vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Request for Goodwill Deletion of Closed Account Dear XXXX XXXX XXXX, I am writing to respectfully request the goodwill deletion of a closed account from my credit report. The account information is listed as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX. 
This account has been paid in full and closed in good standing. I greatly appreciate the opportunity to have worked with your organization and recognize the role your credit has played in my financial history. 
I am currently in the process of improving my credit and securing future financial opportunities. Having this closed account removed from my credit report would be a tremendous help in achieving that goal. While I understand that this information is accurate and within the reporting guidelines, I kindly ask that you consider removing it as a gesture of goodwill. 
Please let me know if any further information is needed. I would deeply appreciate your consideration of this request and thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX [ Last 4 digits of XXXX XXXX or Date of Birth XX/XX/XXXX for identification purposes ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
Subject : Request for Goodwill Deletion of Closed Account Dear XXXX XXXX XXXX, I am writing to respectfully request the goodwill deletion of a closed account from my credit report. The account information is listed as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX. 
This account has been paid in full and closed in good standing. I greatly appreciate the opportunity to have worked with your organization and recognize the role your credit has played in my financial history. 
I am currently in the process of improving my credit and securing future financial opportunities. Having this closed account removed from my credit report would be a tremendous help in achieving that goal. While I understand that this information is accurate and within the reporting guidelines, I kindly ask that you consider removing it as a gesture of goodwill. 
Please let me know if any further information is needed. I would deeply appreciate your consideration of this request and thank you for your time and assistance. 
Sincerely, XXXX XXXX XXXX [ Last 4 digits of XXXX XXXX or Date of Birth XX/XX/XXXX for identification purposes ]

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 2025-05-06 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX XXXX  & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

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 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against VANCE AND HUFFMAN LLC regarding an account I have with them XXXX XXXX XXXX XXXX XXXX  I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : VANCEHUFFMAN ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$500.00} Date Opened : XX/XX/year> I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with VANCE AND HUFFMAN LLC but to no avail. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against XXXX regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} Date Opened : XX/XX/year> I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with XXXX but to no avail.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I am highly concerned about this late payment record, as it does not align with my reliable payment history. This situation is distressing, and I respectfully ask for its prompt removal to ensure my account is updated correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against GENESIS CRDT regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : GENESIS CRDT ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$6900.00} Date Opened : XX/XX/year> I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with GENESIS CRDT but to no avail.

Solution Please do a thorough investigation about this matter and provide me with an update on the actions taken to resolve this issue. I would appreciate any guidance you can provide on steps I can take to ensure that this account is correctly removed from my credit report. Noncompliance will result in swift and aggressive legal action.

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
Navy federal credit union I have checking account that I can not use due to using calling 10 times getting different information spoke to a XXXX in fraud refused his last name sent the letter than sent copy of my email to remove block they denied my request he could not tell me why or how to get it opened very disrespectful during the conversation spoke with him XX/XX/year>. I have been sending documents since XXXX/XXXXXXXX still no one has been helping to resolve issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I am writing to file a formal complaint regarding deceptive sales practices and a lack of transparency at XXXXXXXX XXXX  XXXX, where I recently purchased a vehicle on XX/XX/year>. 

The salesperson, XXXX XXXX, quoted me a price that was significantly higher than the one listed on the dealerships own website. He discouraged me from referencing the online pricing, stating that it did not include dealership costs. He repeatedly insisted that the offer he was providing was better than what I would receive elsewhere, using high-pressure tactics to push the sale. 

He quoted {$41000.00} for a XXXXXXXX XXXX XXXX, claiming this already included a {$5000.00} discount, and refused to offer any student rebate, stating the discount had already been applied. However, after further research, I discovered that the same vehicle was listed on XXXX XXXX XXXX website for {$34000.00} including all add-ons. 

To my surprise, the final price came to over $ XXXX extremely high price for an XXXX XXXX model with no meaningful add-ons. When I questioned the salesperson about what extras were included to justify the higher cost, he vaguely mentioned insurance, which was never clearly explained or itemized in the paperwork. 

After realizing the price discrepancy, I attempted to cancel the purchase before taking delivery of the vehicle, but was told that the deal could not be canceled because it had already been submitted to the bank. This contradicts what Ive learned from other dealerships, which allow cancellations before the buyer takes possession. 

I have made multiple attempts to resolve the issue : I contacted customer service and emailed the XXXX XXXX, XXXX XXXX, but received no response. 
I tried reaching the XXXX XXXX through the dealerships helpline, but my calls were never transferred or returned. 
I visited the dealership in person to speak with the salesperson and the finance XXXX, XXXX XXXX, requesting a cancellation or explanation of the charges, but they refused and were dismissive. 

This experience has been extremely frustrating, and I feel I was misled into signing a deal under false pretenses and without full disclosure of costs. I am submitting this complaint in the hope that the Consumer Financial Protection Bureau can investigate this matter and take appropriate action. 

Thank you for your attention and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
on XXXX XXXX wire was sent to Wells Fargo bank from XXXX XXXX. Wire was completed but there was a wire recall requested and wired funds were not received by receipient. Receipient bankj accounat Wells Fargo was closed and my XXXXXXXX XXXX account was closed .. Wire is said to be at Wells Fargo but needs to be mailed as refund to sender, XXXX XXXXXXXX XXXX Good news! Your wire transfer has been processed and sent. Here is the federal reference number for your records : XXXX. 
Wire transfer details From : XXXX CHECKING - XXXX To : WELLS FARGO BANK, NA - XXXX Wire amount : {$7400.00} Outbound wire fee : {$30.00} Your part is done, and you can follow up with the recipient to confirm they've received the funds.

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 2025-05-06 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-05-06 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: FL

Complaint narrative:
I checked my report and saw some inquiries from creditors that I never approved. I'm worried these might be tied to identity theft or fraud. Could you please look into these inquiries and take them off my credit report if they can't be confirmed as authorized? I've attached my letter to the Bureaus, but those inquiries are still showing up on my current 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
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am disputing over {$290.00} in fees and interest that Chase has charged me in XXXX alonedue to a series of transactions with XXXX, which Chase unilaterally and without clear disclosure reclassified as cash advances. 

I used my Chase United MileagePlus Quest Card for what I reasonably believed were standard credit card transactions. There was no indication from XXXX or Chase that these would be treated as cash advances, which come with immediate high interest ( 29.24 % APR ) and {$10.00} {$30.00} fees per transaction. Chase has charged me cash advance interest and fees multiple times between XX/XX/XXXX and XX/XX/XXXX, totaling : $ XXXX in transaction fees $ XXXX in interest charges I did not authorize cash advances, and I was not notified these XXXX purchases would be treated as such. Ive been a loyal Chase customer for over 10 years, and Ive spent hundreds of thousands of dollars through their credit cards. This kind of fee structurewithout warning or consentis deceptive, predatory, and violates reasonable expectations of card usage. 

Chases customer service offered no resolution. I am requesting the full refund of all cash advance fees and interest charges applied in this context, and a commitment from Chase to either : Stop misclassifying digital remittance purchases as cash advances, Or clearly warn customers before such transactions are processed. 

Product : Credit card Issue : Problem with a fee or interest charge Company : JPMorgan Chase & Co . 
Card name : United MileagePlus Quest Card Card type : Visa Date of issue : Charges span from XX/XX/XXXX to XX/XX/XXXX Resolution requested : Full refund of misclassified cash advance fees and interest ; correction of classification policy or full disclosure moving forward

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-05-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: IN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XX/XX/XXXXAccount number : XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX

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