vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Heres a revised letter you can use to write to the Consumer Financial Protection Bureau ( CFPB ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX ] XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Billing Errors for {$5000.00} XXXX XXXX Dear CFPB, I am writing to formally request your assistance in resolving a billing error and related concerns regarding my {$5000.00} title loan with Wilshire Consumer Credit , LLC .

I have been making monthly payments of {$310.00} as agreed, and to date, I have made five payments, totaling {$1500.00}. Despite this, when I review my account through the companys app, it continues to show a balance of {$5000.00}, as though no payments have been applied to reduce the principal. This is both confusing and alarming.

Additionally, Ive noticed discrepancies in the payoff quotes provided by the app and the companys automated payment center : The app states my payoff amount as {$5400.00}.

The automated voice payment center quotes a different payoff amount of {$5300.00}.

I have screenshots and screen recordings documenting these inconsistencies, as well as records of my payments. These discrepancies raise significant concerns about the companys accounting practices and whether my payments are being applied correctly.

In my research, I discovered that Wilshire Consumer Credit has a troubling history, including previous CFPB actions against them for illegal debt collection tactics. They have also been reported to engage in practices such as : Repossessing vehicles without court orders. 
Repossessing vehicles owned by service members. 

Additionally, Wilshire Consumer Credit is not BBB accredited, and the BBB website is filled with reviews from other customers alleging similar issues, including improper accounting of payments and misleading business practices. 

This situation has caused me considerable stress, as I feel I am not being treated fairly or transparently. I respectfully request the CFPBs help to investigate and resolve the following : 1. Why my payments have not been applied to reduce the loan principal.

2. Why the payoff quotes differ between the app and the automated system.

3. Whether Wilshire Consumer Credit is complying with federal and state laws regarding loan servicing.

I would appreciate your prompt attention to this matter and am happy to provide all supporting documentation, including screenshots, payment records, and screen recordings, as needed. 

Thank you for your time and assistance in addressing this matter. 

Sincerely, XXXX XXXX XXXX XXXX Submit this letter online via the CFPB complaint portal or mail it to their address. Be sure to include all supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
Sequium XX/XX/2024 amount {$1900.00} conflict not resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXXXXXX XXXX  account is closed and charged off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries and accounts. Block and remove them.

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 2025-01-13 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: IN

Complaint narrative:
Consumer Name : ( 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 XXXX, XXXX, Equifax 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 Accounts : XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$260.00}. Inquiries : XXXX XXXX, XXXX, XXXX XXXX Via Dealer, 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. 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 # ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: IN

Complaint narrative:
Consumer Name : ( 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 XXXX, Experian, XXXX 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 Accounts : XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$260.00}. Inquiries : XXXX XXXX, XXXX, XXXX XXXX Via Dealer, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX In Members XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 # ( XXXX ) 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 2025-01-13 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: Kikoff Inc.
State: VA

Complaint narrative:
XXXX KikOff IncXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Attention : Office of General Counsel Enclosed & Attached- XXXX XXXXSelf Annotated Member Agreement- Please Address Each Section Highlighted Exhibits Of Late Payments From XXXX XXXX & XXXX XXXX XXXX XXXX Power of Attorney Document KikOff Support Case Emails Page 13 Under Kikoff Card Member Agreement Under Subsection Governing Law : Governing Law THE TERMS AND ENFORCEMENT OF THIS AGREEMENT AND KIKOFF ACCOUNT SHALL BE GOVERNED AND INTERPRETED IN ACCORDANCE WITH FEDERAL LAW AND, TO THE EXTENT STATE LAW APPLIES, THE LAW OF THE STATE OF WASHINGTON, WITHOUT REGARD TO CONFLICT-OF-LAW PRINCIPLES. THE LAW OF THE STATE OF WASHINGTON, WHERE WE AND YOUR DEPOSIT ACCOUNT AND CARD ARE LOCATED AND FROM WHICH WE EXTEND CREDIT TO YOU, WILL APPLY NO MATTER WHERE YOU LIVE OR USE THE DEPOSIT ACCOUNT AND/OR CARD. 

Page 2 On KikOff Terms Of Service Subsection Consent To Receive and Use Consumer Information : I understand that I am providing written instructions in accordance with the Fair Credit Reporting Act and other applicable law for Kikoff and its affiliated companies to request and receive copies of consumer reports, scores, and other information about me from third parties, including, but not limited to, XXXX, XXXX and XXXX. I understand that my instructions permit Kikoff and affiliated companies to obtain such information at any time for as long as I have a registered Kikoff account and to use it as described in the Terms of Service and Privacy Policy. 

