vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

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 2025-07-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Began loan modification process in XX/XX/XXXX with Wells Fargo Mortgage ( WFM ) as my lender. In XX/XX/XXXX was laid off from work and became behind in my mortgage payments. Sought relief from WFM and investigated many options but was run around with three successive WFM home preservation specialists ( HPS ) during over a year. HAMP mortgage program stopped taking new applications XX/XX/XXXX and due to WFM delays HAMP was no longer a viable path. After providing all information and documents many many times for each HPS I received a notice from WFM that I was rejected for all forms of modifications and they would progress to foreclosure. I did receive a notice of r foreclosure and a general auction / clear the house by date. I appealed the WFM decision with Veterans Administration assistance who seemed to pressure WFM into reassessing my P & L and documents for reconsideration. Eventually received loan modification at higher monthly payment and sell off of my mortgage within two years. This created severe stress with my family, credit rating was ruined for four years. I have numerous names, documents, dates and supporting info to provide to substantiate this complaint.

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 2025-07-08 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: IL

Complaint narrative:
XX/XX/XXXX, IL, XXXX XXXX XXXX XXXX Experian XX/XX/XXXXTX XXXX To Whom It May Concern : This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character.

Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process.

By the provisions of 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to dispute incomplete or inaccurate information and requires credit reporting agencies to conduct a reasonable investigation. Please provide me with proof of these items, the method of verification, description of procedures and specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life.

The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : Disputed Item ( s ) : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Issue : [ e.g., Incorrect balance, account reported as late when it was paid on time, account does not belong to me, etc. ] This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly or delete immediately. 
Failure to comply will result in immediate legal action. Under 15 U.S.C. 1681 ( n ), civil liability attaches for negligent or willful violations of the Fair Credit Reporting Act, and I am entitled to monetary damages, punitive damages, and attorney fees.

Please Be Advised : Formal complaints have already been submitted to the Consumer Financial Protection Bureau ( CFPB ), States Attorney Generals Office, Better Business Bureau ( BBB ), and the Federal Trade Commission ( FTC ) against your institution for investigation. 
If corrections are not made within 15 calendar days of receipt of this notice, I will immediately initiate a claim in Small Claims Court seeking full damages allowable under the law, along with additional regulatory escalation.

This letter serves as your final opportunity to rectify these unlawful actions voluntarily. 

Sincerely, 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My credit card was used without my permission for {$15.00} charged on XX/XX/XXXX, and Captial One never made me aware of this charge, instead they sent me a bill on XX/XX/XXXX for {$100.00} ; when I called Captial One to inquire about these charges, they informed me, these were late fees and interest charged to my account for a purchase that occurred on XX/XX/XXXX, this is my first time ever being aware of this. I asked them to remove these charges and still have not heard back from them of a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for multiple violations of federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and privacy laws. 

Violations Summary : 1. Continued Harassment After CeaseCommunication Request - Despite my written demand to cease contact ( sent on XXXX XX/XX/year>, they persisted in texting me again on XXXX XX/XX/year>, violating FDCPA 805 ( c ) ( 15 U.S.C. 1692c ( c ) ).

2. Failure to Validate Debt - Under FDCPA 809 ( 15 U.S.C. 1692g ), I have the right to request validation of the debt, including : * Proof of the amount owed, * The name of the original creditor, * Documentation proving they own or were assigned the debt.To date, the have failed to provide sufficient validation.

1. Unlawful Credit Reporting- If this unverified debt was reported to credit bureaus, it violates FCRA 623 ( 15 U.S.C. 1681s-2 ), which requires accurate reporting.

2. Privacy Violations- By texting me without proper identity verification or mailing a written notice, they potentially exposed my private information to third parties, violating FDCPA 806 ( harassment ) and privacy laws.

Demands : 1. Immediate Cease & Desist - Halt all collection efforts, including calls, texts, and letters.

2. Debt Cancellation - Cancel the debt entirely for failure to provide debt validation and for continuous harassment.

3. Credit Report Correction - Remove all entries related to this debt from my credit reports.

4. No Resale of Debt - Confirm in writing that they will not sell, transfer, or assign this debt to another party.

5. Confirmation of Compliance - Provide written confirmation that all unlawful collection activities have stopped.

Evidence Attached : * Screenshot of unauthorized text messages and my request to stop communication. ( Exhibit A ) This debt collector 's actions constitute harassment, deceptive practices, and a breach of privacy. I request that the CFPB investigate and take appropriate enforcement action. I also reserve the right to pursue legal remedies under the FDCPA and FCRA.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
IM REQUESTING OPEN DATE, CLOSED DATE, DATE OF FIRST delinquency, CHARGE OFF DATE,

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
IM REQUESTING OPEN DATE, CLOSED DATE, DATE OF FIRST delinquency, CHARGE OFF DATE,

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 2025-07-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TRUEBILL, INC
State: MD

Complaint narrative:
Everytime I try to 'login ' ; the system tells me that it can't find the account. When I try to reset my password ; I change it and then, when I login, the system tells me it's the wrong password. Even if I try to 'create ' a 'new ' account ; the system can't find the account it just created. It looks like nobody 'checks " the code that's being used ; and, there's NO WAY TO CONTACT THE COMPANY! 
Thank you for your attention to this URGENT LEGAL MATTER! I WOULD LIKE TO ACCESS MY MONEY AT SOME TIME IN THE FUTURE! 
XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: GA

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Complaint Against Westlake Portfolio Management Improper Debt Collection and Vehicle Repossession Following USA Auto Sales Closure Dear CFPB, I am submitting this complaint to formally report Westlake Portfolio Management for alleged improper debt collection practices and unlawful repossession of my vehicle following the sudden closure of USA Auto Sales, from whom I originally purchased the car.

After USA Auto Sales went out of business, I was never properly notified that Westlake had taken over my auto loan account. I received no advance communication, notice of debt assignment, or payment instructions before my vehicle was repossessed. I only learned of Westlakes involvement after the repossession had already taken place. This situation has caused me financial distress and appears to violat
e multiple consumer protection laws : Georgia law ( O.C.G.A. 11-9-611 ) requires creditors to send notice to borrowers before repossession.

Georgia law ( O.C.G.A. 10-1-31 ) also requires transparent communication and lawful handling of retail installment contracts.

Under the Federal Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector must provide timely written notice of debt ownership and give the consumer an opportunity to dispute it.

I did not receive such notification from Westlake Portfolio prior to the repossession.

The Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) prohibits the reporting of disputed or unverified debts to credit bureaus, yet I believe this debt may have already been reported against me.

I am requesting the CFPBs assistance in investigating this matter and holding Westlake Portfolio accountable for any violations. Specifically, I am asking that : Westlake be required to provide proper documentation proving lawful acquisition of my account.

Westlake provide proof that required notices were sent prior to repossession.

Any negative credit reporting be suspended or removed until proper investigation is completed. 

The repossession and debt be evaluated for legal compliance. 

I have attached any relevant documents I have ( if applicable ), but much of the confusion lies in the lack of communication and documentation from the companies involved. 

Please investigate this matter and ensure that my rights under Georgia and federal consumer laws are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Chainlink Services LLC
State: MI

Complaint narrative:
I received a call from XXXX XXXX with Chainlink Services ( representing XXXXXXXX XXXX XXXX on XX/XX/year>. He contacted me on my cell phone and on my office phone. I disconnected the call and called him back. I asked that he mail me a letter verifying the debt. He initially would not agree to do that but finally agreed. At this time, I asked not to be contacted on my office phone. On XX/XX/XXXX, XXXX XXXX contacted me again on my cell phone and office phone. I told him, that I asked that he not call my office phone and disconnected the call. 

On XX/XX/XXXX I called back to make payment arrangements on the debt. On XX/XX/XXXX, I received another call from XXXX XXXX stating that this is the final attempt to contact me and he would move forward without my input to resolve the debt. 

I also received another call today. I did not answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
I noticed a few hard inquires on my credit report that I did not authorize nor have any knowledge of. The inquires are XXXX XXXX XXXXXXXX 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I ask them to remove due to FERPA and Doge. And I was never updated on status. Never received anything or a resolution

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 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
After over 15 years of loyalty, Ive had enough. Chase Bank penalized me for paying off my credit card and made it clear they no longer value responsible customers. 
I had a card with a {$9000.00} limit. On XX/XX/XXXX, immediately after paying off the balance in full, Chase suddenly and without warning slashed my credit limit to {$1100.00}. When I called, I was told this was part of a routine account review and that they saw things they didnt like. They also said that although this review was based on a soft pull, any attempt to reverse it would require my authorization for a hard credit check further damaging my credit. This is completely one-sided and feels retaliatory. 
I asked if this would happen with my other Chase credit cards ( which still have balances that I planned to fully pay in the next 30 days ), and the representative told me these limit reviews are random, and he could not assure me it wouldnt happen again. So despite not missing payments ( to be fair aside from maybe by a few days 1 time ), I now face the threat of additional credit damage simply for acting responsibly and paying off debt.

Ive always paid on time and used the card for legitimate financial needs. As soon as I had funds, I paid the balance. Instead of being rewarded, I was penalized. 
As a direct result of this treatment : I am removing my personal direct deposits from Chase checking accounts I am closing my business account and moving to another bank I obtained a HELOC through another lender instead of Chase I will not be opening any investment accounts with Chase as previously planned Upcoming major purchases ( a second home and vehicle ) will not be financed through Chase Myself and multiple family members ( representing approximately $ XXXX in deposits ), and three nonprofit organizations I advise, are severing all relationships with Chase Chases decision to reduce my limit immediately after payoff, without notice ( they said they mailed notice after doing it, I am saying there was no notice they will be doing it or checking my accounts to do it ), and with no option to reverse it without further harm, is a breach of trust. Im filing this complaint because I believe this is a predatory and anti-consumer practice that punishes responsible behavior and risks long-term financial harm to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: WI

Complaint narrative:
I am filing this complaint because TransUnion continues to report a debt from XXXX XXXX XXXX ( Account XXXX XXXX ) that has not been properly validated, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

I disputed this account with TransUnion and provided documentation showing that XXXX XXXX XXXX had previously failed to validate the debt through the CFPB. Instead of removing the account, TransUnion simply marked it Verified as Accurate without providing any proof of actual verification. 

I then received a letter from XXXX XXXX XXXX dated XX/XX/year>, in which they refuse to provide any documentation or signed contracts. They cited the case XXXX XXXX XXXX, which is irrelevant to my rights under the FCRA and FDCPA. Their refusal to validate the debt and TransUnions continued reporting demonstrate willful noncompliance with 15 U.S.C. 1681i and 1681s-2 ( b ). 

I find this deeply disrespectful. If they are trying to collect a debt and damage my credit, I have the legal right to see documentation that proves I owe it.

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