vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I previously filed a CFPB complaint regarding this account. Westlake Services , LLC responded by verifying only identity information such as address and phone number, rather than validating the accuracy, legality, and completeness of the alleged debt. 

Westlake failed to provide any documentary evidence supporting the reported balance, including proof of repossession notice, notice of intent to sell, date and method of sale, evidence the sale was commercially reasonable, an itemized accounting of sale proceeds, or a lawful calculation of the alleged deficiency. 

Despite the prior complaint being closed, the account continues to be reported without verification, in violation of the Fair Credit Reporting Act. I am filing this complaint to document Westlakes continued failure to conduct a reasonable investigation and to request deletion of the account or full documentary validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Americas Car-Mart, Inc.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, IA XXXX Dear CFPB Complaints Department, I am writing to file a formal complaint against America 's Car-Mart, located in XXXX XXXX, Oklahoma XXXX regarding unfair and deceptive practices related to my auto loan and vehicle repossession threats. The specific individual involved in this matter is XXXX XXXX, an employee at the XXXX XXXX branch. 

In XX/XX/year>, XXXX XXXX contacted me by phone demanding payment on my account for my XXXX vehicle. I informed her that I would immediately make the full payment over the phone once our call ended, bringing my account current to 100 %. However, she stated that this was insufficient and that my vehicle would still be at risk of repossession, even after full payment. This caused me significant distress, as I rely on this vehicle for essential purposes, including commuting to work and purchasing food for my children. The anxiety from her threats led to physical illness, preventing me from working for several days out of fear that the vehicle would be repossessed from a public location, such as the XXXX parking lot while I was shopping. 

It later became clear that the underlying issue was not solely related to payment but rather a malfunction in the vehicle 's GPS tracking device, which the dealership wanted to reseat. This was not communicated transparently during the call, and the repossession threats appeared to be a tactic to coerce compliance with non-payment-related demands. Such practices feel harassing and misleading, violating fair debt collection standards and potentially the Truth in Lending Act or other consumer protection laws. 

I request that the CFPB investigate this matter, including XXXX XXXX 's conduct and America 's Car-Mart 's policies on repossession threats and GPS device maintenance. I seek resolution in the form of an apology, assurance that no further unwarranted threats will be made, and any appropriate compensation for the emotional and financial harm caused, including lost wages from missed work days. I am willing to provide additional documentation, such as call records or payment history, upon request. 

Thank you for your attention to this complaint. I look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-12-26 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: UT

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: LA

Complaint narrative:
Harris & Harris opened XXXX XXXX I dont even know who is Harris & Harris XXXX XXXX XXXX XXXX XXXX I feel that jus not fair to even being that high or just the fact I can proof I dont owe any of that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NC

Complaint narrative:
" Please see the attached documentation. I am filing this complaint due to noncompliance with federal law. My consumer report contains inaccurate and unverified late payment reporting, as well as other disputed items, which were previously challenged and not properly investigated or validated. The continued reporting reflects a failure to ensure maximum possible accuracy as required by law. 
"

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 2025-12-26 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: NC

Complaint narrative:
" Please see the attached documentation. I am filing this complaint due to noncompliance with federal law. My consumer report contains inaccurate and unverified late payment reporting, as well as other disputed items, which were previously challenged and not properly investigated or validated. The continued reporting reflects a failure to ensure maximum possible accuracy as required by law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: PA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Law Office of Brett M. Borland, P.C.
State: AL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX ( original creditor ), XXXX XXXX XXXX ( debt collector ), and the Law Office of Brett M. Borland for violations of the FDCPA, FCRA, and Georgia state law.

1. Failure to Provide Statutory Itemization ( O.C.G.A. 44-7-33 & 34 ) On XX/XX/year>, I paid a final balance of {$640.00} to XXXX XXXX XXXX. Although my Notice to Vacate ( XX/XX/year> ) stated that a final statement of charges and damages would be provided after move-out, I never received this document. I made four written requests via email ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/year> ) for a final itemized statement. To date, the creditor has failed to provide this mandatory disclosure required under Georgia law to establish any further debt.

2. Violation of Debt Validation Rights ( FDCPA 15 U.S.C. 1692g ) The account was transferred to XXXX XXXX XXXX ( NCS ) and subsequently the Law Office of Brett M. Borland. I have disputed the validity of this debt in writing because the original creditor failed to provide the documentation required to prove the debt exists. Despite these active disputes, neither the collection agency nor the law office has provided verification of the debt. On XX/XX/year>, a representative from the Law Office of Brett M. Borland left a voicemail attempting to collect on this unverified and disputed account, which is a direct violation of the FDCPAs requirement to cease collection until the debt is validated.

3. Inaccurate Credit Reporting ( FCRA 15 U.S.C. 1681s-2 ( b ) ) The parties are reporting this unverified and inaccurate information to the credit bureaus. Because the underlying debt has never been itemized or validated despite repeated requests, the reporting is inaccurate. The companies have failed to conduct a reasonable investigation into my disputes and continue to report the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Portfolio Recovery Associates claims verification but has not produced a signed agreement, complete chain of title, or an explanation of the reported balance. The attached records are generic business documents and do not establish furnishing authority or reporting accuracy. Continued reporting is unverifiable under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: SC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: UT

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 2025-12-26 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: UT

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 2025-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This situation has completely turned my life XXXX down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, XXXX met with silence or excuses. XXXX not just a number XXXX a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future. 

I'm writing because my identity has been stolen, and it has caused me more stress than I could have ever imagined. Ive worked hard to build my credit and protect my name, but now XXXX being held responsible for accounts and debts that arent mine. Ive done everything I can to prove my innocence, but I feel like XXXX being ignored by the companies reporting this false information. I just want my name cleared and my peace of mind back. No one should have to fight this hard to be seen as themselves again.

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 2025-12-26 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:
YOUR COMPLAINT I am submitting this formal complaint regarding false and unverified rental debt being reported by XXXX ( also referenced as XXXX XXXX  ) on the credit reports of the following individuals : XXXX XXXX XXXX XXXX XXXX XXXX XXXX has reported alleged rental obligations despite the fact that no signed lease agreement exists, no authorization was ever given, and no contractual relationship was established with any of the individuals listed above. 

These inaccurate accounts were disputed with Equifax on multiple occasions. To date, neither XXXX nor Equifax has produced a signed, valid lease agreement or any lawful documentation proving the legitimacy of this debt. Despite this, the false information has remained on the credit reports for several months. 

Equifaxs failure to properly investigate and verify this disputed information constitutes a serious violation of fair credit reporting standards under the Fair Credit Reporting Act ( FCRA ). Other credit bureaus have declined to report this account due to the complete lack of supporting documentation, further demonstrating that the information is unverifiable and inaccurate. 

The continued reporting of this false rental information has caused significant financial and emotional harm, including damage to credit scores, denial of financial opportunities, and ongoing stress. 

This letter serves as formal notice that if this matter is not immediately corrected, we are prepared to pursue legal action against Equifax and all responsible parties for negligent and unlawful credit reporting. 

We demand the following actions without further delay : Immediate removal of all XXXX XXXX accounts from the credit reports of the individuals listed above Written confirmation of deletion Disclosure of any documentation Equifax relied upon to verify this account Failure to comply will result in escalation through the appropriate regulatory agencies and the court system. 

Sincerely, XXXX XXXX On behalf of all affected parties

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
XXXX and Santander XXXX XXXX  are reporting an auto loan as negative even though the loan was paid in full. I submitted multiple disputes ( 3 rounds ) with official documentation showing PAID IN FULL XX/XX/XXXX and proof the lien is released ( PA title/no active lien ) . Despite this, on XXXX XXXX XXXX XXXX stated the account was not modified and will remain on the credit report. This indicates XXXX failed to conduct a reasonable reinvestigation and is continuing to report inaccurate and misleading information that is harming the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was added as a joint account holder to a personal credit card with Bank of America approximately XXXX months ago. 

The account was originally opened XXXX years ago and is correctly reported for the other joint account holder ; however, it does not appear under my SSN with Experian, Equifax, or TransUnion.

I have contacted Bank of America multiple times, and the bank states that the account is being reported. This is incorrect, as there is no record of this account on my credit reports with any credit bureau. 

This indicates an error in XXXX XXXX / credit furnishing, specifically that my SSN is not properly associated as a reportable joint account holder. 

I am requesting that Bank of America immediately correct the reporting of this account in compliance with the Fair Credit Reporting Act ( FCRA ) and confirm the correction in writing.

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 2025-12-26 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: GA

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