vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
They are reporting 2X on my report. One time its got two bureaus the other it has one bureau. This is illegal as its the same account. The account isnt mine anyway. Its for {$150.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX TransUnion : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX RE : Unauthorized Inquiry The purpose of my letter is to dispute the following inquiries that are wrong and unauthorized. Please remove them from my Transunion credit report as soon as possible and confirm receipt of this letter. I have never given my permission to report this information on my report, no consent is fraud, which is in clear violation of 12 CFR 1006,34 ( d ) and 15 USC 1681-S29 ( 7 ) ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have reviewed my credit report and I have noticed I am a victim of identity theft and found numerous inquiries and accounts I do not recognize. Here they are : Hard Inquiries I do not recognize : 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 XXXXXX/XX/XXXX Accounts with late payments that I have no knowledge of : XXXX XXXX XXXX 30 days late in XX/XX/XXXX XXXX XXXX  Multiple late payments from XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  Multiple late payments from XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Multiple late payments from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX Multiple late payments from XX/XX/XXXX to XX/XX/XXXX Please remove all of these fraudulent items from my consumer report.

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 2025-04-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I recently applied for a line of credit and was denied due to equifax interference and subsequently submitting inaccurate information to the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX  I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And 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. I Sent a letter asking them to reinvestigate these accounts listed below XXXX I looked at my account on XXXX  XXXX XXXX and noticed some things are incomplete and not accurate. And 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. I Sent a letter asking them to reinvestigate these accounts listed below because XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX date XXXX  shows date opened XX/XX/XXXX and date last active as of XX/XX/XXXX number of terms XXXX last reported XX/XX/XXXX XXXX  date opened XX/XX/XXXX no of terms XXXX payment status collection last reported XX/XX/XXXX paste date active XX/XX/XXXX Equifax Shows date opened as XX/XX/XXXX and the last date of activity on this account XX/XX/XXXX payment status of 120 days late I am asking you to reinvestigate this account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681I7 They also violated 15 USC 168I ( 5 ) Can you look into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : ACCOUNT NAME / ACCOUNT NUMBER XXXX. XXXX / XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIERES 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 XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TransUnion CREDIT REPORTING AGENCY has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don XXXX XXXX XXXX ; t understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

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 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One did not honor their late fee grace period. I was charged a {$27.00} late fee on Saturday, XX/XX/year>. I made a {$56.00} payment on my account on Sunday, XX/XX/year>. The payment posted on my account on Monday, XX/XX/year>. 

I called Capital One on Monday, XX/XX/year>, and spoke with a XXXX. She said that she would submit a request to have the {$27.00} late fee credited back into my account. However, to date ( Sunday, XX/XX/year> ) the late fee was not credited back into my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank has changed my billing address on my account without my consent or knowledge. I discovered this when my expected billing zip code did not work to purchase gas. I contacted Chase customer service, and was assured ( incorrectly ) that they would not arbitrarily change my address. Chase bank corrected my billing address. The next month, Chase Bank changed my address YET AGAIN without any notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 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:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA XXXX ( a ). 

Let me remind you that under FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA XXXX ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA XXXX for damages resulting from your willful or negligent noncompliance. 

Documentation Still Required : Despite my prior request, you have not produced any of the following : XXXX. A copy of the original creditor agreement bearing my signature ( if applicable ) ; XXXX. Records or communications used to verify the accuracy of the disputed information ; XXXX. Documentation outlining your reinvestigation procedure and final findings. 

Without this verification, continued reporting of inaccurate information violates FCRA XXXX ( a ) ( XXXX ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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 non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
Monterey financial bought my account from XXXX XXXX loan.When my was sold the companies coded my account as charge off when payments are coming out my allotment every XXXX weeks. I never been delinquent and was never charged late.I tried many times to communicate with Monterey but had unsuccessful attempts on numerous occasions.When I do communicate customer service is super rude. I am filing a small claims lawsuit because of hard Monterey has caused. I am unable move and get apartment because Charge Off that was coded an error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
These inquires on my TransUnion credit report i didn't authorize and it was attempted to commit fraud XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX  ( Auto ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX  ( Finance ) XX/XX/year> 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 2025-04-20 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was in a JCPenny 's shop buying cloth. When I am at the counter, the staff was saying a promotional program or a store point card, didn't mention it is a credit card. Asked my SSN, annual income and address ( I was having questions but still provided ) then I want to make payment, she said you dont need to, just pay when you get home. Still I thought it is a promotional points card. And now I found out it is a credit card, called their customer service, they clearly know what is going on and had a lot of people fell into this already, it was a hard and confusing process to cancel the card and pay the balance. 

Online there are JCPenny employees disclose how their managers tell them to avoid mentioning it is a credit card, and obviously a lot of people fell for this including me. Please investigate if you can. Maybe XXXX " JCPennys credit card scam reddit ''

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 2025-04-20 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: LEXISNEXIS
State: CT

Complaint narrative:
This is letter that I sent. 
I am writing to formally dispute inquiries listed on my credit report dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, which are recorded as having been made on behalf of the California XXXX XXXX XXXX for XXXX XXXX. The associated contact information for these inquiries is : XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX I did not authorize these inquiries and have no existing or prior relationship with any such agency that would justify an insurance underwriting inquiry. I believe these inquiries may have been made in error or as a result of unauthorized use of my personal information. 

After contacting the XXXX XXXX XXXX at the California XXXXXXXX XXXX XXXX, I was advised that I may be the XXXX of identity theft or misuse of personally identifiable and/or personal health information ( XXXX ). I was also informed of potential remedies, including : Filing a disclaimer of improper appointment Filing a report with the XXXX XXXX for identity theft or unlawful use of XXXX Investigating the possibility of XXXX being used in a business filing without my knowledge or consent Under the Fair Credit Reporting Act ( FCRA ), I respectfully request that these unauthorized inquiries be removed from my credit report. Please investigate this matter and provide me with confirmation that these entries have been deleted or, if not, a detailed explanation as to why. 

Enclosed with this letter are copies of my identification and any supporting documentation you may require for this investigation. I request a written response confirming receipt of this dispute and the actions taken to resolve the matter. 

Please contact me at the phone number or email listed above if additional information is required. 

Thank you for your prompt attention to this matters. 
Sincerely, XXXX XXXX I called the on Friday XX/XX/year> and I was told to send in Id and untity bill and that I may address did not match. I have had number of issues with internet and fraud/impersonalization with calls. I sent email and attempted calling, I need assistance in getting answers and this investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX ( XXXX : XXXX ) from XXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) for {$28000.00} ( {$13000.00} down, {$15000.00} financed via Westlake Financial, ~ {$15000.00} balance ). Im a XXXX veteran with XXXX kids under XXXX, relying on limited income ( {$2800.00} VA XXXX pay, {$3600.00} XXXX XXXX funds monthly ). My wife was 18 days postpartum when I told the dealer, XXXX XXXX, I needed a safe, reliable car for my family. Instead, I was sold a defective vehicle with a salvage history, undisclosed safety recalls, and persistent defects, endangering my family and causing significant harm. 

Westlake Financial failed to conduct due diligence on XXXX before financing the loan, despite XXXX history of deceptive practices ( e.g., XXXX XXXX XXXX reviews on XX/XX/XXXX, calling XXXX a XXXX and cheat ). A VIN check on XX/XX/XXXX, revealed the vans salvage history ( XXXX records, XX/XX/XXXX ), XXXX collisions, and severe front-end damage ( auction images attached ). It also has XXXX safety recalls ( XX/XX/XXXX : airbag XXXX failure ; XX/XX/XXXX : rearview camera failure ; XX/XX/XXXX : side curtain airbag failure ), which XXXX did not disclose, violating XXXX XXXX XXXX. The XXXX has XXXX defects, including missing washer pumps ( confirmed by XXXX XXXX XXXX on XX/XX/XXXX ) and a {$12000.00} engine failure, with XXXX days downtime, making it unfit for safe use. 

These defects endangered my family, such as during a XXXX trip to XXXX on XX/XX/XXXX, risking a breakdown XXXX miles from home. On XX/XX/XXXX, XXXX, I had to ride my motorcycle to school, experiencing pain, because XXXX XXXX XXXX had the van for service and couldnt provide a loaner. XXXX refused a buyback on XX/XX/XXXX ( XXXX XXXX attached ). Ive incurred {$2300.00} in repairs, and the van remains unsafe, causing financial and emotional distress. 

Under the FTC Holder Rule ( XXXX CFR XXXX ), Westlake is liable for XXXX fraud because they financed the transaction without verifying Convilos practices. I request that Westlake cancel the loan ( ~ {$15000.00} balance ) and stop all collection efforts. Ive attached evidence : vehicle history report, auction images, XXXX XXXX, repair invoices ( {$2300.00} ), XXXX texts ( XX/XX/XXXX : no indication of issues, enjoy or sell ), and XXXX XXXX XXXX XXXX XXXX Im also pursuing a small claims action against XXXX ( to be filed XX/XX/XXXX ), a bond claim against XXXX ( by XX/XX/XXXX ), a XXXX complaint against Marathon Warranty ( filed XX/XX/XXXX ), a lemon law claim against XXXX ( escalated by XX/XX/XXXX ), and a CLRA action ( XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: HW Holding, Inc
State: FL

Complaint narrative:
It has come to my knowledge and attention that the improper furnishing of my nonpublic personal information without my consent is a violation of Congresss Privacy Obligation Policy, pursuant to XXXX XXXX XXXX ( a ). 

XXXX and XXXX are consumer reporting agencies that must protect any and all private information about myself, the consumer, which requires written consent or instruction prior to disclosure to other third parties. Their failure to follow these steps is a violation of law pursuant to XXXX XXXX XXXX ( a ) ( XXXX ). XXXX  and XXXX  do not have any instructions from me to furnish this information to third parties, and they certainly do not have my consent to do so. Further, any and all statements to XXXX and XXXX, verbal, written or otherwise, which : ( a ) explicitly affirm consent ; or ( b ) can be construed to imply consent for the furnishing of my nonpublic personal information is hereby REVOKED and REJECTED. I reserve and exercise my continuing right as a consumer to opt out of disclosure pursuant to XXXX XXXX XXXX ( h ) The financial institution in dispute never informed me of my rights involving the privacy of my personal information, nor have they informed me of my right to exercise nondisclosure of such information, pursuant to XXXX XXXX XXXX ( b ) ( XXXX ) ( C ). Not to mention the report itself contains information prohibited by law to be made public without proper authorization. Said report is an adverse item of information, which is not a record of a conviction of crimes antedated by more than XXXX years, and it is without exemption. This is a clear violation of law pursuant to XXXX XXXX XXXX ( a ) ( XXXX ). 

It is expected of all consumer reporting agencies to abide by the compliance procedures and limit the furnishing of consumer reports to the purposes permitted by law and for no other circumstance pursuant to XXXX XXXX XXXX ( a ). Further, it is expected of all financial institutions to fulfill their duty in providing accurate information and refrain from furnishing any information relating to a consumer when they know or have reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 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: EQUIFAX, INC.
State: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This complaint is to request the removal of the fraud alert on my personal credit report.

Company response to consumer: Closed with explanation