vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 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: MS

Complaint narrative:
I kindly ask for your consideration in removing late payment records from my account. I genuinely believe that this adjustment would not only represent my overall commitment to my financial obligations but also aid me in rebuilding my credit during this recovery period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
These hard inquiries are fraudulent and doesnt belong to me and need to be removed. 
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 2025-01-01 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: MA

Complaint narrative:
Good day! 
I am reaching out regarding several concerning accounts in my credit report that require investigation for a lawful resolution. Upon review, I identified inaccuracies and inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). The violations I have noted include : Violation of Timely Payments Regulations Violation of Finance Charge Determination Violation of United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) I request that you provide proper evidence showing that I was late on this account, in compliance with Section 15 USC 1681a ( 2 ) Ai, 15 USC 1666b, and 1637 ( b ). If you can not supply the required evidence, you can not deem payment as late, which constitutes a violation of Section 15 USC 1681s-2. Please update the account as " PAID '' or " PAID AS AGREED. '' Additionally, I am filing this complaint due to the multiple inaccuracies in my report, which have negatively impacted my ability to secure credit. The violations that need prompt attention are : FCRA Section 616 - Civil Liability for Willful Noncompliance FCRA Section 603 ( 4 ) ( 2 ) ( A ) - Obligations with Respect to Disclosures of Personal Information FCRA Section 623 ( a ) ( 3 ) - Furnishing Deceptive Forms Violation of Credit Report Permissible Purposes Privacy Act violations U.S.C 552a ( g ) ( 1 ) ( A ) USC 1692e I demand verifiable proof, specifically the original consumer contract with my signature, for the accounts listed. Under the FCRA, unverified accounts must be removed if you can not provide this proof. Therefore, I insist that the accounts be VERIFIED or REMOVED immediately. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Section 611 Dispute Letter Inaccurate Information on Credit Report Dear Credit Reporting Agency, I am writing to formally dispute certain information on my credit report that I believe is inaccurate and violates my rights under Section 611 of the Fair Credit Reporting Act. The specific inaccuracies are as follows : **Item to be disputed : ** XXXX XXXX  account ending in XXXX **Reason for dispute : ** This account and its associated balance do not belong to me ; they result from identity theft and fraud. 

**Current status : ** Ongoing **Desired action : ** I request the disputed information 's correction, update, or deletion. 



I have enclosed supporting documents that prove my claim, including bank statements, payment records, and identity theft reports. This is so that you know that these documents are for your review only and should not be shared with unauthorized parties. 



I respectfully request that you conduct a thorough investigation of my dispute as soon as possible and verify, amend, or remove the disputed information from my credit report within the 30-day timeframe mandated by the Fair Credit Reporting Act. Additionally, I would appreciate written confirmation of any changes made to my credit report. 



Thank you for your attention to this matter. I look forward to a quick resolution that accurately reflects my credit information. 



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 2025-01-01 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
15 U.S.C 1681s-2 ( A ) ( 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.

I have disputed this with all 3 credit bureaus for almost 3 years now informing them that I do not owe this debt and they continue to report it when it is not accurate. I have provided them proof from the courts as they were dismissed and they are still reporting this. I have attached court records for XXXX account numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: PA

Complaint narrative:
Consumer Financial Protection Bureau XXXX : Formal Complaint Regarding Missing Settlement Payment for XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to complain about an unresolved issue with Westlake Financial Services formally. The matter involves a settlement payment of {$12000.00} for my totaled vehicle, which was damaged in an accident on XX/XX/year>, at XXXX XXXX XXXX XXXX in XXXX, PA. 

The insurance company responsible for the payment provided me with documentation confirming the settlement and the release of property damage ( attached ). I signed the necessary paperwork authorizing payment to Westlake Financial Services, my lienholder at the time. Despite this, Westlake Financial has informed me that they have not received the funds.

To resolve the situation, I have taken the following steps : Contacted the insurance company to verify the payment.

Confirmed that the payment was issued following the settlement terms.

Provided Westlake Financial with the signed release form as evidence of the settlement.

Unfortunately, Westlake Financial has not resolved this issue and continues to claim non-receipt of the payment. This has left me in a difficult financial position, as I am being held accountable for the loan balance despite the settlement agreement being finalized. XXXX XXXX sent me the contract to review again instead of honoring the damage that was caused to the vehicle : Here is a statement from XXXX who sent the letter to XXXX for their signature : Hello XXXX XXXX, There hasn't been any payment issued. We are waiting on the signed release from Westlake Financial. 

If you need to contact me or have any questions, please respond to this email. You can also attach and send me any documents in regards to your claim. You XXXX also view your claim at XXXX or the XXXX XXXX XXXX. 

Sincerely, XXXX XXXX, XXXX XXXX I am seeking the CFPB 's assistance to : XXXX XXXX XXXX 's handling of this matter. 
Ensure the payment is properly traced and applied to my account. 
Resolve any discrepancies and confirm the loan is satisfied in full per the settlement agreement. 
I have attached the following documents for your review : The signed release of property damage form. 
Any relevant correspondence between myself, the insurance company, and Westlake Financial. 
Please let me know if additional documentation or information is required to process my complaint. 



Sincerely, XXXX XXXX

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

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Subject : Chase Credit Card Dispute - Fraudulent Transactions Not Properly Investigated Complaint Details : I am filing this complaint against Chase Credit Card for their failure to adequately investigate fraudulent transactions tied to a sophisticated scam I was a victim of. Despite providing substantial evidence to support my claims, Chase has denied my dispute without addressing the full scope of the fraud. 

Here are the key details of my case : A scammer persuaded me to send money through multiple channels, including XXXX, XXXX, and checks, as part of a coordinated scheme. 

The scam followed a distinct pattern : checks were deposited into my Chase bank account, followed by XXXX or XXXX transactions to the scammers accounts. Subsequently, the checks bounced, leaving me liable for the funds. 

The fraudulent transactions occurred between XXXX and XXXX, involving XXXX XXXX transactions tied to my Chase credit card, totaling around {$4500.00}. I also suffered an additional {$1500.00} loss from XXXX transactions. 

Chases decision letter states that the charges are valid because the services were either received or made available to me. However, this conclusion is erroneous because : I have provided evidence of a fraudulent cycle involving the same individuals, including proof of rejected checks and the scammers communications. 

Chases investigation appears to have focused solely on the XXXX transactions without correlating them with the rejected checks and XXXX transactions in my Chase bank account, which clearly demonstrate a fraudulent scheme. 

This situation has caused significant financial and emotional stress. I rely on Chase to provide fair and thorough investigations, and I feel that my concerns have been unjustly dismissed. 

Thank you for your time and attention to this matter. 

Attachments : Screenshots of rejected checks and XXXX XXXX XXXX logs with the scammer ( to be provided upon request )

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

Complaint narrative:
XX/XX/year> a letter was sent to each credit burough that XXXX XXXX  completed an investigation concluding I am NOT responsible for this debt.I want it pulled from my credit report immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account immediately for violation of 15 USC 1681e ( b )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: FC HoldCo LLC
State: FL

Complaint narrative:
I was looking over my report and I noticed these accounts listed below are not ensuring maximum possible accuracy according to the FCRA. Delete accounts listed below for violation of the fair credit reporting act. 

This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ), the open date, date last active is not accurate. Delete Account immediately for violation of 15 USC 1681e ( b )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 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: KS

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my credit report as 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 non-monetary relief
Consumer complaint received 2025-01-01 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my credit report. Please remove these accounts from my credit report as they are hurting my ability to obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these fraudulent accounts a collections account with XXXX XXXX XXXX opened XXXX account number ( private ), account opened with XXXX XXXX XXXX on XXXX account number ( private ), XXXX XXXX XXXX opened on XXXX account number ( private ), Auto loan opened with XXXX XXXX XXXX on XXXX account number ( private ). These accounts have resulted in several fraudulent hard inquiries ( Bank XXXX XXXX, XXXX XXXX, XXXX XXXX ) and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 non-monetary relief
Consumer complaint received 2025-01-01 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: Fidelity National Information Services, Inc. (FNIS)
State: NH

Complaint narrative:
I am writing to formally dispute the information reported by XXXX XXXX XXXX XXXX, appearing in my ChexSystems report. This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which requires that consumer reporting agencies maintain accurate and verifiable information. Additionally, I am requesting a freeze and opt-out of my ChexSystems file XXXX 

The information being disputed is as follows : Source of Information : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MA XXXX Phone Number : XXXX Reported For : Account Abuse Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX, XXXX, NH XXXX Reported SSN/ID : XXXX Driver 's License State : [ State Not Specified ] Date of Closure : XX/XX/year> RTN/Account Number : XXXX / XXXX Original Charge Off Amount : {$530.00} Closure Status : Paid in Full Closure Status Date : XX/XX/year> Grounds for Dispute : Under the FCRA, I am entitled to dispute any information on my file that is inaccurate, incomplete, unverifiable, or outdated. After reviewing the information provided, I have reason to believe that this entry meets XXXX or more of these criteria. Specifically : Inaccuracy and Lack of Verification : I request that ChexSystems provide documented evidence from XXXX XXXX XXXX XXXX verifying the accuracy of all details listed, including but not limited to the alleged account abuse and any related activity. 

If verification can not be provided within the legally mandated time frame, I demand the immediate removal of this record from my report. 

Compliance with FCRA 611 : According to FCRA 611, any disputed information must be corrected or deleted if found to be inaccurate or unverifiable within XXXX days of receiving this notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I went active on XXXX XXXX XXXX and in XXXX XXXX, I applied for SCRA from American Express, and in XXXX XXXX  It stopped. I called countless times to find out why I was cut off and was told I could only use it for 12 months. I then asked why my other bank doesn't do the same because I have been using XXXX  with XXXX others up to this day. The representative does not give me an answer which I asked them if I could apply for XXXX and I did. Only for them to send back that I am not qualify for XXXX or XXXX been asking why for the past 1 year but no answer. They refuse to cut down my from XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-01 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: HI

Complaint narrative:
Its absolutely infuriating to see inaccurate accounts on my credit report. These accounts have been dragging my score down for far too long, and its impossible to ignore how much theyve impacted my financial life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

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