vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the information on my credit reports with the three major credit bureaus. Below is a breakdown of the accounts and inquiries in dispute for each bureau. I respectfully request that these inaccuracies be investigated and corrected. 

LATE PAYMENT Account Name : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Inquiries Account Name : XXXX XXXX Date of Inquiry : XX/XX/year>

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 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: LA

Complaint narrative:
I paid {$1600.00} XX/XX/year> to get my truck back. The balance was at XXXX $ until next scheduled payment date. With a XXXX $ repossession fee and the payoff amount was XXXX XXXX Come XXXX the repossession fee is {$640.00} and the payoff amount is XXXX XXXX I've attached proof. Look at how much the payoff amount has risen since XX/XX/year>. That's fraud. I'm being illegally charged excessive unknown interest and unknown fees that's not nowhere in the contract. I've thoroughly read the contract and none of these fees are mentioned. I will never be able to pay off my truck being charged fraudulent fees and interest rates. I've had problems with them about a {$6.00} daily interest rate they were fraudulent charging me in te beginning of this contract. After contacting them and going over the contract and also reporting them to CFPB. The false fees stopped. However. After that I stopped monitoring it for a while until recently. But I have noticed that my payoff amount is not getting any lesser. It seems like I'm going to be paying for this truck forever. I'm sure thats illegal. If I don't pay my bill and charged a late fee, that understandable and is also stated in te contract. But to be paying outrageous excessive false fees because the company feels they can get away with it. I can't pay for that. It doesn't matter if I have the money, rich or poor. Just fairly charged me. I need some assistance in this matter urgently, in stopping these fraudulent fees or suing this company or both. Thank you for your time and help, sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
I am writing to dispute the accuracy and validity of certain items reported on my credit file. These items, which are listed under " Charged Off Accounts '' and " Inquiries, '' appear to be inaccurate, and I respectfully request a review and correction of the associated accounts in accordance with the Fair Credit Reporting Act ( FCRA ). Below, I have separated the disputes by credit bureau for your reference. 

I am disputing the following accounts and inquiries on my Experian credit report : Charged Off Accounts : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : 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 explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year>, USAA froze all my accounts, credit cards, and debit cards. I had no funds available to me. I had just gotten paid from my XXXX and job. When I called to find out the issue, all they told me was that USAA chose to stop doing banking business with me. I asked when I would be getting access to my accounts, and they promptly told me that they will be sending checks out within 60 days. It has now been over 120 days. When I talked with them on XX/XX/year>, I was told that it would be 60 days from Friday, XX/XX/year>, that I would receive my check. 

The other issue is that they will not remove my Ex-wife from the accounts before they close them. 

This will put it over 7 months of not having access to any of my funds. The loan that I have with them was contingent on having an automatic withdrawal from my account. Due to them freezing my account, this payment was sent out but returned, resulting in service fees, missed payments, and a negative impact on my credit report. This is not due to any fault of mine. This issue has caused a lot of stress and financial issues. 

In accordance with their terms, they were supposed to give me a warning, or at least discuss what was happening, their concerns. I have been with them for over 35 years, and this is a normal action that will start happening, and what they do to long-term dedicated Veterans.

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 2025-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I purchased a formal gown from XXXX. I visited the XXXX XXXX XXXX retail location for alterations to the gown. I requested a simple hem ( the section of the dress to be altered is one-layer ). I was charged for a reversible hem, which is significantly more expensive. I requested an itemized fee list and explanation since the fee schedule is not available to the public. The cashier was also unable to provide those details, so she referred me to the seamstress. When the seamstress arrived, she was unable to provide a clear explanation of the service. I asked for a manager, but they said no one was available at the time. 

I contacted Nordstrom customer service online and they refused to assist, repeatedly referring me back to the seamstress and even going as far as to state that online customer service can not assist with transactions that occur in store. 

