vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-23 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: NJ

Complaint narrative:
Summary of Complaint : I am filing this complaint against XXXX XXXX for the continued reporting of false, misleading, and mathematically impossible late payment information on my Experian credit report. The account in question is an open auto loan that shows multiple late payments across non-consecutive and consecutive months, with no verification provided upon prior disputes. 

Below is the full list of reported late payments, which I dispute in their entirety XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days late Inaccurate and Illogical Reporting : The late payments reported for XXXX through XX/XX/XXXX are not only inaccurate but mathematically and legally impossible. An account can not be recorded as 30 days late in four consecutive months. If an account is not brought current after being 30 days late in XXXX, then : XXXX should reflect 60 days late XXXX should reflect 90 days late XXXX should reflect 120 days late Repeatedly labeling each month as " 30 days late '' is false, misleading, and factually invalid. 

This is a material inaccuracy that violates : 15 U.S.C. 1681e ( b ) Duty to report with maximum possible accuracy 15 U.S.C. 1681i ( a ) Obligation to correct or delete any unverifiable or inaccurate information upon dispute FTC v. TRW , Inc., 784 F. Supp. 361 ( N.D. Tex. 1991 ) Even technically correct information can be misleading and actionable Sepulvado v. CSC Credit Servs., 158 F.3d 890 ( 5th Cir. 1998 ) Misleading entries that harm a consumers credit standing violate the FCRA Furthermore, I never received documentation from XXXX XXXX to validate : That I was ever 30+ days delinquent in any of the above months That any payments were missed That any notice of delinquency was issued to me Violations Cited : FCRA 1681e ( b ) : Inaccurate and misleading data must not be furnished FCRA 1681i : Failure to investigate and correct disputed information FCRA 1681s-2 ( b ) : Failure to conduct reasonable investigation as a furnisher CFPB Reporting Guidelines ( 2022-05 ) : Data that lacks contextual accuracy is inherently misleading New Jersey Consumer Fraud Act ( N.J.S.A. 56:8-2 ) : Reporting false credit information is a deceptive business practice

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 2025-03-23 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: NJ

Complaint narrative:
Summary of Complaint : I am filing this complaint against XXXX XXXX for the continued reporting of false, misleading, and mathematically impossible late payment information on my XXXX credit report. The account in question is an open auto loan that shows multiple late payments across non-consecutive and consecutive months, with no verification provided upon prior disputes. 

Below is the full list of reported late payments, which I dispute in their entirety : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days late Inaccurate and Illogical Reporting : The late payments reported for XXXX through XX/XX/XXXX are not only inaccurate but mathematically and legally impossible. An account can not be recorded as 30 days late in four consecutive months. If an account is not brought current after being 30 days late in XXXX, then : XXXX should reflect 60 days late XXXX should reflect 90 days late XXXX should reflect 120 days late Repeatedly labeling each month as " 30 days late '' is false, misleading, and factually invalid. 

This is a material inaccuracy that violates : 15 U.S.C. 1681e ( b ) Duty to report with maximum possible accuracy 15 U.S.C. 1681i ( a ) Obligation to correct or delete any unverifiable or inaccurate information upon dispute FTC v. TRW , Inc., 784 F. Supp. 361 ( N.D. Tex. 1991 ) Even technically correct information can be misleading and actionable Sepulvado v. CSC Credit Servs., 158 F.3d 890 ( 5th Cir. 1998 ) Misleading entries that harm a consumers credit standing violate the FCRA Furthermore, I never received documentation from XXXX XXXX to validate : That I was ever 30+ days delinquent in any of the above months That any payments were missed That any notice of delinquency was issued to me Violations Cited : FCRA 1681e ( b ) : Inaccurate and misleading data must not be furnished FCRA 1681i : Failure to investigate and correct disputed information FCRA 1681s-2 ( b ) : Failure to conduct reasonable investigation as a furnisher CFPB Reporting Guidelines ( 2022-05 ) : Data that lacks contextual accuracy is inherently misleading New Jersey Consumer Fraud Act ( N.J.S.A. 56:8-2 ) : Reporting false credit information is a deceptive business practice

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 2025-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
This car has been voluntarily surrendered. Company has yet to pick up vehicle. Voluntarily surrendered due to the over inflated interest that the company refuses to acknowledge of mishandling of accounts. And over inflated interest. Vehicle was sold for over the market rate at the time of purchase. And interest was over inflated for purchase. As well as the car was taken back to the dealership. After problems the next week. Which needs to be verified by dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: TX

Complaint narrative:
Subject : Formal Complaint to CFPB for Noncompliance with Federal Laws by Credit Bureaus ( TransUnion ) Dear CFPB Representatives, I am writing to formally file a complaint against TransUnion, XXXX, and XXXX for failing to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically according to 15 U.S.C. 1681c-2, 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

This is my second formal dispute regarding an erroneously reported account on my credit reports. The initial dispute was submitted due to inaccuracies, but the bureaus mentioned above have failed to adequately investigate, validate the debt, and timely remove this account. 

Enclosed is an official identity theft report issued by the FTC ( FTC REPORT # XXXX ), which supports my claim. 

The fraudulent account that I demand be immediately removed is as follows : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Date Opened : XX/XX/year> Balance : {$190.00} I have repeatedly requested validation of this debt under FDCPA 1692g, yet after more than 30 days, I have received no response, clearly violating this law. Furthermore, under FCRA ( 15 U.S.C. 1681c-2 and 1681i ), the bureaus had an explicit obligation to remove this inaccurate information following my initial dispute.

I request the immediate intervention of the CFPB to ensure that TransUnion, comply with the law by permanently removing this fraudulent information from my credit reports.

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 2025-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
I borrowed {$1700.00} total from Netcredit on a line of credit. I have paid them over {$700.00} in 3 months and the balance has not went down. No money is going towards my principal when I'm making my payments. 

They are refusing to give me a interest rate they are charging me. However, they say they are charging me {$5.00} for each {$100.00} borrowed in fees biweekly. The fees add up to over 120 percent interest yearly.

On top of that I was also charged a 10 percent origination fee for the loan. They have also reported this loan to all 3 major credit bureaus.

This is predatory lending and should not show on my credit report. All loans should clearly state their interest rate. This company is telling customers they are charging no interest but instead a monthly fee which is the equivalent of paying over 120 percent interest annually.

I have tried multiple times by phone and email to get the fees lowered to a reasonable interest rate and no one at the company will help. 

I have several emails from XX/XX/XXXX to current, to show that I have tried to get them to be reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: CA

Complaint narrative:
I am filing this complaint regarding the unauthorized reinsertion of a previously deleted account on my credit report by [ Credit Bureau Name ], concerning XXXX XXXX XXXX XXXX XXXX Account # XXXX. 

This account was previously disputed and removed, but as of XX/XX/year>, it has reappeared on my credit report without any notice or validation, in violation of the Fair Credit Reporting Act ( FCRA ).

Violation of FCRA Section 611 ( a ) ( 5 ) ( B ) : " A consumer reporting agency shall notify the consumer not later than 5 business days after the reinsertion if the information is reinserted. '' I was not notified within 5 business days of this reinsertion, nor was I provided with the furnisher 's name and contact information, as required by law.

Violation of FCRA Section 607 ( b ) : " A consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. '' The balance reported ( {$40000.00} ) is inaccurate in context to the credit limit ( {$6700.00} ), and the charge-off status with a high balance raises questions about the accuracy and validation of this debt. 

Violation of FCRA Section 611 ( a ) ( 1 ) ( A ) : " If the completeness or accuracy of any item of information contained in a consumers file is disputed... the agency shall conduct a reasonable reinvestigation. '' There is no evidence of reinvestigation or verification provided before reinserting this 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 2025-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I am writing to formally file a complaint against Westlake Portfolio regarding the management and collection of my auto loan that was transferred to them without my consent. My understanding of the situation is as follows : 1. **Loan Details** : I originally owed {$1300.00} on my auto loan before it was transferred to Westlake Portfolio . To my shock, I was charged a total of {$14000.00} by Westlake Portfolio, an amount that is significantly higher than what I owed.

2. **Lack of Notice** : I did not receive any prior notice regarding the sale of my loan to Westlake Portfolio . The first communication I received from them was on XX/XX/year>, indicating that my loan had been sold. At no point did I sign a legally binding contract with Westlake Portfolio authorizing this transfer.

3. **Threats of Repossession** : Upon reaching out to Westlake Portfolio via email on XX/XX/year>, I was threatened with repossession of my vehicle if I did not either pay the full amount due or make monthly payments. I felt pressured by numerous of calls and letters a day to pay the total amount of {$14000.00} to avoid having my car repossessed as I had no way to contact my car company which was XXXX XXXX. 

4. **Unlawful Collection Practices** : Throughout this process, I experienced several communications from Westlake Portfolio wherein I was threatened with repossession multiple times if payments were not made. Such tactics are distressing and seem to violate fair debt collection practices. 

Given these circumstances, I kindly request your assistance in investigating this matter and seeking resolution. I believe that Westlake Portfolio has engaged in unfair and deceptive practices that need to be addressed. 

Thank you for your attention to this matter. I look forward to your response and am hopeful for a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-23 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: GA

Complaint narrative:
I checked my personal credit report, which I acquired from your organization, and I noticed that this unauthorized inquiry had been made ( please see attachment )

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 2025-03-23 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: TN

Complaint narrative:
Rebuttal to Equifax Regarding XXXX XXXX XXXX XXXX Complaint ID : XXXX I am submitting this follow-up to dispute the results Equifax provided in response to Complaint ID XXXX regarding the XXXX XXXX XXXX XXXX account ending XXXX XXXX XXXX Equifax claims this account is reporting as paid as agreed with no late payments, and that it has been verified. However, this statement is inaccurate, misleading, and in direct violation of the Fair Credit Reporting Act ( FCRA ) for the following reasons : Inaccuracies Identified 1. Contradictory Reporting : Your response states : Paid as agreed, with no late payments. Yet, the attached Equifax report clearly displays multiple late payments, including 30, 60, 90, 120, and even 150-day delinquencies. This directly contradicts your own verification statement. 2. Derogatory Status Still Present : If the account is paid as agreed with no late payments, then reporting it as Derogatory is false and damaging. 3. Past Due Balance Still Showing : The account still reports a past due balance of {$230.00}, which is inconsistent with a paid as agreed status. 4. Credit Limit Inaccuracy : Equifax shows a {$0.00} credit limit, while XXXX and XXXX both report {$2500.00}. This artificially impacts my credit utilization ratio. 5. Re-Aging of Account Activity : The Date Last Active shows as XX/XX/year>, while the Date of Last Payment is XX/XX/year>. This discrepancy could constitute illegal re-aging of the account, which is prohibited under the FCRA. Applicable FCRA Violations FCRA 607 ( b ) Failure to maintain maximum possible accuracy. FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation. FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate data after being notified of dispute. FCRA 623 ( b ) Failing to correct and update information after dispute. Equifaxs History of Non-Compliance In light of the Consumer Financial Protection Bureaus order requiring Equifax to pay {$15.00} XXXX for FCRA violations including failing to correct inaccurate information and failing to properly investigate disputes I am extremely concerned by the repeated pattern of misreporting and denial of legitimate disputes. Requested Action Due to the contradictory reporting, failure to provide an accurate investigation, and ongoing FCRA violations, I respectfully request : Immediate deletion of this XXXX XXXX XXXX XXXX account from my Equifax credit report. Full reinvestigation, if not deleted, with accurate documentation from the furnisher. Written explanation and confirmation of the final resolution. Please confirm receipt of this rebuttal and provide timely resolution in compliance with FCRA regulations. Thank you, XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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: IN

Complaint narrative:
There was an Auto loan opened in XXXX  from XXXX XXXX XXXX. It was charged off, SOLD & FILED as a loss. XXXX XXXX XXXX is still reporting as if they are with holding the account after XXXX  years of the account being placed there but it has been sold.which is inaccurate. I sent info but it still on 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 2025-03-23 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: IN

Complaint narrative:
There was an Auto loan opened in XXXX  from XXXX XXXX XXXX. It was charged off, SOLD & FILED as a loss. XXXX XXXX XXXX is still reporting as if they are with holding the account after XXXX  years of the account being placed there but it has been sold.which is inaccurate. I sent info but it still on 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 non-monetary relief
Consumer complaint received 2025-03-23 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: FL

Complaint narrative:
I am writing to formally dispute unauthorized and fraudulent information which is XXXX XXXX XXXX appearing on my credit report and to request an immediate investigation under the Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXXData breach, my personal information has been compromised, including XXXX critical findings tied to my identity within the breach. This account and/or inquiries were made without my knowledge or consent. Under the FCRA ( 605B ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code 1681c-1 ( protection of personally identifiable information ) and 15 U.S. Code 1681e ( b ) ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-23 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:
I am writing to formally dispute and report the unlawful and fraudulent inclusion of a collection account on my Experian credit report. The account in question contains inaccurate information and is the result of identity theft. Below are the details of the account I am disputing : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance Reported : {$740.00} Date Opened : XX/XX/year> I, XXXX XXXX, am the victim of identity theft. I have no knowledge of this alleged debt, nor have I ever established any account or contractual relationship with XXXX XXXX XXXX XXXX XXXX XXXX  or XXXX XXXX XXXX XXXX. This collection account is fraudulent and was opened without my knowledge or authorization. 

Upon discovering the account, I took immediate and appropriate action by submitting a formal Identity Theft Affidavit and an FTC Identity Theft Report directly to XXXX XXXX XXXX XXXX. Despite submitting proper documentation, they have failed to remove the account, neglected to conduct a reasonable investigation, and have continued to report this false debt to the credit bureaus. 

This conduct is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), both of which require proper investigation and correction of inaccurate or fraudulent information once notified. 

Additionally, I have confirmed with the Illinois Department of Financial and Professional Regulation ( IDFPR ) that XXXX XXXX XXXX XXXX does not hold a valid debt collection license in the state of Illinois. As a result, any collection activities conducted by them in Illinois are unlawful. 

I am requesting that Experian immediately remove this fraudulent account from my credit report and mark it as a result of identity theft.

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 2025-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Disputed accounts with the credit bureau and nothing was removed. I do not have accounts with these companies and my information was leaked. I do not have account numbers because the following accounts are not mine : LVNV, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation