vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I visited XXXX XXXX  XXXX  in XXXX to purchase a XXXX XXXX. I informed the dealer that I only had {$700.00} available for a down payment. They said it was fine, but told me they would write {$2100.00} as the down payment on the contract. They also instructed me that if Westlake Financial called me, I should say that I paid the full {$2100.00} even though I never did. 

I have proof from my bank showing that I only paid {$700.00} on XX/XX/year>. The dealer never provided a receipt for that payment, and the car had several issues upon delivery ( hail damage, bumper damage, and oil leak ), so I never took the vehicle. 

Westlake Financial now claims that I paid {$2100.00} based on the contract, which is inaccurate and misleading. This complaint includes a bank statement, transaction screenshot, and photos of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This morning, I was extremely upset to find an unauthorized inquiry on my credit report for no clear reason. I routinely check my report and have never seen this before. I even refreshed the browser thinking it might be a glitch, but it stayed. This is frustrating, and I need the documents I submitted to be thoroughly reviewed right away to make sure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: WI

Complaint narrative:
This is my formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The debt collection company Midland Credit Management has violated my rights by not validating the debt and reporting it on my credit report under XXXX XXXX XXXX XXXX XXXX and violated my rights of cease requests by deleting the debt and adding it back on XX/XX/year>. Please delete this debt collection from my credit report immediately. There has been no pruchase agreement or original contract provided to me for debt validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have had a XXXX XXXX XXXX XXXX credit card opened for 10 years. I have never missed a payment. it is my only credit card i have and I do not have any other debt or loans. 

Because of this, my credit score is XXXX. XXXX XXXX XXXX wont report my credit to FICO to raise my score. I am being unfairly punished even though I have good credit. If i were to get a loan or rent an apartment I would get denied based on my credit score that is not accurate. This is unfair and creates damage to myself.

I should be able to submit this to XXXX, Experian or XXXX  as well and have them raise my score.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have had a XXXX XXXX XXXX XXXX credit card opened for 10 years. I have never missed a payment. it is my only credit card i have and I do not have any other debt or loans. 

Because of this, my credit score is XXXX. XXXX XXXX XXXX wont report my credit to FICO to raise my score. I am being unfairly punished even though I have good credit. If i were to get a loan or rent an apartment I would get denied based on my credit score that is not accurate. This is unfair and creates damage to myself.

I should be able to submit this to Equifax, XXXX  or XXXX as well and have them raise my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendbuzz Inc.
State: FL

Complaint narrative:
Lendbuzz accepted a loan request from XXXX that was a predatory loan -I had no good credit -No verifiable income ( XXXX took bank statements no paystubs as my income doesnt have those its cash so on my statements all it shows is me depositing cash its not a direct deposit from a job or anything ) -No co-signer No one is sure what XXXX sent to lendbuzz to approve the loan but the loan is a predatory loan and should be fixed to be fair. 

Attached is the loan paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
Im reaching out to demand a full and clear certification that every single piece of information linked to this account actually belongs to me. I want absolute confirmation that all data including personal details, transactions, inquiries, and any associated accounts are legitimately mine and have not been added in error or mixed with someone elses information.

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 2025-05-15 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: NC

Complaint narrative:
This credit bureau appears to be in conspiracy to commit fraud because they keep reporting fraudulently created debt for which the creditors failed to show consideration and failed to produce any true copy the lawful contractual agreement bearing my blue wet ink signature which is the only document proving a debt obligation of mine, nor a copy of the back of the contract showing where they forged my signature on the back before taking to the federal reserve for funding. They loaned me nothing of value and never loaned me any of their own money so theres no loss and no debt. The credit bureau is still reporting based on the word of an institution that hasnt provided any valid contractual agreement demonstrating delegation of authority to even report my information rather than the word of a living, breathing sentient Man of XXXX and then violates my lawful Consumer rights enforceable by the Police Identity Theft Report and the Police Home Burglary Report which confirms my personal documents were stolen including license, social security card and taxes. Furthermore every fraudulently created debt account in my name was placed in a publicly filed Billing Error Dispute Resolution for all these reasons and more which that law states Consumer need not pay and the Creditor may not collect and may not escalate the debt collection. Is the Credit Bureau committing mail fraud, wire fraud and conspiracy to commit bank fraud??? Theres no excuse for Equifax because they are the guilty party that neglected to protect my personal information making all of my information vulnerable and this definitely may have contributed to the potential fraud Im experiencing quite possibly from the Equifax Data Breach from which Equifax notified me that I was a victim. Please provide me Equity immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
This company harasses me on a daily or weekly basis and every time I am met with abusive, cruel and gaslighting comments. I was once told that I must be lying to them about being so broke that it's between feeding my children and paying this debt ( that I still have no idea where it came from, my identity has been stolen multiple times over the years, several bank accounts were opened under my name at XXXX XXXX and XXXX XXXX has repeatedly allowed XXXXXXXX XXXX XXXX to pull my credit in attempts to obtain a loan I DID NOT ASK FOR. ) These people have pushed me to a point where I am dangling by a thread, there seems to be no point in living anymore. XXXX has also been doing this to me!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is currently reporting numerous hard inquiries, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries significantly reduce my credit score and damage my creditworthiness. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have revealed that Equifax has engaged in systemic failures to conduct proper investigations, violating federal consumer protection laws. Specifically, Equifax has been found to engage in sham investigations that fail to comply with the FCRAs requirements under 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), which requires a thorough and reasonable reinvestigation of disputed information within 30 days. Additionally, under 15 U.S.C. 1681 ( a ) ( 5 ), Equifax must promptly delete or correct any information found to be inaccurate, incomplete, or unverifiable. 

Given these violations, and the serious financial harm caused by inaccurate inquiries, it is imperative that Equifax conduct a complete and verifiable reinvestigation of all disputed inquiries to comply with the law and restore the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX 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 2025-05-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to formally request the method of verification used to validate the accuracy of the following item ( s ) on my credit report, as permitted under Section 611 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). 

The disputed items in question : XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount {$180.00} In your response to my previous dispute, you indicated that the information was verified as accurate. I am now requesting : XXXX. A detailed explanation of the procedure used to verify the accuracy of the items. 
XXXX. The name, address, and contact information of the furnisher or source of the information. 

Please respond to this request within 15 days as required by the FCRA. If you are unable to provide the requested information within 15 days the inaccurate account must be deleted immediately. 

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

Sincerely, XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MA

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

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$720.00} XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$900.00} XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$900.00} XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 2025-05-15 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: GREATER SUBURBAN ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I called the company to request documentation that shows my information was sold to a XXXX party and they now have a balance left. I never received the XXXX from this company, it states it was charged off and sent letters that said it was sold at an auction. So that means it was a tax write off and its on my credit reflecting and the company stated its not and it needs to be removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AZ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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