vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I exercised my right to rescind a loan with Wilshire Commercial Capital under the Truth in Lending Act ( 15 U.S.C. 1635 ). The account was in good standing with no missed or late payments at the time of rescission. Wilshire never provided the required disclosures about rescission rights, opt-out of non-public personal information sharing, or proper Truth in Lending Act notices. 

I mailed multiple certified rescission and dispute letters beginning in XXXX. All were delivered and accepted by Wilshire or its agents, as confirmed by certified mail records, until I formally asserted their violations and demanded monetary compensation. At that point, Wilshire stopped accepting correspondence. XXXX final letter was returned to me unopened, and I later received a notice from a servicer claiming they no longer handle Wilshire accounts.

Wilshire never responded to any rescission notices, never validated the debt as required under the FDCPA, and continues to allow negative tradeline information to appear on my credit reports. Their silence and rejection of correspondence after I identified violations and damages shows deliberate avoidance of accountability.

Wilshires actions and omissions violate multiple federal statutes : TILA : Failure to provide rescission disclosures and failure to act within 20 days of my notice.

FCRA : Continuing to furnish inaccurate, unverifiable, and disputed credit information. 

FDCPA : Refusal to validate the debt after written dispute. 

GLBA : No disclosure or opt-out notice regarding sharing of my non-public personal information. 

Estoppel : Pattern of silence, delay, and refusal to engage once violations were raised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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:
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 Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 605C 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 victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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, 15 U.S Code 1681b - 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 explanation
Consumer complaint received 2025-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 XXXX ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: WI

Complaint narrative:
Thus credit card company has constantly called me daily, several times and have been sending letters to my address. They closed the account without my approval. I haven't been employed for about a year and some months now. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Everytime I receive any correspondence from them is a trigger to my XXXX. I've explained that I'm XXXX and it seems as if that was ignored. If I don't have anything, how am I going to pay anything. I'm in a huge financial hardship and hoping that I have a place to lay my head. I'm completely XXXX at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I have had several recent disputes, where I have supplied more then enough information via XXXX XXXX XXXX XXXX in addition to mailing individual letters to their offices. 


XXXX XXXX XXXX XXXX Issue : counterfeit XXXX item Dispute # : XXXX Date : XXXX, XXXX, XXXX Amount : {$290.00} - Complained via chat representative, opened dispute and provided scenario, dates, pictures and amounts. 
- Mailed Letter XX/XX/XXXX with detailed description and pictures to Goldman Sachs Bank address ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ). 
- Dispute declined via reversal, after supplying ALL information they sent a non-descriptive e-mail asking for " Any Additional Information '' which I replied too with everything once again. 


XXXX XXXX Issue : 4 various disputed transactions due to lack of refund that hotel agreed too along with false advertising, no a/c, etc. ( ample details provided in letter attached ) Disputes # : XXXX ( duplicate charge ), XXXX ( hotel issue ), XXXX ( hotel issue ), XXXX ( hotel issue ). 
Dates ( s ) : XX/XX/XXXX - XX/XX/XXXX Amount : see individual disputes to calculate - Complained via chat representative, opened dispute and provided scenario, dates, pictures and amounts. 
- Mailed Letter XX/XX/XXXX with detailed description and pictures to Goldman Sachs Bank address ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ). 
- Dispute declined via reversal, after supplying ALL information they sent a non-descriptive e-mail asking for " Any Additional Information '' which I replied too with everything once again. 


XXXX Issue : Returned item, which tracking verified, was never refunded. 
Date : XX/XX/XXXX Amount : {$280.00} Dispute : XXXX - Complained via chat representative, opened dispute and provided scenario, dates, pictures and amounts. 
- Mailed Letter XX/XX/XXXX with detailed description and pictures to Goldman Sachs Bank address ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ). 
- Dispute declined via reversal, after supplying ALL information they sent a non-descriptive e-mail asking for " Any Additional Information '' which I replied too with everything once again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXX ohio ] [ XXXX ] [ XX/XX/XXXX ] Date : [ XX/XX/XXXX ] Transunion XXXX. XXXX XXXX XXXX PA XXXX Subject : Request to Block Fraudulent Accounts Under FCRA 15 U.S.C. 1681c-2 Engagement Code : XXXX To Whom It May Concern, I am writing to formally dispute and request the immediate blocking of several fraudulent accounts that appear on my Transunion credit report. XXXX has informed me of a data breach involving the exposure of my personal information, and I have been provided with an Engagement Code XXXX verifying this incident. 

The fraudulent accounts are as follows : XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX These accounts were not opened by me and are the result of identity theft. Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, I am demanding that Transunion block and remove these accounts from my credit file. Under the FCRA, Transunion is required to block this information no later than four ( 4 ) business days after receiving my request and supporting documentation. 

Enclosed are the following documents to verify my identity and support this request : A copy of my government-issued identification ( drivers license or state ID ). 

Proof of my current address ( utility bill or bank statement ). 

A copy of my FTC Identity Theft Report [ or police report, if applicable ]. 

A copy of the notice containing my Engagement Code XXXX provided by XXXX regarding the data breach. 

Please confirm in writing once these fraudulent accounts have been permanently removed from my Transunion credit file and ensure that no further reporting of these accounts occurs. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I noticed that my credit report is reporting closed accounts, including collections and charge-offs, in a way that appears inaccurate and misleading. These accounts are no longer active, yet the information is being reported in a manner that makes it seem as if they are open or currently delinquent. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), the credit reporting agencies and data furnishers are required to ensure maximum possible accuracy. The way these closed accounts are being reported misrepresents my true credit history and creates ongoing harm by lowering my credit score and limiting my access to fair credit.

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 2025-09-21 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: NC

Complaint narrative:
The consumer reporting agencies and financial institutions EQUIFAX , INC., Experian Information Solutions , Inc., and TRANSUNION INTERMEDIATE HOLDINGS, INC., are all guilty and in violation of aggravated identity theft for knowingly transferring, possessing, and using, without lawful authority, my non public personal means of identification. This is a violation of my privacy, the Fair Credit Reporting Act, and the Gramm-Leach-Bliley Act. All consumer reporting agencies named above, also, while obtaining my non public personal customer information by false pretenses and without my consent, went on to violate the Privacy Act of 1974 by disclosing my non public records contained in their system of records to other persons, agencies, and/or third parties without my written request or written consent. 
SEE ALL ATTACHMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Issue : Chase Offer Cashback Denied Despite Valid Purchase Date Description : On XX/XX/2025, I placed an order for {$620.00} through Chase XXXX with my Chase Sapphire Reserve card ( ending in XXXX ). The Chase Offer was {$180.00} back on $ XXXX at XXXX , valid through XX/XX/2025. 

My order confirmation clearly shows XX/XX/2025, which was within the offer period. At checkout, the website indicated that the item would ship within 3 business days. However, the order was not shipped until nearly three weeks later, which caused the transaction to post on XX/XX/XXXX, XXXX the offer expiration. Chase then denied the {$180.00} credit, citing the posting date as beyond expiration. 

I escalated this matter internally, and explained the situation. Despite this, I only received a template denial letter without proper review, which shows that Chases internal escalation process was ineffective. 

It also appears that transactions made close to the offer expiration date are sometimes delayed in posting until after expiration, effectively invalidating valid purchases. If this is a recurring practice, it could be considered misleading to customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
XX/XX/year> I got scammed by a company named XXXX XXXX for the amount of {$390.00}. The rep that handled the situation is named XXXX XXXX. This scam of a company claimed to be XXXX XXXX I was dealing with dealing and XXXX XXXX children who were not able to travel that day. I called what I thought was XXXX XXXX asking for my options on not losing the tickets. They claim if I pay the amount I would be reimbursed for the tickets minus the {$390.00}. The call became suspicious and once I questioned it they hung up on me. I since then found the correct info for XXXX XXXX  and they mentioned they dont operate in that way and would never charge a fee for a canceled flight. I used my American Express card which I filed a claim with and also led me to file a complaint for the refund of the scam for their were no services rendered and I was tricked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-09-21 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: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove 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 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
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The creditor and/or credit bureaus are reporting late payments on my account that are inaccurate and not consistent with my actual payment history. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information they report. In this case, the late payment entries being reported are either inaccurate, unverifiable, or outdated. These errors harm my creditworthiness and do not reflect the true status of my account. 

Additionally, the data furnisher is required under Metro-2 reporting standards to report complete and accurate information. The current reporting of these alleged late payments fails to meet that standard because it misrepresents the timeliness of my payments and causes misleading negative information to appear in my file.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO.
State: NM

Complaint narrative:
Unauthorized use of Trademarked property XXXX XXXX XXXX breached my data that they never had permission to have in first place and breach is just admission of theft and authorized use. Per settlement I want XXXX to give me full restoration services and correct my credit to that of a fair and equitable score so that I can actually get approved for car or house. Due to CPFB not enforcing rules and regulations SEE 18 USC 8. Public law 73-10/HJR 192. 

Any amount due or to become due shall be paid by XXXXXXXX XXXX XXXXXXXX XXXX In XXXX established for settlement of debts and is obligated party designated to due so. 

Proper presentment will yield proper payment so why am I receiving bad credit when in fact its United States and CPFB IS Negligent party as CPFB known all debts are obligations of Untied states and is aware of ongoing injury to all Americans that are being extorted to pay debts that are not theirs?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: NM

Complaint narrative:
Unauthorized use of Trademarked property XXXX XXXX Experian breached my data that they never had permission to have in first place and breach is just admission of theft and authorized use. Per settlement I want experian to give me full restoration services and correct my credit to that of a fair and equitable score so that I can actually get approved for car or house. Due to CPFB not enforcing rules and regulations SEE 18 USC 8. Public law XXXX XXXX. 

Any amount due or to become due shall be paid by XXXXXXXX XXXX XXXXXXXX XXXX In XXXX established for settlement of debts and is obligated party designated to due so. 

Proper presentment will yield proper payment so why am I receiving bad credit when in fact its United States and CPFB IS Negligent party as CPFB known all debts are obligations of Untied states and is aware of ongoing injury to all Americans that are being extorted to pay debts that are not theirs?

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Upon reviewing my credit report, I noticed a collection account from Jefferson Capital Systems that I believe is inaccurate. This company is stating that an account was opened with cellular service provider XXXX XXXX on XX/XX/year> and amount of {$1800.00} is owed on said account. I have proof that I have only ever been a XXXX account holder as they were the only provider that had good service where I grew up and lived for most of my life. I am still with them today. I requested verification via certified letter from Jefferson Capital Systems just over 30 days ago and they were unable to provide sufficient evidence. That letter will be attached below. 

I am requesting a full investigation and verification of this account and will also be filing a complaint with the FTC for fraud. If the creditor is unable to provide sufficient evidence, I am asking that the record be updated to reflect accurate reporting.

Company response to consumer: Closed with explanation