vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ).

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights.

I am disputing the following negative items, which I strongly believe may be linked to a data breach : Name : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Employers : XXXX XXXX XXXX XXXX  I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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: FL

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing in response to the explanation provided by Midland Credit Management regarding my complaint. Their response does not adequately address my concerns and fails to comply with federal law. I am formally demanding a full validation of this debt, including all legally required documentation. Additionally, I am raising concerns regarding potential tax implications due to the manner in which this debt is being reported. While I appreciate their acknowledgment of my concerns, their response fails to address several key issues : 1. Lack of Proper Notification : The company states that they mailed a validation letter on XX/XX/year>. However, I never received this letter, and they have not provided any proof of delivery. Simply stating that it was not returned as undeliverable does not satisfy my right to proper notification under the Fair Debt Collection Practices Act ( FDCPA ).

I request verifiable proof that I was properly notified, including tracking information or a signed acknowledgment of receipt.

2. Consent for Debt Transfer : I did not consent to the transfer of my account, and the company has not provided any documentation proving that I was informed or that my rights were upheld in this process. 
While I understand how charge-off works, the company must still adhere to legal requirements when transferring a debt to a third party. 
3. Insufficient Verification of Debt : The company claims to have enclosed verification information, but they fail to provide a full payment history, original contract, and a clear breakdown of how the balance remains the same as the purchase amount despite any prior payments made. 
I formally request a complete validation of this debt, including the original signed contract, a full payment history, and all relevant account records.

4. Failure to Address Consumer Rights Violations : The response does not address whether proper disclosures, notices, and legal obligations were met when handling my account. I believe my rights under the FDCPA and other consumer protection laws may have been violated.

If the company can not provide the requested validation documents and proof of proper notification, I request that this debt be removed from my records and that all collection efforts cease immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX. I traveled back to my home base in XXXX XXXX the same day. When I arrived that evening, I noticed the door on the drivers side and the passenger rear was not working properly. On XX/XX/XXXX, I took it to a local XXXX dealership in XXXX XXXX where it was discovered that the actuator and several other things were not up to safety standards such as the subframe being damaged. These were never discussed during the process of purchasing the vehicle. Another deceptive practice was when the finance associate advised me to lie on the loan application which I didnt do. I can provide documentation from another certified XXXX dealership and two reputable collision centers for these damages. I have contacted the used car sales manager from XXXX XXXX XXXX. He has been very unprofessional regarding the matter and taking it as a joke. He has used patronizing language like XXXX already been paid buddy. Im wanting to dissolve this transaction and get my {$3000.00} down payment refunded. Additionally, The financial institution Westlake financial has been very unhelpful and is gatekeeping me from doing a fraudulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IA

Complaint narrative:
I took out a student loan back in about XXXX. I took out XXXX apx. I have been paying on this loan for over 10 years now at about {$470.00} a month. I have no paid over $ XXXX on this loan and I owe more than when I took out the loan. I owe now about $ XXXX. They said that I did a 24 month forbarence 10 years ago but if I did that with 24 payments than that is about XXXX making what I owe about XXXX. Again, I have been paying for over 10 years and I have paid over XXXX back to this loan and I STILL OWE XXXX now! I told the company that this makes no sense! I have paid this loan off 2 times over now. They are NO help and will not discuss fees or anything. They said I will have to pay until XXXX! That would be a total of an ADDITIONAL {$85000.00}!!! So by the time this XXXX is paid back that I borrowed I will be paying this company well over $ XXXX! How is this ok?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Hi My Name is XXXX XXXX Bank Of America, He closed my credit card account and my bank account without giving me any explanation. I have always kept my credit in a very good score. I have been responsible for my payments on time, maintaining my credit between XXXX and XXXX for years, approximately XXXX months now, my credit XXXX to XXXX in XXXX fell swoop, which alarms me. I need protection and to know what is happening with my credit. Thank you very much.

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 2025-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-02-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I was paying for Experian for quite sometime {$25.00} a month and it was still showing stuff that had been paid and closed as open and things have not come off my 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 2025-02-12 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 am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a through investigation.

