vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: VA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Westlake Financial regarding my auto loan for a XXXX XXXX XXXX due to an excessively high annual percentage rate ( APR ) of 22.89 % and the company 's refusal to work with me despite financial hardship. 

Loan Details : - Vehicle : XXXX XXXX XXXX - Lender : XXXX XXXX - XXXX Term : 72 months - Date of Purchase : XX/XX/XXXX- XXXX : 22.89 % - Monthly Payment : {$700.00} - Daily Interest Charge : {$14.00} - Interest Paid Monthly : {$420.00} - Amount Applied to Principal : {$270.00} Attempts to Request a Lower XXXX : - In XXXX or XX/XX/XXXX, I contacted Westlake Financial to request an XXXX reduction due to financial hardship, but they refused to negotiate. 
- On XX/XX/XXXX, I contacted them again to discuss lowering my APR. I was again denied and was told my only option was to seek another lender to refinance. 
- Due to my current unemployment status and creditworthiness, refinancing through another lender is not an option for me. 

Westlake Financials unwillingness to work with me, despite my financial hardship and reasonable attempts to renegotiate, raises concerns about unfair lending practices and lack of consumer protection. The high XXXX and excessive interest payments make it difficult for me to maintain financial stability, and I am seeking assistance in reviewing whether these practices align with consumer protection laws. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and determine whether Westlake Financial is engaging in predatory lending practices. I also seek guidance on potential remedies or options available to borrowers in my situation. 

Thank you for your time and attention. I appreciate your assistance in addressing this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: IL

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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. Please remove the following items from my credit report, immediately : First progress card

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 2025-03-07 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: OH

Complaint narrative:
Previous complaint #. XXXX. XXXX did NOT address why I have a 30 day hit on my Credit Bureaus from XX/XX/year>. This should not be there especially with the explanation that was previously given. I have not been 30 days past due and this needs to be removed. I have spent the past 5 months trying to get this rectified.

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 2025-03-07 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: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2025-03-07 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: UT

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 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 2025-03-07 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: UT

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 non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRSTBANK PUERTO RICO
State: NY

Complaint narrative:
I am not liable for this debt with FIRSTBANK PR. I do not have a contract with FIRSTBANK PR, they did not provide me with the original contract as I requested.correction to my credit report, I demand this account be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: MI

Complaint narrative:
Id really appreciate it if you could quickly take off the fraudulent items from my credit report given the circumstances and fix any inaccuracies or fraud. This is the umpteenth time Im reaching out for your help. Ive attached documents from the relevant authorities that back up my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Capital One XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : XXXX Adjustment Request Account # XXXX Dear Capital One Customer Service, I hope this letter finds you well. I am writing to sincerely apologize for my recent late payment on my Capital One account ( # XXXX ). I take full responsibility for the oversight and deeply regret any inconvenience it may have caused. 
I have been a loyal and responsible customer, and I truly value my relationship with Capital One. Unfortunately, due to hard times with my family and XXXX, I also lost my vehicle in the process I went through unexpected financial hardship, I was unable to make my payment on time. However, I want to assure you that this was not intentional, and I have since brought my account current. 
I understand the importance of making timely payments and have taken the necessary steps to ensure this does not happen again, including setting up payment reminders and automatic payments. Given my history of responsible account management, I kindly request a goodwill adjustment to remove the late payment from my credit report. This would be a tremendous help in maintaining my good credit standing. 
Capital One has always provided excellent service, and I appreciate your time and consideration in reviewing my request. If there are any further steps I need to take, please let me know. I sincerely hope for your understanding and goodwill in this matter. 
Thank you for your time and support. I look forward to your response. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: MO

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 2025-03-07 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 REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Cadle Company
State: PA

Complaint narrative:
Cadlerock joint ventures is saying I owe wrong amount and interest is more than my house is worth. Want this removed on my mortgage title on my house.

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 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
I have a hard inquiry through capital one and I didnt apply for an account or a card so I dont know why I have it because you get inquirys by them running your credit so I dont know if they ran my credit and why because I did not authorize any of that so Im trying to get rid of it so it does not impact my credit, it took place on XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-07 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/year> Midland Credit Management Attn : Consumer Support Services XXXX XXXX Big XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX Re : Debt Validation Request Account # : XXXX To Whom it May Concern : I am writing to formally request a debt validation for the above-referenced account under the Fair Credit Reporting Act ( FCRA ), specifically per 15 U.S.C. 1681g and 15 U.S.C. 1681s-2. This is my second request for validation, as I have not yet received sufficient proof that this debt is valid and accurately reported. 

