vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. 
If you believe you sent proper notification please provide 'Certified Mail ' with Receipt displaying my signature. If not, please delete XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
This collection account is not mine. I never opened this account and request its removal.

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 2025-04-30 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$14000.00} INQUIRIES : XXXX 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 non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
On XX/XX/year>, my vehicle was repossessed by Westlake Financial. I received a single letter in the mail containing only a phone number with no clear written instructions regarding the amount owed, payment options, or vehicle location, which violates my rights under state and federal law. 
When attempting to resolve the situation by calling Westlake, I was repeatedly hung up on, placed on indefinite holds, or instructed to make payment via XXXX a method that is non-secure and inconsistent with typical banking standards. 
I have requested a full itemized statement and legitimate payment instructions multiple times without success. 
I am requesting : Immediate written documentation of the payoff amount. 
The official release location of my vehicle. 
Secure and legitimate payment options ( e.g., via Westlakes verified payment portal or direct debit ). 
A formal investigation into Westlakes repossession and customer service practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CO

Complaint narrative:
Subject : Credit Report Discrepancy XXXX Account [ XXXX ] To Whom It May Concern, I am writing to formally dispute inconsistent reporting on my XXXX XXXX XXXX credit card account ( ending in XXXX ) across multiple credit bureaus. 

Upon reviewing my credit reports, I noticed the following discrepancies : One report lists the account as past due as of XX/XX/year>, while another states past due as of XX/XX/year>. 

The balance update date is listed as XX/XX/year> on one report and XX/XX/year> on another. 

There is also an inconsistency in the payment history for XX/XX/year>, where one report marks it as CO ( charge-off ), and the other shows no update. 

These differences impact the accuracy of my credit profile. I respectfully request an investigation and correction to ensure the reporting is consistent and accurate across all bureaus. I respectfully demand this be taken off as this is the 4th time you have failed to accurately update my report. I attached below both reports from the last month showing the differences. 

Please confirm receipt of this dispute and provide written confirmation once the investigation is completed. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/year> I was a victim of Fraud on my credit card. I got a text from the credit card company where they declined a charge of XXXX and asked if I approve of the charge. I said NO so they responded with a follow up text telling me my card has been compromised and is restricted. They asked me to call.. I called and reported the fraud and they told me I had another charge on my card of XXXX that was approved right before the next charge for the same company that tried to charge the previous amount. I told them that I did not approve that charge either. They opened up a Fraud claim and said they would investigate it. On XX/XX/year> I received a letter in the mail saying that Bank of America denied my claim saying that I approved the charge after I submitted the claim. I immediately called the Claims Dept again to question their findings.I again told them that I did not approve this charge and that I never received TEXT saying I had a charge of XXXX so I could of said no like I did with the XXXX charge. They said they would reopen the claim and check into it. On XX/XX/year> I received another Denial letter of my fraud claim AGAIN saying that I approved the charge after I opened the claim. I immediately called again to question their answer. They again said that they would re-open the claim and investigate it again. I feel like this is going to be the same outcome. I opened up a Police report on XXXX and now trying to get help with this as I am out of answers to get this fraud claim resolved. I have all my documentation of the one text I did receive from Bank of America for the charge of XXXX. I never received a text for the XXXX charge. If I did I would have said NO to that as well. Please let me know if I can do anything else to try and get this resolved. Thank you. 
The company is : Bank of America XXXX XXXX XXXX XXXX XXXX, Tx 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 monetary relief
Consumer complaint received 2025-04-30 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-30 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act CREDENCE RESOURCE MANAGEMENT, has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as late for any purpose Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
On XX/XX/year>, at XXXXXXXX XXXX EST, I called Marcus by Goldman Sachs because my account was locked and the online system instructed me to call. The representative placed me on hold and then informed me that they were not authorized to disclose the reason for the lock and that my account was being closed. I was transferred to another representative named XXXX, who told me the decision to close the account was made on XX/XX/year>, and that a letter was sent to my address on XX/XX/XXXX. XXXX said I would be able to access my statements within 13 business days. XXXX could not update my phone number due to the account lock, nor could she remove restrictions to confirm a new number via email. XXXX said the transfer of my funds to my connected account would serve as the account closure and proceeded to read a disclosure stating that I requested the closure. On the recorded line, I clearly stated that I did not accept the disclosure, I had not requested the account closure, and that Marcus was closing the account unilaterally. I authorized the transfer of my funds but reiterated that I did not accept the terms or characterization of the closure. XXXX provided a transfer confirmation number. Despite my objections, XXXX continued to imply that I had requested the closure. At the end of the call, XXXX passively stated, the account was closed, after I had clarified that Marcus had made that decision, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I filed an complaint against Sloan Servicing on XX/XX/year> stating that i was incorrectly reported to the Credit Bureau and that my loan was not delinquent as I was in Forbearance until XX/XX/year>, and afterwards approved for an Income Driven Repayment plan. 