The specific late payment in question, which is reflected in my account records, does not comply with the prescribed timelines for processing payments under the law. I request that you promptly review the relevant records and adjust the principal, XXXX XXXX payment history accordingly to reflect accurate and lawful reporting PER Federal Law 15 U.S.SC. 1666b.Opt Out : Per Federal Law, A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per Federal Law A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

I, XXXX XXXX XXXXAuthorized Representative here on behalf of /principal. I XXXX XXXX : XXXX accepts all Titles, All Rights, All Interest, and Guaranteed Equity owed to Principal XXXX XXXX I hereby instruct you to apply the Principals Balance to Principals Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I checked my credit with all credit reporting agencies on XX/XX/year> I am writing regarding the alleged debt associated with SYNCHRONY NETWORKS XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX in the amount of {$4000.00} which is reporting to my credit report as charged off as profit and loss write-off. As of this date, I have not received a Form 1099-C for this cancellation of debt, which is required to be provided under IRS guidelines Internal Revenue Code Section 6050P for debts forgiven in excess of {$600.00}. I am formally requesting that you issue a Form 1099-C as required by law so that I may accurately report this on my tax return. Please note that failure to provide this form may subject your company to penalties as outlined by IRS regulations. Per IRS instructions, Form 1099-C must be issued by XX/XX/XXXX of the year following the debt cancellation. For more detailed IRS guidance on this, you can refer to XXXX XXXXXXXX XXXX. If the 1099c is not issued to me, I will be forced to file a XXXX or form XXXX whistleblower form with the Internal Revenue Service.

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 2025-01-13 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: FL

Complaint narrative:
XXXX XXXX [ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXXXXXX XXXX ] [ XXXX, FL XXXX ] Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Trafficking Block Request [ Your Account Number ( if known ) ] Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ADDRESSES : XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, fl XXXX ACCOUNTS XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Check credit or line of credit XXXX XXXX XX/XX/XXXX COLLECTION XXXX XXXXXXXX XXXX XXXX XXXXXXXX FL XXXX XX/XX/XXXX COLLECTION XXXX XXXX XXXX XXXX XX/XX/XXXX CREDIT CARD XXXX XXXX XX/XX/XXXX CREDIT CARD XXXXXXXX XXXX XXXX XX/XX/XXXX CREDIT CARD XXXX XXXX XXXX XXXX XX/XX/XXXX CREDIT CARD DEPT OF EDUCATION XXXX XX/XX/XXXX Educational DEPT OF EDUCATION XXXX XX/XX/XXXX EDUCATIONAL DEPT OF EDUCATION XXXX XX/XX/XXXX EDUCATIONAL DEPT OF EDUCATION XXXX XX/XX/XXXX EDUCATIONAL DEPT OF EDUCATION XXXX XX/XX/XXXX EDUCATIONAL XXXX  XXXX XX/XX/XXXX INDIVIDUAL SUNRISE BANK XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX NOTE LOAN XXXX  XXXX XX/XX/XXXX CHECK CREDIT OR LINE OF CREDIT XXXX  XXXX XX/XX/XXXX CHECK CREDIT OR LINE OF CREDIT 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 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 


Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one closed all cards during XXXX 12 CFR Part 1002 - PART 1002EQUAL CREDIT OPPORTUNITY ACT ( REGULATION B ) Also A section of the CARES Act amends the Fair Credit Reporting Act ( the FCRA ) and generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by XXXX. 

15 U.S Code 1681 ( e ) ( b ) - Accuracy of credit reporting. They must ensure that information they report is up to date 15 U.S.Code 1681 ( i ) - Failure to investigate or update your report after a dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My address is XXXX XXXX XXXX XXXX IL XXXX. All other addresses should be deleted because they are connected to fraudulent activity XXXX XXXX XXXXXXXX. 

Please delete XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX People use these addresses to commit identity theft in my name.

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 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My address is XXXX XXXX XXXX XXXX IL XXXX. All other addresses should be deleted because they are connected to fraudulent activity XXXX XXXX XXXX 

Please delete XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX People use these addresses to commit identity theft in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-01-13 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: VA

Complaint narrative:
I am a victim of identity theft. I have never given any permission for any consumer reporting agency to furnish my credit report. In light of the data breach at XXXX and other institutions, my privacy has been compromised. The company also included unverified and inaccurate information on my credit report from a third party. I have a right to privacy. 15 US 1681 ( a ) ( 2 ) states that a consumer reporting agency may furnish a consumer credit report with the written instructions from the consumer to whom the report relates. Permissible purpose is written consent, I have never given written consent therefore this is also identity theft.

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 2025-01-13 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: Synovus Bank
State: PA

Complaint narrative:
Identify theft SynovusXXXX XXXX someone used my personal information to obtain a credit card from Synovus/ XXXX XXXXXXXX I did not approve or authorize this credit card the amount XXXX the date account was closed is XX/XX/2023

Company response to consumer: Closed with explanation