vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-10 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-10 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: OH

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-05-10 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a text message from Synchrony bank saying " Welcome to Synchrony Bank : Account information and Updates. i did not open an account with this bank. its fraud.

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 2025-05-11 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: TX

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-05-10 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: CENTRAL BANCOMPANY, INC
State: MO

Complaint narrative:
I am filing this complaint against Central Trust Bank for engaging in deceptive financial practices, fraudulent inducement, and insurance fraud. Central Trust Bank obtained a security interest in a consumer credit sale specifically a retail installment contract converted to promissory note XXXX, under false pretenses. Initially, I voluntarily signed the contract without understanding that I was being deprived of my rights and misled under conditions of coercion and unequal bargaining power. 

Upon further research and education, I learned that the contract was materially deceptive, lacked full disclosure, and failed to provide the protections required under federal lending laws. Central Trust Bank never provided a valid Truth in Lending Act ( TILA ) disclosure, and their failure to register or disclose any securitization agreements further implicates them in a fraudulent scheme.

I rescinded the contract in accordance with TILA, 15 U.S.C. 1635, due to fraud in the inducement and lack of meaningful consent. Central Trust Bank has refused to honor the rescission, and continues to assert an invalid XXXX against my property. 

Additionally, Central Trust Bank participated in the unauthorized procurement of a force-placed insurance policy with XXXX XXXX XXXX XXXX XXXX using my personal information without lawful consent. That policy ( Certificate No. MB XXXX ) was later cancelled after I submitted an Affidavit of Fraud to the insurer, confirming the lack of authority.

2. Violations and Issues Identified : Violation of TILA, 15 U.S.C. 1635 Right to rescind based on fraud, failure to provide clear disclosure ; Violation of TILA, 15 U.S.C. 1638 ( a ) ( 2 ) ( A ) Failure to accurately disclose finance charges and terms ; Violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016809 Unauthorized use of personal financial information ; Violation of FCRA, 15 U.S.C. 1681b and 1681s-2 Improper use of consumer report data and inaccurate reporting ; Fraudulent inducement and coercion, voiding contract under federal equity principles ; Insurance fraud under 18 U.S.C. 1341 ( mail fraud ) and 18 U.S.C. 1343 ( wire fraud ) ; Deceptive and unfair practices in violation of the Missouri Merchandising Practices Act ( XXXX XXXX ) ; Lack of securities registration and transparency Central Trust Bank appears to be engaging in lending and securitization practices without publicly available filings on XXXX as required under the Securities Act of 1933 ; Violation of the USA PATRIOT Act, Title III, Section 326 ( Pub. L. 10756 ) Failure to comply with customer identification and verification standards prior to procurement of unauthorized insurance and financial instruments.

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 2025-05-10 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I reported multiple fraudulent transactions to Chase In XXXX and XXXX of XXXX, providing detailed information about the fraud, but they did not correct the issue properly as I requested. Instead, they claimed that the way they resolved the fraud led to a system glitch, which removed my payment plans and misapplied payments. I went to the branch and called Chase several times, but each time I received conflicting and confusing responses. 

I requested a full breakdown of the situation, including summaries, transcripts, account statements, and a timeline of the fraud. Chase told me I would need to print the statements myself and that they could only provide dates. I also asked for clarification and for them to improve their internal communication, but no real answers or solutions were given. One representative acknowledged that this is wrong and was not my fault and that the other representatives were not being fair. However, due to no fault of her own, she was not able to guarantee that if she reports this that it will help. She could not provide transcripts. On XX/XX/XXXX I was only evasive about the reason I requested the dates because the spokesperson was asking me why I need the information. 

As a result, Ive been told I am responsible for the full balance by XX/XX/XXXX, despite the issue being caused by Chases internal glitch. This situation has caused significant emotional distress, panic attacks, family stress, and financial hardship. 

While chase did not provide recordings or transcripts recordings or transcripts of my calls, I used my analysis of the phone conversations to logically reconstruct the information shared on those dates. The details in these documents are based on my logical recollection.

( Note ) : I have one account statement that clearly shows part of the problem and supports my complaint. I ask that this be reviewed carefully, as other statements are not as helpful in showing what went wrong. I corrected the fraud by saying that there never should have been a {$6000.00} credit that turned into a {$4000.00} credit. I then adjusted by explaining only the XXXX charges that weren't {$11.00} a month were fraud. and especially not the XXXX XXXX XXXX  which was on a payment plan. They didn't adjust this when I asked in mid to late XXXX. They are claiming I reported the XXXX XXXX as fraud. I do not believe I did this. Because if it remained as fraud why does it appear to have been put back according to my XX/XX/XXXX transaction? There is one purchase, a return which I did not want which was the airline ticket. I asked that it be put back on and payment plan restored. Nothing was.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I opened/filed a dispute with Apple Card XXXX Goldman Sachs bank for {$190.00}. I purchased hair from the company Wig dealer on or around XX/XX/year>. I received the shipment on XX/XX/XXXX and messaged the merchant Wig Dealer to inform them my item 's did not arrive as advertised on their website. The hair I received was under the XXXX oz per bundle, or as the company describes XXXX grams. When I emailed the company, I let the customer service agent know what I received was between XXXX grams. I took pictures of the hair on the scale for proof and emailed it in. I told the customer service agent, XXXX I wanted a refund if they could not send more hair or rectify the problem. She advised returning the item in the original packaging and I would get a refund on XX/XX/year>. I returned the item via fedex the way it arrived in it's original packaging on XX/XX/year> and emailed a picture of the receipt and tracking number to the company. The next day, XX/XX/year> they emailed back and said thank you for the information. XXXX tracking provide an email receipt the item was delivered to the Wig Dealer company on XX/XX/year>. In XX/XX/year> I did not receive my refund so I filed/opened a dispute with Apple Card XXXX Goldman Sachs because the company did not refund my money. Apple card has found that I don't have enough evidence to support my claim, even though I have submitted the email thread of my conversation between myself and the company and proof they told me to return the merchandise, I returned with proof of receipt, and they agreed to give me my refund in writing. XXXX would not process the refund. I received papers the company submitted in the mail and it states XXXX XXXX has provided they have a no refund policy and I did not return the merchandise. I have reopened this dispute a total of XXXX times with Apple Card, Goldman Sachs and provided the information showing I am owed my refund and I do not have the merchandise. I just want this resolved and my refund. It's been almost a year, it's as if Apple Card is not reading the evidence or trying to get my money back from the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-10 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 recently review a copy of my credit report and notice I had fraudulent account on my report. Please remove these account from my report, they are hurting my ability to obtain credit.

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 2025-05-10 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: TN

Complaint narrative:
XX/XX/XXXX, XXXX I sent letters to the credit agencies ( Transunion and Experian ) to validate or delete a collection account from XXXX XXXX XXXX. The credit agencies failed to validate and/or delete the information from my consumer file. 

XX/XX/year>. This shall serve as notice to the CFPB that I am again sending letters on this day to Transunion and Experian demanding payment and deletion of this harmful account from my consumer file. I am also sending a separate letter to the collection agency ( XXXX XXXX XXXX  ), who allegedly failed to send validation to the credit agencies to have this account removed.

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 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
1 } I ask them to send me a detailed list of the history of payment made be me on this account.

2 } I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.

3 } Im asking to see has there been any insurance claim found on this debt.

4 } I want proof that you have the chain of title to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filing a formal complaint against JPMorgan Chase regarding suspicious overdraft activity on my account. On the night of XX/XX/year>, my account was overdrawn by {$90.00}, which I acknowledged and understood. However, by the following morning, the negative balance inexplicably jumped to - {$540.00}. 

Chase representatives claimed that the increase was due to XXXX payments and online transfers from my other Chase accounts finally posting. However, this explanation makes no sense XXXX and internal transfers are not allowed to process unless sufficient funds are available. Furthermore, my transaction history shows multiple entries labeled as transfers to the same account, which is illogical and appears to be a glitch or system error. 

I believe Chase may be misrepresenting how transactions are processed to justify overdraft fees or system delays. I requested detailed transaction timestamps and was only given vague explanations. I feel these actions are deceptive, misleading, and possibly predatory. 

I am requesting : A full investigation into these specific transactions. 
A refund of all overdraft or related fees associated with this issue. 
An explanation for why internal transfers or XXXX payments posted incorrectly or with inconsistencies.

Assurance this will not happen again.

This situation has caused me financial and emotional stress, and I believe it warrants further review and regulatory attention. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my XXXX XXXX XXXXXXXX XXXX credit report concerning the following account : Creditor Name : XXXX Account Type : Auto Loan Date Opened : XX/XX/year> Status : Closed / In Repossession Balance : {$7200.00} Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am exercising my right to dispute any information that is incomplete or inaccurate. I believe the information listed for the above account is incorrect for the following reasons : 1.The account is marked as Closed yet still reflects an active monthly payment obligation. A closed account should not continue reporting ongoing monthly payments as this misrepresents the current nature of the account and may negatively affect my debt-to-income ratio and credit utilization. 
2.The account is marked In Repossession with a balance of {$7200.00}, yet it does not reflect any offset from the vehicles sale or resolution following the repossession. If the vehicle was sold after repossession, the proceeds should have been applied to the balance, and the current reported amount may be inflated or inaccurate unless fully verified. 

I respectfully request that XXXX  investigate this account and either ( 1 ) correct the information with the data furnisher or ( 2 ) remove the account if it can not be verified for accuracy and completeness within 30 days, as required by FCRA guidelines. 

Please confirm in writing that the investigation has been completed and include a copy of the updated report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation