vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: PA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
I came across some hard inquiries on my credit report that did not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I am reaching out regarding multiple billing and reporting errors that are severely damaging my credit. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are obligated to accurately post payments and correct errors promptly. However, I have identified several serious problems : payments I made were either not properly recorded or miscalculated, and I was not given the required 21-day notice before a payment due date. As a result, the late payment notations reported against me are both inaccurate and unlawful. These errors are a blatant violation of my rights and are negatively affecting my creditworthiness.

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 2025-04-28 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:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: TX

Complaint narrative:
XXXX I finance a car at XXXX XXXX, for a XXXX XXXX XXXX XXXX XXXX Dealership never notified me the vehicle were salvage. All the paperwork is deceiveing and mislead, and really never explained what being e-sign. Dealership provided a false all-state company on contract that I never had no knowledge about or explain.Sales contract I was deceive, mislead and completely not informed what the dealership e-sign. XXXX XXXX ask me do I have insurance, I responded no to the salesman and before I walk out the door the XXXX motor salesman told me don't worry about that. XXXX motors salesman said just your intial here. So all s-sign from dealership was false, and westlake financial told me lies, mislead and deceive me for almost 4 months only thing I want to speak with a manager.Westlake transfer me to each different department, and all reply I transfer you back to customerservice, I'm not a manager. Crazy this behavior from westlake customerservice excluded for almost 4 months, but the company continue charging me late fees, and only thing I want to speak with a manager about a incident that happen in XXXX XXXX and continue to almost XXXX without receiving one call from a manager.Westlake continue saying we get a manager to call you back on phone and email.I paid 3yrs no missed payments and miss a payment on purpose just to speak with a manager and still no response, continue to get auto call about miss payment.Westlake never contact about allstate insurance expired after the month I finance the car. Insurance allstate was just e-sign on contract that westlake financial approve because I didn't have bad credit also I put a XXXX down payment. Westlake and XXXX XXXX work together to deceive people for the low credit scores, repossessed, and misleading to resale the car. Everything about westlake financial company that includes paperwork, deceptions, and stunts to get more money. If consumer financial protection will be able to get e-mail, auto call, and, false e-sign you understand that dealership and XXXX XXXX  company work together to ripoff people

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
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 XXXXXXXX Subject : Formal Dispute of Inaccurate Collection Account Reporting Account Number Ending in XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the information being reported on my Equifax credit report regarding the following account : Creditor Name : LVNV Funding LLC ( Closed ) Account Number ( Last 4 Digits ) : XXXX Reported Balance : {$1200.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Amount Past Due : {$1200.00} Account Status : Collection This account is being reported as a collection account, and I believe the information is inaccurate, incomplete, and/or unverifiable. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g, I am exercising my right to formally dispute this entry. I request that your agency conduct a reinvestigation of this account and either correct or delete it within the legally mandated 30-day period. 

Additionally, this account appears to violate XXXX XXXX compliance standards as set forth by the XXXX XXXX XXXX XXXX ( XXXX ). Creditors and collection agencies must ensure that all information furnished is accurate, complete, and in strict adherence to XXXX XXXX reporting guidelines. Misreporting of balances, statuses, or ownership mischaracterizations constitutes noncompliance and can adversely impact a consumer 's creditworthiness, thereby violating the FCRAs accuracy requirements. 

I specifically request that you provide the following documentation for verification : Proof that this account is valid and contractually belongs to me ; Verification that the reported balance of {$1200.00} is accurate and fully substantiated ; Confirmation that proper notice of the alleged debt was sent to me, as required by law. 

Until such validation is provided and verified in full compliance with the FCRA and XXXX XXXX standards, I formally request that this collection account be immediately deleted from my credit report. 

Attached for your convenience are copies of my government-issued identification and proof of address to assist you in your reinvestigation. 

