vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 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: Westlake Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/XXXX To : WESTLAKE FINANCIAL SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Form XXXX Charged-Off Account Dear WESTLAKE FINANCIAL SERVI Customer Service, I am writing to formally request a copy of Form XXXX ( Cancellation of Debt ) for my Installment Account, which has been reported as charged-off on my credit report. Below are the relevant details regarding the account : Account Holder Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date of Charge-Off : XX/XX/XXXX Highest Balance : {$15000.00} Last XXXX Digits of XXXX : XXXX According to IRS regulations ( Section XXXX of the Internal Revenue Code ), financial institutions are required to issue Form XXXX if a debt of {$600.00} or more has been canceled or forgiven. I am requesting a copy of this form for my records and to fulfill my tax obligations. 

If Form XXXX has not been issued, I kindly request a written confirmation explaining the reason. Additionally, I would appreciate clarification regarding any outstanding balance and whether any further action is required on my part. 

Please send the requested documentation to the address provided above at your earliest convenience. Should you require any additional information, you may contact me at ( XXXX ) XXXX or XXXX. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: KS

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Inaccurate Reporting Bridgecrest ( Acct XXXX To Whom It May Concern, I am disputing inaccurate and conflicting information reportIng.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: NC

Complaint narrative:
My stepson was previously included on my dental insurance plan while he lived in our household as a minor. This insurance was provided through my employer at the time. In XX/XX/year>, my full-time employment ended, and so did our insurance coverage. 

At the time of the dental services in question, which were provided in XX/XX/year>, he was over XXXX, living independently with his partner and child, and no longer under our care or insurance coverage. 

The dental provider submitted a claim using outdated insurance information that was no longer valid. The claim was denied, and instead of billing him directly, they submitted the unpaid balance under my name to credit reporting agencies, even though I was not the patient, policyholder at the time, or financially responsible for the services. 

We did not authorize or sign any financial agreements for the treatment, were not present, and were unaware of the visit until a collection account appeared on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: TX

Complaint narrative:
I have zero affiliation to these accounts ; they need to be taken down within 15 days as required by USC 1681g.

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 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax also failed to properly reinvestigate my disputes and continues to report unverified and inaccurate negative information despite my disputes being sent over 60 days ago. Equifax sent me the same stall language claiming I was using a third party, which does not extend their investigation window or relieve them of their obligations under FCRA 1681i ( a ).

LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX all show late-payment reporting without proof of : The actual due date The date the payment was received 30-day delinquency documentation Consistent Metro-2 coding XXXX  late pattern ( on time x4 months 90 days late ) is impossible and violates FCRA and Metro-2.

COLLECTIONS Equifax is reporting XXXX accounts # XXXX and # XXXX without : Contract Ledger Chain of title DOFD Thi

s is illegal under FDCPA 1692g ( b ). CHARGE-OFFS XXXX XXXX ( multiple duplicates ) XXXX XXXX ( two accounts ) Inconsistencies include : Different account numbers Different dates Different balances Conflicting status comments This violates FCRA 1681e ( b ).

REPOSSESSION XXXX XXXX  ( # XXXX ) Missing required documentation : Contract Payment ledger Repossession notices Sale price Deficiency calculation Under Metro-2, this tradeline is noncompliant.

Equifax produced XXXX validation, XXXX documentation, and kept all negative accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I pulled my credit report after being notified my personal information was exposed in a data breach and I then noticed fraudulent accounts listed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I transferred money from another bank account I have to Synchrony Bank on XX/XX/XXXX. Per the rules it states the funds will be available within XXXX business days. This is the XXXX time this has happened in the past month and as of XXXX my transfer is still on hold and will not be available until XX/XX/XXXX. I have XXXX high yield savings accounts with them with more than {$62.00} in it to cover that transfer and this is a little ridiculous over a {$62.00} transfer. Last month it was a wire transfer for {$2500.00} and that took them 3 days. I had to cancel that because it was taking too long for a XXXX money deposit on a home we were trying to purchase. I do not know when it changed where us customers can't even get OUR assets in or out of the bank? This is a little frustrating that some banks do not follow the Federal rules and Regs.

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 2025-11-15 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: OK

Complaint narrative:
Have had to put vehicle in shop since about two weeks of us having. We pay for roadside assistance and extra XXXX dollars a month in the contract. have never got to use the service had to pay someone to tow vehicle to shop every time XXXX to XXXX dollars every time.Have had the vehicle in the shop around XXXX times. Need refinance. Been paying XXXX a month for about XXXX years. XXXX is over 21 % too much when we are less than 30 days late they cal and harass us asking where our money goes why we can't pay the payment when we are constantly having to put vehicle in the shop. Some months we can pay for the payment because of breakdown having to fix something on it constantly

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 2025-11-15 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: TX

Complaint narrative:
I am filing this complaint because TransUnion has failed to properly reinvestigate and verify any of the charge-off accounts I have been disputing for over six months. I submit disputes every 40 days, which gives TransUnion : 10 days to receive the dispute 30 days to investigate TransUnion has never provided one page of documentation supporting a single charge-off for any of these accounts : XXXX Acct # XXXX {$1900.00} XXXX  Acct # XXXX {$2200.00} XXXX XXXX XXXX Acct # XXXX {$660.00} ( reported twice ) XXXX  Acct # XXXX {$0.00} ( reported twice ) Every time I dispute, TransUnion sends me : A copy of my credit report ( which is not validation ) Stall letters claiming I used a third-party company Fraud alerts or identity-theft language I never requested None of these responses satisfy FCRA 1681i ( a ) or 1681e ( b ). 
To legally report a charge-off, TransUnion must obtain and verify : The original signed contract Full payment history from the creditor Actual charge-off date with the internal ledger showing the write-off Itemized balance calculations showing how the past-due amount was created Correct DOFD ( date of first delinquency ) Proof of ownership/assignment if the debt was transferred or sold Metro-2 compliant fields including Account Status, Payment Rating, Balance, Date Reported, DOFD, K4 comments, and Compliance Condition Codes TransUnion has not provided any of these required documents XXXX 
The duplicate reporting of XXXX XXXX  XXXX and XXXX also violates FCRA 1681e ( b ) because the same account can not appear twice with conflicting balances and statuses. 
Under FCRA 1681i ( a ) ( 5 ) and Metro-2 guidelines, if a furnisher can not verify the accuracy of a charge-off within the investigation period, TransUnion must delete it . 
TransUnion has ignored the law for more than six months.

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 2025-11-15 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: Kriya Capital, LLC
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : CREDENCE RESOURCE MANAGEMENT ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint due to inaccurate credit reporting by XXXX XXXX XXXX XXXX 

My credit report shows this account ( Account XXXX. XXXX ) as Discharged through Bankruptcy XXXX  XXXX, yet the payment history reports the following late payments : XXXX  days late XXXX XXXX XXXX  days late XXXX XXXX XXXX days late XX/XX/year> This reporting is false and legally impermissible for these reasons : Once an account is included in a XXXX  XXXX bankruptcy, furnishers must stop reporting delinquencies after the bankruptcy filing date. 

An account can not simultaneously show Discharged through Bankruptcy while also reporting XXXX, XXXX, and XXXX late payments. 

The payment history is inconsistent, misleading, and not verifiable. 

This violates the Fair Credit Reporting Act ( FCRA 602, 607 ( b ), 611 ) because the information is inaccurate, incomplete, and can not be accurately verified. 

I have disputed this item with the credit bureau ( s ), and it was returned as updated, yet the incorrect late payments remain. 

I am filing this CFPB complaint to have the information corrected or removed

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 2025-11-15 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: TX

Complaint narrative:
I am filing a complaint due to inaccurate credit reporting by XXXX XXXX XXXX XXXX 

My credit report shows this account ( Account XXXX. XXXX ) as Discharged through Bankruptcy XXXX  XXXX, yet the payment history reports the following late payments : XXXX  days late XXXX XXXX XXXX  days late XXXX XXXX XXXX days late XX/XX/year> This reporting is false and legally impermissible for these reasons : Once an account is included in a XXXX  XXXX bankruptcy, furnishers must stop reporting delinquencies after the bankruptcy filing date. 

An account can not simultaneously show Discharged through Bankruptcy while also reporting XXXX, XXXX, and XXXX late payments. 

The payment history is inconsistent, misleading, and not verifiable. 

This violates the Fair Credit Reporting Act ( FCRA 602, 607 ( b ), 611 ) because the information is inaccurate, incomplete, and can not be accurately verified. 

I have disputed this item with the credit bureau ( s ), and it was returned as updated, yet the incorrect late payments remain. 

I am filing this CFPB complaint to have the information corrected or removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 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: NV

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX for fraudulent inducement and the reporting of inaccurate information to Experian.

During the sales presentation, my partner and I were misled. We were told : The timeshare was an investment We could rent it out for profit The offer was only available that day We could stay anywhere for {$300.00} {$450.00} per week We could cancel any time We were rushed and pressured without time to review the contract Later, a buyer contacted us offering {$2000.00} per week for our
timeshare weeks, but only if we paid activation fees a known scam tied to fraudulent timeshare sales.

This contract was obtained through fraudulent inducement and is not valid. 

Yet XXXX XXXX XXXX reported a late payment on XX/XX/year>, harming my credit.

I am requesting : Investigation of the company Removal of all negative credit reporting Assistance in voiding the fraudulent contract XXXX XXXX XXXX is refusing to resolve 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 2025-11-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts are not mine ; they must be cleared within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
My PayPal Debit Card and PayPal account were compromised. Someone logged in from XXXX ( I live in XXXX XXXX XXXX XXXX ), and unauthorized purchases were made on XXXX totaling approximately {$1900.00}. These transactions occurred around XXXX XXXX XXXX I showed PayPal proof of the unauthorized login. 

I reported the fraud immediately. The first fraud case was opened around XX/XX/XXXX. PayPal closed it automatically, so I reopened the case on XX/XX/XXXX. I continued contacting PayPal for updates. 

XXXX confirmed to me that after I reported the fraud, the XXXX accounts that used my stolen card went negative, which means the funds were already pulled back from the merchant through chargeback. However, PayPal has never credited the recovered funds back to me. 

Despite the chargebacks being successful, PayPal denied my fraud claim on XX/XX/XXXX. I have been trying to resolve this for more than XXXX months. I repeatedly asked PayPal where the recovered funds went, but I was not given a clear answer or resolution. 

I am requesting CFPB assistance to have PayPal or their issuing bank ( XXXX XXXX  ) properly review this fraud case, confirm the recovered chargeback funds, and credit the unauthorized charges back to my PayPal account also till this day someone is still trying to use my old card to make purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Check N Title Loans
State: TX

Complaint narrative:
On XXXX XXXX. My title loan was transfer from XXXX XXXX XXXX XXXX in the amount of {$280.00} to Check N Title Loan Company. Check N Title only paid for the amount that i owe XXXX XXXX account number is XXXX transaction no # XXXX. Now Check N Title amt that i owe was {$630.00} to pay off by XXXX in XX/XX/year>. I renewed my contract with Check N Title the XXXX XXXX XXXX change my amount to $ XXXX only got and extra {$150.00} toward my {$550.00} amount. Not {$800.00}. I have copied of all trans action. When i talked to XXXX she told me that they want to settle with me. I can do it in XXXX installment thats all i owe is {$1200.00} dollars. Now it {$1700.00}. XXXX is charging me for XXXX loans of {$800.00} that i never got.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am disputing the accuracy, legality, and handling of an account reported by XXXX ( XXXX XXXX  ) on my credit report. XXXX actions have caused ongoing harm to my credit standing, created conflicting and inaccurate data across the credit bureaus, and enabled an unlicensed debt collector to pursue me, all in violation of both federal and state law. 

XXXX is continuing to report this account with a {$0.00} balance after selling or transferring it, yet they verified the tradeline as accurate during my TransUnion dispute. This verification is incorrect and misleading under the Fair Credit Reporting Act ( FCRA ), as the information furnished is incomplete, inconsistent, and does not reflect the accounts true status or chain of custody. 

The same alleged debt is also being reported by XXXX XXXX XXXX and XXXX, XXXX, with different balances, dates, and classifications. This creates multiple, conflicting entries for the same alleged debt, resulting in double reporting and materially inaccurate credit data, which violates FCRA 623 ( a ). 

XXXX additionally transferred or sold the account to XXXX , companies that I later confirmed through the Michigan Department of Insurance and Financial Services ( DIFS ) are not licensed to collect debt in Michigan. Passing my personal information and alleged account to an unlicensed collector is a violation of Michigan state law and demonstrates negligent oversight of third-party collectors. 

I attempted to resolve this through the credit bureaus. Despite the conflicting balances, differing statuses, and involvement of an unlicensed collector, XXXX still verified their reporting as accurate, further contributing to the continued harm to my credit profile. 

I am requesting : XXXX. Immediate deletion of the XXXX tradeline across all credit bureaus, XXXX. A formal investigation into XXXX furnishing of inaccurate and duplicative information, XXXX. A review of XXXX role in transferring my account to an unlicensed collector, XXXX. Appropriate corrective action for the damage caused to my credit profile and the distress resulting from these violations. 

XXXX verification of inaccurate data, failure to properly update the account post-sale, and involvement in an unlawful third-party collection process demonstrate willful noncompliance with the FCRA. I request the CFPBs intervention to address these violations and ensure resolution, including any compensation deemed appropriate.

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