vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 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: CO

Complaint narrative:
I have submitted all necessary documents and proof outlining that I was a victim of fraud. Experian and equifax keep reinstating XXXX XXXX XXXX XXXX back to my credit report when I sent over police report, TC report, proof from XXXX saying the dealership committing fraud in a consumer complaint because the vehicle was overseas prior to this loan in my XXXX and the dealership owner response saying he has no record to me buying a car there yet they got funded under my name! XXXX fraud is happening and these bureaus did not even review my evidence before adding it back or notifying me Almost XXXX times!

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc.
State: CO

Complaint narrative:
Sterling reported to my potential employer that I am a XXXX XXXX  in Nevada and Oregon. This is absolutely untrue. My wife and I checked the state lists of Oregon and Nevada ; there's no XXXX XXXX XXXX on either of them. Furthermore, I haven't set foot in Oregon in 17 years, and I haven't been to Nevada in over 13 years. Sterling may well cost me a job due to its incompetence. This is WHOLLY UNACCEPTABLE. I am a XXXX military XXXX with a XXXX in XXXX XXXX. I need this fixed ASAP. PLEASE HELP!!

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 2025-06-02 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: VA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX - {$830.00} INQUIRIES : XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Logged in today- all credit cards closed without any notice. Customer support is useless. I have been a customer with Chase for almost 20 years. My XXXX XXXX is excellent. They couldnt even take a moment to contact me first?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: AZ

Complaint narrative:
Subject : Complaint Regarding Failure to Properly Investigate Collection Account Violation of FCRA To Whom It May Concern, I am filing this formal complaint against [ insert credit bureau name ( s ) and/or collection agency name ] for failure to properly investigate and respond to a dispute I submitted concerning an inaccurate collection account on my credit report. This failure constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and related provisions. 

On XX/XX/year>, I submitted a written dispute regarding a collection account reported by [ insert collection agency name ]. I included documentation demonstrating the inaccuracy of the information and requested a thorough reinvestigation, as is my right under 15 U.S.C. 1681i.

The FCRA requires that : A consumer reporting agency must, within 30 days, complete a reasonable reinvestigation of any disputed item ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

If the disputed information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted or corrected ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

The consumer must be notified of the results of the investigation within 5 business days after the completion of the reinvestigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ). 

Despite these legal requirements, no adequate investigation appears to have been conducted within the mandated timeframe, and the collection account remains on my credit report without justification or verification. 

Creditor Acc Amount XXXX  XXXX {$450.00} XXXX  XXXX {$470.00} XXXX  XXXX {$540.00} XXXX {$620.00} XXXX XXXX XXXX {$640.00XXXX XXXX XXXX  XXXX {$570.00} XXXX XXXX XXXXXXXX {$460.00} I am requesting the CFPBs assistance in holding the involved party accountable for this failure and ensuring that the disputed entry is either verified through a lawful investigation or promptly removed in accordance with federal law.

Enclosed/attached you will find : A copy of my original dispute letter Any supporting documentation I provided Proof of delivery ( if available ) A current copy of my credit report showing the disputed account Thank you for your attention to this matter. I look forward to your prompt response and resolution.

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 2025-06-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-06-02 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting a complaint regarding XXXX charges made to my Chase Freedom XXXX XXXX XXXX XXXX for services that were not delivered. These charges total {$19000.00} and were for rent payments to a commercial property operator for short-term rental units I leased through my LLC. The landlord wanted me to sign an XXXX to ensure I dont mention the lack of service to anyone, I refused the NDA XXXX 

The specific charges are : {$6300.00} on XX/XX/XXXX {$4500.00} on XX/XX/XXXX {$9000.00} on XX/XX/XXXX These payments were made for rental units that were later confirmed by a licensed inspector to be XXXX with XXXX XXXX rendering them XXXX, XXXX, and in violation of Florida landlord-tenant laws ( specifically XXXX and XXXX ). After receiving the inspection report and consulting legal counsel, I legally terminated the leases and vacated the property in XX/XX/XXXX. The landlord acknowledged the lease terminations and I was released from all units. 

I attempted to file a dispute with Chase based on services not rendered / non-performance of contract, but was denied due to the age of the transactions. This decision fails to consider that the services I paid for safe, livable commercial rental property were never provided, and I have formal documentation of this breach. 

These are not simple billing errors they are the result of documented XXXX and legal violations. I am a consumer who relied on my Chase card in good faith for business operations and I am now suffering financial XXXX. 

I can provide the XXXX inspection report, lease termination documents and communication, photos and complaints, any emails with the landlord showing non-cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX in the amount of {$1800.00}, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$14000.00}, and a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$31000.00}. 

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 on page XXXX in the copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. Further these accounts are now considered in litigation. 

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 # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: TX

Complaint narrative:
This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX in the amount of {$1800.00}, an auto loan account opened at WESTLAKE SERVICE INC on XX/XX/XXXX in the amount of {$14000.00}, and a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$31000.00}. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question on page XXXX in the copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. Further these accounts are now considered in litigation. 

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 # XXXX as proof from the US 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 2025-06-02 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: CA

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report.

Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
unlicensed collection agency This letter serves as formal notice regarding this companys LVNV Funding LLC. Unlawful and abusive debt collection practices. 
I have never authorized your agency to report inaccurate or unverifiable information to any credit reporting bureau. By doing so, this company is in violation of the Fair Debt Collection Practices Act ( FDCPA ), Regulation F, which prohibits false, deceptive, or misleading representations in connection with the collection of any debt. 
Furthermore, upon investigation, I have found no evidence that your company is properly licensed or authorized to conduct debt collection activities in the state of Florida, which constitutes a violation of both state and federal consumer protection laws. Operating without the appropriate license renders your collection efforts illegal and unenforceable. 
Therefore, I am demanding the following : Immediate cessation of all collection activities related to the alleged account. 


Permanent removal of any and all accounts reported by your agency from all consumer credit reporting bureaus ( XXXX XXXX XXXX XXXX XXXX. 


No further communication or data sharing with any third parties, including affiliated companies or data brokers, regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint to dispute inaccurate and legally improper credit reporting by Regional Acceptance Corporation. This supplements my prior CFPB complaint ( Ref # XXXX ), which remains unresolved. 

On XX/XX/XXXXXXXX I signed a retail installment contract that included a {$600.00} down payment toward the purchase of a vehicle. Regional Acceptances payment ledger fails to apply this amount, inflating the charge-off balance. This violates FCRA 623 ( a ) ( 1 ) ( A ), which requires accurate and complete credit reporting. 

Regional issued a 1099-C in XX/XX/XXXX for the full unpaid balance ( {$6900.00} ), treating the debt as canceled for IRS purposes XXXX However, they continue reporting the account monthly as charged-off, despite acknowledging that no further collection would occur. This dual reporting canceled and charged-off is legally inconsistent and violates IRS Publication 4681 and the Fair Credit Reporting Act. 

Despite being provided with the 1099-C, signed contract, payment history, and prior CFPB findings, no corrective action was taken. Their continued reporting is incomplete, misleading, and harmful to my credit profile. 

I am requesting immediate deletion of this tradeline from XXXX XXXX XXXX XXXX I have attached supporting documents, including : Signed retail contract showing the {$600.00} down payment Regionals internal ledger omitting the payment IRS 1099-C ( issued XX/XX/XXXX ) Regionals XX/XX/XXXXXXXX  response My original CFPB complaint Recent XXXX  report showing ongoing derogatory status I urge the CFPB to enforce compliance with FCRA and IRS regulations and ensure this account is permanently removed from all credit reports.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westcreek Financial
State: TX

Complaint narrative:
I am filing this complaint against Westlake Portfolio regarding an inaccurate and damaging repossession account being reported on my credit file. I have submitted formal disputes with the credit bureaus, yet this company has failed to provide documentation validating the account or remove the reporting. 

This account is listed with incorrect balance and status, and violates FCRA 623 responsibilities for furnishers to only report accurate and verifiable data. I am demanding full deletion of this account or immediate proof of contractual obligation and repossession records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US 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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Professionals, Inc.
State: TX

Complaint narrative:
XXXX XXXX ( Collection ) I am filing this complaint against XXXX XXXX for reporting an inaccurate collection account. No documentation of the debt has been provided, and no validation letter has been received, which is a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: LA

Complaint narrative:
My account my hacked into on the XXXX of of XXXX and XXXX was stolen from me I was able to log that device out and add Face ID to my account to prevent it from happening XXXX On XX/XX/XXXX my account was hacked into XXXX and XXXX was stolen out my account and then my account was shut down I have spoken with cash app and no one is able to tell me how they allowed this to happen even with Face ID and security passcodes I do have photos from the first time I was hacked but the second time I was logged out of the account because whoever did it was able to disconnect my phone number from the cashapp and close the account entirely before I was able to do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX GA XXXX XXXX delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief