vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: AL

Complaint narrative:
MRS BPO LLC Amount {$1700.00} date XX/XX/year>, who creditors if they report credit history inaccurately reason defamation financial injury law US court of appeals XXXX XXXX number XXXX XXXX versus XXXX XXXX fine extent of Damages incurred by the wrong party as XXXX by the courts Its XXXX XXXX in the account number and that is inaccurate or incomplete and its reporting on XXXX  and XXXX  and aren't you suing XXXX  for XXXX investigations like this one

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
Amsher collection serv Amount {$1900.00} date XX/XX/2025 who creditors if they report credit history inaccurately reason defamation Financial injury law XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Damages incurred by the wrong party as XXXX by the courts Its XXXX XXXX in the account number and that is inaccurate or incomplete and its reporting on XXXX  and XXXX  and XXXX XXXX and aren't the cfpb Sueing XXXX  and XXXX  for sham investigations just like this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NM

Complaint narrative:
In XXXX, I suffered a XXXX XXXX XXXX resulting in a XXXX XXXX XXXX and documented XXXX XXXX XXXX XXXX. I formally notified Westlake Financial through an attorney-submitted XXXX accommodation request in XX/XX/XXXX, asking for assistance with billing accessibility and account management. Despite this, Westlake continued to send only inaccessible electronic billing statements and never provided me with accessible billing or mailed statements, causing confusion and payment difficulties.

I maintained perfect on-time payments for over a year after my injury. Still, due to the inaccessible billing methods and the severity of my XXXX, I eventually began experiencing late payments. I attempted to work with Westlake directly by submitting a formal goodwill letter on XX/XX/XXXX, requesting a correction of these late payments due to their failure to accommodate my XXXX XXXX. After no response, I escalated with a formal demand letter with supporting documentation, tracking confirmation, and proof of Westlakes package receipt. Westlake has refused to correct inaccurate late payments and a charge-off status, despite full cooperation and full settlement payment made three months ahead of schedule. 

I am now filing this complaint due to Westlakes failure to correct inaccurate reporting, their failure to comply with XXXX requirements, Fair Credit Billing Act violations, and the ongoing damage to my credit profile caused by their inaccessibility and negligence. I have fully documented all correspondence, proof of XXXX, and payment records. I respectfully request an urgent investigation and correction of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
A CapitalOne credit card was taken out in my name. I never received this card, but we began receiving bills from them. They said I am responsible for this card because they claim they heard my voice authorizing it and the card was sent to my address. The amount of {$16000.00} was charged on the card. It was used to purchase gift cards from various stores like Wal-Mart and XXXX around the XXXX area and some were online. It was linked to a phone number I never had, and to an email address I never used. It was linked to an account with XXXX XXXX bank, which has no branches in Oklahoma, and I had never heard of them. 
While trying to straighten the issue out with CapitalOne, they told us to request to view the video footage and get the receipts from the stores. But the stores could only give the information to the detective and then we could request it from the detective. We emailed the detective who handled our case several times, but he was not responsive. Before this, bank fraud happened to us. Other than ACH transactions, someone impersonated me and withdrew money from the bank. We told the police whom we suspected, a highly tech-savvy man who we knew relatively well in Minnesota and my former co-worker. But the detective just said it was outside his jurisdiction, which did not make sense to us as the impersonation happened here in XXXX. 
CapitalOne sold the debt to XXXX XXXX XXXX. They are now contacting us for payment. The whole situation has caused tremendous stress to us as the XXXX bank did not give us the full refund. Worse still, they said I was caught in a romance scam. When asked to put everything in writing, they refused. How disappointing that the law enforcer did not perform their duty diligently. 

We have a lot of documents regarding this credit card fraud. It might be difficult to upload them all. If there is a specific one that you think would be helpful to solve our problem, please let us know.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: IL

Complaint narrative:
XXXX has not validated to this debate over three time this has been requested however, the company does not respond and does not provide the required information according to the guidelines of the FCRA such as 1.A copy of the original contract or original purchase agreement that created the alleged debt. If the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. 2. In aadition, please send proof of chain of ownership of the alleged debt and include proot of assignment for each chang of ownership. Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain. 3. Also include a full accounting history from the original creditor including the date and amount of each payment and dit the Date of First Delinquency leading to the collection status. 4 If any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement. 5. Proot that you are legally allowed to collect on alleged debts in the state of ILLINOIS, including your Third-Party 06 Debt Collection Bond 6 Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. FTC V. Midwest Recovery Systems makes clear that it " debt parking '' without proper notices is a violation of consumers rights. I have reached out multiple times now and I never get a response also I sent the letters first class mail so I have confirmations that they were delivered to the company they are just refusing to respond

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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:
XXXX has not validated to this debate over XXXX time this has been requested however, the company does not respond and does not provide the required information according to the guidelines of the FCRA such as 1.A copy of the original contract or original purchase agreement that created the alleged debt. If the original contract is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. 2. In aadition, please send proof of chain of ownership of the alleged debt and include proot of assignment for each chang of ownership. Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain. XXXX. Also include a full accounting history from the original creditor including the date and amount of each payment and dit the Date of First Delinquency leading to the collection status. XXXX If any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement. XXXX. Proot that you are legally allowed to collect on alleged debts in the state of XXXX including your XXXX XXXX Debt Collection Bond XXXX Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. FTC XXXX XXXX XXXX XXXX makes clear that it " debt parking '' without proper notices is a violation of consumers rights. I have reached out multiple times now and I never get a response also I sent the letters first class mail so I have confirmations that they were delivered to the company they are just refusing to respond

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 2025-04-27 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:
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 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 2025-04-27 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: MD

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 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 2025-04-27 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: CA

Complaint narrative:
On XX/XX/year> I reported to Trans Union Equifax Experian that they are fraudulent accounts on my consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im filing this report against Trans Union Equifax Experian for illegally refusing to block fraudulent information from my consumer report, despite valid dispute and notification of the fraud regarding the listed accounts on my consumer report were the result of identity theft and fraud. I informed and requested an investigation regarding fraudulent accounts, XXXX XXXX XXXX XXXX XXXX XXXX, that is on my customer report. These item are being reported illegally. I am concerned about the validity and accuracy of the recent investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with written verification or correction of the disputed information. If you are unable to verify the accuracy of the information within 30 days, as required by the FCRA, It must be removed from my credit report. In addition, please send me a copy of the results of your investigation, as well as any documentation or evidence supporting the accuracy of the information you have on file. I appreciate your prompt attention to this matter and confirmation that this information has been corrected. XXXX XXXX XXXX In accordance with my rights under federal law, I submitted the required documentation, including police report, FTC Identity Theft Report, affidavit of fraud drivers license, and Social Security card. 

However, such Companies are refuseing to block or remove the fraudulent information, in direct violation of federal law. 

Under 15 U.S.C. 1681c-2 ( Section 605B of the Fair Credit Reporting Act ), if a consumer identifies information in their file as resulting from identity theft and provides appropriate proof, the consumer reporting agency must block the information within XXXX ( XXXX ) business days of receiving the documentation. 
Demands for Immediate Corrective Action : I hereby demand : Immediate and permanent removal and blocking of the fraudulent accounts from my consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
I am an active duty member of the United States military and rely on accurate credit reporting for career advancement and eligibility for security clearances. Upon reviewing my credit reports, I discovered that my XXXX  XXXX  account information is being reported inconsistently across credit bureaus.Specifically, TransUnion reports a XXXX  day late for XX/XX/year> and a XXXX  day late for XX/XX/year>, while Equifax reports a XXXX  day late for XX/XX/year>, a XXXX  day late for XX/XX/year>, and a XXXX  day late for XX/XX/year>. I submitted disputes requesting full verification of these reported late payments, including payment history documentation and explanation for the inconsistencies, but have not received any valid supporting information.These discrepancies demonstrate inaccurate and unverifiable reporting, which violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) for furnishing accurate information. The incorrect reporting is causing immediate harm to my military career and advancement opportunities. I have attached documentation showing the inconsistent reporting across TransUnion and Equifax, along with proof of my identification and Social Security number. I respectfully request full removal of the late payment notations from my credit reports, or full validation and documentation of the reported payment history, within 10 calendar days due to the urgent harm being caused.

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 2025-04-27 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: AZ

Complaint narrative:
items on credit report inaccurate i asked company to delete items and they send me letters claiming that they investigated and items are accurate, I did not asked them to verify, i asked them to delete because they should not be in my credit report and/or those accounts are reported wrong or they are not mine. 
I already went to court and got this items dismissed, court paperwork 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 2025-04-27 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 2025-04-27 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: CA

Complaint narrative:
I am writing to formally dispute the reporting of late payments on my credit file associated with my account ( Account No. XXXX ). Specifically, the credit report reflects late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I assert that these entries are inaccurate and demand immediate investigation and corrective action, pursuant to my rights under federal law, including but not limited to : XXXX5 U.S.C. 1666b ( Timely Billing Requirements ) Fair Credit Reporting Act ( FCRA ) Fair Credit Billing Act ( FCBA ) Equal Credit Opportunity Act ( ECOA ) Consumer Financial Protection Bureau ( CFPB ) Regulations I have consistently maintained timely payments on my account and have no record supporting the alleged delinquencies. It appears these late payment reports are the result of either a billing error, reporting mistake, or a failure to comply with required notice and timing standards under federal law. 

As outlined in 15 U.S.C. 1666b, creditors must provide a minimum 21-day notice period prior to a payment becoming due. Failure to adhere to this requirement invalidates any negative reporting based on such payment. Under the FCRA, I am entitled to dispute and demand the reinvestigation of inaccurate information, and you are required to verify the completeness and accuracy of the contested information. The FCBA also mandates the prompt resolution of billing disputes, while the ECOA and CFPB regulations protect against unfair and unlawful credit reporting practices.

Accordingly, I am requesting the following actions : A full and detailed investigation into the late payments reported for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Provision of all documentation and payment records substantiating these derogatory entries.

Immediate removal of the inaccurate late payments from my credit report if you are unable to provide verifiable and documented proof supporting their accuracy. 

Written confirmation of the results of your investigation and any corrections made to my credit file. 

Please be advised that failure to respond adequately and within the timeframe required by the FCRA ( 30 days from receipt of this dispute ) may result in further actions, including complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and the Office of the Comptroller of the Currency, as well as consideration of private legal remedies to protect my rights.

I expect acknowledgment of receipt of this letter within five ( 5 ) business days and a full
response, including the results of your investigation, within thirty ( 30 ) days, as mandated by federal law.

Thank you for your immediate attention to this urgent matter. I look forward to your prompt and full resolution of this dispute. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
wrote ltrs in XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX requesting validation of debt including full name and address of original creditor, documentation showing that Portfolio is licensed to collect the debts in texas & have legal right to collect debt. all details of debt, copy of original credit card agreement with my signature & statements showing amounts owed, records showing chain of ownership if and when the debt was sold and detailed accounting of the total amount owed. 
i received on 2 occasions XX/XX/XXXX and XXXX XXXX a copy of a statement of CC along with a letter dated XX/XX/XXXX stating XXXX XXXX  sold the debt to Portfolio Recovery. i have never seen this letter before nor has it ever been mailed to me after the fact. i noticed in XX/XX/XXXX that portfolio was on my Credit report so i wrote them a ltr in XXXX requesting validation. i gave them 3 chances in writing to produce everything and they failed to meet the 30 day guideline so XX/XX/XXXX i wrote them that i was disputing the debt for failure to comply and it had been longer than 30 days. XX/XX/XXXX i filed disputes with all 3 credit bureaus and they are siding with Portfolio. stating debt stands

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
2 to 3 times a week. I get calls. I have picked up and asked to not be contacted block the number. the next day they call from a new number.

Company response to consumer: Closed with explanation