This practice violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings ( File No. XXXX ) against them for similar violations.I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681

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 2025-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake management vs Westlake bank. Westlake bank stated that they do not have any business with my car. I purchased my vehicle from us auto which closed abruptly and also filed bank ruptxy. Us auto told me that they were a company to help you get back on track and that if I stayed with their program for a year no missed payments I can be reviewed for a lower payment. The car is breaking down and the engine is no good. They are not honoring any of the warranty. I tried to trade it and the car is valued at XXXX XXXX XXXX XXXX XXXX XXXX in it. I asked for my documents and no one can give me them. I have to speak with people who barely speak XXXX or they speak in a dialect of XXXX. I have been asking for who holds my note., or can the amount owed be lowered so that I can trade the vehicle and then they say they just manage it, they can't make that decision, however I kept paying for this car and I need another one. I am being ignored and ultimately will be forced into bankruptcy or having to give the car back. Theyrepeat that they are just servicers beyond that they have no power. If they can not make decisions on the vehicle who can. Who owns my note. If there is a violation here in my contract which I do believe exists. I would like them to zero out the balance and provide me with the title. The place I purchased the car from us auto filed bankruptcy in US district court. What did the bankruptcy include as I am still paying money to this place that does not exist and holds my note. I want the title as I have paid on time for almost three years. This car has XXXXXXXX XXXX on it and the engine is gone. They have left me with no options, just a bunch of accents behind a phone number associated with Westlake management, which is not Westlake financial

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
this account it sold already to 3 different collection company and all 3 with different amount. this account it delete from my cretid report and still come back months laters. i contact XXXX XXXX in XXXX XXXX and is not show anything from me this collection affect my cretid when i am not responsible for any amount i want to this get out of my cretid ASAP please

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 2025-02-12 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-02-12 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: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. 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 2025-02-12 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Account Information Date of First Delinquency, Last Payment, and Charge-Off Dear XXXX, I am writing to request specific information regarding an account listed on my credit report. I am not requesting deletion of the account but would like clarification on the following details for my records : Date of First Delinquency Date of Last Payment Date of Charge-Off Below are the details of the account in question : Creditor Name : XXXX XXXX  Account Number : Not Available Please provide this information in writing at your earliest convenience. If any additional information is required to process my request, please let me know. 

Thank you for your time and assistance. I appreciate your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-02-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Account Information Date of First Delinquency, Last Payment, and Charge-Off Dear Experian, I am writing to request specific information regarding an account listed on my credit report. I am not requesting deletion of the account but would like clarification on the following details for my records : Date of First Delinquency Date of Last Payment Date of Charge-Off Below are the details of the account in question : Creditor Name : XXXX XXXX  Account Number : Not Available Please provide this information in writing at your earliest convenience. If any additional information is required to process my request, please let me know. 

Thank you for your time and assistance. I appreciate your prompt attention to this matter. 

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 2025-02-12 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: FL

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Charge-Off XXXX XXXX  ( Account # XXXX ) I am filing this complaint regarding an inaccurate charge-off entry on my credit report from XXXX XXXX  ( Account XXXX XXXX ), which shows a balance of {$2500.00} and is incorrectly reported as " charged off '' as of XX/XX/year>. 

Key Points : Violation of FCRA : Under FCRA 15 U.S.C. 1681s-2 ( a ), creditors must report accurate information. If this charge-off is inaccurate or unverifiable, it must be deleted. 

I demand that XXXX XXXX provide documentation proving the accuracy of this charge-off. 

As per FCRA 15 U.S.C. 1681i, if Experian can not substantiate the information, it must be deleted. 

CARES Act Compliance : Under the CARES Act ( Pub. L. 116-136, Section 4021 ), creditors are required to report accounts as current during periods of financial hardship if requested. I demand verification that XXXX Bank complied with this law and reported my account correctly during the pandemic. 

Legal Precedents : In XXXXXXXX XXXX XXXX, the court ruled that unverifiable information must be deleted. 
XXXX v. XXXX supports that improper debt validation requires removal. 

Actions Requested : Immediate removal of the charge-off entry from my credit report. 

If the entry is not removed, I demand that Experian provide documentation proving that XXXX XXXX has validated the charge-off in accordance with the FCRA and CARES Act. 

If this issue is not resolved within 15 days, I will take further legal action under FCRA 1681n & 1681o, as well as file complaints with the FTC and the Florida Attorney General.

I request that this matter be investigated promptly and that I be notified of the outcome. 

Thank you for your assistance.

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 2025-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I use to have a credit score with all 3 major credit bureaus. My credit score disappeared from my Experian report, and they clam it because i have limited credit. I checked with my creditors and they say that they are sending Experian a report monthly, and it should be showing up on my report, but Experian is still not showing anything

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