vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-21 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: NY

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : 1.Parker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process.

2.Sarver v. Experian Information Solutions , Inc. , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report.

3.Henson v. Santander Consumer USA , Inc. , 2017 U.S. Dist . LEXIS 191143 ( E.D. Va. 2017 ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXX XXXX XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: CA

Complaint narrative:
In XX/XX/year>, I voluntarily surrendered my vehicle to Westlake Financial after losing my job and being unable to continue making payments. Despite my voluntary surrender, Westlake Financial began harassing me with excessive phone calls, often multiple times per day and dozens of times per week. This continued for months, causing me significant emotional distress. 

Even though they were fully aware of my financial hardship and the fact that I no longer had possession of the vehicle, they continued their aggressive collection attempts. The constant calls disrupted my daily life, increased my XXXX, and made it difficult for me to focus on rebuilding my financial stability. 

I attempted to ignore the calls, but they persisted. I received multiple calls in a single day on several occasions. Their repeated and excessive communication was overwhelming and felt intentionally harassing. 

I am filing this complaint because Westlake Financials actions violate both federal and California state laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act, which prohibit debt collectors from engaging in harassment through repeated phone calls. 

I have documented the excessive phone calls as evidence of their harassment. I request that the Consumer Financial Protection Bureau investigate Westlake Financials practices, require them to cease their harassing behavior, and hold them accountable for violating consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/year>, I made a purchase on XXXX along with the Citi XXXX XXXX offered from my Citi Bank XXXX XXXX credit card. The plan was to be set up with XXXX equal monthly payments for the products. However, I was charged the full amount of {$100.00} and {$55.00} and {$11.00} and {$13.00}. I disputed all of these charges and the gave me a credit of {$71.00}, only to take it back. On the other hand, a Citi Bank rep informed me that the {$100.00} would be returned to me, but then the company did not credit my account. 

I called again on XX/XX/year>, and agreed to pay off all remaining Citi XXXX  XXXX  charges to get rid of the plan. On that day, I paid {$220.00} and I was advised by a manager that this would close the Citi XXXX XXXX and pay it off in full. Yet, again, after XX/XX/year> I was charged for alleged XXXX  XXXX XXXX charges and a XXXX insisted that these charges would have to be paid to close the Citi 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 monetary relief
Consumer complaint received 2025-03-21 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, 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 2025-03-21 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: Nelnet, Inc.
State: OH

Complaint narrative:
My financial aid records, XXXX data, and IRS tax transcripts were accessed and processed without notice, violating XXXX  right to control access to student educational and financial aid records. The date of transgression was XX/XX/year>. The DOE has not provided transparency regarding : Who accessed my records and under what authority. 
How my records were used or stored after access by XXXX. 
Why no notification was provided before the unauthorized access occurred. 
XXXX guarantees my right to inspect and review my own educational records, yet the DOE has failed to provide any records or disclosures regarding this unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-21 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
incorrect personal information on my credit report

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 2025-03-21 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
violation of XXXX XXXX XXXX - Failure to provide full disclosure. remove from my credit report XXXX CREDIT MANAGEM Account Number : XXXX {$2900.00} Please remove this inaccurate information from my credit report.

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 2025-03-21 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: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
violation of XXXX XXXX XXXX - Failure to provide full disclosure. remove from my credit report XXXX CREDIT MANAGEM Account Number : XXXX {$2900.00} Please remove this inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: VA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-03-21 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: NC

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$92.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$890.00} XXXX XX/XX/year> XXXX CREDIT/PRIVATE MOR XX/XX/year> XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$92.00} XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$890.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$92.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX XX/XX/year> XXXX CREDIT XX/XX/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 2025-03-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX, received a bill from XXXX stating I owed {$190.00} for equipment not returned. 

XX/XX/year> I returned all equipment. I still have the receipt for items returned. Same day received a text message from XXXX XXXX that I have been charged for the items I just returned. 

