vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Global Tel*Link Corporation
State: PA

Complaint narrative:
Approximately XX/XX/XXXX I deposited {$19.00} via an automated telephone payment system to a prepaid mobile account. The automated system does not require a pin to be created, but every Global Tel Link employee I spoke with said it is a requirement to access your account. On XX/XX/XXXX I spoke XXXX the XXXX ( employee ID XXXX ) who was very difficult and rude. I dont recall the premise but I did make note of the call that took place on XX/XX/XXXX at XXXX which lasted XXXX minutes including wait time. On XX/XX/XXXX I called multiple times to have my funds refunded to my bank account to no avail. The first call on XX/XX/XXXX was at XXXX lasting XXXX minutes where the employee asked for a pin and I explained I didnt create one via automated call as for it didnt prompt me. He eventually asked for the deposit information and I told him I have to search through multiple bank accounts. Keeping in mind the call only lasted XXXX minutes including wait time, the rep said he has to end the call because it was taking too long. I then asked to be escalated to a supervisor to which he begrudgingly agreed. I waited to but the call was disconnected. The next time I was able to get a hold of someone was around XXXX. I placed the call at XXXX and I immediately asked to speak with a supervisor. I was on hold for XXXX minutes before the machine ever asked once to wait in line for a call back. I chose that option and XXXX returned my call. I postulate this company is running an illegal operation to retain customer funds through these illegitimate practices. The employees including XXXX are very redundant and repeatedly speak verbatim disclosures that do not apply. They use circular reasoning and their cultural and language barrier to play dense. Asking simple questions will not get a simple answer, but a non-applicable scripted response. I explained to him he is being recorded and I am pursuing legal action and he was unbothered. I explained the premise of the situation, the automation and the prior calls. XXXX asked for information regarding the deposit after I was forced to vehemently express comprehension of the automated process and the disconnect. XXXX caused quite the commotion about a pin I never created only to move to another form of account verification. This brings about the conjecture that this is a common practice. I pointedly asked him if a pin was required for automated account setup, to which he finally acknowledged it is not. He would later in the conversation contradict then completely disregard this fact. XXXX stated he couldnt verify the account and refused to issue a refund. Once I asked for his name I realized we had spoken before. I went to notate the incident when I realized an incident I wanted to report on him was already in my phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
I am writing to formally dispute a charge-off entry on my credit report, which I believe to be inaccurate or unverifiable. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, and requesting that you initiate a reinvestigation of the item in question. 
The entry I am disputing is : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> Reason for Dispute : This account was settled and should not be marked as a charge off This account is not mine. Under the FCRA, you are legally required to investigate disputed information and remove any entry that can not be verified with accurate documentation. If the original creditor can not provide sufficient proof that this charge-off is accurate and properly reported, it must be deleted from my file. 
I respectfully request that you : 1. Conduct a reinvestigation into this account ; 2. Delete or correct the inaccurate charge-off if it can not be verified within 30 days ; 3. Provide me with written confirmation of the outcome and an updated credit report. 
If this matter is not resolved in accordance with the FCRA guidelines, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general, and pursue further legal action if necessary. 
Thank you for your attention to this matter. I look forward to your timely response.

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 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Atlanticus Services Corporation
State: WA

Complaint narrative:
I signed up for XXXX  XXXX in XX/XX/year>. There flyer said that if I make XXXX payments on time they will increase my credit limit. It's been 9 months and they are refusing to raise my credit limit even tho they clearly stated they would.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
To whom it may concern, I am disputing the account listed under NCB Management Services, showing a balance of {$12000.00}. This account is related to a debt originally held by XXXX XXXX, who is also still reporting the account as a charge-off. 

The NCB account has a suspiciously inaccurate Date Opened and no payment activity, suggesting the account has been re-aged, which violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). In addition, the account is a duplicate entry, causing double damage to my credit. 

