Account Type : Installment ( Auto Loan ) Status : Charge-off ( disputed ) Specific Reporting Violations Date Opened Discrepancy XXXX  reports Date Opened as XX/XX/XXXX. 

XXXX  reports Date Opened as XX/XX/XXXX. 

These dates can not both be correct. 

Date Last Active ( DLA ) Mismatch XXXX  reports XX/XX/XXXX. 

XXXX  reports XX/XX/XXXX. 

This is a material inconsistency that affects credit scoring models and account aging. 

Last Reported Date XXXX XXXX  shows XX/XX/XXXX. 

XXXX  shows XX/XX/XXXX. 

Incomplete Charge-off Reporting Per XXXX  XXXX standards, a charge-off must include the current balance, original balance, and Date of First Delinquency ( DOFD ). 

Both XXXX  and XXXX  show a Charge-off but list no balance and omit the DOFD. This is misleading and incomplete.

Failure to Correct After Prior Dispute Both CRAs display the notation : Completed investigation of FCRA dispute consumer disagrees. 

Despite this prior dispute, WFBNA Auto has continued to furnish data that is inconsistent and unverifiable. 

Harm Caused These inaccurate and incomplete reports are causing significant harm to my creditworthiness, lowering my credit scores, and misrepresenting my payment history to potential lenders. The presence of an unsubstantiated charge-off is especially damaging. 

Violations FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishing information known or reasonably believed to be inaccurate.

FCRA 623 ( b ) Requires a reasonable investigation of disputes and correction/deletion of unverifiable data.

FCRA 611 Requires CRAs to ensure furnished information is accurate and complete. 

XXXX XXXX Reporting Standards Require proper date, balance, and status field reporting for charge-offs.

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 2025-08-08 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 writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-08 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: TN

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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

2. 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? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe. 5. Any other documen
tation 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 2025-08-08 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 assert that these accounts do not belong to me and may result from fraud. Im requesting their deletion from my credit file and an investigation into their origin. Documentation is provided.

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 2025-08-08 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
CEASE & DESIST LETTER CFPB COMPLAINT BODY XXXX XXXX LVNV Funding LLC ) To : LVNV Funding LLC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding Collection Account Account Number ( as reported ) : XXXX Reported Balance : {$930.00} USD Date Opened : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FORMAL CEASE & DESIST REQUEST & VALIDATION DEMAND UNDER 15 USC 1692c ( c ) & 1692g To whom it may concern, This letter serves as my formal dispute and Cease & Desist request regarding the collection account you are reporting on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am demanding that you : Cease all collection communications immediately, in compliance with 15 USC 1692c ( c ).

Provide complete and verifiable validation of the alleged debt, including : Copy of the original signed contract with the original creditor.

Full chain of title proving legal assignment of the debt to your company.

Full account history, including itemized statements and charge-off documentation. 

To date, you have failed to provide such documentation, yet you continue to report this alleged account to the credit bureaus, negatively impacting my credit score. 

If you can not legally validate this debt as required by law, I am demanding that you immediately delete this tradeline from all credit reporting agencies ( XXXX XXXX XXXX XXXX ). 

This is a final notice that I do not wish to be contacted by your office via phone, mail, or email unless you are providing the documentation required for legal validation. Continuing to report unvalidated debt is a violation of federal consumer law and may result in legal action. 

Thank you for your cooperation. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services XXXX block 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name 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 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 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 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 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

Company response to consumer: Closed with non-monetary relief