vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-02 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 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 2025-04-02 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-02 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: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Subject : Formal Complaint AgainsXXXX XXXX XXXX & Westlake Financial Services for Vehicle Damage During Repossession Dear CFPB, I am submitting this formal complaint against XXXX XXXX and Westlake Financial Services regarding the unlawful damage to my vehicle during repossession and the subsequent mishandling of my claim. 

Incident Details : Date of Repossession : XX/XX/XXXX Date Vehicle Was Retrieved : XX/XX/XXXX Vehicle Make & Model : XXXX XXXX XXXX XXXX XXXX XXXX : Westlake Financial Services Repossession Company : XXXX XXXX On XX/XX/XXXX, my vehicle was repossessed by XXXX XXXX on behalf of Westlake Financial Services. After paying the required fees, I went to retrieve my vehicle. Upon inspection, I discovered that the front bumper and undercarriage were significantly damaged. 

When I asked about the damage, the employee at the storage yard falsely claimed that my vehicle arrived in that condition. When I questioned this further, he told me that if it was damaged during repossession, I needed to complete an affidavit online. However, this was false information, as I later had to request the affidavit directly from XXXX XXXX XXXX 

I then contacted Westlake Financial Services to inform them of the situation. A representative stated that they could not assist me but would note the damage on my account. They also claimed that they had received multiple complaints about XXXX XXXX damaging vehicles and would no longer work with them. However, I have reason to believe this was also false, as Westlake Financial continues to use their services. 

Violations & Reasons for Complaint : Property Damage & False Statements : XXXX XXXX damaged my vehicle and lied about how it occurred. 
Deceptive Business Practices : Misleading me about the affidavit process violates Texas consumer protection laws. 
Failure to Resolve the Issue : Westlake Financial failed to take responsibility for hiring a known negligent repossession company. 
Potential Violations of Texas Repossession Laws & UCC 9-609 : Repossession must be done without breaching the peace or damaging the vehicle. 

Requested Resolution : I request that XXXX XXXX XXXXnd Westlake Financial Services be investigated for their deceptive and damaging business practices. Additionally, I demand the following : Full compensation for my vehicle repairs caused by XXXX XXXX 

A formal investigation into XXXXXXXX XXXX XXXX repossession methods and their bond status. 

Penalties against XXXX XXXX and Westlake Financial if they are found violating Texas repossession or consumer protection laws. 

I am prepared to escalate this matter legally if necessary. Please contact me at your earliest convenience regarding my complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/year>, I made an agreement with JP Morgan chase on these terms : Pay XXXX and within 10 days my agreement would be finalized and my debt to JP Morgan chase would be XXXX. 

Chase did not process the payment until XX/XX/XXXX due to an error in which a banker entered in my account number wrong ( I have audio evidence where JP Morgan Chase admits they were liable ) After about 15-16 days without the agreement settled, I requested Chase return my funds due to breach of contract. 

JB Morgan Chase refused and also reported me to the credit bureaus that my balance is XXXX and noXXXX XXXX  as stated in our agreement Please inform me on where I can send the audio recordings

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: PA

Complaint narrative:
On XX/XX/year>, I noticed on my credit report that there was a collection from XXXX XXXX XXXX Collect Agency. First and Foremost I want to allege XXXX XXXX XXXX  ar in Total Violation of the Federal Debt Collection Prtatices act ; Whereas, listed as requirements of a collection agency by law : 1. ) The Debt Collector " MUST '' attempt to contact the consumer by phone or mail. 2. ) They " MUST '' send a dunning letter to the consumer via maill outlining the consumers right to get validation of this supposed debt and outline their right to dispute this supposed owe debt.

IN THIS CASE THIS COMPANY DID NIETHER OF THE ABOVE PRIOR TO PLACING THIS NEGATIVE TRAQDELINE ON MY CREDIT REPORT.. All in violation of F.D.C.P.A. Section 809 B,.. 
Second qand equally as important, I contacted XXXX via telephone. I aske them to give me details as to where this supposed debt originated. They told me XXXX XXXX in XXXX, XXXX. I proceeded to contact this hospital 's billing department and requested information pertaining to " ANY '' overdue bill that I XXXX owe them. The informed me in no uncertain terms that " I HAD NO UNPAID BILLS WITH THEM '' I contacted XXXX again and explained this to the company rep. Then I asked for a contact to the company/hospital where this supposed debt originated. The rep gave me a number to a Hospital in XXXX XXXX, XXXX as opposed to XXXX XXXX, XXXX where they originally told me this debt originated. 
I am of the opinion that due this company 's total disregard and their failed adherence to the law ( s ) as it pertains to the F.D.C.P.A. This company should be sanctioned or at the very least be made to review and moving forward make sure they are more consistent to consumers rights under the F.D.C.P.A.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: AR

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-02 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: AR

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  late payment {$520.00} I'm not aware of all this so I want this remove off of my credit Again they didn't acknowledge that these charges on my credit report are fraud and i have giving them a police report too so again i want this to be removed from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-02 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: IA

Complaint narrative:
I report to equifax that there where collection and inquiries on my account thats they manage was invalid and incorrect. Many companies ran my credit without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
dit Information To Whom It May Concern, I am an XXXX service member in the United States XXXX and have submitted a request to have my credit report updated to reflect the protections under the Servicemembers Civil Relief Act ( SCRA ). However, the credit bureau ( XXXX/Equifax/XXXX  ) has failed to : 1. Apply an XXXX XXXX XXXX on my credit report as requested. 
2. Correct inaccurate information, including [ describe the incorrect accounts, late payments, or errors ].

