vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/scrub>, 2025, I received an email from Chase stating that my client, had sent me a XXXX payment of {$1500.00} and that the funds would be deposited in a few moments. The funds have never posted to my Chase account. 

My XXXX XXXX, XXXX XXXX XXXX XXXX, confirmed that the payment was debited from her account. They provided me with a trace number ( XXXX ) and a transaction ID ( XXXX ). Despite this, the funds have not been credited to my account nor returned to my client. 

I have contacted Chase over seven times by phone, in person at a branch, and via email, including escalation through a branch manager to the back-office investigations team. To date, there has been no resolution and no recent reply to my follow-up request for information. I have contacted XXXX who directed me to contact my bank and I contacted XXXX XXXX XXXX XXXX who would not discuss the matter with me so I had my client file a claim of which I included the information for above. 

When my client filed a claim with her bank, they advised that the responsibility lies with Chase to locate and post the funds as they have proof through the trace that the funds reached my bank. Chase has failed to resolve this matter despite repeated requests and the availability of the trace information.

I am seeking CFPB assistance to compel Chase to properly investigate this missing XXXX transaction and either credit the funds to my account or return them to the sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: IL

Complaint narrative:
In XX/XX/XXXX, my vehicle was repossessed by Westlake Portfolio Management because I was unemployed at the time. Within three days ( near a weekend ), I bought My vehicle back from the tow company. At that time, Westlake told me I did not need to pay the repossession fee of {$740.00} dollars in order to get My vehicle back. In XX/XX/XXXX, I attempted to purchase a new vehicle from several dealerships, But I was denied unless I put down a very large down payment. I discovered that Westlake reported the repossession to the credit bureaus, which is preventing me from financing another vehicle. On XXXX XXXX, I contacted Westlake to get My full payoff amount. I was aware that I only had {$390.00} dollars left to pay on the loan but was told the {$740.00} dollars repossession fee was still included. I asked if I was responsible for this fee even though they had originally said I would not have to pay it. They confirmed that I would still be responsible. I explained that if I am required to pay the {$740.00} dollar repossession fee, then the repossession fee should be removed from My credit report once it is paid off. I asked for this agreement in writing. A representative told me that the repossession would remain on My credit report for XXXX additional years, even after me paying the fee. I spoke with A supervisor named " XXXX '' ( extension XXXX ), who repeated that the repossession fee would stay on my credit report and can not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am a victim of identity theft, which has left me feeling very vulnerable and in XXXX. Fraudulent accounts were opened in my name without my knowledge and consent which is causing significant harm to my credit standing. I am determined to take the necessary steps to clear my name, protect my identity, and restore my financial well-being. I kindly request that you please remove these fraudulent accounts from my credit report, as they do not accurately reflect my financial history or responsibility. I appreciate any support and assistance in overcoming this unfortunate experience.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: NY

Complaint narrative:
I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX with late date XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX, These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. 
Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
A XXXX  XXXX bankruptcy filed in XX/XX/year> continues to be reported on my credit file. This record is now over eight years old. Its continued disclosure constitutes an outdated and disproportionate burden on my financial reputation, employment prospects, and access to credit. 

The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to ensure maximum possible accuracy ( 607 ( b ) ) and to safeguard the confidentiality and privacy of consumer information. The ongoing publication of this bankruptcy, well beyond its reasonable period of relevance, no longer serves a legitimate credit evaluation purpose and functions only as an invasion of privacy.

Additionally, FCRA 604 limits the furnishing of consumer reports to situations where there is a permissible purpose. The disclosure of a nearly decade-old bankruptcy does not reasonably relate to my present creditworthiness or employment suitability, and therefore fails to meet the statutory standard for permissible use. 

Despite disputes filed, the agency continues to include this obsolete and privacy-invasive information in my report. Its presence results in unjust harm and undermines the FCRAs intent to balance accurate reporting with consumer protection.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
A XXXX  XXXX bankruptcy filed in XX/XX/year> continues to be reported on my credit file. This record is now over eight years old. Its continued disclosure constitutes an outdated and disproportionate burden on my financial reputation, employment prospects, and access to credit. 

The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to ensure maximum possible accuracy ( 607 ( b ) ) and to safeguard the confidentiality and privacy of consumer information. The ongoing publication of this bankruptcy, well beyond its reasonable period of relevance, no longer serves a legitimate credit evaluation purpose and functions only as an invasion of privacy.

Additionally, FCRA 604 limits the furnishing of consumer reports to situations where there is a permissible purpose. The disclosure of a nearly decade-old bankruptcy does not reasonably relate to my present creditworthiness or employment suitability, and therefore fails to meet the statutory standard for permissible use. 