XX/XX/year> received another text from XXXX XXXX that my account has been placed for initial collection with XXXX  XXXX XXXX XX/XX/year> Had a live chat conversation through Xfinity app with them stating everything was up to date and I no longer had to pay because I returned the equipment and my account will be updated that I dont owe anymore ( I have screenshots of messages as well ) XX/XX/year> received a letter from EASTERN ACCOUNT SYSTEM OF CONNECTICUT, INC. stating I still owed XXXX the {$190.00}. 

XX/XX/year> Had yet another live chat conversation through XXXX  app stating that my account has yet been updated and I dont owe them for the equipment I have already returned. I have screenshots of that conversation as well stating to give them 24-48 hours for adjustments to be made so I will no longer be in collections XX/XX/year> sent out printed receipts of everything above to show I returned equipment and have reached out multiple times to XXXX  to bring my account up to date. I sent the paperwork to : XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX With ups tracking and said that it was received. 
I havent gotten any follow up letter or email about this matter and would like it resolved. 

XXXX ( account number with EASTERN ACCOUNT SYSTEM OF CONNECTICUT XXXX INC. ) reference # XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: IL

Complaint narrative:
I am submitting this formal complaint pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), requesting that Experian immediately block the following fraudulent accounts and remove the associated addresses from my credit report. These items are the result of identity theft and fraud. 

In accordance with the FCRA, I expect Experian to take appropriate action within XXXX ( XXXX ) business days of receiving this request. 

XXXX. XXXX XXXX Account XXXX : XXXX Balance : {$8500.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX Balance : {$23000.00} Date Opened : XX/XX/XXXX XXXX. XXXX  Date Opened : XX/XX/XXXX XXXX. PSECU Date Opened : XX/XX/XXXX XXXX. XXXX  XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date Opened : XX/XX/XXXX The following addresses were fraudulently added to my credit file. I have never lived at or used these addresses, and they must be removed immediately : XXXX XXXX Ridge XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To support my claim, I have attached the following : Notarized FTC Identity Theft Criminal Complaint # 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 2025-03-21 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: LA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting this formal complaint regarding the credit reporting agencies and furnishers failure to properly investigate and remove fraudulent accounts and inquiries from my credit report. This is a direct violation of multiple federal laws, including but not limited to : XXXX XXXX XXXX ( Fair Credit Reporting Act ) XXXX XXXX XXXX ( a ) ( Requirement to conduct a reasonable reinvestigation ) XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) ( Requirement to provide proper notice of investigation results ) XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) ( Obligation to remove inaccurate information ) Section XXXX ( a ) ( XXXX ) ( A ) ( Right to request and receive verification of account details ) XXXX XXXX XXXX ( b ) ( XXXX ) ( Debt collection communication disclosures ) I have made previous attempts to dispute the following fraudulent accounts and inquiries, yet they remain on my credit report, causing financial harm and damage to my creditworthiness : Fraudulent Accounts : XXXX  XXXX - Open Date : XX/XX/XXXX XXXX  Credit System - Open Date : XX/XX/XXXX XXXX XXXX XXXX - Open Date : XX/XX/XXXX XXXX - Open Date : XX/XX/XXXX XXXX Credit System - Open Date : XX/XX/XXXX XXXX - Open Date : XX/XX/XXXX Fraudulent Inquiries : XXXX XXXX Bank XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Co - Inquiry XXXX XXXX XX/XX/XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX I demand that these fraudulent accounts and inquiries be immediately removed from my credit report. The credit reporting agencies have failed to meet their obligations under federal law by not conducting a proper investigation and by continuing to report inaccurate information. If this matter is not resolved within XXXX  days, I will have no choice but to pursue legal action against all responsible parties, including the credit bureaus and XXXX XXXX, seeking damages for willful noncompliance with the FCRA. 

This is my final attempt to resolve this matter amicably. Please treat this as a formal complaint and conduct a thorough investigation into the wrongful reporting of these accounts and inquiries. If necessary, I am prepared to escalate this issue to the Federal Trade Commission ( XXXX  ) and pursue civil litigation to enforce my consumer rights. 

A prompt written response acknowledging this complaint and detailing the actions taken to resolve this issue is required.

Company response to consumer: Closed with non-monetary relief