vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I paid down my XXXX XXXX credit card to {$18.00} and change. I also paid off a lot of debt lowering my debt to income ratio and my credit score increased. 
XXXX just lowered my credit limit from {$1900.00} to {$100.00} This lowered my overall credit score when I am working in increasing it.

This has affected my score and doesnt make any sense with my balance on their card being so low.

I now have a zero balance and a credit limit of {$100.00} I have been a XXXX XXXX  holder for years and never have been late with 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 explanation
Consumer complaint received 2025-03-31 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: TN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Westlake Services, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Westlake Financial Services regarding inaccurate, conflicting, and misleading information they are reporting to all three major credit bureaus ( XXXX, XXXX, and XXXX ) under multiple account numbers : XXXX, XXXX, and XXXX of Issues : - The same account appears multiple times under different numbers, all with conflicting details regarding payment history, last activity, and closure.- Payment records are incomplete or missing, yet contradictory statements about percentage of payments made are present with no documented proof.- The tradeline is marked Charge Off, Reported as a Loss, and Disputed by Consumer with no explanation or resolution.- Dates of last activity range inconsistently from XXXX to XXXX, which calls into question the validity and legal reporting status of the account.These discrepancies are harming my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have attempted to resolve this directly with both the credit bureaus and Westlake Financial, yet the errors persist.In light of the CFPBs own investigations and enforcement actions against credit reporting agencies and data furnishers, I am requesting that my credit report be cleared of all inaccuracies associated with this account. The continued reporting of conflicting and unverifiable information is deceptive, damaging, and unlawful.Resolution Requested:1. Immediate removal or correction of all inaccurate and duplicate tradelines associated with WESTLAKE FINANCIAL on my credit reports.2. Confirmation that the reported information has been fully verified through original documentation and not assumed or algorithmically generated.3. Assistance from the CFPB to enforce proper compliance and prevent further harm.I trust that the CFPB will take this matter seriously and advocate on behalf of consumers like myself who are being harmed by negligent and unlawful reporting practices.Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-03-31 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: SC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I took the stuff back that I purchase on credit card and they say I still owe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: MN

Complaint narrative:
I reviewed my credit report and found several fraudulent collection accounts that do not belong to me. These accounts were opened without my authorization, negatively impacting my credit score. I have contacted the creditors involved and confirmed that these accounts were opened fraudulently. Additionally, under the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to investigate and verify all reported accounts, yet they have not provided proper verification. I am submitting identity theft reports and supporting documents, including an FTC report, to prove that I did not authorize these accounts. I request immediate action to have them removed and my credit report corrected.

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 2025-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing this complaint against Capital One, XXXX, and XXXX regarding a fraudulent charge-off that has been wrongfully verified multiple times despite repeated disputes. 
The charge-off was reported on XX/XX/year> under account number XXXX. 
I never opened or authorized this account with Capital One. 
My personal information was part of Experians known data breach/glitch, which resulted in this fraudulent account appearing on my credit report. 
I have disputed this four times with XXXX and XXXX, yet they continue to verify the account without conducting a proper investigation.

I previously filed a CFPB complaint, but Capital One failed to properly validate the account. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, Capital One is required to investigate disputes and provide accurate validation of the debt. 
Capital One has failed to provide any documentation proving this account is mine. Instead, they continue reporting incorrect information. 
I have submitted an FTC Identity Theft Report twice, proving that this account was fraudulently opened. Capital One has ignored this evidence. 

Experians & TransUnions Violations : Both XXXX and XXXX have wrongfully verified a fraudulent account four times, violating FCRA 15 U.S.C. 1681i, which requires credit bureaus to conduct a reasonable investigation. 
XXXX was previously involved in a data breach and system glitch, which is likely how this fraudulent account appeared on my report. 
I demand both bureaus provide documentation of how they verified this account and prove they conducted a legitimate investigation. 
XXXX and XXXX are violating my consumer rights by failing to properly investigate my disputes. I sent a dispute to XXXX and XXXX four times. Each time, they verified the account without providing evidence. 
I filed a previous CFPB complaint, and Capital One still failed to properly investigate. 
I submitted an FTC Identity Theft Report twice, and Capital One ignored it. 
The charge-off is harming my credit, preventing me from accessing essential financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was contacted by email by a photography who claims to have found my contact info from the IMDB actors website because I'm an actor they they offered me {$2900.00} sent me a check for booking me. They also sent me a contract for the shoot which I can provide. 1 day later they claimed that they need more time to set up the shoot so they ask me to XXXX  them {$1900.00} and then they ask to XXXX them {$950.00}. I called my bank citibank and they said the {$2900.00} check cleared and they can't void it. this lead me to have the confidence to XXXX  them the money back. 2 days later the check was voided and this lead them to take my money a total of {$2900.00} they also sent another check of {$2500.00} that they also voided 2 days later after they ask me ro wire them a total of {$2000.00} to name - XXXX XXXXXXXX XXXX XXXX XXXX account number XXXX routing number XXXX and i declined. the XXXX phone numbers they used are no longer active and they haven't responded to my emails of me asking why are the checks voided. This is clearly a scam i was robbed of {$2900.00} citibank is looking into it. all communication was done by email. I have all documents, checks, and entire email transcript to back my claim. also the XXXX receipts. they basically sent me blank checks this photography seems to have a website XXXX and these are the XXXX accounts they used with the phone numbers XXXX XXXX XXXX phone XXXX {$1900.00} and XXXX XXXX XXXX XXXX {$950.00} I need my money back {$2900.00} and these people belong in prison. Also citibank gave me the wrong information and told me over the phone the {$2900.00} check could not bounced or be voided which gave me the confidence to send the XXXX  payments. A total of {$2900.00} was stolen from be an online scammer.

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 2025-03-31 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: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXXXXXX XXXX XXXXXXXX, has violated my rights.

According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it. 
According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be 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 2025-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have had a health savings account at HSA Bank, located in XXXX, WI, for a number of years. In the last year or so, their website and other services have become unreliable, so on XX/XX/year>, I filed a form with XXXX XXXX to transfer my account from HSA Bank to XXXX. The XXXX XXXX told me on the telephone that HSA Bank was difficult to deal with and that the transfer, which HSA Bank insists on doing by issuing a paper check, would likely be delayed by HSA Bank. Last week, when both the HSA Bank website and the XXXX website were still showing my transfer request as " pending '' action by HSA Bank, I called HSA Bank. Their representative, after a long delay, told me that the bank had already closed for the day, but the check would be issued the next day. When I checked both websites and both still showed the transfer as " pending '' action by HSA Bank. I just got off the phone with HSA Bank again, They confirmed that my funds had not been transferred and said that their " bank office '' could not figure out why. I asked to speak to a supervisor or someone who could answer my question and was told that someone would have to call me back. No one has called and it seems clear that this business is deliberately delaying the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I hope this message finds you well. Im reaching out because Ive noticed some incorrect information on my credit report, and I need to get this straightened out immediately. There are accounts that I did not authorize, and it does not belong on my credit report. This is clearly an error, and I expect you to take prompt action to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-31 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-31 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: MI

Complaint narrative:
I am filing a formal complaint against Experian for failing to maintain accurate, fair, and verifiable information on my credit report. I submitted a detailed dispute regarding several inaccurate and unverifiable negative entries. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Experian is required to conduct a reasonable investigation and remove any unverifiable or inaccurate information within 30 days.

In addition to these violations, Experian has a documented history of misleading practices. Specifically, on XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) fined Experian {$3.00} XXXX for misleading consumers by marketing credit scores that were not used by lenders. This prior enforcement action is evidence of XXXX pattern of misrepresentation and failure to ensure accurate reporting. 

I am requesting the CFPB to investigate Experian for : Failure to properly investigate disputed accounts Continued reporting of negative items without sufficient verification Violation of FCRA 1681i ( a ) ( 1 ) ( A ) and 1681e ( b ) Prior deceptive practices confirmed by CFPB enforcement These inaccurate entries are negatively impacting my creditworthiness and financial well-being. I request your assistance in holding Experian accountable and ensuring compliance with federal consumer protection laws. 

Accounts Disputed : 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 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

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