3. Honor my SCRA rights, which entitle me to protections from certain negative credit actions while on XXXX XXXX. 

I submitted my request on [ Date ], including my military orders and supporting documents, via [ Certified Mail / Online Dispute / Fax ]. Despite following the proper procedures, the company has either failed to respond or refused to correct the errors, negatively impacting my credit. 

Requested Resolution : I request that the Consumer Financial Protection Bureau ( CFPB ) intervene and require [ XXXX/Equifax/XXXX ] to : Immediately apply the XXXX XXXX Alert to my credit report. 
Remove inaccurate or outdated information that I have disputed. 
Ensure compliance with SCRA protections, including interest rate reductions and protection from unfair collection practices.

This issue has caused financial hardship and has the potential to impact my security clearance and military career. I appreciate the CFPBs assistance in ensuring compliance with federal consumer protection laws. 

Attachments : Copy of military orders ( proof of active-duty status ) Copies of dispute letters sent to the credit bureaus Credit report with disputed items highlighted Any responses ( or lack of response ) from the credit bureaus Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

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 2025-04-02 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: NC

Complaint narrative:
Dear Sir or Madam, I am disputing the accuracy and validity of the {$3300.00} collection account reported by XXXX XXXX XXXX under reference # XXXX. I do not acknowledge this debt and request full validation under the Fair Debt Collection Practices Act ( FDCPA ). First, I dispute the {$790.00} charge for " XXXX XXXX - 60 % '' dated XX/XX/year>. No photos, inspection report, or evidence of excessive damage was provided. Charging for routine wear and tear violates landlord-tenant law and can not be enforced without proof. I also never owned any pets that could contribute to this amount of damage. I am asking for invoice for carpet contractor.

I did not receive any photos, inspection reports, or documentation proving damage beyond normal use. Additionally, the landlord failed to pro-rate the carpet cost based on its age, as required by fair housing standards. 

I am requesting that XXXX XXXX XXXX : 1. Provide full validation of the charges, including receipts, photos, and calculations 2. Adjust or remove any charges that are unsupported or non-compliant 3. Cease credit reporting or collection activity until validation is complete The move-out statement includes a charge or reference to Accord and Satisfaction, which is not an actual service or valid expense. Accord and satisfaction is a legal term referring to a settlement agreement, not a billable item. I never entered into any settlement or agreement regarding this debt, and I never consented in writing or otherwise to such terms. 

As such, I am requesting that any charge labeled Accord and Satisfaction be removed and not considered part of the balance due. Including such a charge is misleading, potentially deceptive, and may violate the Fair Debt Collection Practices Act ( FDCPA ).

If this debt can not be fully validated and corrected, I request that it be deleted from my credit file. 

I request this account be removed from my credit report unless verified with complete documentation. Please investigate and respond in within 30 days.

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 2025-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
The total for this account is incorrect. I moved out long before the XXXX total reach {$1000.00} dollars. I moved out in XX/XX/year> and my bill out standing total was only {$600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-04-02 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-02 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: NE

Complaint narrative:
I AM SO DEVASTATED CURRENTLY AND XXXX I recently discovered that I was listed as part of the XXXX data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

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 2025-04-02 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: VA

Complaint narrative:
I am formally disputing the unauthorized hard inquiries that have been reported on my credit file by the three major credit bureaus ( Experian, Equifax, and TransUnion ). I have not authorized these inquiries, nor do I have any existing or past accounts with the company responsible for these inquiries. This is a direct violation of my consumer rights, and I demand immediate removal of these unauthorized inquiries from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency is strictly prohibited from furnishing a credit report to any entity without the express authorization of the consumer. Additionally, unauthorized credit inquiries may also constitute a violation of 15 U.S.C. 1681n and 15 U.S.C. 1681o, which provide for civil liability against any entity that willfully or negligently violates the FCRA.

Furthermore, these hard inquiries are damaging my credit score and financial standing. Since I have not granted permission for these inquiries, they must be removed immediately to prevent further harm. The credit bureaus failure to verify my explicit authorization before placing these inquiries on my credit report is a clear violation of federal law and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CashRepublic Holdings, Inc.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing to dispute an inaccurate account listed on my XXXX credit report under : Creditor Name : XXXX XXXX Date Opened : XX/XX/XXXX Original Balance : {$4300.00} Past Due / Balance Reported : {$7200.00} Last Payment Date : XX/XX/XXXX Charge-Off Reported Date : XX/XX/XXXX This account contains multiple inconsistencies and potential Fair Credit Reporting Act ( FCRA ) violations : 1. The balance has increased significantly beyond the original loan amount, suggesting excessive and predatory interest or fees.

2. The account appears to have been re-aged, with the charge-off date recently updated ( XX/XX/XXXX ), despite no payment activity since XX/XX/XXXX. 
XXXX. Reporting a major delinquency nearly XXXX years after the first delinquency ( XX/XX/XXXX ) is misleading and impacts the accuracy of my report. 

Additionally, under North Carolina law ( XXXX XXXX XXXX. XXXX ), lenders may not charge excessive interest without proper licensing. The balance reported on this account has increased significantly beyond the original loan amount with no payments made, suggesting unlawful interest accrual. Furthermore, re-aging a debt past the true date of delinquency violates both FCRA and North Carolina General Statutes 75-55. 


I request that XXXX conduct an immediate investigation and delete this account if the reporting can not be verified with complete accuracy and full compliance with the FCRA.

Company response to consumer: Closed with explanation