vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing this complaint against National Credit Systems due to their ongoing reporting of a derogatory account on my credit report that I never authorized, and that remains unvalidated despite a formal dispute. 

On or around XX/XX/year>, I submitted written disputes to XXXX XXXX XXXX XXXX regarding this collection account. As of today, National Credit Systems has failed to provide any written response, documentation, or proof of debt. This violates my rights under the Fair Credit Reporting Act : 15 U.S.C. 1681i Reinvestigation of Disputed Information 15 U.S.C. 1681g Full Disclosure of Information in File 15 U.S.C. 1681s-2 Furnisher Obligations for Accuracy Most importantly, I never gave permission for National Credit Systems to obtain or report my personal information. I never signed any agreement, contract, or lease authorizing this company to access, handle, or report on my credit file. 

I am demanding full accountability for how they obtained my information and the legal authority under which they claim to report this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

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

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
To Whom It May Concern, I am writing in response to a collection notice I received from your agency regarding an alleged debt with account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, referenced in your communication dated XX/XX/year> This letter is sent in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, which grants consumers the right to dispute the validity of a debt and request verification. 
I am formally disputing the validity of this debt and requesting that you provide full verification of the debt as required by law. Until proper validation is provided, you must cease all collection activities, including reporting this debt to any credit reporting agency, as stipulated in 15 U.S.C. 1692g ( b ). 
Please provide the following information : The name and address of the original creditor. 
The amount of the alleged debt and a breakdown of any interest, fees, or other charges. 
Documentation that verifies I am legally obligated to pay the alleged debt. 
A copy of the original signed agreement, or other proof, that establishes the debt and your authority to collect on it. 
Proof that your agency is licensed to collect debts in my state, if applicable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Westlake Services, LLC
State: OK

Complaint narrative:
I over paid my pay off by {$7.00}. They are sending me an account that I do not want and cost me {$4.00} per month to activate a virtual XXXX. I have requested a paper check or ACH back to my account. 
The are taking 60 days to send me my title and lein release because I didnt go to a bill pay site and pay {$9.00} or {$49.00} to use the website. They received the funds immediately thru my bank account faster than the bill pay. This has been the worst experience Ive ever had to pay off a vehicle. They wouldnt even let me have access to my account on line because they said it was part of a bankruptcy. It was not. WestLake Financial Services are a ridiculous hassle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: AR

Complaint narrative:
Please take action to delete these unauthorized accounts from my credit file. I neither approved nor recognized their origin. Under USC 1681g, I formally request their removal within 15 days. I have included the necessary documents for verification.

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 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
This company has reached out to my sister disclosing my personal information to her without my permission. It is a complete violation of my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: Block, Inc.
State: CA

Complaint narrative:
I ordered my Cash App card over 2 weeks ago, and I was supposed to receive my physical cash app card in the mail on or before todays date XX/XX/XXXX. When I logged into my account I was prompted by a message informing me that there had been an issue with the address I provided and couldnt be delivered. I was never informed of this via email or text and there was nothing wrong with the address provided. I reached out to customer support on the app only to be told by an extremely rude and unhelpful person over and over that it was ordered and would arrive on todays date completely avoiding the issue at hand that the app had just informed me that was not the case. I then tried calling Cash App only to be informed by another extremely unhelpful and unpleasant employee about a completely different issue that another card was ordered on my account 4 days ago at XXXX that was not my doing. This again led me absolutely nowhere and more confused about what the XXXX I needed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Re : Cease and Desist Demand FDCPA, 15 U.S.C. 1692c XXXX ID : XXXX Original Creditor : Capital One, N.A. 
Account Number ( Last 4 ) : XXXX To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c, I hereby demand that you cease all communication with me regarding the above-referenced alleged debt. 

This request prohibits : Telephone calls to my home, work, or cell phone Written correspondence to my residence or place of employment Electronic communications of any kind As provided under federal law, after receipt of this letter you may only contact me to : Confirm that further communication will cease ; or Notify me of specific legal remedies you may pursue. 

Be advised that any additional unauthorized contact will constitute a violation of the FDCPA and may subject your company to legal liability for damages, attorneys fees, and costs. 

I expect full compliance with this request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-08-20 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: FL

Complaint narrative:
I am a victim of identity theft and I'm just trying to get my life back in the right direction...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
XX/XX/year> I purchased a used truck from XXXX XXXX and the check engine light was coming on and off I had to take the truck back XXXX finally I told them you are not fixing the problem they were bypassing the check engine light so the truck was shaking real bad to where I had to pull over shut the engine of and cranked it back up to get it back to the dealership I just feel like XXXX XXXX and XXXX XXXX was not doing their job properly they kept trying to tell me I was lying I had been in loaner cars since I signed for the truck. Remind you I purchased XXXX vehicles and I had to tell XXXX XXXX that the service guy had put the wrong tires on the XXXX XXXX XXXX is very confrontational I just feel like they was trying to get over on me as a customer Its like he wanted this to go past the of days to return the vehicle I believe XXXX XXXX tried to sell me a lemon it been 2 months this didnt make sense

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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:
Equifax, Experian and TransUnion are inaccurately reporting my date of birth. This error has caused accounts, inquiries and addresses that do not belong to me to be linked to my credit file and causing a direct impact on my life resulting in a hardship. 
I have disputed these inaccuracies directly with the credit bureaus. Despite my disputes, they have continued to report the incorrect date of birth and the fraudulent accounts associated with it. 
Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) requires credit bureaus to assure maximum possible accuracy.

15 U.S.C. 1681i requires a reasonable reinvestigation when a consumer disputes inaccurate information.

15 U.S.C. 1681c-2 gives me the right to block identity theftrelated accounts from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: MO

Complaint narrative:
Equifax, Experian and TransUnion are inaccurately reporting my date of birth. This error has caused accounts, inquiries and addresses that do not belong to me to be linked to my credit file and causing a direct impact on my life resulting in a hardship. 
I have disputed these inaccuracies directly with the credit bureaus. Despite my disputes, they have continued to report the incorrect date of birth and the fraudulent accounts associated with it. 
Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) requires credit bureaus to assure maximum possible accuracy.

15 U.S.C. 1681i requires a reasonable reinvestigation when a consumer disputes inaccurate information.

15 U.S.C. 1681c-2 gives me the right to block identity theftrelated accounts from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: NJ

Complaint narrative:
I am submitting this formal complaint against Equifax for repeated and egregious violations of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681 et seq. Over an extended period of time spanning well beyond a year, I have submitted numerous formal disputes regarding the fraudulent XXXXXXXX XXXX XXXXXXXX XXXX & XXXX XXXX which was accessed and reported without a permissible purpose in direct violation of 1681b ( a ). Despite providing all required documentationincluding government-issued identification, proof of address, a valid Identity Theft Report, and a signed statement under penalty of perjuryEquifax has failed to take corrective action or respond as required by law. My signed statement under penalty of perjury was submitted in accordance with FCRA 605B, which requires credit reporting agencies to block fraudulent information when a consumer provides proper identity theft documentation. This sworn statement affirms that the disputed account was not authorized by me and is the result of identity theft, and it legally obligates Equifax to block the account within four business days of receipt. Their failure to do so is a direct violation of 605B ( a ). The following letters were sent as part of my ongoing efforts to resolve this matter : XX/XX/year> Sent ID Theft letter XX/XX/year> Sent ID theft Non Compliance Letter XX/XX/year> Sent Continued Noncompliance with FCRA Final Demand for Deletion of Fraudulent Accounts XX/XX/year> Sent Formal Complaint and Demand for Immediate Compliance Violations of the FCRA and CCRAA XX/XX/year> Sent ID Theft Letter. These letters, along with many others sent prior, were submitted in good faith and in full compliance with FCRA procedures. Equifax has ignored these disputes and failed to respond within the statutory 30-day window under 1681i ( a ) ( 1 ) ( A ), constituting repeated and ongoing violations of federal law. XXXX continued reporting of the XXXXXXXX XXXX XXXXXXXX XXXX XXXX account after being notified multiple times of its illegitimacy and lack of permissible purpose demonstrates a pattern of willful noncompliance under 1681n and negligent noncompliance under 1681o. These repeated violations have caused me substantial financial harm, emotional distress, and reputational damage, including denial of credit opportunities and undue scrutiny

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am reporting a matter related to incorrect details on my credit file. Equifax confirmed that a system error caused my personal information to be exposed and subsequently misused. I have faced denials as a result, and I am asking for this issue to be addressed and resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: WESTSTAR MORTGAGE CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I funded {$400000.00} to XXXX XXXX of XXXX XXXX for a hard money loan, with a two year maturity date of XX/XX/XXXX. Weststar Loan Servicing was the designated servicer. When the loan matured in XX/XX/XXXX, I received no notice from XXXX or Weststar. I contacted XXXX XXXX directly, and he informed me he had unilaterally extended the loan for another two years without my consent, notice, or signature. I requested extension documents, but XXXX refused to provide them. When I contacted Weststar for these same documents, they also refused to provide them. 

Because I relied on repayment of this loan, I asked XXXX XXXX to buy me out. For nearly two years, he made empty promises and failed to act. On XX/XX/XXXX, I emailed Weststar again requesting the loan extension documents I am entitled to as a lender. Instead of providing them, Weststar directed me back to XXXX XXXX, the very party who had already defrauded me and ignored my legal request. Mail tracking confirms Weststar opened my email over 40 times but still provided no response. 

Instead, on XX/XX/XXXX I received a letter from Weststar stating they were transferring my loan to their parent company, with no explanation. I believe this transfer was retaliatory for asserting my rights and an attempt to conceal wrongdoing regarding this loan. 

On XX/XX/XXXX, Weststar received ( and signed for ) my Notice of Error and Request for Information ( NOE/RFI ). Under RESPA and Regulation X ( XXXX XXXX XXXXXXXX ), Weststar is legally required to acknowledge receipt within 5 business days. As of today, XX/XX/XXXX, I have received no acknowledgment and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation