vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-06 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: CL Holdings LLC
State: AL

Complaint narrative:
Jefferson Capital put a collection on my credit report when in fact Ive never opened or had an account with them. They said the account was opened in XXXX of XXXX  and thats not true. The original account was opened with XXXX XXXX and has since been closed and wrote off as XXXX and loss and I asked for the XXXX form and I havent received that as of yet, I would like this collection company to be removed off of my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Subject : Chase Bank Wrongfully Denied Fraud Claim Unauthorized Wire Transfers ( $ XXXX ) Dear CFPB Review Team, I am filing this complaint because Chase Bank has wrongfully denied my fraud claim for unauthorized wire transfers totaling $ [ XXXX ] on XX/XX/XXXX and XX/XX/year>. Despite my immediate report, Chase is refusing to refund me, claiming : The OTP ( one-time password ) was sent to my phone as they mentioned The IP address matched my usual location. 
However, I did not authorize these transactions, and Chase failed to properly investigate the fraud before denying my claim.

Key Issues with Chase 's Decision : 1 Unusual Transaction Pattern These transactions are not part of my usual spending history. Given the high-value wire transfer ( $ XXXX ), Chase should have flagged these transactions as high-risk and required additional verification ( e.g., phone call or security hold ) before processing them.

2 Possible Account Compromise Even though the OTP was sent to my phone, I am investigating whether my device, account, or phone number was compromised through malware, SIM hijacking, or unauthorized access. Chase has not provided a full forensic analysis to rule this out.

3 Failure of Chase 's Fraud Detection System Chase should have recognized these transactions as high-risk and prevented them. Under federal consumer protection laws, banks are required to protect customers from fraud.

4 Denial Based on Third-Party XXXX Report Chase claims their decision is based on a XXXX XXXX XXXX report XXXX However, I have requested this report and believe it may contain inaccurate data or incomplete analysis.

5 Request for Chase to Provide Full Fraud Analysis Report I have repeatedly asked Chase to provide : A full fraud risk analysis including geolocation, device details, and internal fraud scoring. 
The exact method of OTP delivery logs ( SMS, push notification, email ). 
Documentation on why these transactions were not flagged for extra verification given their unusual nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
My daughter 's dentist asked her to complete an application for Comenity for a loan to cover dental bills, but then asked me to open because she was declined. I was assured that nothing would be charged without my permission and that they were applying for amount of bills but would apply insurance first and my health savings card if i desired. I get a bill from Comenity for full amount, before services were rendered, before insurance filed, and without my knowledge, consent or permission. When i called Comenity to file a dispute, they refused to permit a dispute. They said i had to get in touch with the dr 's office. The dr 's office did not call back for weeks. I called Comenity repeatedly to get the charge taken off. Finally, the dr 's office returned my call, and reversed the charge in full. Comenity continues to report the account as having a charge 30 days past due. how could i be late in paying a charge that was unauthorized that i told them was in dispute? I have filed XXXX XXXX with each of the XXXX CRAs but Comenity confirms the reporting without an adequate investigation. I did not authorize the charge and certainly should not have any negative reporting. the tradeline should be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
This company deleted a fraudulent account from my credit profile, and then reinstated this debt ; This collection agency never notified me that this debt was being reinserted on my credit profile, and they never validated the debt per the FCRA 611 A5B.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX  THIS COLLECTION ACCOUNT IS NOT MINE, NOR HAVE I EVER HAD ANY BUSINESS WITH THIS COMPANY OR ENTITY.

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 2025-02-06 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: CA

Complaint narrative:
Spoke to XXXX XXXX Equifax employee ID number XXXX XXXX lied about the credit reporting act. REFUSED TO REMOVE XXXX XXXX ACCOUNT FROM MY CREDIT REPORT. 
I WAS ON THE PHONE FOR OVER AN HOUR. 

HE DID NOT KNOW THE LAW OR THE LAW REGARDING IDENTITY THEFT AND REFUSED TO ASK A SUPERVISOR REQUIRING THE LAW OF BLOCKING THIS ACCOUNT OFF MY CREDIT REPORT. 

LEAVING FRAUDELENT AND UNREASONABLE INFORMATION ON MY CREDIT REPORT. HE KEPT TALKING INTO CIRCLES AND THEN KEPT CHANGING REASONS AROUND AND JUST KEPT SPINNING THE CONVERSATION. 

EQUIFAX IS THE MOST LIEING AND UNETHICAL CREDIT REPORTING AGENCY AND NEEDS TO BE ILLUMINATED FROM THE XXXX. FINING EQUIFAX XXXX XXXX IS NOT ENOUGH IT NEEDS TO BE AT LEAST XXXX XXXX DOLLAR FINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Westlake Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXX XXXX XXXX XX/XX/year> Westlake Portfolio Westlake Portfolio Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX Subject : Dispute of Inaccurate Credit Information Civil Liability for Negligence under 15 U.S.C. 1681o Dear Westlake Portfolio Management I am writing to formally dispute inaccurate information that has been reported on my credit file. This letter serves as notice that [ Credit Bureau/Creditor ] has negligently failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681o, which provides for civil liability when an entitys negligence results in harm to a consumer. 

Disputed Information : Account Name/number : Westlake Portfolio Management XXXX XXXX ) Nature of the Error : [ Explain the incorrect information and why it is inaccurate ] I have previously attempted to resolve this matter by [ mention prior disputes, if any ], yet the inaccurate information remains on my credit report. This failure to correct or investigate the disputed information in accordance with FCRA guidelines constitutes negligence. As a result of your non-compliance, I have suffered [ mention any financial harm, denied credit, increased interest rates, etc. ]. 

Legal Obligations & My Rights : Under 15 U.S.C. 1681i, credit reporting agencies and furnishers of information are required to conduct a reasonable investigation of disputed items. Failure to do so is considered a violation of my rights under the FCRA. Furthermore, under 15 U.S.C. 1681o, any party that negligently fails to comply with FCRA requirements is liable for : Actual damages sustained by the consumer, Court costs and reasonable attorneys fees, if legal action is necessary.

Requested Action : I formally request that you : Conduct a proper investigation into this dispute. 
Remove or correct the inaccurate information. 
Provide written confirmation of the corrections. 
Supply me with an updated credit report reflecting these changes.

If you fail to comply with the FCRAs requirements, I am prepared to pursue all legal remedies available to me, including seeking damages under 15 U.S.C. 1681o. Please consider this letter a final opportunity to resolve this matter amicably.

I expect a response within the legally required 30-day timeframe. Please send all correspondence to my address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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 listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$63000.00} Late/Open XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$850.00} XXXX DEPTEDXX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$210000.00} Late/Open Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$63000.00} Late/Open XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$850.00} XXXX DEPTEDXX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$210000.00} Late/Open Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/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 non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
ACCOUNT NAME : XXXX  XXXX ACCOUNT NUMBER : XXXX Month/Year of Late Payment : XX/XX/year> XX/XX/year> The following inquiry needs to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-02-06 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: KY

Complaint narrative:
These mistakes are dragging down my score, holding me back from opportunities, and causing unnecessary stress. Its exhausting to feel like my future is being limited by something so avoidable.

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 2025-02-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX Account number - XXXXXX/XX/XXXXXXXX - Account number XXXX XX/XX/XXXX - Account number - XXXX XX/XX/XXXX - Account number - XXXX XXXX XX/XX/XXXXXXXX XXXX - Account number - XXXX XX/XX/XXXX Important dates Inquiry date XXXX XXXX, 2023 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

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 2025-02-06 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: EQUIFAX, INC.
State: MI

Complaint narrative:
In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX XXXX Account number - XXXXXX/XX/XXXXXXXX - Account number XXXX XX/XX/XXXX - Account number - XXXX XX/XX/XXXX - Account number - XXXX XXXX XX/XX/XXXXXXXX XXXX - Account number - XXXX XX/XX/XXXX Important dates Inquiry date XXXX XXXX, 2023 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than Records of convictions of crimes which antedates the report by more than seven years.

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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g LATE PAYMENT CODE 15 USC 1681 BA2 LATE PAYMENT CODE 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other ad
verse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2025-02-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other ad
verse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with explanation