vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/year> Note that I have asked for this request in the past but the issue was not corrected Subject : Dispute of Inaccurate Personal Information Incorrect Name Reporting FCRA 1681e ( b ) and 1681i Demand for Correction To Whom It May Concern, I am formally disputing the * * inaccurate spelling or formatting of my legal name * * on my credit report. The credit file currently reflects incorrect versions of my name. As such, I am requesting that the credit reporting agency immediately update my file to reflect my full and correct legal name as it appears on my government-issued documents : I have attached my documents to this compliant as PROOF. 

I sign credit applications using the name as it appears on my Social security card. 

Under the * * Fair Credit Reporting Act ( FCRA ) 1681e ( b ) * *, consumer reporting agencies are required to maintain and report information with * * maximum possible accuracy. * * Reporting my name incorrectly is a violation of this requirement.

Additionally, under * * FCRA 1681i * * I am exercising my right to dispute and request a reinvestigation into this inaccurate personal identifying information. Please update your records accordingly and ensure that * * all current and future reporting uses my correct legal name * *. 

Enclosed with this letter are * * copies of my Social Security card and government-issued identification * *, verifying the proper spelling and full legal format of my name. 

Please complete this reinvestigation within * * 30 days * *, as required by law, and send me a written confirmation that the correction has been made. Also provide me with an updated credit report reflecting this change. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 explanation
Consumer complaint received 2025-07-05 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: CITIBANK, N.A.
State: MA

Complaint narrative:
I booked a hotel room using my CITI Premier Credit Card and finally the stay was not good and finally the merchant refunded me. But CITI did not give me or post that refund after XXXX business days. Nor they gave any ways to solve it in the XXXX calls I made to Citi. 
More Background info : Before the merchant refunded me, I was trying to submit a dispute to get my money back because the stay was horrible. The merchant then contacted me, apologized and persuaded me to solve it offline. I agreed and withdrew my dispute, and then the merchant refunded me. 

Date of the original transaction : XX/XX/year> Amount : {$230.00} ARN is : 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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EXPERIAN, Despite previous requests for correction, this violation continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EXPERIAN, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I don't recognize the account mentioned as reported. The account mentioned in my consumer credit report that you maintain was not opened, created, or initiated by me. The account mentioned is the result of identity theft and fraud.

I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). This account must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : 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 explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC
State: GA

Complaint narrative:
The debt listed on my credit report with XXXX XXXX XXXX XXXXeported by XXXX XXXX XXXX MRS BPO LLC is inaccurate and improperly reported. The reference number associated with this debt is XXXX, and the partial account number ends in XXXX. The alleged balance is {$350.00}, and the original creditor is XXXX XXXX XXXX XXXX This debt does not appear on my XXXX XXXX XXXX XXXX report. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX is also reported similar/same information as XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX This debt was sold and my personal information was provided without my consent. Despite my efforts to resolve this matter directly with MRS BPO and through the credit reporting agencies, the inaccurate information remains on my file. I contacted MRS BPO on XX/XX/year>, and was informed that they are not the original creditor and could not provide full account information. I was also told that no negotiation would be offered and was instructed to call back only once I had the full balance. The debt has caused significant harm to my financial standing and personal life, including repeated denials for housing, contributing to homelessness and an inability to secure stable shelter for myself and my disabled parent. This situation has caused serious financial hardship. I believe the continued reporting of this account violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I respectfully request that the CFPB investigate this matter and take appropriate action. I can be reached at ( 912 ) 604-2630 ( voicemail preferred ) or at XXXX for any further information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, XXXX, and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud with 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of a personal credit card ( XXXX XXXX XXXX XXXX XXXX XXXX. All of the aforementioned accounts, collections and hard inquiries are the results of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: VA

Complaint narrative:
From XXXX XXXX and utilizing my American Express Blue Cash card, on XX/XX/XXXX, I purchased XXXX XXXX XXXX XXXX shirts for {$1000.00}, one in size L and one in size XL, and returned the shirt that did not fit me. XXXX XXXX then fraudulently denied my return, claiming it was dirty and damaged. I disputed this fraudulent charge with American Express. As evidence, I provided multiple high resolution color photographs showing that XXXX XXXX 's claims were completely false. The polo shirt is completely new, clean, undamaged and with all tags attached. 

However, over 2 months, American Express continued to claim that they could not ascertain the truth, even after I called them multiple times and sent multiple high resolution color photos demonstrating that the polo shirt is completely new, in perfect condition and had all the original tags. I have been a card holder since XXXX and am shocked by American Express condoning merchant fraud in the face of overwhelming evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
A company named Jefferson capital is posting a debt that does not belong to me, on my credit report. They wil remove their account. Then the account will reappear with a higher balance than the previous balance. they are now posting an account saying it was opened XX/XX/XXXX through a XXXX XXXX XXXX. I have never in my life been with XXXX XXXX I am with XXXX  XXXX  as I am on food assistance and state assistance program. My phone is paid for by the state and Ive had my phone for eight years now with the same number.. I am requesting a demand for removal from all three credit reports from Jefferson capital with the fraudulent account that they are trying to collect on. They have not provided any proof of claim such as my original signature and a copy of my original photo ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Recently i looked at a copy of my credit report noticed several inaccuracies on my report these accounts are hurting my credit score please have them remove from reports please