Please provide me with written notice of the results of your investigation and supply me with a free updated copy of my credit report reflecting any changes made, as required by 15 U.S.C. 1692c ( c ). 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: LA

Complaint narrative:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NY

Complaint narrative:
There is an account on my credit report that I did not open. This was an unauthorized and fraudulent use of my identity, and I need this handled immediately. Let me be absolutely clear : I did not apply for or approve this account in any way, and I am not responsible for any activity associated with it. This is identity fraud plain and simple.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: TX

Complaint narrative:
THIS DEBT IS IN A CIRCLE. IT GETS REMOVED WHEN I WRITE A LETTER TO YOU ALL OR TO THE COMPANY IT IS WITH, IT THEN GETS SOLD TO ANOTHER DEBTOR, AND THEN THEY PLACE IT BACK ON MY REPORT AFTER IT WAS REMOVED.

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 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2025, I submitted a dispute to TransUnion regarding inaccurate and unverifiable information appearing on my credit report. 

TransUnion provided an estimated dispute completion date of XX/XX/2025. As of today, XX/XX/2025, the dispute status still shows In Process on XXXX website. 

I contacted TransUnion by phone and spoke to a supervisor named XXXX. XXXX stated that the dispute was allegedly resolved on XX/XX/2025. However, the website continues to show that the dispute remains open and unresolved. I never received any notification of the dispute results, and my credit file has not been updated. 

During the call, XXXX also admitted that TransUnion does not conduct actual reinvestigations and only verifies information by matching name, date of birth, and Social Security number without independently verifying the account details, balances, or payment history as required by federal law. 

The disputed accounts included, but were not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ), and 1681i ( a ) ( 6 ) ), TransUnion is required to conduct a reasonable reinvestigation, delete unverifiable information, and promptly notify the consumer of reinvestigation results. 

TransUnion has violated these federal requirements by failing to complete the reinvestigation within 30 days, failing to properly verify account information, and failing to notify me of any completed results. 

I am requesting that the CFPB require TransUnion to immediately delete or suppress all accounts related to this dispute and ensure compliance with all Fair Credit Reporting Act obligations.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, 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 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
appeal decision of TRUIST XXXX to deny reimbursement for fraudulent transactions totaling {$9500.00} that occurred on my account

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 2025-04-28 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: OH

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 explanation
Consumer complaint received 2025-04-28 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: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau Representative, I am writing to formally lodge a complaint against Shellpoint Mortgage Servicing ( " Shellpoint '' ) regarding the improper handling of my property insurance proceeds following a declared bankruptcy and water damage incident. 

Shellpoint is the current servicer of my mortgage loan. On XX/XX/2025, my property sustained significant water intrusion damage. I filed an insurance claim with my property insurance provider and was issued a check in the amount of {$18000.00}, made payable to both myself ( XXXX XXXX ) and Shellpoint. 

On XX/XX/2025, prior to submitting the insurance check, I filed for bankruptcy protection under XXXX XXXX in the United States Bankruptcy Court for the Southern District of Florida ( Case No. XXXX ). Under the automatic stay provisions of the United States Bankruptcy Code, creditorsincluding mortgage servicersare prohibited from attempting to collect debts or improperly retain funds outside of authorized bankruptcy procedures. 

Despite this, on XX/XX/2025, Shellpoint received the insurance check and improperly placed the funds into an escrow account, citing my pre-bankruptcy delinquency status. However, my bankruptcy filing should have cured any prior delinquency for purposes of post-petition conduct. Moreover, the insurance proceeds check is well below the {$40000.00} threshold that Shellpoints standard policy reportedly uses to determine whether such checks should be held or processed differently. 

Additionally, Shellpoint utilizes a third-party vendor, XXXX, to manage lost draft insurance checks. Shellpoint has failed to notify XXXX of my bankruptcy filing, leaving them unaware of my protected legal status and further delaying the release of my insurance proceeds. 

Shellpoints actions are in clear violation of the federal automatic stay protections afforded under 11 U.S.C. 362. Their retention of the insurance funds without appropriate authorization constitutes an unlawful exercise of control over property of the bankruptcy estate.

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