vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: CA

Complaint narrative:
Between XXXX and XXXX, I discovered and disputed several fraudulent accounts on my credit reports. These accounts were opened in my name without my authorization and linked to identity theft, including false names such as XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and employment information like XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX. 

The disputed and deleted accounts include : XXXX XXXX ( Acct # : XXXX ) XXXX CARD ( Acct # : XXXX and XXXX ) XXXX XXXX XXXX ( Acct # : XXXX ) XXXX XXXX XXXX ( Acct # : XXXX ) These accounts were deleted after disputes, but in XX/XX/XXXX, they were reinserted into my credit reports without proper written notice, in violation of the Fair Credit Reporting Act ( FCRA ). 



What laws were violated? 
FCRA XXXX ( a ) ( XXXX ) ( B ) : Requires written notice within XXXX business days of reinserting previously deleted information, along with the name, address, and phone number of the furnisher. 
FCRA XXXX ( a ) ( XXXX ) ( A ) : Prohibits furnishers from reporting information known to be inaccurate or fraudulent. 
FCRA XXXX : Requires credit bureaus to block identity theft-related information upon receipt of a valid identity theft report. 
FCRA XXXX and XXXX : Provides for statutory or actual damages for willful or negligent noncompliance with FCRA. 



What would be a fair resolution? 
XXXX. Permanent deletion of all reinserted fraudulent accounts listed above from all credit bureaus ( Experian, Equifax, TransUnion ). 
XXXX. A written explanation detailing : The dates and reasons for the reinsertion of each account ; Whether the reinsertion was certified ; The name, address, and phone number of each furnisher, as required under FCRA XXXX ( a ) ( XXXX ) ( B ) ; Why no written notice was provided to me within XXXX business days. 
XXXX. Correction of all damage to my credit reports and scores caused by these reinserted accounts and false personal data. 
XXXX. Written assurance that these accounts and personal identifiers will not be re-reported in the future unless fully certified and legally verified in accordance with FCRA XXXX. 
XXXX. If the reinsertion occurred willfully or negligently, I request the CFPB pursue appropriate enforcement and statutory damages under FCRA XXXX and 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 2025-07-15 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: NY

Complaint narrative:
i requested that transunion, equifax and experian to please correct the spelling of my name and that my address be also updated to my new and current residence. 

i am the only person on the lease. 

i have made several requests this year.

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 2025-07-15 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: NY

Complaint narrative:
i requested that transunion, equifax and experian to please correct the spelling of my name and that my address be also updated to my new and current residence. 

i am the only person on the lease. 

i have made several requests this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: LA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-15 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: NJ

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiviXXXX 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, These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiviXXXX 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, These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: COLLECTIONS USA, INC.
State: NC

Complaint narrative:
I keep getting this scam emails. I have not taken this loan. 

Hello, We trust this message reaches you in good health. This is to formally inform you that your loan account associated withCase # XXXX now been escalated to ourDebt Collection Divisionfor urgent resolution. 



Outstanding Loan Balance : As per our financial records, your account withXXXX XXXXreflects an outstanding balance ofUSD XXXX. This total includes the principal loan amount, accrued interest, administrative processing fees, and applicable legal charges. 



Legal Concerns Identified : Upon review, yourSocial Security Numberhas been flagged in connection with the following serious financial discrepancies : Default on a Secured Financial Agreement Breach of Contract under the Electronic Loan Disbursement Act Improper Management of Funds through ACH Transactions Inaccurate and Misleading Financial Representation Required Action Timeline : You are hereby advised that immediate action is requiredwithin 48 hoursto avoid the initiation of legal proceedings under relevant federal and state financial laws. Ignoring this notice may result in consequences such as : Wage garnishment Legal judgment Seizure of eligible assets Adverse impact on your credit file Available Resolution Options : In order to settle this matter amicably and avoid further escalation, you are offered the following resolution choices : One-Time Settlement : A reduced payment ofUSD XXXXto close the account in full, with no further liability. 



Structured Payment Plan : An initial payment ofUSD XXXX today, followed byweekly payments of USD XXXXuntil the full amount ofXXXX XXXXis cleared. 





Immediate Next Steps : To initiate a payment or to discuss your available options, please contact us without delay XXXXWe strongly recommend addressing this issue promptly to prevent further complications, including legal involvement. 



We appreciate your timely attention to this matter and are committed to resolving it in a professional and respectful manner. 



Sincerely, XXXX XXXX Debt Collection Department Email upon reply reads : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company:  Lippman Recupero, LLC
State: FL

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX charged off my credit card account in 2021 and issued me a 1099-C for canceled debt. Despite this, they continue to report the account as past due with a balance on my credit reports. I believe this is inaccurate and misleading under the Fair Credit Reporting Act ( FCRA ) because the debt was canceled and should no longer be reported as collectible. I am requesting that the CFPB review this matter and ensure that XXXX XXXX XXXX XXXX XXXX Lippman Recupero ( the custodian of the charged off debt ) updates the reporting to reflect the correct status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: AL

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the Credit Reporting Agencies for validation or debt, however, the information has not been provided Due to my information being exposed, I have submitted a FTC complaint reporting the information i am not familiar with Please find attached a copy of My ID, The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt Letter.

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 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened a secured credit card with Capital One in XX/XX/XXXX with a {$200.00} refundable deposit. The account was closed in XX/XX/XXXX. According to my CreditWise/XXXX credit report, the account is listed as Closed, Paid, {$0.00} Balance. 

After paying off the balance, I never received my {$200.00} security deposit back. I contacted Capital One and spoke to a supervisor named XXXX ( Employee ID : XXXX ), who told me they could not locate any record of my account, despite me providing full details and showing my credit report. 

Capital One says they exhausted all search methods and couldnt help. I believe Im owed either a refund or documentation explaining what happened to my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: IA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I filed a dispute through PayPal for a total of {$500.00}. That same day, I removed my debit card and associated bank account from my PayPal account. Despite this, PayPal issued the refund to the removed ( inactive ) debit card on XX/XX/year>. 

I later confirmed with my bank that the refund was rejected and returned to PayPal. I contacted PayPal via phone call on XX/XX/year> to request an update and was told the funds would be tracked and returned to my balance. Instead, I received a message on XX/XX/year> about an unrelated refund. 

As of today, XX/XX/year>, I have not received the funds. I again called PayPal to check on the status. And was told that I needed to contact my old bank because they have already sent out the funds. This is not my responsibility they sent the funds in error and I should not have to try to find my money that is their job! It is their internal processing error they need to fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: GA

Complaint narrative:
In early XXXX, I submitted several negotiable instruments intended to lawfully discharge my auto loan obligation with Westlake Financial Services. My account was never properly credited, and none of the instruments were returned to me. 

I sent multiple written requests asking Westlake to provide a proper accounting and verification of their legal authority to collect. On XX/XX/year>, I specifically requested XXXX, XXXX, and Reimbursement, but I have received no meaningful response. 

I also requested : Proof of ownership of the account A statement of approval or correction Chain of title for the loan A copy of the signed retail installment contract Servicing and Collection Agreements, if any third party is acting as their agent Pooling and Servicing Agreements Any Bill of Sale with attachments outlining ownership and transfer of my account Despite these requests, my account has not been adjusted to reflect my lawful tender. 

I have also repeatedly requested the vehicle title, as required once the loan obligation is XXXX, but Westlake has failed to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NATIONWIDE ACCEPTANCE LLC
State: FL

Complaint narrative:
I am filing this formal complaint against Nationwide Acceptance for engaging in unfair, deceptive, and potentially predatory lending practices related to an auto loan I co-signed in XX/XX/year>. My concerns are outlined below : 1. Excessive Interest Charges & Negative Amortization I have paid over {$8000.00} toward this loan, yet less than {$500.00} has been applied to the principal balance. The current balance now exceeds the original amount financed. This suggests negative amortization and/or a predatory interest structure. The loan carries an APR of XXXX %. When I requested an amortization schedule, I was told it does not exist, which violates the Truth in Lending Act ( TILA ) that requires transparency in how loan payments are applied.

2. Denial of Hardship Assistance I am currently unemployed and the vehicle was declared a total loss by my insurance company. Although the car is still driveable, it is in poor condition. I requested a payment deferment or hardship relief, but Nationwide stated they do not offer hardship programs and provided no written alternatives. This may violate consumer protection laws related to financial hardship accommodations.

3. GAP Coverage Mishandling I purchased Guaranteed Asset Protection ( GAP ) coverage at the time of the loan. After the insurance claim was denied, I expected GAP to cover the remaining balance. However, I have received no documentation from Nationwide or the GAP provider ( XXXX ) and no balance forgiveness has occurred. This suggests a failure to properly administer the GAP policy or disclose the terms.

4. Failure to Provide Transparent Payment Records Nationwide has refused to provide an amortization schedule and has only promised a basic payment breakdown. This prevents me from verifying how my payments have been applied and raises concerns about whether the company is misallocating payments to maximize interest. This is another potential violation of the Truth in Lending Act.

Summary : Nationwide Acceptance has demonstrated a pattern of unfair practices, lack of transparency, and disregard for borrower protections. I am formally disputing the loan charges and requesting that the contract be voided due to these unlawful and deceptive actions. I am also requesting a full investigation, return of excess funds paid, proper application of GAP coverage, and removal of any negative credit reporting related to this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Got a lleter stating I was preapproved for a credit card with a {$1500.00} limit. I went to the site and filled out the required information toguether with the preauthorization code, and got the card a couple of days later.

Got the card and registered on their site, to my surprise the card had already a balance of {$250.00}, categorized as annual fee!

when I applied I never saw any kind of annual fee included with the card, and iff there was one, it was intentionally burried or hidden somewhere, because I would have never agreed to pay that exorbitant amount in fees, and not for a {$1500.00} credit card. I have been asking in the web and there is a whole lot of people being scammed by this company, as well as others. All I want to do is cancel it and return it without ever using it.

Company response to consumer: Closed with explanation