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 2025-07-05 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: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Recently i looked at a copy of my credit report noticed several inaccuracies on my report these accounts are hurting my credit score please have them remove from reports please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently received a copy of my credit report & noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to 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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: LA

Complaint narrative:
In Fall 2014, I attempted to enroll at the University XXXX XXXX at XXXX ( XXXX ), but my academic advisor placed me in duplicate classes I had already passed. I could not complete XXXX credits and was told there were no available classes left. As a result, I did not attend, did not receive financial aid, and never got a refund. Years later, I found out a {$49000.00} federal student loan was reported in my name, even though I never accepted or used any loan funds. I never received mail or calls about this, and the balance was sent to collections and the Louisiana Attorney General without my knowledge. My state tax refunds have been taken for years, and Ive made multiple disputes with Nelnet and contacted XXXX and the AGs office all without resolution. I am requesting full removal of this inaccurate debt and for collections and garnishment to stop immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC
State: GA

Complaint narrative:
We have been trying to get the monthly payments that we are making to appear in the credit bureau files. The person I spoke with a month ago stated payments are being reported but they are not ( neither on his credit report nor my report.

Are there legal reasons why monthly mortgage payments are not reported?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-05 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT 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 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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Credit Acceptance Corporation regarding a vehicle repossession that I believe was conducted unfairly Account was reported by Credit acceptance Corp. To the following agencies, XXXX XXXX , XXXX  and XXXX  .

I acquired my vehicle with gap insurance, but regrettably, it was involved in an accident that rendered it a total loss. Upon inquiring about the possibility of recovering my vehicle, I was advised that the cost of repairs exceeded its value, leading to repossession. Following this, the insurance settlement, including gap insurance, compensated for the damages incurred. The vehicle was subsequently sold ; however, I continue to receive requests for payment of a balance that I do not owe, as the insurance payout and proceeds from the sale of the vehicle covered the outstanding expenses. Despite my endeavors to resolve this issue, I was informed that the debt can not be expunged from my records, even if I were to make the payment. Presently, I am attempting to purchase a new vehicle, but this unresolved debt is significantly impeding my ability to do so, especially considering that I have four dependent children. Therefore, I respectfully request that this debt be removed from my credit report, as its presence is damaging my reputation and hindering my capacity to provide for my family. 

Over the past two years, I have engaged in multiple disputes with XXXX XXXX, XXXX, and XXXX  regarding this issue, with the most recent disputes taking place on XX/XX/year> and XX/XX/year>, and each time, they have maintained that the information is accurate and has now been updated, despite its inaccuracy.

I am now turning to the CFPB for assistance in reviewing this case and ensuring that my rights as a consumer are protected. 

I believe Credit Acceptance may be in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) for reporting inaccurate credit information after the GAP claim was paid. I also believe this may constitute an unfair or deceptive practice under 12 U.S.C. 5531.

Thank you for your time and attention to this matter. I trust the CFPB will assist in ensuring that Credit Acceptance complies with applicable consumer protection laws. 

Sincerely, 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 explanation
Consumer complaint received 2025-07-05 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: Westlake Services, LLC
State: TX

Complaint narrative:
I have requested back on XX/XX/year> XXXX XXXX XXXX to Validate an account they are reporting to the credit bureaus. They received the letter on XX/XX/year>. I have tracked the letter and have not gotten any validation, they sold this so claimed debt to a 3rd party and still are reporting which is in violations of my rights under Texas Finance Code 392.202 and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: NJ

Complaint narrative:
After reviewing my consumer report, I have realized that my rights as a consumer has been violated on various accounts. My consumer report has been furnished illegally violating multiple XXXX XXXX XXXX XXXX Codes and The Fair Debt Collection Practices Act. I am requesting that all XXXX furnished and inaccurate information that is reporting are removed from my consumer report immediately. I have submitted this request directly to the Consumer Reporting Agencies on XXXX occasions and they continue to overshadow my rights as a consumer, the XXXX XXXX XXXX XXXX, and The Fair Debt Collection Practice Act. If no action is taken, I will be forced to take legal action for XXXX furnishing my consumer report with inaccurate and unverifiable accounts under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
First check since was knew was told to hold for 15 days. 2 check they held again for 15 days. Also they have locked the account from funds coming in and going out. Due to the check they claim. We asked 5 times during the 15 days as I have been in business for over a decade. They did not. Once funds was available they locked my account. I have card fees to pay which is drawing interest and bank is doing it on purpose. I also have 20 plus employees that need to buy food and pay rent and our not able to cash check to pay bills. They are inquiring late fees and not able to purchase due to there checks not being able to be cashed. They told us in person for the XXXX it would be released and they have not done so. I need to know how to sue to get my money to go to another bank and to get the intrest and late fees everyone is inquiring due to there negligence to the facts. Chase bank in XXXX is bad and they dont seem to be doing well or have any good managers and from calls over the phone is no better like Chase could be losing customers as when I told them Im switching backs and moving all funds they locked my account from funds changing.

Company response to consumer: Closed with explanation