vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Subject : Request for Removal of Old Debt from Credit Report I am writing in regard to the debt listed under my name on my credit report. The account is identified by the reference the company name above and I am requesting the removal of this old debt from my credit report due to the following reasons : 1 Debt Validation Request :, I am requesting that you provide me with evidence of the debts validity. Specifically, I would like to receive documentation verifying the original creditor, the amount owed, and any relevant details that confirm this debt is legitimate.

2 Request for Removal I respectfully request that you remove this debt from my credit report entirely, as it is negatively impacting my credit score.

3 Statute of Limitations : I kindly request that you confirm the status of this debt and remove any associated negative reporting from my credit report.

As per my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to dispute any inaccurate or outdated information. I would appreciate your prompt attention to this matter and request that you respond within 30 days of receiving this letter. If you fail to respond or provide proper documentation, I will consider the debt invalid, and I will request its immediate removal from my credit record. 
Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number XXXX Account Balance {$24000.00} Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: CA

Complaint narrative:
The following accounts are incorrectly reporting as late payments across XXXX, XXXX, and Equifax : XXXX - Account number XXXXXXXX XXXX XXXX XXXXXXXX XXXX - Account number XXXXXXXX XXXX XXXX XXXX - Account number XXXXXXXX XXXX XXXX XXXX - Account number XXXXXXXX XXXX XXXX XXXX Reporting Past Due & Balance : {$0.00} * * These accounts are showing as past due, but there is no valid reason for these entries to be classified as such. Particularly with XXXX, which shows a balance of {$0.00}, there is no financial liability associated with this account, making the " past due '' notation erroneous. These late payment entries likely stem from inaccuracies in data reporting or residual errors in the credit reporting system. It is also likely that these inaccuracies could be due to a data breach, which often results in corrupted or misplaced information being recorded across credit reporting agencies. Under the FCRA, specifically 15 U.S. Code 1681i ( a ), I am entitled to dispute inaccurate or incomplete information, and these late payments do not reflect the true status of the accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: Larry H. Miller Group of Companies
State: IN

Complaint narrative:
I have several credit inquiries that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
I have several credit inquiries that I did not authorize

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 2025-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I called Bank of America to secure my accounts due to unusual activity on my micosoft account. When calling a XXXX XXXX answered welcome to bank of america, how may I help? I proceeded to voice my concerns about ensuring that my accounts remain secure. Assuming I was actually speaking to the bank because I called the bank ; I was not transferred to bank. She then stated that she had to perform certain functions to ensure my account security and would need to utilize my banking app. It was at this point she took over my phone and was able to perform transactions unknown to me but kept saying it all being done in the name of securing my accounts. The imposter was able to attach malware on my phone enabling her complete control over my phone, performing transactions as though it was me from my phone. In the past I have had bank reps control my banking app to assist me in completing transactions so this did not seem out of the ordinary. The bank imposter was able to complete two credit card cash advances in the amount of {$990.00} and {$1500.00} in which she transferred to my checking account then wired {$4600.00} of which {$2100.00} was cash from my checking account to a XXXX XXXX at XXXX XXXX. The bank reversed the credit card cash advances and restored my credit cards however denied my checking claim stating the transactions were made by my device.

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 2025-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
XXXX XXXX - Notice sent registered mail to Mercedes Benz XXXX XXXX  XXXX XXXX Billing Right Notice : This will serve as my billing dispute. I am contacting you regarding this dispute for past, current and present bills under this contract certificate of indebtedness to credit under all my contracts. The company did not credit my account 1099 A Third Party 1099 C and needs a statement sent every year. The company did not credit my account from the dividends that were created from My Treasury Coupons Via the electronic transfers acts, certificates of indebtedness : 12 CFR Part:1026- Truth and Lending. 

Everything is Securities There is No statute of limitations on FRAUD according to Trade Regulation Rules Part 433, which protects consumers ' claims and defenses. It includes terms such as person, consumer, creditor, purchase money loan, financing a sale, and more. 16 CFR 433-1 This will serve as our instruction letter to please do a remittance transfer to our 1099 C so I can properly do my tax returns for XXXX please send my cancellation of debt form copy B for the debtors. Per the electronic funds transfer account. along with a negotiable instrument in the form of an International Bill of Exchange. 
No Response XXXX, XXXX - Certified Return mail receipt MERCEDES BENZ USA LLC General Counsel - XXXX XXXX XXXX GA XXXX copies of what was mailed to Trustee as the Attorney in Fact / co signor and sign with REVOCATION of Power of Attorney with instructions for settlement and disclosures. Request to complete for IRS Form W-9 , Specific Instructions to Tender the payment - via LEGAL TENDER DEFINED under UCC Section 1-201 ( 24 ), HJR-192 Public Law, REJECTION - under California Commercial Code 3603/UCC - 3-603 with an ACKNOWLEDGEMENT OF NOTARY with request to respond with lawful items for my accounting back to me by XXXX XXXX via secured mail. Requested NOTICE to administer for my Record keeping purposes to the withholding in order that all taxes to be applied to the accurate TINs. It was signed and received on XX/XX/XXXX. I have called them to speak with the legal department on XX/XX/XXXX to follow-up and several occasions on their recorded lines and still no written response to notice. 

I have conducted a UCC- 11 LIEN SEARCH with the STATE OF CALIFORNIA SECRETARY OF STATE and have a signed certified copy from Secretary of State that their is no Lien or or further obligation to this BORROWER 'S MERCEDES BENZ FINIANCIAL SERVICES

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously disputed inaccurate reporting related to an account from XXXX XXXX ( Partial Account No. XXXX ) with XXXX, Equifax, and XXXX. 

Despite providing detailed information highlighting inconsistencies, including payment history errors ( XXXX  ), missing Compliance Condition Code ( CCC ), incorrect ECOA coding, inaccurate Date of First Delinquency ( DOFD ), and balance discrepancies, the credit bureaus failed to conduct a reasonable reinvestigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ). 

The inaccuracies were not properly corrected or removed, violating the Fair Credit Reporting Act and causing continued harm to my credit reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: NJ

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 2025-04-29 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: NJ

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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:
I did not authorize these fraudulent inquiries on my report XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date 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 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
b'Hello please remove block on my credit cards I need to use them for my business. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI spoke with XXXX  XXXX, executive representative for XXXXWho unblocked my acct in the past. Why am I facing these issues again? \n\nI am XXXX  and can not visit a branch.'

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation XXXX transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Transfer of Assignment and Purchase Agreement-Account Number-XXXX Dear Customer Service I hope this letter finds you well. 
I am writing to formally request a copy of the Transfer of Assignment and the Purchase Agreement relating to the account originally held by [ Original Creditors Name ] and now under your collection authority. In accordance with my right to request verification and full documentation of the chain of ownership, I respectfully request the following : A copy of the Transfer of Assignment showing the legal transfer of ownership of the account from the original creditor to your agency. 


A copy of the Purchase Agreement or other legal documentation that evidences your agency 's right to collect on this account. 


This request is made pursuant to my rights under applicable consumer protection laws. Please provide the requested documents within 30 days from the date of this letter. If these documents can not be provided, I respectfully request that all collection activity on this account cease immediately, and the account be removed from all reporting agencies if applicable. 
Please send all correspondence and documentation to the address listed above or to my email at XXXX Thank you for your cooperation and prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
On XXXX XXXX| purchased the XXXX on XX/XX/XXXX I returned the XXXX XXXX to XXXX due to engine issues, and they were not willing to fix. XXXX-I refinanced the XXXX through XXXX and had already sent the payoff for XXXX to Bridgecrest the Lender. XXXX was told Bridgecrest would send the funds back XXXX to this account would be considered closed and they can not apply funds. XXXXI exchanged the XXXX for a XXXX XXXX, XXXXBridgecrest received the funds for the XXXX and posted the payoff for the XXXX to the new XXXX account. Which I was told this would not happen. I have been reaching out to Bridgecrest daily and get a different response each time. Can never be transferred to higher managent Here we are in XXXX payoff sat on wrong account for 45days and I'm still reaching out daily to get these funds back. I'm paying XXXX for a XXXX XXXX Loan that I do not have. In return also paying Bridgecrest for the XXXX XXXX. The funds iao {$25000.00} needs to be expedited for the XXXX. This has been the worse experience that I have had to deal with a Business. They do not care about their customers. ( I was told that they were holding the funds due to stock issues with the XXXX, then I was told it was awaiting Accounting approval due to the amount, then I was told they did want to move the funds bc it will default the XXXX. They would not give me time to make the XXXX payment even tho its due to their mishap. I explained to them that it did not make sense for me to pay XXXX car loans & had I not been put in this situation my payment would have been on time. That didn't matter. So I made the XXXX payment online on XX/XX/XXXX. 
Couple hours later XX/XX/XXXX I was told the funds for the XXXX were approved & check was in next batch to print. They will call back on Monday XX/XX/XXXX with tracking number. No call.. I called back on XXXX rep stated its approved but is still with accounting to follow back up with them on XXXX for status. This process has really hindered me & cause all kind of unforeseen issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my TRANSUNION Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXXXXXX Date opened XX/XX/XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$21000.00}

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