The alteration charges are billed to my interest bearing Nordstrom card as part of a cardholder perk that allows a pre approved amount of alterations fees to be credited back in Nordstrom Notes ( retailer credits ) each year. However ; the customer still pays the amount charged to their card. 

I requested a review, so that I can formally dispute the charge. However ; Nordstrom customer service manages Nordstrom card disputes, so I am concerned about getting help going forward. 

I am certain that I was overcharged. I dont want to be charged interest on the wrong amount but the merchant is not giving reasonable consideration to bring the matter to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint regarding Chases handling of a debit card dispute involving non-delivery of goods after full payment. 

I placed an order with a merchant, XXXX, for custom orthodontic aligners. The final payment was processed on XX/XX/year>, at which point the order was paid in full. To date, no product has ever been delivered and no shipment has occurred. 

In XX/XX/year>, prior to any delivery, I proactively notified the merchant of medically necessary dental crowns and requested updated impression materials so the aligners would properly fit. The merchant acknowledged this request, waived additional charges, agreed to proceed, and stated that fabrication would be expedited. However, no firm or revised delivery date was ever provided. 

Between XXXX and XX/XX/year>, no aligners were shipped, no tracking information was provided, and no definitive delivery timeline was given despite repeated inquiries. Due to prolonged non-delivery, I formally requested cancellation of the treatment and a full refund on XX/XX/year>. 

The merchant did not issue a refund and did not ship any product. Instead, on XX/XX/year>, after my cancellation request and after full payment, the merchant confirmed that aligners still had not shipped and stated that delivery would occur approximately XXXX weeks after additional approval steps. This confirms non-delivery as of that date. 

When I contacted Chase to dispute the transactions, I was informed that recovery would be limited to charges within 60 days due to Regulation E timeframes. While I understand the standard provisional credit window, this matter involves a continuous non-delivery dispute tied to a single merchant and payment processor, with documented admissions of non-delivery after cancellation and after full payment. 

This is not a quality or satisfaction issue. It is a failure to deliver goods within a reasonable time and a refusal to refund after cancellation. I am requesting that Chase conduct an expanded review of this dispute and recover all eligible transactions associated with this undelivered order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-12-29 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:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
I reviewed my updated credit report hoping to see the deletions and corrections of what I previously submitted. I sent a complaint explaining the violations and reasons why it should be removed. Hence these accounts remain despite my prior disputes with the credit bureaus. The bureaus refusal to remove accounts resulting from identity theft is a blatant violation of FCRA 605B and demonstrates willful noncompliance. I demand immediate deletion of these fraudulent accounts, corrective disclosures, and enforcement action to hold the bureau accountable for its unlawful conduct. I demand immediate reinvestigation, deletion of unverifiable accounts, and full compliance with federal 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 explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, we submitted a written request to our mortgage servicer, Valon Mortgage ( XXXX # XXXX ), requesting an alternative escrow shortage repayment option ( longer than the standard 12 months ). Valon sent an automated acknowledgment stating the request would be reviewed within 35 business days. 

As of today, no substantive response has been provided despite the stated review timeframe having passed and subsequent follow-up attempts by phone and email. When we called customer service, we were told the issue was with a back office team, but no timeline or written response was provided. 

The escrow shortage is approximately {$4700.00} and resulted in a monthly escrow increase from {$1100.00} to {$1500.00} effective XX/XX/XXXX. Based on our review of escrow transfer statements, the shortage appears to be driven primarily by servicing transfer timing and a late-issued local tax bill following an escrow refund issued by the prior servicer. The actual tax underpayment attributable to this timing issue was approximately {$1100.00}. 

We have requested to pay the {$1100.00} underpayment as a lump sum and to place the remaining escrow shortage and required cushion on the longest available repayment term ( e.g., 60 months ), but Valon has not provided a written response approving, denying, or explaining available options. 

We are submitting this complaint due to Valons failure to respond to a written escrow request within the stated timeframe and lack of written explanation regarding available escrow repayment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft, someone has used my personal infornation to open up these accounts. Ive never gave anyone permission or authorization to open these accounts without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: NC

Complaint narrative:
I am a victim of identity theft, someone has used my personal infornation to open up these accounts. Ive never gave anyone permission or authorization to open these accounts without my permission.

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 2025-12-29 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:
Dear Sir/Madam, I am writing to formally dispute the following information reported on my credit report. I request that you investigate and correct any inaccuracies or errors in my credit file, as outlined below. These disputes are filed in accordance with the Fair Credit Reporting Act ( FCRA ), and I expect a prompt and thorough investigation of each issue. 

Charged-Off Accounts XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1100.00} Dispute Reason : Inaccurate reporting of this account. This account should not reflect a charged-off status. 

Late Payments XXXX XXXX XXXX. 

Account Number : XXXX Dispute Reason : The reported late payments on this account are inaccurate and should be corrected.

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 2025-12-29 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: KY

Complaint narrative:
Name : XXXX XXXX Date Of Birth : XX/XX/XXXX Social Security : XXXX Address : XXXX XXXX XXXX XXXX XXXX KY XXXX TransUnion XXXX XXXX XXXX XXXX ( URGENT MATTER ) XX/XX/XXXX I intend to challenge a dispute with a FTC report for the items listed below as Fraudulent. Please remove all from my credit report. In accordance with the Fair Credit Reporting act. The List of accounts and personal information below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Items listed above, have violated my rights. 15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( AN ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Remove Fraudulent Addresses Listed Below : XXXX XXXXXXXX XXXX XXXXXXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX, KY XXXX Remove Fraudulent Accounts Listed Below : XXXX. XXXX XXXX, Account # XXXX, Opened : XX/XX/XXXX XXXX. XXXX, Account # XXXX, Opened : XX/XX/XXXX XXXX. XXXX, Account # XXXX, XX/XX/XXXX XXXX. XXXX, Account # XXXX, XX/XX/XXXX Remove fraudulent inquirers below : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Written By : 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 2025-12-29 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: VA

Complaint narrative:
I am the victim of identity theft. I previously disputed an XXXX XXXX XXXX XXXX XXXX XXXXXXXX credit card account ( Acct # XXXX ) as fraudulent. I submitted an FTC Identity Theft Report, government-issued ID, SSN verification, and proof of address. After that dispute, this account was removed/blocked from my credit file. 

Recently, the same XXXX XXXX XXXX XXXX XXXX  XXXX tradeline has been reinserted on my report as a charged-off account with {$1800.00} past due, showing multiple late payments and charge-off status. I did not open, authorize, use, or agree to this account. It is an identity theft account. 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), once a consumer provides an identity theft report and verification, the credit bureau must block and permanently delete identity-theft-related information within four business days. This is supposed to be a permanent block, not something that later reappears as a charge-off.

Under FCRA 611 ( a ) ( 5 ) ( B ), once information has been deleted as the result of a dispute, it can not be reinserted unless the furnisher certifies its accuracy and the bureau provides me written notice within XXXX business days of the reinsertion. I did not receive any such notice. The tradeline simply reappeared on my report showing a charge-off and past-due balance. 

Reporting this fraudulent account again, as if it were mine, also violates : FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) furnishers may not report information they know or should know is inaccurate, especially after an identity theft filing FCRA 616617 willful/negligent noncompliance creating liability for damages The current reporting shows : Account : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account charged off, {$1800.00} written off, {$1800.00} past due Payment history with XXXX days late and multiple CO ( charge-off ) months On record until : 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 2025-12-29 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: WA

Complaint narrative:
Dear Sir/Madam, I am a consumer seeking to resolve inaccuracies on my credit report. Below are the details of the accounts that I believe have been reported incorrectly or in violation of the Fair Credit Reporting Act ( FCRA ). I respectfully request your assistance in correcting these discrepancies. Please see below the details of the accounts in dispute : CHARGED OFF ACCOUNTS XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} LATE PAYMENTS XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief