vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Hello, I need all the internal notes and contributing factors for the final decision on the closed disputes, including the Merchant codes, card member agreement references, and relevant materials for the outcome of the investment transactions that were reversed. 
Please make note of why the transactions are or are not prohibited per the card memebr agreement. 

with 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am submitting this dispute to address discrepancies found on my credit report across the XXXX major credit bureaus : XXXX  ( XXXX ), Experian ( EX ), and XXXX  ( XXXX ). Below is a breakdown of the disputed items for each bureau, including charged off accounts, inquiries, late payments, and positive accounts. 
Charged Off Accounts : XXXX  XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$450.00} XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$510.00} XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1600.00} XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$1000.00} XXXX Account Number : XXXX, Date : XX/XX/XXXX, Balance : {$13000.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX MI, Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX, Account Number : XXXX XXXX, Account Number : 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 2025-11-21 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing the following accounts that are reported as charged off and inquiries in my credit file. These accounts contain inaccuracies or incomplete information that need to be corrected. 

Charged Off Accounts 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 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV Funding is reporting a collection account without providing required validation. The reporting is inaccurate and violates the FCRA and FDCPA.

I dispute the collection account being reported by LVNV Funding LLC, account ending XXXX, balance {$11000.00}. 

LVNV is reporting to Experian, TransUnion, and Equifax, yet I have never received a validation notice, as required under FDCPA 809 ( a ).

No documentation proving ownership of the debt, assignment, transfer, or validity has ever been sent to me.

LVNV also routinely re-ages accounts and reports incorrect dates to extend the life of the collection, which may violate FCRA 623 ( a ) ( 5 ).

Under FDCPA 809 ( b ), a debt collector must cease collection activityincluding credit reportinguntil validation is provided.

LVNV has ignored this requirement and continues reporting the account monthly.

Under FCRA 623, a furnisher can not continue reporting information that can not be fully verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am submitting an update regarding continued mishandling of my Regulation E claim by Bank of America. 

After contacting the bank again, I was incorrectly told that because my claim was reopened for reconsideration, the bank resets the investigation to XXXX  days and does not have to issue a provisional credit. This is inaccurate and contradicts Regulation E. 

My claim was also denied without a proper investigation, and during the active reconsideration the bank removed funds from my account, causing additional financial harm. 

I attempted to escalate to a supervisor, but the representative refused and provided inconsistent and incorrect information regarding their Reg E obligations. 

I am requesting that the CFPB review the banks delays, misinformation, and failure to provide the required provisional credit. I am also requesting that my funds be restored immediately while the investigation continues, as required by law.

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 monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Have been called all hours of the day and night even after being asked to limit calls during normal business hours I have had to ultimately block over XXXX different phone numbers to receive a little peace and quiet during night hours

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I am filing this complaint because Westlake Financial has repeatedly refused to provide the documentation and information I need in order to comply with state law and complete a required vehicle transfer. 

XXXX XXXX XXXX, the authorized tag and title agency in Pennsylvania, has been requesting my vehicle title from Westlake for more than XXXX weeks with no response. I have also contacted Westlake directly several times requesting the same information and documentation, and I receive either no answer or inconsistent, unclear responses.

I am legally required by the State of Pennsylvania to transfer and register my vehicle, but I can not comply with the law because Westlake refuses to release the title or provide the proper instructions. There is no clear or direct channel to request the title, no published instructions, and it is almost impossible to speak with a real representative. When you do get through, the customer service is unhelpful and unable to provide any meaningful assistance.

Westlakes lack of transparency, refusal to cooperate, and failure to communicate are preventing me from meeting my legal obligations and are causing serious delays and unnecessary stress.

I am requesting CFPB intervention to compel Westlake Financial to release the title, provide the required documentation, and establish a clear communication channel so I can complete the state-mandated vehicle transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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 am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that TransUnion, Experian, and Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii )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 non-monetary relief
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that Experian failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-11-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under XXXX tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
In late XX/XX/XXXX, PennyMac began foreclosure activity on my FHA mortgage, even though I was in a deferment plan and had made all required payments on time. On XX/XX/XXXX, foreclosure title costs were added to my account. I was later told by PennyMac that foreclosure actions would be paused because I was being reviewed for a loan modification. 

However, on XX/XX/XXXX, multiple new foreclosure-related charges were added to my account, including statutory mailing fees of {$27.00}, {$2.00}, {$1.00}, and {$17.00}, as well as foreclosure attorney fees of {$1400.00}. These charges appeared after PennyMac stated foreclosure should be on hold.

I called PennyMac and requested confirmation that all foreclosure activity was paused and asked whether a stop order had been sent to the foreclosure attorney. I also requested written confirmation and asked whether any foreclosure sale date had been scheduled. I was not provided with clear answers or written confirmation, and the charges remain on my account. 

I am actively cooperating with the modification process and was told that a trial plan is supposed to begin on XX/XX/XXXX. Despite this, foreclosure actions and fees are continuing during an active loan modification review. This appears to be dual tracking, which is not allowed under federal mortgage servicing rules. 

I am requesting CFPB assistance to stop foreclosure activity, ensure all charges added during the review are investigated or removed, and require PennyMac to provide clear written information about the status of my modification and foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
I am contacting you again regarding a previous dispute I filed, for which I have received no adequate response and have seen no corrections reflected on my credit report. Despite ongoing monitoring, the inaccurate items I challenged are still being reported. This leads me to believe that Equifax failed to conduct a proper reinvestigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: Global Lending Services LLC
State: TN

Complaint narrative:
I am filing this complaint because Global Lending Services ( GLS ) responded to my previous CFPB complaint but avoided providing the credit application used to open the auto loan account. GLS only provided the contract and payment history, but the application is the document used to verify a persons legal identity.

The dealership credit application, which GLS did NOT include in their response, contains my name spelled incorrectly and does not match my government-issued identification or Social Security record . This is the document GLS used to verify this account when reporting it to the credit bureaus.

Since GLS refused to provide the application, they have not shown how they verified this account under my legal identity. A contract is not used for identity verification the original application is.

Without matching identity information on the application, GLS can not legally verify that this account belongs to me under the FCRA 623 requirements. GLS continues to verify information to XXXX XXXX XXXX XXXXven though the application they used contains a different spelling of my name.

My concerns : GLS avoided providing the original credit application, which contains the incorrect name .GLS sent only the contract, which is NOT used for identity verification.

GLS continues verifying the account with the credit bureaus without supplying identity-matching documents. XXXX XXXX XXXX XXXXly on GLS to provide correct documents, but GLS has refused to provide the application.

GLS is reporting and verifying inaccurate information in violation of FCRA 623 ( a ) ( XXXX ) ( A ). 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am disputing the information regarding the accounts listed below on my TransUnion report. The accounts may have errors regarding the reported balances or dates of delinquency, which I am requesting to be corrected. 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and 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 2025-11-21 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: TX

Complaint narrative:
I am writing to dispute inaccurate information on my credit report. My score is significantly lower ( by over XXXX points ) than the other bureaus, which indicates an error in the information being reported. 

I am specifically requesting an investigation into all accounts that may be reported incorrectly, including any items furnished by XXXX XXXX XXXX XXXX, as I suspect inaccurate data may be impacting my score. 

Please review and verify the accuracy of : Any late payments Account balances Account status updates Collection entries Any duplicate or outdated information If any information is found to be incorrect or unverifiable, please delete or correct it immediately as required by the Fair Credit Reporting Act ( FCRA ).

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 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-21 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation