vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My car loan was transferred from XXXX XXXX  XXXX Westlake Portfolio Management as of XX/XX/year>. Since the transfer, I have not received a single billing statement. I have always paid my loan ahead of schedule, often making double monthly payments, and my account was in good standing with XXXX XXXX. The lack of a billing statement has made it impossible to verify the status of my payments with the new servicer. 

I called customer service twice to request a billing statement. The first time, I was told that sending a statement was not an option, even though the companys own website states that payments can be mailed with a billing statement. When I asked to speak to a supervisor, I was put on hold and then disconnected. 

On my second call, I spoke with a representative named XXXX XXXX. She raised her voice at me, accused me of being disrespectful, and repeatedly interrupted me, even though I was calmly trying to confirm what she had explained. She also provided incorrect account information, telling me I owed an amount that was not accurate. When I requested the billing statement be both mailed and emailed, I was told that only XXXX method was possibleand that mailed statements would take XXXX calendar days to arrive. When I asked again to speak to a supervisor, I was told none were available. 

* * Problems : * * * I am unable to obtain a basic billing statement. 
* I was treated unprofessionally and yelled at by an agent. 
* I was given inaccurate information about my loan balance. 
* I was not allowed to escalate my concerns to a supervisor. 

This level of customer service is unacceptable and has caused unnecessary stress and confusion. I am requesting : * Immediate access to a billing statement ( mail ). 
* Confirmation of my loan balance and due dates. 
* A formal review of the representatives conduct. 
* Assurance that my credit or loan status is not negatively impacted due to their failure to provide basic account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MI

Complaint narrative:
XXXX XXXX- I was never late on this account, please remove late payment history.

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 2025-06-19 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Regulatory Authorities, I am writing to file a formal complaint against Lobel Financial regarding ongoing violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and California XXXX Fair Debt Collection Practices Act. Despite repeated requests, Lobel Financial has failed to provide required documentation related to a debt for which they are actively garnishing my wages. 

Debtor Name : XXXX XXXX XXXX : Lobel Financial Case Number : XXXX Court : XXXX XXXX XXXX XXXX XXXX CA Judgment Date : XX/XX/XXXX Amount Garnished : {$1100.00} ( per XXXX Earnings Withholding Order ) Timeline of Events : XX/XX/XXXX : I received a garnishment notice at my place of employment. 
XXXX XXXX : I sent multiple email requests to Lobel Financial for : A copy of the court judgment A breakdown or payment history Written confirmation of the settlement offer and deadline XX/XX/XXXX : I spoke with a representative named XXXX, who said she would follow up with her manager regarding an extension of the settlement deadline to XX/XX/XXXX, and provide written confirmation I never received a response. 
XX/XX/XXXX : I spoke with a representative named XXXX, who said the case was forwarded to litigation and something had been mailed to me yet I have received nothing by mail or email, and no callback from a manager. 

Despite these good-faith efforts, no documentation has been provided that validates the debt, explains the balance, or confirms the settlement terms. Lobel Financial is actively collecting and garnishing wages while failing to comply with consumer disclosure obligations. 

Violations of Consumer Rights : 1. Failure to Provide Debt Validation : Per FDCPA ( 15 USC 1692g ), a consumer has the right to request validation of a debt, including the original judgment and payment breakdown. Lobel has failed to comply.

2. Lack of Written Settlement Terms : Lobel made a verbal offer of settlement and extension but failed to provide it in writing. This creates a misleading and unfair collection practice.

3. Withholding Court Documentation During Garnishment : While Lobel is actively garnishing wages, they have not provided the court judgment or supporting records when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NE

Complaint narrative:
Despite my previous XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after XXXX written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-06-19 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: OR

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit record, I discovered the presence of late payments that I believe are inaccurate or unverified. Despite sending correspondence to the relevant parties over 30 days ago requesting proper validation of these items, I have not received any response or satisfactory documentation to support their inclusion on my credit report. This lack of response and failure to provide adequate validation raises serious concerns about the accuracy and legitimacy of these reported late payments.

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 2025-06-19 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
DELETE THESE HARD INQUIRIES : XXXX ( XXXX, XXXX ), XXXX OF XXXX ( XXXX ), and XXXX XXXX ( XXXX ). I never authorized or consented to these inquiries, which is a direct violation of 15 U.S.C. 1681b ( no permissible purpose ) and 15 U.S.C. 1681e ( a ) ( failure to maintain reasonable procedures ). I recently found out that TransUnion is already facing legal action for ignoring similar consumer complaints about unauthorized inquiries. Dont continue down this path. If these inquiries are not removed, I will hold you liable under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

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 2025-06-19 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: ID Analytics, Inc.
State: OH

Complaint narrative:
Subject : Request for Full Disclosure of Consumer Report Information Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing to request all information contained in the full consumer report that XXXX has on me. Access to this information is essential to address concerns regarding this inquiry and to ensure that my rights are fully protected. 

Specifically, I am requesting : A complete copy of the full consumer report that XXXX has on me. 
Any additional details or documentation related to this inquiry that may assist in resolving this matter. 
I kindly ask for your assistance as the overseeing consumer agency to ensure I receive all relevant information and that this issue is addressed appropriately. If additional documentation is required to process my request, please let me know. 

You may contact me at [ your phone number ] or [ your email address ] for further communication. Thank you for your time, attention, and support in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2025-06-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
XXXXXXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NV

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 2025-06-19 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: FL

Complaint narrative:
CFPB Complaint Against Experian Date : XX/XX/year> I am filing this complaint due to the ongoing inaccurate and harmful reporting of a debt by XXXX XXXX XXXX, which Experian continues to include on my credit report despite multiple disputes and new evidence submitted. 

I recently discovered several key pieces of information that prove this account was misattributed to me : XXXX. XXXX originally listed the account under a misspelled version of my first name and a completely incorrect addressneither of which match my identity or credit profile.

2. The account number XXXX  references in all their direct letters to me begins with XXXX, while the tradeline Experian is reporting starts with XXXX. This suggests that two different accounts are being confused, or that data is being furnished under an inaccurate identifier.

3. I also received a letter from the GAP insurance provider confirming that the vehicle loan was covered under a wrong name and address, reinforcing that I was not the rightful policyholder or borrower. 

XXXX. XXXX only began using my correct identity details after I contacted them in writingwhich further proves they had no verified or accurate information at the time they began reporting this debt. 

XXXX. Experian continues to report this item monthly, even though it is based on unverified, mismatched identity information, and is causing me significant harm in obtaining credit and financial products. 

I have attached documentation showing the incorrect name and address used by XXXX and the mismatched account numbers. This account should be removed immediately or at minimum marked disputed not consumers responsibility. 

I request that the CFPB compel both parties to comply with the Fair Credit Reporting Act ( FCRA ), especially sections 611 and 623, and cease reporting this tradeline unless it can be fully and accurately verified.

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 2025-06-19 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: AZ

Complaint narrative:
I am submitting this complaint due to the ongoing failure of Equifax, Experian, and TransUnion to adequately investigate my disputes concerning inaccurate negative information on my credit report. Despite repeated efforts to have these errors addressed, the credit bureaus have employed delay tactics instead of fulfilling their obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a thorough and timely investigation. 

These inaccuracies have negatively impacted my credit score and hindered my ability to obtain credit, resulting in considerable stress and financial hardship.

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 2025-06-19 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: AZ

Complaint narrative:
I am submitting this complaint due to the ongoing failure of Equifax, Experian, and TransUnion to adequately investigate my disputes concerning inaccurate negative information on my credit report. Despite repeated efforts to have these errors addressed, the credit bureaus have employed delay tactics instead of fulfilling their obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a thorough and timely investigation. 

These inaccuracies have negatively impacted my credit score and hindered my ability to obtain credit, resulting in considerable stress and financial hardship.

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 2025-06-19 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: FL

Complaint narrative:
Upon review of my credit report, I found fraudulent account and erroneous information. Please remove this incorrect information from my credit report immediately.

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 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: NY

Complaint narrative:
Account TEK-COLLECT INC XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXXCertified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
I kindly ask for the immediate removal of this inquiry from my credit report, as it is not connected to me, and I have no relationship with the creditors involved.

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