vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
There are fraudulent inquiries on my report applications made in my name that I neither authorized nor applied for and it might've been done online without my knowledge. These companies accessed my credit report without my consent, further impacting my credit standing. Despite contacting the credit bureau and being assured that these inquiries would be removed, they remain on my report, causing me ongoing stress and anxiety.

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 2025-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CO

Complaint narrative:
XX/XX/XXXX To Whom It May Concern : I am writing to dispute a series of unauthorized and excessive payments made to Westlake Financial Services from my checking account, including XXXX final debit from my XXXX account totaling {$600.00} on XX/XX/XXXX. 

My auto loan with Westlake Financial was a XXXX agreement that began on XX/XX/XXXX, which means the loan should have concluded in XX/XX/XXXX. I have already made XXXX payments of {$380.00}, totaling {$23000.00} XXXX more than required. Yet on top of that, Westlake demanded an additional payment of {$600.00} before releasing my vehicle title. 

This final transaction occurred after the loan was fully paid, and no explanation or refund has been issued for the surplus payments. 

I am requesting an immediate investigation and reversal of the excess funds withdrawn, which total {$2300.00} in extra monthly payments, plus the {$600.00} title release fee, for a total of {$2900.00} in disputed charges. 

Please see attached : Loan payment summary ( XXXX ) Screenshot of the {$600.00} XXXX payment to Westlake on XX/XX/XXXX Timeline of scheduled payments vs actual Proof that the loan term ended in XX/XX/XXXX These withdrawals are unauthorized under Regulation E of the Electronic Fund Transfer Act, and I am requesting a formal dispute be opened immediately. I am happy to provide any additional documentation needed to assist with this process. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a XXXX XXXX card for a promotional incentive to earn bonus points via my XXXX account serviced by Chase in XX/XX/year>. I was intentional about my use to earn the incentive within the XXXX  month timeframe. During this timeframe Chase promoted to me for all XXXX card and to open a checking with them for a promotional incentive. Once I opened the checking account in XXXX, they closed my credit cards for too many accounts. I call to speak to someone at Chase about the rationale behind closing accounts after theyre pushing and incentivizing awards as a current customer and just was told they closed the accounts due to their banking policies of new accounts in a timeframe. They also forfeited my points ( due to account closure ) which I earned due to upholding my part of the agreement, It seems that they didnt want to provide the XXXX points and this feels like fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: GA

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, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
I am filing this complaint regarding the actions of Spring Oak, which is attempting to collect a debt that I do not recognize and has failed to provide proper validation under federal law. 

Spring Oak is not the original creditor, and as a third-party debt collector, they are required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to provide written verification of the debt upon request. I have formally requested that Spring Oak validate this alleged debt by providing : A copy of the original signed contract or agreement A detailed and itemized statement from the original creditor Proof of the chain of custody or ownership of the debt ( showing how and when they acquired it ) Documentation clearly showing that this debt is mine To date, they have failed to provide any of this information. Despite that, they have reported this unverifiable debt to the credit bureaus, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Reporting a debt without proper verification is not only misleading but legally improper. 

Therefore, I am demanding the following : XXXX. If Spring Oak can not provide valid and complete documentation as required by law, they must immediately cease all collection efforts. 
XXXX. The alleged debt must be immediately removed from all credit reports, as it is unverified and improperly reported. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter, as XXXX XXXX actions appear to violate my rights under both the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: SC

Complaint narrative:
I am having an issue with MOHELA - the student loan servicer that is tasked with servicing student loans that are on track from the XXXX XXXX XXXX XXXX ( PSLF ) program. 
I am currently at XXXX qualifying payments for my nurse anesthesia student loans that now, thanks to compounding interest and years of income driven repayments, has ballooned to over {$260000.00}. I switched to the " SAVE '' repayment plan when it was rolled out by the XXXX administration, but was placed into an administrative forbearance while XXXX states sued to stop the new repayment plan. In XXXX of XXXX, I attempted to switch repayment plans to a different Income Driven Repayment plan so that I could continue to make qualifying payments. My application was closed without notification. I submitted another application in XX/XX/XXXX. This application has been with MOHELA since XX/XX/XXXX. The Department of Education states all applications to change plans will be processed in XXXX days. It has now been XXXX days. I have called MOHELA multiple times, however I have not been able to speak to an agent due to astronomical wait times. My account has been in a nonqualifying forbearance for XXXX months. MOHELA has not processed my application to return to payment. 
Healthcare workers that work in large academic teaching hospitals are paid substantially less than those in the private sector. I work in an urban underserved community because I feel passionately about bringing safe, high-quality anesthesia to patients who have limited access to basic health care. Like many of my colleagues, I am relying on the public service loan forgiveness to help me pay back the large amount of student loan debt I accrued while perusing my graduate education in nurse anesthesia. MOHELA has failed to process my application to return to payment for almost XXXX months. I am filing a complaint due to MOHELAs failure to take action. All I want is to be able to make qualifying student loan payments and MOHELA is making it impossible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm not familiar with these sorts of inquiries, and I believe they're not authorized. I suggest you to handle this matter immediately. Please refer to the supporting materials that are attached.

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 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Corp Solutions Inc.
State: CT

Complaint narrative:
Credit Corps Solutions contacted a person whom I have a XXXX XXXX XXXX against due to jeopardizing my safety ... to try to locate me. 
They have called my jobs both past and present, My family, old friends, and coworkers. 

These tactics are not only tactless but are now jeopardizing my safety 1. Fair Debt Collection Practices Act ( FDCPA ) Federal Law This law prohibits debt collectors ( not original creditors ) from engaging in harassment or contact that is abusive, deceptive, or unfair. 

If you have a XXXX XXXX against a specific person, and that person is the one contacting you on behalf of a creditor, then : Contacting you may violate both the FDCPA and the XXXX XXXX. 

Even without a XXXX XXXX, the FDCPA prohibits : Repeated or harassing calls Contacting third parties ( other than your attorney ) Contacting you if youve notified them in writing to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NY

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. 

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 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-05-09 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: IL

Complaint narrative:
Please delete this unauthorized account from my credit report, as it is not associated with me. I also request a prompt investigation to identify and correct any other errors.

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 2025-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: MT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. 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 2025-05-09 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: MT

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) 281 SW 715.719. 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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The same loan is on my credit report multiple times, XXXX denies this but I have viewed my credit report and this same loan is under my credit report multiple times.

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 2025-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against TransUnion regarding multiple unresolved and inaccurate items on my credit report. These errors include incomplete and inconsistent reporting, as well as an unverifiable bankruptcy record. Despite previous disputes, these issues remain unresolved. Below are the details of the items and reasons for my complaint : XXXX XXXX XXXX  Bankruptcy Reference # XXXX : On XX/XX/year>, I mailed a dispute letter requesting specific details about the investigation into this bankruptcy record, including : - The date the furnisher was contacted - The person who verified the item - The method of communication used for verification. - The personal information the furnisher used to confirm the public records accuracy. TransUnion responded with a copy of my credit report dated XX/XX/year>, but failed to provide the specific details requested. 
On XX/XX/year>, I submitted another letter requesting reinvestigation of the XXXX XXXX XXXXkruptcy. I included supporting evidence, such as : - A copy of the PACER case summary - A copy of my credit report, highlighting the errors. However, in a response dated XX/XX/year>, TransUnion stated, We investigated the information you disputed, and the disputed information was VERIFIED AS ACCURATE, without providing any details about their investigation. Due to the lack of transparency and a proper reinvestigation, I demand the immediate and permanent removal of this XXXXXXXX XXXX bankruptcy from my credit report. 
XXXX. Unrecognized Inquiries : The following credit inquiries are unauthorized and must be removed from my report : - XXXX XXXX XXXXXXXX ( XX/XX/year> ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These inquiries were not authorized by me and should not appear on 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 non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per XXXX XXXX, I am requesting their deletion within XXXX  days. Enclosed are relevant documents as proof.

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 2025-05-09 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: KS

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-05-09 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: TX

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX - XXXX XX/XX/year> With a balance of {$540.00} Account number : XXXX XXXX XXXX XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and 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 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NY

Complaint narrative:
My Discover credit card was used fraudulently after my phone was stolen on XX/XX/year>. The thief used XXXX XXXX to make unauthorized purchases, including iPhones from XXXX. I did not authorize these transactions, did not benefit from them, and submitted a police report to Discover. All my credit cards were utilized plus my crypto and checking accounts got emptied too. Discover is the only bank that hasn't done anything about it. I provided all the evidence : police report, XXXX XXXX  claim of XXXX stolen the day before the fraud, affidavit, etc. 

Discover initially issued a provisional credit during their first investigation but later reversed it, stating they found no evidence that someone else made the charges. I filed a second claim, provided additional information, and requested that Discover investigate further. The police has camera footage of when my phone got stolen and they already have some suspects. I also spoke to the detective that handled my case and he said Discover never contacted him. 

Discover has now completed their second investigation and has determined that I am still responsible for the charges. They have not provided a written explanation of their determination or the evidence they relied on. 

I have requested a formal written determination and explanation, but they continue to hold me liable for the charges, interest, and possible credit reporting despite my written dispute under the XXXX XXXXXXXX XXXX XXXX ( FCBA ). 

I am requesting the CFPBs assistance to : Require Discover to provide a written determination with supporting evidence, Ensure Discover properly handles my dispute under XXXX, Prevent interest, fees, and negative credit reporting during the investigation, and Hold me harmless for unauthorized charges that I did not approve or benefit from.

Company response to consumer: Closed with explanation