vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding my auto loan with Westlake Financial and the dealership that sold me the vehicle. The dealership created multiple versions of my contract and added nearly {$4000.00} in unauthorized fees and add-ons. 

Westlake confirmed they only received the approved contract, which means the dealership submitted preliminary or conditional contracts that were never approved. Under federal and California law, any unapproved contract is void, yet I am still being held liable. 

I also received a call from a company called Westlake Portfolio Management, a company I have never done business with. This suggests my personal information may have been improperly shared without authorization. 

Issues : Multiple contracts created without my consent Unauthorized add-on products False cash price reported on contract Potential misrepresentation of loan terms Possible unauthorized sharing of personal/financial data Inaccurate principal reduction despite XXXX payments Requested Resolution : Full investigation into contract irregularities Verification of all documents submitted by dealer Correction of loan balance if contract errors are confirmed Inquiry into unauthorized sharing of my information Another major issue is that I never received official license plates from the California DMV. The dealership simply placed plates on the vehicle without providing registration paperwork or proof of issuance. This is a violation of California Vehicle Code and indicates the dealer never properly submitted the registration, never transferred ownership correctly, and may have installed plates that did not belong to the vehicle.

This means the contract and sale may be legally void, because a dealer can not lawfully sell or deliver a vehicle without proper registration and issuance of DMV plates. 

In addition, I recently discovered that the insurance policy the dealer claimed to have on the vehicle at the time of sale was NOT active. The dealer represented that the vehicle was covered during the purchase process, but the policy had already lapsed or was invalid. 

This is a serious violation of California law and consumer protection standards. A dealer can not legally deliver a vehicle without proper and active insurance, nor can they misrepresent insurance coverage to the buyer. 

This creates multiple issues : It placed me at legal and financial risk It shows the dealer knowingly misrepresented key facts to secure financing It further supports that the entire contract may be invalid or void Between the inactive insurance, the unauthorized add-ons, the inflated cash price, the undisclosed contract versions, the incorrect license plates, and the unapproved conditional contracts, this appears to be a pattern of intentional dealer fraud. 

I am requesting a full investigation and enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This letter is a formal dispute regarding unauthorized hard inquiries appearing on my credit file. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681b, 1681i, 1681e ( b ), 1681g, 1681s-2, as well as FACTA and Metro-2 reporting standards. 

The following inquiries were fraudulent and unauthorized, and I demand their immediate deletion : XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> Under FCRA 604 ( a ), a company must have a permissible purpose and written authorization from me before pulling my credit report. 
I never applied for credit, loans, or services with these entities and never authorized these inquiries. 
Because there is no permissible purpose, these inquiries violate federal law. 

CRAs are required to ensure the maximum possible accuracy of information. 

These inquiries do not meet Metro-2 compliance standards, which require : Proper authorization documentation Accurate identification Full verification by the data furnisher

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 2025-11-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland Credit Management is reporting a XXXX account that they can not validate. I disputed this with all three bureaus ( XXXX XXXX XXXX XXXX ). Midland failed to provide any contract, proof of ownership, itemized billing, or chain of assignment. They continue verifying the account without proper documentation, which violates the FDCPA and FCRA. I am requesting that this account be fully deleted from all credit bureaus for failure to validate and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Ky XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Credit Report Dispute Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) To Whom It May Concern : I am writing to dispute the accuracy of a collection account appearing on my XXXX  credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires you to ensure the maximum possible accuracy of reported information and to conduct a reasonable investigation of disputed items. 
The item I am disputing is : Collection Agency : XXXXXXXX XXXX  XXXX Amount : {$150.00} Date Opened : XX/XX/year> I am disputing this account on the basis that the information is inaccurate and/or unverifiable. I request that XXXX  conduct a reasonable investigation as required by the FCRA. If the account can not be fully verified, it must be corrected or deleted from my credit file. 
Please provide me with written results of your investigation and an updated copy of my credit report once completed. As required by law, I expect your investigation to be completed within 30 days. 
Thank you for your prompt attention. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I am disputing the ONEMAIN account reported on my credit file. The information is inaccurate, incomplete, and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
Reported XX/XX/XXXX a debt {$750.00} that I do not owe Opened XX/XX/XXXX with no account #

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint because multiple credit bureaus have failed to remove fraudulent accounts from my credit reports despite my submitting a valid FTC Identity Theft Report and formal FCRA disputes.

The following accounts were opened without my authorization and are the direct result of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I submitted disputes to the credit bureaus along with my FTC Identity Theft Report and supporting evidence. However, the bureaus have not complied with their obligations under FCRA 605B and 611, including the requirement to block fraudulent information and properly investigate disputes. These accounts remain on my reports, causing significant harm, inaccurate reporting, and financial damage.

These entities continue to report fraudulent information even after being notified of the identity theft and receiving documentation. Their failure to block, delete, or properly reinvestigate violates the FCRA.

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 2025-11-23 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number ( private ), personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ) personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( private ) .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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this formal complaint due to several unauthorized hard inquiries listed on my Experian credit report. I did not authorize these companies to access my credit file, nor did I sign any credit applications.

Unauthorized Experian Inquiries 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  Experian could not provide : A signed authorization A valid permissible purpose Proof that I initiated any credit applications This violates the following : FCRA 604 ( a ) ( 2 ) no permissible purpose without written consent FCRA 607 ( b ) maximum possible accuracy FCRA 609 ( a ) ( 1 ) right to supporting documentation FCRA 611 duty to reinvestigate Legal precedents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Respectfully , 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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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.

Delete the accounts below 1 XXXX XXXX XXXX 2 XXXX XXXX XXXX 3 XXXX XXXX XXXX XXXX XXXX XXXX 4 XXXX XXXX 5 XXXX XXXX 6 XXXX XXXX XXXX XXXX XXXX 7 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 non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I applied for the Capital One Savor XXXX card expecting the Excellent-level card with the {$200.00} signup bonus. At no point during the application process was it disclosed that I would be approved for the Good-level card, which does not include the same bonus. I recently contacted Capital One regarding this issue. During the call, a branch supervisor ( XXXX ) informed me that I had been automatically upgraded to the Excellent-level card. Prior to that call, I had no knowledge of this upgrade, and I never consented to it. When I requested a copy of the agreement summary, the branch supervisor said it could not be provided, and all documents I downloaded from Capital Ones automated system failed to indicate the card tier or explain that I would not receive the Excellent card bonus. Because of this automatic upgrade and the lack of disclosure, I lost the {$200.00} signup bonus I expected when I applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
This company is reporting and collecting a debt tied to an address I never lived at. The collection and judgment were created using the address XXXX XXXX XXXX # XXXX, XXXX XXXX, CA, which does NOT belong to me. I have proof of my actual addresses and have never lived at or been associated with that property. 
This is identity theft / mistaken identity. 
Under FCRA 623 ( a ) the company is reporting inaccurate information.

Under FCRA 605B, fraudulent information must be blocked.

The companys previous CFPB response did not address the identity-theft issue, and they continue to report this false debt to credit bureaus.

I request that CFPB require : Removal of all reporting tied to this debt Confirmation the company stops collection Correction of false address association Compliance with FCRA 605B blocking requirements This is not my debt. This is a case of identity misuse with an incorrect address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX  Email : XXXX Phone : XXXX Date : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX RE : Unauthorized Hard Inquiries Appearing on My TransUnion Credit Report To Whom It May Concern : I am filing this complaint regarding multiple unauthorized hard inquiries that appear on my TransUnion credit report. These inquiries were not initiated or approved by me and violate the Fair Credit Reporting Act ( FCRA ), including 604 ( a ) ( 2 ), 607 ( b ), 609, and 611.

Unauthorized TransUnion Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX  ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did NOT authorize any of these companies to access my report, nor did I sign any credit application. Under FCRA 604, no consumer report may be furnished without written instruction from the consumer.

When I requested verification, TransUnion was unable to produce : A signed credit application A written authorization bearing my signature Evidence of a permissible purpose This lack of documentation violates : FCRA 609 ( a ) ( 1 ) right to information FCRA 607 ( b ) duty to ensure accuracy FCRA 611 ( a ) duty to reinvestigate disputed items Case law supporting my complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
Mohela is reporting an increasing loan balance monthly when the account was paid off in XXXX. I've provided a copy of my payoff notice, but they increased the balance for the Month of XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-23 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: AZ

Complaint narrative:
I recently checked my consumer report and notice fraudulent and inaccurate information on my report. The information has cause significant damages to my character, lifestyle, mode of living, mental emotional and ability to get credit. I request the items be remove from my report and status updated thank you...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: KY

Complaint narrative:
Starting back in XX/XX/year> spoke to XXXX about some changes on my account. She is a wellness financial manager. Next I called couple months later and spoke with XXXX in the financial wellness managers. We discussed my situation with my account at that time he said XXXX was out for the week but when she returned he would speak with her and a call will made to me to straighten account situation. Well 2 weeks passed and I called back and talked with client success person to transfer me to one of them but they werent available. This has happened 4 times with different customer service client success people the last one being XXXX last week who has apologized for all the run around and said she would escalate to her manager and still no return call. Im also tired of them closing out my emails as if they received it and settled it and flat out lied about phone calls to my number. Every call has been logged and none from them the problem its not from a real person but an automated line I was told that last a second or two. Now let me tell u they still deduct from my bank account but cant give their client a return call about existing problem with account. I am XXXX and on ssdi and there is no excuse to look over me as if I dont matter they dont mind charging hefty fees but refuse to talk with customer. They pull u into their program but do not want to take care of u once enrolled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a written dispute to the credit reporting agency requesting an investigation into several derogatory items on my report. Under the Fair Credit Reporting Act ( FCRA 611 ), the bureau is required to conduct a reasonable investigation and provide results within 30 days. The bureau failed to provide any response within the 30-day period. Because they did not respond or provide results of an investigation within the allowed timeframe, I sent a second letter requesting deletion, per FCRA 611 ( a ) ( 6 ) ( B ) ( ii ), which requires deletion of any information that can not be verified within the statutory period. They still have not deleted the items or provided any confirmation that an investigation occurred. Their failure to investigate within the required timeframe constitutes an FCRA violation. I am requesting immediate deletion of the following unverified items
: 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 Please require the credit reporting agency to delete these items due to failure to complete the investigation within 30 days as mandated by FCRA 611.

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 2025-11-23 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: CA

Complaint narrative:
Have 3 accounts reporting on my credit report. These three accounts are the same 2 of them were closed due to unauthorized transaction the third account was issued and paid in full and they only updated the third account left the other 2 accounts open with a balance. The balance reflected on those cards was transferred over to the third account and it was paid off!

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