I am requesting immediate deletion of this account due to inaccurate and duplicative reporting, and unlawful re-aging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: COLUMBIA BANKING SYSTEM, INC.
State: WA

Complaint narrative:
Umpqua Bank I have banked there for more than 10 yrs. I had VA mortgage which ended XX/XX/year>. They sent a refund check to the old address and took so long to arrive that I complained. I was told they would stop check then I was told I would get a direct deposit into my checking account. Then I was told there was 30 day delay before they would give me my money which seems illegal. I want interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MO

Complaint narrative:
Please address the inaccurate late payment noted on my account. My history reflects timely payments without fail, and this error is causing undue stress and impacting my daily life. I urge you to correct this mistake promptly to restore the integrity of my account information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MD

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-06-10 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: MD

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted disputes to Experian, Equifax, and TransUnion requesting the removal of a XXXX  XXXX bankruptcy that is being inaccurately reported on my credit file. 

I provided each bureau with official documentation from XXXX, a primary public records vendor, confirming that the bankruptcy was removed after verification procedures. The updated XXXX consumer disclosure report confirms that no bankruptcy is present on my file. 

Despite receiving my dispute letters and supporting evidence, the credit reporting agencies have failed to remove the bankruptcy from my report. This is a direct violation of FCRA 1681i ( a ) ( 5 ) ( A ), which requires deletion of information that can not be verified. 

I am requesting immediate removal of the inaccurate bankruptcy from my credit reports. Failure to comply may result in further regulatory complaints and legal action.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted disputes to Experian, Equifax, and TransUnion requesting the removal of a XXXX  XXXX bankruptcy that is being inaccurately reported on my credit file. 

I provided each bureau with official documentation from XXXX, a primary public records vendor, confirming that the bankruptcy was removed after verification procedures. The updated XXXX consumer disclosure report confirms that no bankruptcy is present on my file. 

Despite receiving my dispute letters and supporting evidence, the credit reporting agencies have failed to remove the bankruptcy from my report. This is a direct violation of FCRA 1681i ( a ) ( 5 ) ( A ), which requires deletion of information that can not be verified. 

I am requesting immediate removal of the inaccurate bankruptcy from my credit reports. Failure to comply may result in further regulatory complaints and legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
XXXX XXXX recorded extra liens on my property that prevented me from obtaining a home equity loan to save a family member 's life who ended up dying. For three years these liens have been on my property which brought down the values of my house. Not only this company placed those extra liens on my property, they modified my loan from a 30 year loan to a 45-year loan, sold my mortgage to another company without explaining my knowledge, but by making me sign a 700 page document knowing there was no way I was going realize that. Now I am stuck because all this time I thought I was making progress towards my mortgage payment, my balance on the mortgage is the same as it was when I just bought the house eight years ago. My monthly payments are {$2000.00} a month compared to other people i the same neighborhood paying {$1200.00} a month with the same type of house. I am suffering from the loss of a family member I couldnt save after promising to do so, I am stressed because of the 45-year mortgage, unable to obtain loans because my house has no value and all these were caused by mistakes this company made. At one point I was conditionally approved for a home equity loan just to get a call and a letter the next day that they were not going forward with the loan due extra liens on the property. When I contacted XXXX, they gave me run rounds and stated they were no longer my loan servicer for me to contact the new loan servicer who also sent me back to XXXX, stating that those issues were old from the old loan servicer and they couldnt help. It was until I filled a complaint. 
This has caused my medical conditions to worsen because I am XXXX. I have then been XXXX with XXXX XXXX XXXX  including XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: A-1 Premium Acceptance, Inc.
State: KS

Complaint narrative:
XX/XX/year> : revoked authorization for King of Kash to use ACH or debit card as form of repayment XX/XX/year> : King of Kash illegally attempted to access my bank account using revoked methods XX/XX/year> XXXX King of Kash made a second illegal attempt to access funds in my bank account for a lesser amount and authorization of ACH AND debit is still in place

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the Westlake Financial Services account reported on my credit report by XXXX. The account in question originally reported a balance of {$27000.00}, but after I disputed it directly with XXXX, I discovered that it was marked as verified as accurate with an increase in the past due balance to {$29000.00}. I was not informed of any reason for this increase, nor did I receive any documentation justifying the additional {$2000.00} in fees or charges. 



I originally submitted a direct dispute with XXXX, asking them to clarify the discrepancies on the account, particularly the unexplained increase in the past due balance. Despite my dispute, XXXX  updated the account information without sending me proper documentation explaining why the past due balance exceeded the original loan amount, nor did they provide a clear itemization of the charges. The only update I received was a generic statement that the account was verified as accurate and a vague update of other fields like terms and payment status, which did not address the inflated balance. 



I believe that this constitutes a violation of the Fair Credit Reporting Act ( FCRA ), as TransUnion failed to verify the validity of the increased balance and did not provide me with sufficient proof to justify it. Additionally, Westlake Financial Services failed to notify me of any changes to the terms of my loan or explain the additional charges, which violates the Truth in Lending Act ( TILA ). 



The inaccurate reporting and lack of transparency have negatively impacted my credit and financial situation. I have been unable to obtain necessary housing and credit, as this inflated balance was unfairly reported on my credit history without my knowledge or consent. 



As a result of these violations, I reserve the right to take legal action against both TransUnion for failing to correct inaccurate information and Westlake Financial Services for failing to notify me of the increase and provide documentation. I am considering further legal steps to address the harm caused by this error, as it has significantly impacted my ability to obtain housing and financial resources. 



Given the above, I respectfully request the immediate removal of this account from my credit report due to the lack of proper documentation and failure to notify me of the increase. If this is not addressed, I may pursue legal remedies, including a lawsuit for damages resulting from the erroneous reporting. 


This account is being reported to all three major credit bureaus ( XXXX XXXX and XXXX ). I am requesting full removal across all bureaus due to inaccurate reporting and lack of documentation. 


Thank you for your time and attention to this matter. Please feel free to contact me at the number or email listed above should you require any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: WV

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: Meta Payments Inc.
State: FL

Complaint narrative:
I have been selling items via XXXX XXXX  for several years and receiving payments via shipped purchases made online by buyers without incident prior to XX/XX/2025. Since then, I have had XXXX shipped sales that were received by the buyer, charge them, and XXXX took their commission payment. However, the sale amount due to me was not deposited in my account. I have been in contact with XXXX via every individual sale nearly every two weeks since XX/XX/2025 regarding XXXX different sales and nothing has been resolved, payment from XXXX sales are still owed to me. XXXX has continued to ask the same questions over and over without any resolution. There is no other way to reach out via the website or the app. I would like the money owed to me & charged to the buyers of my products which were sold immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MI

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: Alorica Inc.
State: CA

Complaint narrative:
These creditors have failed to validate the alleged debt despite my repeated requests. While I formally requested debt validation in writing, they continued to furnish negative information to the credit bureaus. I also asked TransUnion to investigate, but they incorrectly verified these accounts as valid without proper documentation. 

The original loan, issued by Marcus by Goldman Sachs, was set to expire in XX/XX/year> with a balance of less than {$2000.00}. Without my knowledge or consent, Marcus sold or transferred my account to SST. I was actively making accelerated payments with the intention of paying off the loan early. Upon learning that the account had been transferred, I made a payment which reduced the balance to under {$900.00}. 

Despite this, SST reported the account as delinquent, including false reporting of 30, 60, 90, and even 180 days late. I requested that these inaccuracies be corrected, but both SST and XXXX refused to amend or remove the incorrect data. Instead, TransUnion repeatedly verified the inaccurate information despite lacking validation from the debt collectors. 

This pattern of behavior reflects a failure to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), resulting in serious damage to my creditworthiness and financial well-being.

Company response to consumer: Closed with explanation