vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX XXXX, voluntarily surrendered my vehicle, a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ), to Westlake Financial Services ( Account # XXXX ). I contacted the company to inquire about the upcoming disposition of my vehicle and was informed that they will not provide any information regarding the date, time, or location of the private auction where my vehicle will be sold, claiming that they have no legal obligation to disclose such information. 

Under New Jersey law ( UCC Article 9, N.J.S.A. 12A:9-601 et seq., specifically 9-613 and 9-614 ), a secured party is required to provide reasonable notification regarding the disposition of collateral, including : The method of sale ( public or private ) For a public sale : the date, time, and location For a private sale : the time after which the sale will occur and the identity of the party conducting the sale Failure to provide this notice constitutes a violation of the UCC and may bar the creditor from collecting any deficiency balance remaining after the sale. 

Westlake Financial Services refusal to provide this legally required information violates my rights as a consumer and debtor. I am requesting the CFPB to investigate this matter, require the company to provide the necessary information in writing, and ensure that my rights are protected under state and federal consumer protection laws. 

I have attached supporting documentation, including my voluntary surrender records, account information, and communications with Westlake Financial Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: MS

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-09-19 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: TX

Complaint narrative:
I am disputing the inaccurately reported late payment on my credit report. My records confirm a consistent pattern of on-time payments, and this negative entry is clearly an error. Its presence unfairly harms my financial standing and misrepresents my payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I got a collection on my credit from Collection Management for XXXX that is not mine and I believe it a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
On Monday XX/XX/year> I noticed my credit had dropped because of a deliquent account. I quickly figured out that the collection agency by the name of Radius Global Solutions at which point I called them directly and was instructed to email to request proof of debt, which I did on that same day, XX/XX/year>. Per the agents advice, they would provide this information within 30 days. They did not provide requested documentation that this debt was mine within the 30 days at which point I followed up via email on XX/XX/year> requesting that the debt be removed from my credit report. As of today, XX/XX/year>, this derogatory mark is still on my credit report. I pride myself on having good credit and on time payments, thus this is very frustrating as it dropped my score almost XXXX points.

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 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lloyd & McDaniel, PLC
State: TN

Complaint narrative:
On XX/XX/XXXX and XXXX I have tried to reach out to Lloyd and McDaniel law firm to acquire the verification of Debt. Out of the many times that I have called, I was put on a wait-list for a call back and no one did. When I finally got through to someone they sent me to a lady who was not there and I was sent to voicemail. I had no clue that my debt from XXXX XXXX XXXX was given to a collector ( XXXX ) and that they gave it to Lloyd and McDaniel.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX To : Ally Financial Credit Reporting/Compliance Department XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Formal Dispute of Inaccurate Late Payment & Privacy Complaint Account Ending in : XXXX Dear Compliance and Credit Reporting Department, I am submitting this formal dispute and privacy complaint regarding an inaccurate late-payment entry that Ally Financial is furnishing to the nationwide consumer reporting agencies.

1. Inaccurate Reporting ( FCRA ) 15 U.S.C. 1681s-2 ( a ) requires furnishers to report complete and accurate information. 


I have previously disputed this item with the credit bureaus, yet Ally has not produced proper documentation validating the alleged late payment, nor corrected the error. 


Under 15 U.S.C. 1681i, the bureaus and Ally are required to conduct a reasonable investigation within 30 days.

2. Privacy Concerns ( 15 U.S.C. 6802 ) Section 6802 of the GrammLeachBliley Act prohibits a financial institution from disclosing non-public personal information to a non-affiliated third party without providing notice and an opportunity to opt out. 


Continuing to disseminate unverified or inaccurate late-payment data to third-party credit bureaus constitutes disclosure of my non-public personal information without proper verification and, therefore, violates the spirit and letter of 6802.

Requested Action Immediate removal of the late-payment notation from all consumer reporting agencies ( XXXX XXXX XXXX  ) XXXX 


Written confirmation of the deletion and of Allys compliance with 6802 privacy requirements within 15 days of receiving this letter.

A description of Allys internal investigation and any documentation supporting the alleged late payment. 


Failure to address this matter promptly will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission, and my state Attorney General. 
Thank you for your immediate attention. 
Sincerely, XXXX XXXX XXXX XXXX Last XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened my credit card account with capitol one about 2 months ago my payment was scheduled this past week I made my payments got confirmation numbers even have a email saying my account was linked then they kept declining my payments informing me later on charged me interest now they closed my account and charged me fees even though I clearly saw they accepted my payments. My bank didnt decline nothing I have a email from capitol one saying they linked my bank with the capitol one account so I made my payments and they themselves decline it or something, I should not be having this issue especially when its they affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: PA

Complaint narrative:
Re : Dispute of Inaccurate / Fraudulent Account Dear Credit Bureau I am writing to dispute the following account on my credit report, as it is not mine and is being reported in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of disputed information. Additionally, 15 U.S.C. 1681b ( a ) ( 2 ) limits the furnishing of consumer reports to only those with a permissible purpose. Reporting or sharing this fraudulent or inaccurate account violates these provisions.

I demand that this account be permanently deleted from my credit file and that you provide written confirmation once the correction has been made. Enclosed are copies of documents verifying my identity. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: NJ

Complaint narrative:
I am submitting this complaint to request a credit freeze ( security freeze ) with all three major credit reporting agencies. 
I want to prevent any unauthorized access to my credit file and protect myself from potential identity theft or fraudulent activity. 

Despite my attempts to contact the credit reporting agencies, I have encountered obstacles and have not been able to successfully initiate a credit freeze. 
I am concerned that without this freeze, my personal credit information remains vulnerable to misuse. 

Steps I Have Taken : I have gathered the necessary personal identification documents and attempted to submit freeze requests. 

I have not received confirmation from the bureaus that my credit file has been successfully frozen.

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 2025-09-18 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: CA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to my account ( s ) with your institution. Your failure to properly record payments, correct calculation errors, and provide the legally mandated 21-day notice before payment due dates violates the Truth in Lending Act ( TILA, 15 U.S. Code 1666 ( b ) ).

These errors have unjustly harmed my credit standing.

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 2025-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Chrysler Capital received funds that should have been applied to my account but have failed to do so. They received a check in the amount of {$2500.00} on XX/XX/year> for refunds that are due to a balance associated with my account. I had to chase this money from XXXX, XXXX XXXX XXXX XXXX to Chrysler capital to get it refunded to the account. Chrysler capital told me it was my responsibility so I got it done. I have called Chrysler Capital at least XXXX times since XX/XX/year> on this matter but as of this morning it has yet to post. This is affecting my credit which is unfair to me. They sold my car at auction without following XXXX  laws and are now failing to report the added refunds to this balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: LA

Complaint narrative:
I had purchased XXXX on XXXX  app and later on XX/XX/year> I sold it and it was placed in my XXXX  Balance and I went to withdraw it to my bank account and it normally take like XXXX hours then Ill get it but its almost been a week. And they wont cancel it or tell me whats going on they asked for documentation of me holding my identification card with todays date and a CODE written on it and I do as I was asked and still NOTHING. There support sucks and they dont help anybody

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I have received a copy of my credit report and have found many inaccurate information. I demand that this account be deleted TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : Prior dispute notations appear but no corrections were made proving a failure to properly reinvestigate.

DELETE FROM CREDIT REPORT I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE, I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE 3. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT.

PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER.

IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARGED.

WITHOUT PREJUDICE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I am submitting this complaint to request a credit freeze ( security freeze ) with all three major credit reporting agencies. 
I want to prevent any unauthorized access to my credit file and protect myself from potential identity theft or fraudulent activity. 

Despite my attempts to contact the credit reporting agencies, I have encountered obstacles and have not been able to successfully initiate a credit freeze. 
I am concerned that without this freeze, my personal credit information remains vulnerable to misuse. 

Steps I Have Taken : I have gathered the necessary personal identification documents and attempted to submit freeze requests. 

I have not received confirmation from the bureaus that my credit file has been successfully frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: PA

Complaint narrative:
Re : Dispute of Inaccurate / Compromised Information Data Breach Dear TransUnion, I am disputing inaccurate and fraudulent information in my credit file caused by the TransUnion data breach. The Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ) requires maximum possible accuracy. The following items are not mine and must be deleted immediately : 1. Account Name : XXXX XXXX Account # XXXX 2. Account Name : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  3. Account Name : XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX This information is a direct result of compromised data and must be permanently removed. Please reinvestigate and confirm in writing once the corrections are made. 

Sincerely,

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 2025-09-19 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-19 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
XXXX XXXX claim that help with your credit come to find they charge you all this money and dont anything changes every thing goes back on my credit plus they charge monthly fees and they dont do anything. But take your money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC
State: ME

Complaint narrative:
I do NOT owe XXXX. I even have confirmation numbers # XXXX {$690.00} # XXXX {$800.00} of last two payments that equal the amount. Whoever REVCO is does not have valid number listed. One just rings and rings. The other says non working number. I never received any notice, or bill from REVCO.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This a spin-off from case # XXXX. The bank paid XXXX XXXX the {$47.00} and refunded me a temporary {$47.00} to my account and three days ago they took it back from me. So XXXX XXXX doesn't want to do anything with it because they got the {$47.00}.

Company response to consumer: Closed with explanation