vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: NC

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX XX/XX/XXXX REPORTING ON TRANS UNION XXXX XXXX XX/XX/XXXX REPORTING ON TRANS UNION XXXX  XXXX XX/XX/XXXX REPORTING ON TRANS UNION XXXX XXXX XXXX XX/XX/XXXX {$600.00} REPORTING ON TRANS UNION XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION XXXX XXXX XXXX REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) XXXX XXXX XXXX XXXX REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) XXXX XXXX REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) XXXX XXXX REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) XXXX XXXX XXXX ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION XXXX XXXX XXXX REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) XXXX XXXX  XXXX REPORTING ON TRANS UNION XXXX XXXX REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) XXXX XXXX XXXX REPORTING ON XXXX  AND TRANS UNION XXXX XXXX XXXX REPORTING ON XXXX  AND TRANS UNION Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

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 2025-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ohio XXXX XX/XX/year> Westlake Financial SVCS XXXX XXXX XXXX. XXXX XXXX CA, XXXX RE : Cease and Desist 15 U.S.C. 1692c ( c ) For Account # XXXX To Whom It May Concern : This letter serves as my formal demand, under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, that you immediately stop all communication with me regarding the alleged debt you claim I owe.

You may contact me only to confirm you will stop contacting me, or to notify me of specific legal action you intend to take. Any other communication will be treated as a violation of federal law, and I will report it to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General.

This notice is sent via certified mail and is effective upon your receipt. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit
State: NJ

Complaint narrative:
I am filing a complaint against Volkswagen Credit for repeated and misleading reporting of a charge-off on my credit file. 
The auto loan account ( ending in XXXX ) was opened on XX/XX/XXXX, and I made my last payment on XX/XX/XXXX. The vehicle was voluntarily surrendered and the account was charged off in XX/XX/XXXX. 
However, Volkswagen Credit continues to report the account as a new " Charge-Off '' ( CO ) every single month for the past XXXX years ( from XXXX through XX/XX/XXXX ). There have been no payments, no activity, and no updates to the account since XXXX, yet the derogatory status is reapplied monthly, which unfairly damages my credit profile and gives the appearance of continuous delinquency. 
Additionally, the High Credit amount on this account alternates between {$12000.00} and {$36000.00} without explanation. This is inconsistent and possibly inaccurate. 
Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report information that is accurate, complete, and not misleading. Repeating the same charge-off month after month for XXXX yearswithout any new delinquency or activityis excessive, misleading, and punitive. I believe this violates both the spirit and letter of the FCRA. 
I request that the CFPB investigate this account and require Volkswagen Credit and the credit reporting agencies to : XXXX. Remove all CO notations after the original charge-off date in XXXX. 
XXXX. Correct or clarify the reported high credit amount. 
I am not disputing the original charge-off, only the excessive and potentially unlawful manner in which it continues to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Somone from Chase called me about one business card past due account and a payment pl; an was built. AT the same time, made another bussines card payment and Chase deciced to close the account. I need to understand if there is any relation between these 2 business accounts. The payment plan for XXXX XXXX will be cancelled and not paid unless Chase reopens XXXX XXXX account, and sends the payment of XXXX + XXXX back to the original account, so I continue to pay on a monthly basis. I made the payment of XXXX to buy merchandise, and now that Chase held my money and close the card, I can not buy anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: FL

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ATG Credit, LLC
State: MI

Complaint narrative:
Subject : Data Breach Dispute Request for Immediate Investigation and Removal of Inaccurate Information Dear : FTC, I am writing to formally dispute inaccurate and harmful information currently appearing in my credit file. This information is directly connected to the XXXX XXXX XXXX XXXX of XX/XX/year>, in which a significant amount of personal and financial information was exposed without my consent. I did receive notification that my account with XXXX  had been breached Pursuant to 15 U.S.C. 1681C-2 of the Fair Credit Reporting Act, I request that you conduct a thorough investigation and promptly remove the following accounts from my credit report, as they appear to be the result of fraudulent activity stemming from the data breach : Additionally I have never had any direct dealing with none of these companies, and have never signed any documentation associating me with them, I have no signed application or sales purchases, none have they provided any original documents. 

XXXX XXXX XXXX ( 2 ) accounts {$1000.00} {$1200.00} XXXX XXXX XXXX {$3100.00} ATG Credit LLC {$6800.00} These accounts are not valid obligations of mine, and I did not authorize their creation or reporting. I have enclosed copies of documentation supporting my claim, including breach notifications and relevant identification records. 

The exposure of my personal information in the XX/XX/year> breach has created a significant risk of identity theft and inaccurate reporting. Under 15 U.S.C. 1581C-2, I have the right to request the blocking of any information that I believe is the result of identity theft or other fraudulent use of my personal data.

I demand that you : Immediately investigate the disputed items.

Block or remove the above-listed accounts from my file.

Provide me with a written response detailing the results of your investigation within the statutory period.

Failure to comply with your obligations under federal law will leave me with no choice but to pursue all available remedies, Thank you for your immediate attention to this matter. I expect a prompt and thorough resolution in accordance with federal law. 

Sincerely, XXXX XXXX XXXX ]

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: COMMERCIAL SERVICES GROUP, INC.
State: MI

Complaint narrative:
Subject : Data Breach Dispute Request for Immediate Investigation and Removal of Inaccurate Information Dear : FTC, I am writing to formally dispute inaccurate and harmful information currently appearing in my credit file. This information is directly connected to the XXXX XXXX XXXX XXXX of XX/XX/year>, in which a significant amount of personal and financial information was exposed without my consent. I did receive notification that my account with XXXX  had been breached Pursuant to 15 U.S.C. 1681C-2 of the Fair Credit Reporting Act, I request that you conduct a thorough investigation and promptly remove the following accounts from my credit report, as they appear to be the result of fraudulent activity stemming from the data breach : Additionally I have never had any direct dealing with none of these companies, and have never signed any documentation associating me with them, I have no signed application or sales purchases, none have they provided any original documents. 

XXXX XXXX XXXX ( 2 ) accounts {$1000.00} {$1200.00} Commercial Services Group {$3100.00} XXXX XXXX XXXX {$6800.00} These accounts are not valid obligations of mine, and I did not authorize their creation or reporting. I have enclosed copies of documentation supporting my claim, including breach notifications and relevant identification records. 

The exposure of my personal information in the XX/XX/year> breach has created a significant risk of identity theft and inaccurate reporting. Under 15 U.S.C. 1581C-2, I have the right to request the blocking of any information that I believe is the result of identity theft or other fraudulent use of my personal data.

I demand that you : Immediately investigate the disputed items.

Block or remove the above-listed accounts from my file.

Provide me with a written response detailing the results of your investigation within the statutory period.

Failure to comply with your obligations under federal law will leave me with no choice but to pursue all available remedies, Thank you for your immediate attention to this matter. I expect a prompt and thorough resolution in accordance with federal law. 

Sincerely, XXXX XXXX XXXX ]

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: NY

Complaint narrative:
I have always met my payment obligations on time. This reported late payment is not accurate and should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: KS

Complaint narrative:
I am disputing an account that appears on my TransUnion credit report which is inaccurate and does not belong to me. The details are : Creditor/Collector : XXXX XXXX XXXX Collection Agency/Attorney ) Original Creditor : XXXXXXXX XXXX XXXX  Account Type : Open Account Date Opened : XX/XX/XXXX Balance : {$3200.00} Date Updated : XX/XX/XXXX This account is not mine. I have never had an account, lease, or debt with XXXX XXXX XXXX, nor have I ever had any dealings with XXXX XXXX Also Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy of the information they report. This account contains a Date Updated of XX/XX/XXXX, which is a future date and is factually impossible. 
I have not received any verification or proof that this debt belongs to me as required under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ).

This false information is damaging my credit score, preventing me from obtaining fair credit terms, and harming my financial opportunities.

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 2025-08-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future

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 2025-08-11 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:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I have been a victim due to inaccurate information on my credit report i request the account no longer be reported or either removed from my credit report. Currently i'm in the home buying process and this has caused me additional issues due to this false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Subject : Urgent Regulation E Violation, Improper Delay via Pre-Arbitration Status To Whom It May Concern, This is a formal demand for immediate compliance with Regulation E ( 12 CFR Part 1005 ) regarding my claim.

I reported unauthorized debit card transactions within the legally required 60-day period. I did not provide my PIN to anyone, did not authorize these transactions, and did not benefit from them in any way. There is no evidence proving I authorized these charges because I DID NOT. 

Bank of America has placed my claim in pre-arbitration status and has stated there is no timeline for resolution. On XX/XX/XXXX XXXX, I spoke with XXXX XXXX on a recorded line, who confirmed that he has no timeline to give me, does not know how long the pre-arbitration stage will last, and could not explain what this stage means for my claim. 

This is unacceptable, unlawful, and in direct violation of Regulation E.

1. Pre-Arbitration Is Not a Legal Excuse to Delay Pre-arbitration is a dispute stage between Bank of America and the merchants bank it is an interbank process, not a consumer process.

Regulation E timelines do not pause or stop because of pre-arbitration.

The 45-day investigation deadline is an outer limit, after which you are required to either ( a ) make a final decision or ( b ) provisionally credit my account. 

Key regulation : Your use of the pre-arbitration stage as a reason to delay my provisional credit violates 12 CFR 1005.11 ( c ), which sets strict timelines for investigation and provisional credit regardless of ongoing interbank disputes.

2. Regulation E Violations by Bank of America I have : Reported the unauthorized transactions within the 60-day window.

Clearly stated that I did not give anyone my PIN or authorize these transactions.

Passed the 45-day mark without provisional credit. 

Regulation E provisions violated : 12 CFR 1005.6 ( b ) ( 3 ) Consumers are not liable for unauthorized EFTs if reported in time.

12 CFR 1005.11 ( c ) ( 2 ) ( i ) Provisional credit must be provided within 10 business days ( 20 for new accounts ) if the investigation is not complete.

12 CFR 1005.11 ( c ) ( 2 ) ( ii ) Investigations must be concluded within 45 days ( or XXXX for certain exceptions ), and provisional credit must already be in place if it goes past 10 days.

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 monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
This is a final demand for the immediate deletion of the above-referenced account from all credit reporting agencies. 

On XX/XX/year>, I disputed this account through the CFPB. Under FDCPA 809 ( b ) and FCRA 611, you were required to provide proper validation within 30 days before continuing any collection activity, including credit reporting.

Instead, you responded by stating you are in possession of documents and that I must request them via U.S. Mail. This is noncompliant with federal law, which requires you to send validation directly once a written dispute is received not require the consumer to submit another request.

More than 30 days have passed since my dispute, and you have : 1. Failed to provide validation of the alleged debt.

2. Continued to report the account to XXXX  and other CRAs without proof.

3. Admitted in your most recent letter that you do not currently have documentation and have forwarded the matter to your client for reinvestigation.

This admission confirms you are furnishing information that is inaccurate, incomplete, and unverifiable, in violation of : FDCPA 809 ( b ) Collection activity without prior validation.

FCRA 623 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate or unverifiable.

Per your own statement, if your client does not provide a specific, timely response, the account will be deleted. Since you have no current validation and are past the legal response period, the deletion should occur immediately, not at some indefinite future date.

Demand : 1. Immediate and permanent deletion of this account from XXXX, XXXX, and XXXX.

2. Written confirmation of deletion within 10 business days.

Failure to comply will result in : Additional CFPB, FTC, and Texas Attorney General complaints.

A lawsuit seeking statutory damages of {$1000.00} per violation, plus all actual and punitive damages, attorneys fees, and court costs.

This is not a request it is a formal legal demand based on your continued violations of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. These accounts and inquiries appearing on my credit file were the result of unauthorized use of my Social Security number. I did not authorize these accounts or inquiries, nor do they relate to any transactions I made. I am not aware of or connected to these accounts in any way.

Under 15 U.S. Code 1681c2, I am requesting that all of the following unauthorized inquiries be removed from my credit report immediately. 

Unauthorized Inquiries : XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  # XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX These inquiries were not authorized and must be deleted. I am requesting confirmation of removal within four ( 4 ) days of receiving this complaint.

Company response to consumer: Closed with explanation