According to the FCRA, you are required to provide complete and accurate information, including : A copy of any contract or agreement bearing my signature that verifies the validity of this debt. 

A full accounting of the debt, including the original amount, all payments made, and how the balance was calculated. 

The name and address of the original creditor, as well as any documentation showing the transfer of this debt, if applicable. 

Proof that you are legally authorized to collect this debt in my state. 

Additionally, under 15 U.S.C. 1681s-2 ( b ), if this debt is being reported to any credit reporting agencies, you are required to investigate and rectify any inaccuracies. Please provide written verification that this has been completed or that this debt has been removed from my credit report if validation can not be provided. 

If you are unable to provide this information, I respectfully request that you cease all collection activities and remove any negative reporting associated with this debt from my credit reports. 

Please respond within 30 days of receipt of this letter. I look forward to your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-07 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-03-07 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: AZ

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 non-monetary relief
Consumer complaint received 2025-03-07 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: NY

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 2025-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Please see below for an email I sent to Citi re : this issue : Dear Sir or Madam, I am writing because on Friday, XX/XX/year>, I attempted to transfer money from a Citi savings account to my Citi checking account. In error, I transferred the funds from my Thank You XXXX Credit Card to my checking account. Within minutes of this accidental transaction, I contacted Citi cards in an attempt to reverse or unwind this transaction. I was told that nothing could be done until the accidental cash advance posted to my account. 

I waited a few days for the advance to post, and then I noticed that a {$70.00} cash advance fee was charged. Again, I called in to see what Citi could do. I was again told that nothing could be done and that I would have to wait until the {$70.00} charge was in a posted status. I was further told that my only recourse was to wait until after the my statement posted and then make a payment. 

I waited until XX/XX/year> when my statement was issued. Now I notice that in addition to the {$70.00} cash advance fee, approximately {$5.00} of interest was applied to my account. 

The cash advance that I initiated on XX/XX/XXXX was in error, and I immediately attempted to work with Citi to reverse it. However, Citi took no action to help me remedy the situation and now has charged me at least {$75.00} ( I presume interest continues to accrue ). Given the context, these charges and fees are unfair, usurious, and not customer friendly. 

By way of background, I have been a Citi banking customer for 25 years. I have been a credit card customer for approximately 17 years. IXXXX XXXX, I spent nearly {$50000.00} on my Citi cards : transactions from which Citi undoubtedly profited substially from merchant fees. 

In light of my loyalty and the benefits that my business confers on Citi, I would have expected that Citi would have taken some action to assist in unwinding my accidental cash advance. In fact the opposite appears to be true. The accidental cash advance was only possible because I am a loyal Citi customer across several products. If I were to use a XXXX or XXXX credit card, I would have been unable to make the accidental cash advance. 

Because Citi has thus far been unable to assist me, I will be forwarding this letter to the Consumer Financial Protection Bureau and the New York State Department of Financial Services. 

If you are able to assist in remedying this situation, please contact me by email or phone, ( XXXX ) XXXX. 

Regards, 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 monetary relief
Consumer complaint received 2025-03-07 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-03-07 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 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 2025-03-07 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: TX

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 explanation
Consumer complaint received 2025-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I have a mortgage with TD Bank and a TD Bank checking account, which I use to make my monthly mortgage payments via online banking. Each month, I pay more than my required payment to reduce my principal and send a secure message to TD Bank specifying how the extra funds should be applied. TD Bank confirms that my payments will be applied correctly, yet they frequently misapply my funds or process them on an untimely basis. 

I previously filed a CFPB complaint ( ID : XXXX ), but the issue remains unresolved. TD Bank continues to mishandle my payments despite my repeated efforts to follow their instructions. TD Bank has proposed impractical solutions, such as requiring me to visit a branch i
n person each month to make payments, which is unreasonable given my work schedule and the limited number of branch locations in my area. There is no reliable way to ensure my mortgage payments are processed accurately, which has caused me significant stress and anxiety every month for years.

Company response to consumer: Closed with explanation