vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I paid off my loan for a XXXX XXXX. However, I never received the XXXX release or title and only received a letter about XXXX release recently after I requested these documents to be resent. When I called the XXXX, the XXXX representative informed me on the phone that since my title is an electronic title ( XXXX ), Westlake Financial ( Westlake ) was supposed to send the XXXX XXXX electronically to the XXXX, and that the letter I received from Westlake is only for my record and does not substitute the direct notification of XXXX XXXX necessary for me to obtain my title. The XXXX also confirmed that the XXXX has not been released. 

I was on the phone with Westlake on multiple occasions ( XX/XX/year> and XX/XX/year> ), and have received pushback on this. In particular, when I requested multiple times for the direct XXXX XXXX to the XXXX, I was told : XXXX. By XXXX representative that Westlake sent the title to me on XX/XX/XXXX. ( Call on XX/XX/year> ) XXXX. By her supervisor that Westlake never had the title because it was a new car ( I did pay it off before the first payment was due ). This supervisor also mentioned that the dealership has the title. ( The dealership when I called said they did not have my title ) XXXX. Someone from Westlake then in a different phone call insisted they sent the XXXX XXXX to me. and when I informed them of the XXXX instructions followed by my request for them to send it to the XXXX and not me, they told me XXXX more time they resent the XXXX XXXX to me, then hung up the phone. 

XXXX. I spoke to the supervisor on this next call- I think it was XXXX that I spoke to. She said she Westlake has no way of sending the XXXX  release electronically and directly to the XXXX. Then, after more conversations, she mentioned actually the only way for Westlake to send the XXXX release to the XXXX is for the XXXX to call Westlake to request it, since Westlake can only send XXXX release to account holders in their system. She mentioned all her customers bring the XXXX release letter that they send out to the XXXX and they all can get their title, which the XXXX representative inform me was not the case with my title since it is and electronic title ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
During years XXXX there has been serval incidents where the company known as Zelle as caused funds to be sent to incorrect accounts. Causing issues such as college financial holds, violations of XXXX XXXX, and fraud alerts which have caused accounts with financial institutions to be closed down. Many payments such as XXXX payment for XXXX XXXX dollar payment for XXXX and XXXX XXXXXXXX dollars leaving my account via fraud has caused me to reach out today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.

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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPDs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am reaching out regarding a significant credit issue that I have been unable to resolve despite extensive efforts. This situation has negatively impacted my financial standing and livelihood, and I urgently need assistance. 



I have made consistent on-time mortgage payments for over 10 years through my banks bill pay system. Unfortunately, due to changes in mortgage servicing companies and billing systems, my payments have not been properly credited, resulting in incorrect late payment reports on my credit file. Below is a summary of the issue : XXXX. Consistent Payments : I have always made my payments on time via online bill pay. 

XXXX. Mortgage XXXX Transfers : Over the years, my mortgage has been sold and transferred between multiple servicers. Payments were sent to the previous servicer, and then forwarded to the current servicer, causing delays. 

XXXX. XXXX XXXX XXXXXXXX : My bank, XXXX XXXX, informed me they recently updated their bill pay system, which may have compounded the issue. 

XXXX. Documentation Submitted : I have provided a complete XXXX XXXX to Chase Mortgage, including proof of payment and correspondence detailing the issue. Despite this, the problem persists. 

XXXX Credit Damage : My XXXX XXXX, previously in the upper XXXX to low XXXX, has plummeted to the XXXX, significantly impacting my ability to conduct business and secure financial resources. 



I am a licensed XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX My professional reputation and ability to sustain my livelihood depend on my creditworthiness, and this erroneous reporting has caused undue hardship. I have contacted the Federal Trade Commission, XXXX, XXXX, and XXXX, but I have not received a resolution. Additionally, I have spoken with multiple representatives at Chase Mortgage, but no corrective action has been taken. 



I am respectfully requesting immediate intervention to : Investigate this matter thoroughly. 

Correct any inaccuracies on my credit report. 

Ensure my payment history reflects my consistent, on-time payments. 



Please let me know if additional documentation or information is required to resolve this matter. I am prepared to provide any necessary details promptly. 



Thank you for your time and assistance. This issue is deeply affecting my financial stability and professional obligations, and I hope for a swift resolution. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: MI

Complaint narrative:
Upon reviewing my report, I noticed inquiries from different creditors which I did not authorize. I am concerned they may be linked to identity theft or fraudulent activity. I kindly request that you investigate these inquiries and remove them from my credit report if they can not be verified as authorized. I have attached my letter to the Bureaus and still these inquiries were still reported to my current 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 non-monetary relief
Consumer complaint received 2025-01-15 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: NJ

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Despite providing ample evidence, Experian reported these items as accurate with no proper investigation. I have attached the disputes where I was denied, and the items were marked as verified without explanation. 

Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Experian 's failure to comply with this process violates my consumer rights, as they neither corrected nor removed the disputed accounts. This inaction continues to harm my credit standing. 

The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. 

This ongoing non-compliance violates 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies ensure the maximum possible accuracy of the information they report. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's failure to act is in direct violation of federal law and my rights as a consumer.

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 2025-01-15 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: FL

Complaint narrative:
I want all late payments, missed payments, charge off removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate the Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 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: GA

Complaint narrative:
The account reported is inaccurate, it is not my account.

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 2025-01-15 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: NV

Complaint narrative:
Report this account directly to my creditor as identity theft. I also have an FTC report where my information was compromised through the data breach. I am asking you to fix this error by removing it from my credit report FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
After reviewing my Early Warning Systems and I noticed accounts that were not familiar to me. I sent a validation letter to XXXX and have yet to receive any information that justifies the reporting of the account on my Early Warning report. Please find a list of accounts below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The Consumer Financial Protection Bureau ( Bureau ) brings this action against Experian Information Solutions , Inc. ( Experian or the Company ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 
SHAM INVESTIGATIONS As a Federally protected consumer I have personally been a victim of these furnishers of information companies they call Credit reporting agencies EXPERIAN, XXXX, AND XXXX sham investigations. Between XX/XX/XXXX through XX/XX/XXXX I have filed 4 complaints via the CFPB portal about these CRAs reporting inaccurate, Incorrect information that I do not want reporting on my Credit Report. These complaints was back with documentation proving that the information the CRAs were reporting was inaccurate, incomplete and that they are reporting improperly. In return I received an automated response via the Automated Credit Dispute Verification ( ACDV ) and the e-OSCAR system. Each time these so called investigations came back as verified without any proof of the investigations pursuant to the laws of the FCRA on investigations. These CRAs are public traded companies that are selling and bartering their consumers information without their consent in return for these data furnisher companies to report any and everything on a consumers report, which is identity theft, extortion, and fraud. the CRAs have assumed a vital role effecting my credit worthiness, credit Standing, credit capacity, general reputation, personal characteristics, and Mode of living as I have not been able to be granted credit for personal, family, and house hole use. I am also getting notifications from the CRAs about my information being apart of data breaches which is effecting my credit report while still reporting negative accounts on my consumer report. Per FCRA 605B this needs to be addressed within 4 business days. My credit Report is a big mess and needs to be cleaned up ASAP. 

I give my full consent to the CFPB to use this complaint as evidence of these Sham investigations by CRAs in current lawsuit against Experian. This lawsuit will be used as case law to bring my own federal case against these CRAs

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 2025-01-15 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: CA

Complaint narrative:
On XX/XX/year> I filed a dispute to remove several incorrect tradelines with Experian. Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to credit standing. I am requesting immediate corrective action to remove the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.

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 2025-01-15 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:
On XX/XX/year> I filed a dispute to remove several incorrect tradelines with XXXX. XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to credit standing. I am requesting immediate corrective action to remove the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

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 2025-01-15 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: CA

Complaint narrative:
On XX/XX/year> I filed a dispute to remove several incorrect tradelines with XXXX. XXXX has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate information or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to credit standing. I am requesting immediate corrective action to remove the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX Inquiry 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 2025-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly considering the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPBs findings indicate that Zelle has neglected to protect consumers and has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation