vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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:
According to XXXX XXXX XXXX, creditors are required to send periodic statements with the information specified in XXXX XXXX XXXX. I request that XXXX XXXX provide proof that these periodic statements were sent in compliance with these regulations. 
Specifically, I request the following XXXX. Proof that the periodic statement containing the required information under XXXX XXXX XXXX was sent to me. 
XXXX. Evidence that these documents were mailed and delivered, including a receipt with my signature confirming that I received them. 
XXXX. Verification that the periodic statement was sent at least XXXX days before the payment due date. 
XXXX. Proof that a negative information notice was sent regarding the late payment, as required by law. 
I believe I did not receive the necessary documentation within the required timeframe, and I am requesting you to investigate this matter thoroughly. Please provide the aforementioned proofs to substantiate the late payment claim.

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 2025-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MA

Complaint narrative:
A collection account from XXXX in the amount of {$200.00} was added to my credit report and marked as a derogatory collection. I have no knowledge of this debt and do not believe it is mine. I formally disputed the account with the credit bureaus, and it is currently marked as consumer disputes this account. I also requested validation from the debt collector, including the original creditors name, date of service or contract, itemized charges, and proof of my legal responsibility for the debt. 

Despite my request, no documentation or validation has been provided. The company continues to report this collection to XXXX XXXX XXXX  without resolution or proof. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that this account be fully investigated and removed from my credit reports if it can not be verified with proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding duplicate and improper re-reporting of a debt by Lockhart Morris and Montgomery on my credit reports with all three major credit bureaus ( XXXX XXXX XXXX XXXX ). 

The debt in question originates from XXXX XXXX XXXX with a balance of {$2000.00}. The same debt is being reported under two separate account numbers : - Account # : XXXX XXXX XXXX, Date Opened : XX/XX/XXXX - Account # : XXXXXXXX XXXX XXXX, Date Opened : XX/XX/XXXX These appear to represent the same debt, but are listed separately, which misrepresents the amount I owe and harms my credit profile. 

Furthermore, this debt has been removed and re-reported by the collection agency, without any new validation or proper notification. I was not informed of the reinsertion, as required by law, nor was any certification provided that the reinserted information was verified as accurate.

These actions may violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : - FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information - FCRA 1681e ( b ) : Failure to ensure maximum accuracy - FCRA 1681i ( a ) ( 5 ) ( B ) : Reinserted items require certification and notice - FCRA 1681s-2 ( b ) : Failure to investigate a dispute - FDCPA 1692e : Use of deceptive or misleading representations I have contacted the credit bureaus and am in the process of disputing these entries formally. I am requesting that the CFPB assist in investigating this matter and compel the furnisher to : - Delete all duplicate entries - Provide documentation for any reinserted information - Cease any further inaccurate reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I am disputing a collection account being reported by LVNV Funding LLC in the amount of {$1100.00}. The original balance was lower, and it has increased without explanation. I submitted a formal debt validation request through my representative, asking for documentation of the original debt, an itemization of all fees and interest, and proof of their right to collect. 

As of today, LVNV has not provided the requested information, yet they continue to report the account to the credit bureaus. I believe this is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and that they are misrepresenting the amount owed. I am requesting that they either validate the debt with full documentation or have the collection removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo bank opened and closed checking and saving accounts without consent. XXXX in XXXX year will show XXXX or XXXX account opened and closed accounts XXXX XXXX officially started banking with XXXX. Notify my employer XX/XX/XXXX .. All paychecks and pension payments should be linked to checking numbers account XXXX. To my knowledge my savings account with XXXX has not been given to my employer. Wells Fargo bank sent a copy of all the statements savings and checking accounts. In XX/XX/XXXX forward mail regarding all checking and savings dates of when they were opened closed. There version of what happened with my accounts which I disputed. Large amounts of money missing constantly but I was distracted with other life issues. I did not realize until XXXX when I looking back and making reports with the XXXX. My Email does not reflect any reason why account are closed and open. No letters telling me about opening and closing these accounts. XX/XX/XXXX attached letter from XXXX showed checking account XXXX closed XXXX XX/XX/XXXX. Savings account XXXX closed XX/XX/XXXX. XXXX Checking Account open XX/XX/XXXX. Savings account XXXX Opened XX/XX/XXXX. Checking XXXX opened XX/XX/XXXX without consent. XXXX closed my savings account without XXXX for checking account XXXX. Also, Wells Fargo return money. I only complained about XXXX credit card, which was XXXX XXXX to XXXX  and the CB. The other cards, if any complaint were made it was for small amounts yet XXXX knew exactly where and when how much was missing and returned some of the funds. XXXX to my knowledge I realized there were some overpayments to credit cards and made reports with the XXXX. XXXX had already returned some credit card overpayments without any complaint to XXXX XXXX  or the XXXX XXXX. I did not realize until XXXX XX/XX/XXXX I received a call from XXXX and they admitted that the returned money was from credit cards overpayments.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: FL

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX in the amount of {$10000.00} for false and misleading credit reporting related to a repossession that occurred in 2022. 

Although the repossession happened in 2022, the company continues to report the account as if there is new activity each monthspecifically updating the report on the XXXX of every month. This gives the false appearance that the repossession is recent, which is misleading, inaccurate, and in violation of the Fair Credit Reporting Act ( FCRA ), Section 623, which requires information to be reported accurately and completely. 

This ongoing false reporting has negatively impacted my XXXX XXXX and financial opportunities, even though the repossession occurred over XXXX years ago with no new activity since. 

I have filed a formal dispute with the credit bureaus and requested the account be corrected to reflect the accurate date of last activity and original charge-off. I request that the CFPB investigate this matter and take appropriate enforcement actions if necessary. 


Thank you for your time and attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX DC on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XXXX XXXX XXXX and a collections account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX with a balance of {$0.00} XXXX XXXX related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard 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 2025-06-07 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a XXXX determination letter according to XXXX ( b ) ( XXXX ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, XXXX XXXX. XXXX ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to XXXX XXXX XXXX XXXX ( XXXX ). According to, XXXX XXXX XXXX XXXX The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 non-monetary relief
Consumer complaint received 2025-06-07 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: Westlake Services, LLC
State: NV

Complaint narrative:
Complaint Summary : I am filing this complaint against Westlake Financial Services for repeated violations of the Fair Credit Reporting Act ( FCRA ) and my consumer rights. I fully paid off a settlement of {$13000.00} in XX/XX/XXXX for my XXXX XXXX XXXX. Since then, Westlake has failed to provide my vehicle title and continues to report inaccurate and derogatory information to the credit bureaus, associated with an incorrect Social Security Number. 



Key Issues and Violations XXXX. Failure to Provide Vehicle Title ( XXXX Months Delay ) Despite repeated requests since XX/XX/XXXX, I have not received the vehicle title for the XXXX XXXX XXXX that was paid in full. Each month I have been told it will be mailedonly to have that date pushed further. As of XX/XX/XXXX, the title still has not been delivered. This delay has interfered with my ability to manage legal ownership of the vehicle. 
XXXX Credit Reporting Under Incorrect Social Security Number The account associated with my name is tied to an incorrect Social Security Number. This error has caused multiple verification problems when calling Westlake and is a violation of : FCRA 602 ( A ) ( 1 ) : Consumers have the right to accurate and fair credit reporting.

FCRA 604 ( a ) ( 3 ) : Accessing or reporting credit information using inaccurate identifiers, such as an incorrect SSN, is unauthorized and misleading. 
FCRA 607 ( b ) : Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of consumer information.

Because Westlake reported this account under an invalid SSN, it has not only failed to meet its duty of accurate reporting, but the data should be considered unauthorized, unverifiable, and invalid. 
XXXX. Failure to Update Account Status Post-Payoff Despite being paid off, the account is still showing as unpaid or derogatory on my credit report. This is a violation of : FCRA 623 ( a ) ( 2 ) : Furnishers of information are required to promptly update and correct incomplete or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Late XX/XX/year> I disputed verification of XXXX Bankruptcies showing on my credit reports. XXXX being reported by XXXX to XXXX  XXXX Experian a third being reported by XXXX to TransUnion. 
The information in these reportings are inaccurate and are unverifiable based on both FCRA Rules as well as Federal Rules of Bankruptcy Procedure Rule XXXX. Protecting Privacy for Filings. 

These third party companies can not verify with XXXX XXXX  accuracy that these XXXX XXXX are in fact mine. They are refusing to provide with their verification procedure therefore the Public Record Entries contained within my XXXX credit reports should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Late XX/XX/year> I disputed verification of XXXX Bankruptcies showing on my credit reports. XXXX being reported by XXXX to XXXX  XXXX Experian a third being reported by XXXX to TransUnion. 
The information in these reportings are inaccurate and are unverifiable based on both FCRA Rules as well as Federal Rules of Bankruptcy Procedure Rule XXXX. Protecting Privacy for Filings. 

These third party companies can not verify with XXXX XXXX  accuracy that these XXXX XXXX are in fact mine. They are refusing to provide with their verification procedure therefore the Public Record Entries contained within my XXXX credit reports should be removed 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 non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
I have been placed in a XXXX XXXX interest SAVE plan forbearance on my federal student loans serviced through Mohela since XX/XX/XXXX. 

On XX/XX/XXXX I noticed my loan balances had substantially increased overnight. Upon closer look, my accrued interest balances had gone up despite my account stating I was at XXXX XXXX interest. Some loans increased by XXXX XXXX overnight. 

After emailing Mohela several times I received no help. On XX/XX/XXXX I called and spoke to a Mohela representative that told me the problem was XXXX XXXX XXXX ( XXXX ) made an adjustment. ). 

On XX/XX/XXXX I submitted a feedback case through XXXX ( # XXXX ) about this issue. I spoke with a Mohela rep who told me they are aware of the problem and are planning to go back in at some unspecified date to remove the interest that has accrued. I received no written confirmation that this would happen except a ticket number to review my balances ( # XXXX ). 


After not hearing anything, I called again XX/XX/XXXX and spoke with another Mohela rep on the phone this day who told me Mohela has nothing to do with this issue and that it ws up to XXXX to go in and remove the interest. I spoke with an XXXX rep on the phone who told me this was impossible for them to do. 

On XX/XX/XXXX I spoke with another Mohela supervisor this same day who said again that it will be Mohela who removes it eventually. She told me to apply my payments only to my principle so that Mohela can remove the interest later, but this is not possible to do.She submitted another ticket to look at my account ( # XXXX ). 

On XX/XX/XXXX I finally received a response from XXXX on feedback case XXXX that simply said my accounts looked fine, I was not accumulating interest and explained to me how interest works. They clearly did not actually review my case. 

I am submitting formal complaints against Mohela for their inability to resolve my issue after XXXX  months as well as XXXX for their lack of a true review of my feedback case. My accounts have accumulated {$19000.00} in interest while being set at XXXX XXXX  interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TrueAccord Corp.
State: MI

Complaint narrative:
XXXX XXXX  account $XXXX  on my credit report  from true accord corporation appears on my credit report since XXXX XXXX which I do not recognize and called the company  XXXX XXXX XXXX and they told me they couldn't tell me if the debt was valid or not unless I paid them a fee and gave them a credit card. I told that was illegal and told them I was going to complain to FTC and they hung up."

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