Sloan Responded but have not corrected the issue. They also incorrectly stated that I was sent notices and that they tried to contact me repeatedly. This is simply not true. The first correspondence that I received from them was date XX/XX/year> and a statement due date of XX/XX/year>. By the time I received this correspondence they had already reported me to the Credit Bureau. 

This is simply not acceptable and I hope that this dishonesty does not continue as I am keeping all records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
RE : [ Portfolio Recovery Associates LLC ], This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. ( PORTFOLIO RC - XXXX ) This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

" Estoppel by Silence '' Precedent Definition : " Estoppel by Silence '' is a legal principle that prevents a person from making a claim in court if they previously remained silent, despite having the duty and opportunity to speak, and their inaction caused harm to another party who relied on that silence. 

Legal Application : This doctrine applies when someone, knowing that another person is acting under a mistaken assumption, fails to correct the misunderstanding and later tries to benefit from it. 

XXXX XXXX : XXXX XXXX XXXX, XXXX Md. XXXX ( 1906 ) In this case, the court ruled that a landlord who remained silent while their tenant planted crops, which would mature after the lease expired, was estopped from denying the tenant the right to harvest those crops after the lease ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NC

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
Consumer complaint received 2025-04-30 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year> Experian

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 2025-04-30 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Unknown - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I had a fraudulent charge with XXXX XXXX that they didn't honor despite the police report and the identity theft report I sent in and now a predatory credit agency by the name of Radius Global Solutions LLC is claiming it is a debt the account has not even been closed 90 days and they have stolen this information which is not true.

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 2025-04-30 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: TX

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 2025-04-30 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. 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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Placed an order through the credit card I have with XXXX XXXX XXXX XXXX XXXX credit card through comenity on XX/XX/XXXX for {$190.00} at XXXX Stores * XXXX, but never received the item. The merchant told me to dispute it with the credit card company. Put in my first dispute a week later only for the dispute to be closed pending more information when I sent them all of the supporting documents plus a police report. Re-opened the dispute again for it to be closed again for the same reason. I have call in and spoke to customer service reps who told me to message, even though I've told them I've message multiple times in which the response was to call in. No one seems to know how to help me and continue to tell me to write in. This feels like theft and I've done everything I can but they won't help me. No one can tell me what more information they need me to submit. I haven't received the item and shouldn't have to pay for an item I didn't get. They have closed this dispute many times stating they needed more information even though I've provided additional information numerous times. I submitted a XXXX  complaint and they still didn't solve this issue. They closed the dispute again on XX/XX/XXXX stating the package was marked delivered, which I already told them the package was stolen. They told me to reach out to XXXX or the Merchant which I did in XXXX and was told to dispute it with my bank. I decided to close the account, but I had to pay for the item I didn't received and feel like I've been stolen from. The customer service is so poor and they did nothing to protect a consumer.

Company response to consumer: Closed with explanation