Despite disputes filed, the agency continues to include this obsolete and privacy-invasive information in my report. Its presence results in unjust harm and undermines the FCRAs intent to balance accurate reporting with consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received a collection letter from National Credit Systems ( NCS ) regarding an alleged balance of {$3700.00} for XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX ). 
The letter was defective under FDCPA 1692g, because it did not include the required 30-day dispute/validation notice. Despite this omission, NCS stated they would report the debt to the credit bureaus if payment was not made. 
On XX/XX/XXXX, I formally disputed the debt in writing and mailed a Debt Validation Letter via USPS Certified Mail ( tracking # XXXX, delivered on XX/XX/XXXX I requested full validation, including : Itemization of the {$3700.00} balance, A copy of the signed lease, Explanation of the {$3100.00} early termination fee, Proof of utility charges, And documentation showing a valid chain of assignment ( XXXX XXXX XXXX XXXX NCS ). 
Instead of validating the debt, on XX/XX/XXXX, NCS reported the collection account to XXXX. Reporting a debt during the active 30-day dispute period, without validation, is a direct violation of FDCPA 1692g ( b ). It also creates an FCRA violation, because the tradeline is inaccurate and incomplete while under dispute.

The underlying charges are also invalid. I terminated my lease with proper 60-day notice on XX/XX/XXXX, under Alabama Code 35-9A-164, due to landlord material noncompliance ( unresolved utility overcharges ). The landlord failed to respond within the 14-day statutory period and improperly added a {$3100.00} early termination fee. Utility bills were inflated ( {$200.00} $ XXXX, including a {$400.00} water bill in XX/XX/XXXX ) and never properly investigated. 
I am attaching the following documents as evidence : NCS collection letter dated XX/XX/XXXX, My Debt Validation Letter dated XX/XX/XXXX, USPS Certified Mail receipt and delivery confirmation, Screenshot of XXXX  credit report showing reporting on XX/XX/XXXX, This frames the complaint around three big violations : 1. Missing FDCPA 30-day notice.

2. Reporting during active dispute ( FDCPA + FCRA ).

3. Underlying debt invalid due to Alabama landlord-tenant law and utility overcharges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: HI

Complaint narrative:
In connection with the recent TransUnion data breach, it has been confirmed that my personal information was exposed and compromised. XXXX  has also confirmed that my personal data was breached. Because of these breaches, I believe my identity has been misused to create or maintain fraudulent and unauthorized accounts that are now appearing on my credit reports. 

I did not authorize these accounts, and I never gave permission for any lender, creditor, or third party to use my personal information. These negative accounts are the direct result of identity theft caused by these breaches. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), consumer reporting agencies have a legal duty to ensure maximum possible accuracy when reporting information, to conduct reasonable investigations of disputed items ( 15 U.S.C. 1681i ), and to block information that results from identity theft once a valid identity theft report is submitted ( 15 U.S.C. 1681c-2, also known as Section 605B ). 

TransUnions continued reporting of fraudulent and negative accounts without providing proper verification is a violation of these statutory obligations. A simple verified response does not meet the standard of a reasonable investigation under the law. 

I am formally requesting that all accounts connected to identity theft and these confirmed breaches be permanently removed from my credit reports. Any continued reporting of unverifiable or fraudulent information would constitute further violations of the FCRA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HARD INQ : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
On XX/XX/year> I scheduled a money transfer to XXXX through the Wise app around XXXX EST. Normally the transfer from my checking account takes place instantly to around XXXX hours at max. The estimated time for the transfer to be completed for XX/XX/XXXX payment will be on Friday, XX/XX/XXXX. The money was taken out of my XXXX account but has not yet been received by the recipient bank account in XXXX. I tried calling Wise customer service to fix the problem but they could not do anything for me. I have a mortgage and bills that I need to pay in XXXX that I will be charged late fees for starting today and each day following that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I had a loan through affirm for a XXXX XXXX XXXX purchase. I made one monthly installment of XXXX in XXXX and in XXXX I wanted to the pay the remaining balance. It had an option online to pay the remaining balance which said it was XXXX. I paid that and received confirmation in my email that the loan was paid off. Now a month later, they are saying I still owe XXXX. I have spoke with them and they will not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX, ( XXXX ) XXXX, ( Date of Birth ) XX/XX/XXXX, Contents of Complaint : 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 , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of \ 1. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate. 
XXXX XXXX  Account XXXX : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX Account Number : XXXX Please remove it from my credit report. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC Number ) XXXX proof from the US 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 explanation
Consumer complaint received 2025-09-02 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: AL

Complaint narrative:
Subject : Request for Deletion of Inaccurate Charge-Off XXXX Account To Whom It May Concern, I'm formally disputing the reporting of the XXXX account on my credit report. 
This account is marked as a charge-off and derogatory, yet it shows a {$0.00} balance and {$0.00} past due. The remarks also say it was " purchased by another lender '' ( listed twice ), which means the original creditor should no longer be updating or reporting the account in this way. 
Additionally, the payment history is inconsistent. A payment is shown in XX/XX/year>, yet the charge-off wasnt reported until XX/XX/year>, which raises questions about the accuracy of the reporting. 
Based on these inconsistencies and unverifiable information, I am requesting that this account be deleted from my credit report entirely. 
Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information can be reported. If the data can not be verified or corrected, it must be removed. 
Please complete your investigation and confirm the deletion of this account.

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