vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Summit A*R, Inc.
State: VA

Complaint narrative:
Subject : Complaint Against Summit Account Resolution Unprofessional Conduct and FDCPA Violation Details : I received a phone call from a representative at Summit Account Resolution on XX/XX/year> regarding an alleged debt of {$400.00} related to XXXX XXXX. 
The first call was with XXXX XXXX, from approximately XXXX XXXX  to XXXX XXXX. During that call, I told her that I no longer live at the address they had on file and that I had not received anything in the mail. Rather than asking me for an updated address, she said she would notate refusal to pay which I never stated and abruptly hung up on me while I was still asking questions. It was dismissive, unprofessional, and did not meet the standards of ethical debt collection. 
I called back at XXXX XXXX, and the call lasted approximately 7 minutes. The second representative, whose name was not provided, confirmed my updated address, then went off-topic and made an entirely inappropriate and offensive reference to XXXX XXXX while attempting to explain how internet search results work. He said something along the lines of : If you look up good things about XXXX, youll find good things. If you look up bad things, youll find bad things. Thats just how the internet works. 
This was completely irrelevant, offensive, and deeply disturbing, especially coming from a professional setting. It made me question the legitimacy and ethics of the entire agency. 

Additionally, I have not received a written notice of the debt, which is required under the Fair Debt Collection Practices Act ( FDCPA ). I am currently drafting a formal debt validation letter and request that all collection activity stop until proper documentation is received. 

I am filing this complaint to request : A formal investigation into the conduct of both representatives A review of the call recordings from XX/XX/year> Assurance that disciplinary action is taken where appropriate Confirmation that Summit Account Resolution is operating in full compliance with FDCPA standards Company Name : Summit Account Resolution Date of Incident : XX/XX/year> First Call : XXXX XXXX XXXX  with XXXX XXXX Second Call : XXXX XXXX XXXX  with male representative Alleged Debt : {$400.00}, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: LA

Complaint narrative:
On XXXX XXXX I purchased a vehicle from XXXXXXXX XXXX XXXX and the loan was through Westlake financial. The purchase price for the vehicle was XXXX and I also purchased a extended warranty. I put XXXX cash down. XXXX. The transmission went out. I called extended warranty they ripped Me off, so it would have been XXXX to fix to get a new transmission, I told Them to fix the milage that they originally messed up on so extended warranty can pay they refused, so I VOLUNTARILY SENT IT BACK. I PAID 9 MONTHS ON TIME THERE IS NO WAY POSSIBLE MY LOAN EVEN AFTER RETURNING THE TRUCK SHOULD STILL BE OVER XXXX I HAVE CONTACTED WESTLAKE FINANCIAL Upon thoroughly ready My paper work. I see the Guy at the car lot added a extra XXXX to the cost. I was and still is being Ripped off by XXXX XXXX from XXXXXXXX XXXX XXXX and Westlake financial. I have been surrrfering, I paid for a rental out My pocket the Whole month of XXXX I have not worked since. I'm a honest Person, I feel so lost and depressed due to this situation.weatlake recently sent Me a saying If I pay the amount in full they would only charge Me over XXXX I already paid over XXXX. Please Help Me. And Help other 's by not letting XXXXXXXX XXXX XXXX and West lake financial continue to rip people off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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: PA

Complaint narrative:
I am a victim of identity theft. I initally Submitted the complaint with FTC report, my ID and bill directly through the CFPB. 
Today I received a letter from Equifax that they will not be removing the said accounts in the complaint due to not receiving my attachments in the complaint. 

They clearly have the documents and are violating my rights to protection. 

I submitted The same complaint and docs to both XXXX  and XXXX  also in the same complaint through the CFPB and they have already removed the accounts that were mentioned and opened fraudulently. 

Equifax is refusing when I already Submitted the necessary documentation. They are supposed to remove these accounts from my file within 15days by law. Instead of removing them they are saying that will be disputed in their 30 day process. 

This is a violation of code 15 U.S. code -1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX and this is not a third party filing this. I am writing to express my concerns regarding the investigation practices of the XXXX major credit bureaus : Experian, TransUnion, and Equifax. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected. 

The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.

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 2025-04-21 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: GA

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 non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
While waiting for a refund to be credited back to my Capital One credit card, on numerous occasions when I spoke with Capital One representatives, I asked if my account and credit would be negatively impacted by the delayed refund credit I was waiting for from XXXX. I was informed that any late fees, interests or negative reporting caused by the charge would be reversed upon receiving the refund. Yes, my dispute was resolved by XXXX and they refunded my {$400.00} dispute with XXXX XXXX ( XXXX ). I am concerned by the fees, interest charges, and negative credit reporting that occurred despite following the guidance of Capital Ones supervisor. I request that they reverse all related fees and interest, restore my account to good standing, and correct any adverse credit reporting. 

Key Facts & Timeline : XX/XX/XXXX : Hotel manager cancels my reservation at checkin and, during a XXXX call with XXXX and Capital One, approves a full refund. 

XX/XX/XXXX : I opened the dispute with Capital One after not receiving my refund ; their agent advised that any related fees/interest would reverse once the refund postedand that I should wait for the chargeback rather than make a payment. 

XX/XX/XXXX : I spoke with Supervisor XXXX, who confirmed that no payment was required and that any late fees, interest, or negative reporting tied to the disputed charge would be reversed once the merchant credit posted. 

XX/XX/XXXX : XXXX XXXX ( via XXXX ) finally issued the {$400.00} credit, which appeared on my XXXX statement. This confirms the dispute was decided in my favor. 

Why Fees, Interest, and Reporting Must Be Reversed : Reliance on Capital One Guidance : I followed explicit instructions from your frontline agents and supervisor to await the merchant refund rather than pay down the balance on the account. I spoke with a supervisor on XX/XX/XXXX and XX/XX/XXXX where I received this guidance. Capital One calls are monitored and recorded, so they should be able to refer back to these calls for confirmation. 

Refund Confirms No Liability : The merchant credit proves the original charge was invalid, which means any late fees or interest should be reversed. Requested Resolution : Remove all late fees and interest assessed from XX/XX/XXXX through XX/XX/XXXX. Reinstate my account to active status and reflect a XXXX balance for this transaction. Correct my credit report by removing any negative entries or latepayment notations associated with this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear XXXX XXXX Department, My name is XXXX XXXX and I am writing to formally dispute and demand the removal of incorrect name and address variations appearing on my credit report. Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach- Bliley Act ( GLBA ), I have the right to accurate reporting of my personal identifying information. 
Correct Information : Full Legal Name : XXXX Social Security Number : XXXX  Incorrect Names to Be Deleted XXXX XXXX XXXX, XXXX XXXX XXXX Incorrect Addresses to Be Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Factual Basis for Dispute : Any other name variations, misspellings, or aliases appearing on my report are inaccurate and must be corrected or removed. 


Any addresses that do not match my current identification must be deleted, as they are outdated, incorrect, or potentially linked to fraudulent activity.

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 2025-04-21 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: MI

Complaint narrative:
I previously disputed in XX/XX/XXXX to formally demand that XXXX  remove previously deleted items from my credit report that have reappeared. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies take steps to ensure consumer reports are accurate and to conduct investigations of information disputed by consumers. Experian has unfairly failed to properly re-investigate my dispute against XXXX XXXX and delete XXXX XXXX inaccurate false report on my credit. I disputed with proof I do not owe XXXX Insurance any money! I previously provided Experian with empirical proof including the payment receipt for my monthly bill of {$460.00}. My balance was paid in full for {$460.00}. XXXX XXXX has falsely reported on my Experian credit that my monthly premium was {$1300.00}. This monthly premium XXXX reported is false and inaccurate. My monthly premium was {$460.00} paid in full. XXXX sent me a Notice of XXXX XXXX XX/XX/XXXX. This proves that XXXX XXXX did not provide coverage for me in the month of XX/XX/XXXX. XXXX XXXX falsely reported they provided auto insurance coverage from XX/XX/XXXX thru XX/XX/XXXX. I provided proof of my new auto policy with XXXX XXXX  effective XX/XX/XXXX. Experian did not take sufficient steps to intake, process, investigate, or provide me full documentation I requested under Section 609 of the FCRA. This negligence resulted in the inclusion of XXXX XXXX false information remaining on my credit report. Please note relevant information that both XXXX XXXX XXXX validated my dispute. XXXX  and XXXX removed and deleted XXXX XXXX inaccurate false report from my credit. Experian and XXXX both failed to provide me with any documentation I requested in accordance with the Fair Credit Reporting Act. I am requesting that Experian delete XXXX Insurance false claim in accordance with FCRA XXXX XXXX. XXXX ( XXXX ) obligation to delete information that is found to be inaccurate or unverifiable because I have provided the necessary proof and documentation that my balance of {$460.00} was paid in full and policy was cancelled XX/XX/XXXX with no balance owing or coverage provided by XXXX XXXX in 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 explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : Possible Financial Account Number : XXXX Balance : {$17.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " Possible Financial '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. Verify the balance for completeness and accuracy. 

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX Tracking Number: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 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I overpaid my Apple Card account by {$3900.00}, based on payments totaling {$9500.00} against total charges of {$5600.00}. Despite this overpayment, I was charged interest, and my account was reported as late to the credit bureaus in XX/XX/XXXX. 
Following the false late payment, my Apple Card credit limit was reduced from {$4000.00} to {$500.00} in XX/XX/XXXX, further damaging my credit utilization ratio and overall score. 
As of today, my credit score remains lower due to this inaccurate reporting and adverse action. 
I submitted a formal dispute to Apple Card Support on XX/XX/XXXX, through their secure messaging platform. After multiple follow-ups, I received a final response stating that the account information had been reported correctly, without addressing the documented overpayment, credit harm, or financial impact. I have not made any further payments since XX/XX/XXXX. 
All actions have been documented, and I made every effort to resolve this directly with the company before filing this complaint. 
I am requesting a full refund of overpayments, correction of my credit report, reversal of the credit limit reduction, and appropriate remediation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: MD

Complaint narrative:
I was in a rental contract from XX/XX/XXXX to XX/XX/XXXX. I submitted notice to vacate within the prescribed window. I vacated the premises on XX/XX/XXXX and paid a prorated amount of {$220.00} for these XXXX days in XX/XX/XXXX, since they refused to speak with me prior to my departure date despite multiple attempts. I also left the electric in my name through XX/XX/XXXX. Today, I have responded to a phone call from Aldous and Associates requesting payment of debt. They informed me that the debt included the following. 
1. Remaining rent for XX/XX/XXXX, which is not owed because I vacated on time. 
2. Electrical bill, which is not owed. I have a clear balance on the account at that address with XXXX XXXX and have transferred service to my new residence. 
3. Carpet cleaning charge which I have repeatedly told them that I will accept if they submit that individual bill, approximately {$130.00}. 
Both the management at XXXX XXXX and the representative at Aldous have refused to present itemized bills and insist that I pay it all in full. Aldous states that I must request a Debt Verification packet for any investigation to be done to resolve this issue. I am currently preparing that request. I do not think it is fair treatment for a company to be able to arbitrarily submit an unjust amount for collection and then harass individuals into submission. As I have repeatedly stated, I am perfectly willing to pay the final bill when it is submitted to me properly by XXXX XXXX. I also firmly expect that XXXX XXXX and it's contacts remove any derogatory information that they have submitted about me to any service, including the credit reporting system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Resurgent Capital Services , L.P . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX LVNV Funding LLC c/o Resurgent Capital Services , L.P . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX Date : XX/XX/XXXX RE : Account Number : XXXX / Reference # : XXXX CFPB Case # : XXXX To Whom It May Concern : This letter serves as formal notice to cease and desist all collection activities relating to the above-referenced account, which you claim to have originated with XXXX  XXXX XXXX  and is now owned by LVNV Funding LLC and serviced by Resurgent Capital Services. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you immediately cease all communication with me and cease all attempts to collect the alleged debt. Any further contact from you or your agents will be considered a willful violation of the FDCPA and may subject you to legal action. 
I dispute the validity of this debt, and I request that any and all evidence supporting your claim of ownership and right to collect be provided to me in writing. As affirmed by XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) and XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), consumers are entitled to dispute debts, and collectors must provide adequate validation upon request. 
Furthermore, I am aware of your response to the Consumer Financial Protection Bureau dated XX/XX/XXXX 2025, and I reject your assertion that the tradeline is accurate. Reporting inaccurate or disputed information to credit bureaus without proper validation is a potential violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

Please be advised that failure to comply with this request may result in legal action against you, including but not limited to actual damages, statutory damages, attorney 's fees, and costs pursuant to 15 U.S.C. 1692k.

You are also notified that I am documenting all communications and intend to use any further unauthorized attempts to collect or communicate as evidence in potential legal proceedings.

GOVERN YOURSELVES ACCORDINGLY. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-21 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( 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