vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
I been paying XXXX since XXXX of XXXX  on XX/XX/year> I tried to refinance my car loan with a company called XXXX they were able to get me to a XXXX XXXX interest rate and affordable car payment. When they tried to retrieve title from loanmart they notice that all co-signers did not sign off on title loan and they told me they can not refinance the car with all parties signing off on the title loan. When I called loanmart and asked them why they did not ask me to get the other co signer to sign off on the loan when I filled everything out they told me they didnt need it however I cant refinance without the other co signer signing off on this. I expressed my concerns to loanmart and they told me theres nothing they can do. Therefore Im not stuck after paying them {$12000.00} in interest every month Im not stuck in a position to lose my car because they did not have all parties sign off on loan. I need serious help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX  XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX  XXXX - Incorrect Personal XXXX has violated my rights. 

I looked at my credit bureau 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 generally, after any reinvestigation under paragraph ( XXXX ) 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.

15 U.S.C. 1681B ( 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. I kindly request that you block this information from my credit report within XXXX business 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 explanation
Consumer complaint received 2025-08-22 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 formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint against JPMorgan Chase regarding their handling of a dispute for merchandise I never received. 

I purchased clothing from XXXX for a total amount of {$660.00} on [ XX/XX/year>. The items were never delivered to me. I filed a dispute with Chase, and after reviewing my claim, Chase refunded the transaction. On my statement, the refund was labeled as a reversal, which indicates a final resolution in my favor not as a provisional credit. 

Because it was labeled as a reversal, I reasonably believed the matter was settled and that the funds were permanently returned to me. At no point was I informed that this refund could be temporary or later withdrawn. 

Over a month later, Chase unexpectedly took the money back from my account and claimed that the merchant had won the dispute and they werent able to recover the money from them. I was never shown or provided a copy of the evidence the merchant submitted. To this day, I have not received the merchandise I paid for. 

I believe Chase mishandled this dispute for the following reasons : The refund was improperly labeled as a reversal, misleading me to believe the case was closed in my favor, when in fact it was not. 

Chase did not clearly disclose that the refund was temporary or subject to reversal, which is unfair and confusing to consumers. 

Chase has refused to reopen the case or provide me with documentation of what evidence the merchant submitted. After i called today i was told there was nothing else they can do, my best bet would be to file a complaint with a XXXX party. 

Under Regulation E, I have a right to protection in cases of unauthorized or undelivered goods. Chase has failed to uphold this responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-22 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: CA

Complaint narrative:
There is a fraudulent account reporting on my credit reports and I have provided Transunion with my identity theft report but without any success. They have not removed the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I previously file a complaint about the same issue and the company response responded, and the complaint was closed. Company saying they closed the account already and they want me to come to the branch, i actually called them today and I told them thats the issue like theres no branch in Oklahoma so how can I go to the branch and all my money still stuck there and they told me straight up theres no other option theres no other way to fix it, you have to come to the branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
Please Note that this is the XXXX creditor company that apparently has purchased This Debt from XXXX XXXX in the amount of {$700.00}. They continuously send me emails and are reporting to the credit bureau that this is in collections. I will not pay a debt that is NOT Mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WSFS FINANCIAL CORPORATION
State: NY

Complaint narrative:
Under 15 U.S. Code 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incomplete, inaccurate, or misleading.

4. Reporting misleading or unverifiable information violates 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. I am requesting that the inaccurate and misleading remarks associated with this account be deleted or corrected immediately to reflect accurate reporting. Since there are no delinquencies, the current status is misleading and damaging to my credit profile.

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 2025-08-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I simply needed to update my address on file. I went and logged in to my online account portal and attempted to update my address. Even after being able to edit and submit it said ERROR and that I had to call to update.

So I called from work and verified all of my personal information ( SSN, phone number, name, etc. ). Then they tell me they can't help me because I called from my work number and not the number attached to my account and I need to call back and start over from my personal device. I said fine and called back. 
I re-verify all my information again in addition to providing the code that was texted to me from them on my personal phone. I share my new address, he then tells me he can not help me and update my address because now I need to provide proof of residence ... that is BEYOND unnecessary and I said so. Asking for a supervisor to which they had none, and they refused to do anything for me. They said I could try calling back in 3-4 days and complete the proof of residence. 
I said no because this is not the XXXX nor is it XXXX. I have NEVER been asked for or needed to provide a proof of residence to simply update my address. Especially after verifying all my personal information multiple times. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... none of those other bigger financial institutions asked for that as it is nonsense. 
For arguments sake, if I wanted to have my statements and mailed to a parents house or alternate address I didn't live at, I should be able to. And how would anyone provide proof of residence for that? They couldn't.... which is why I find it inappropriate and unnecessary to demand such a thing and refuse to make any updates without it. 
My new address is also updated within the XXXX and XXXX XXXX so there is no reason to need anything from me aside from verifying I am who I am and that I am the account holder with my personal information. Proof of residence is uncalled for and beyond unnecessary. I even work for a FI and we do not require proof of residence for address updates. 
They had rather make notes to my account to never send me any mail for any reason ever, than to just simply update my address. I currently have my old address on file because they refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am writing to formally file a complaint against Bank of America regarding their recent decision to close my bank account and the subsequent reporting of inaccurate information to XXXX XXXX XXXX XXXX XXXX XXXX. I strongly believe this incident is not only unjustified but may also involve elements of discrimination. 

Bank of America closed my account XX/XX/year> without proper explanation, citing a vague or false reason which I believe does not reflect any actual wrongdoing or violation on my part. When I requested specific information, the bank failed to provide clear justification for the closure. Furthermore, the bank reported incorrect and damaging information to XXXX XXXX XXXX, which could severely impact my ability to open accounts elsewhere and manage my financial life. 

I have reviewed my activity and there is no rational basis for their claims. I maintain that my account was used responsibly and in accordance with their terms and conditions. The only explanation I can reasonably conclude, based on how this matter was handled, is that I may have been subject to discriminatory treatment. I urge the CFPB to investigate whether Bank of America has acted in compliance with fair banking practices, the Fair Credit Reporting Act ( FCRA ), and anti-discrimination laws such as the Equal Credit Opportunity Act ( ECOA ).

As a consumer, I deserve transparency and fair treatment. I respectfully request that : 1. The CFPB investigate the reason for the account closure and the nature of the report submitted to XXXX XXXX XXXX. 
XXXX. Bank of America be required to provide clear documentation supporting their actions. 
XXXX. Any false or misleading information reported to XXXX  be corrected or removed immediately. 
XXXX. The CFPB examine whether XXXX  XXXX XXXX practices in this case were discriminatory in nature. 

Attached to this letter are any relevant documents I have, including correspondence from Bank of America, my XXXX  report, and account statements if needed. 

I appreciate your attention to this matter and hope for a swift and just 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 non-monetary relief
Consumer complaint received 2025-08-22 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: CA

Complaint narrative:
XX/XX/XXXX To : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Identity Theft Dispute Fraudulent Credit Card Accounts To Whom It May Concern, I am the victim of identity theft, and my personal information was compromised in recent data breaches, including the Equifax Data Breach and the XXXX XXXX XXXX XXXX. As a result, multiple fraudulent credit card accounts have appeared on my credit reports with Experian, Equifax, and TransUnion. 

The following accounts are not mine and were opened without my knowledge, consent, or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2100.00} I have never applied for, opened, or maintained any accounts with these creditors. I have attached my FTC Identity Theft Affidavit, a copy of my government-issued ID, and proof of address for your records. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to block and delete any information resulting from identity theft once you have received appropriate proof. The following provisions apply : 15 U.S.C. 1681c-2 ( FCRA 605B ) : Requires consumer reporting agencies to block identity theft-related information within 4 business days upon receipt of a valid request and supporting documentation.

15 U.S.C. 1681i : Requires reinvestigation of disputed items and deletion of any unverifiable or fraudulent accounts.

15 U.S.C. 1681e ( b ) : Mandates reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681n & 1681o : Establish civil liability for willful and negligent noncompliance.

Demand : I demand that these fraudulent accounts be permanently deleted and blocked from all three of my credit files immediately. Please provide written confirmation of the removal to me within 15 business days.

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the Attorney Generals Office. I will also pursue all available legal remedies for any continued violation of my rights under the FCRA. 

Sincerely, 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 2025-08-22 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:
Identity was stolen around or about 2022 and numerous credit card accounts were opened with my personal information. Upon discovering this I contact all 3 bureau 's and immediately filed disputes for the fraudulent accounts.

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 2025-08-22 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:
I am filing this complaint against TransUnion for violating my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, by failing to conduct a lawful reinvestigation within the required 30-day timeframe and for continuing to report fraudulent and unverifiable accounts on my credit report. 

On XX/XX/year>, I submitted multiple written disputes to TransUnion identifying accounts and inquiries that do not belong to me, including but not limited to : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Despite providing TransUnion with clear notice, they have failed to : Complete the reinvestigation within 30 days as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Provide me with a description of their reinvestigation procedures as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Remove unverifiable or fraudulent accounts and inquiries that lack a consumer-signed contract, violating 15 U.S.C. 1681e ( b ) which requires maximum possible accuracy.

Comply with Metro 2 reporting standards, as the continued reporting of unverifiable and fraudulent accounts constitutes inaccurate data furnishing and a breach of required reporting guidelines.

These failures have caused me serious harm, including : Denial of credit opportunities.

Negative impact on my credit reputation.

Emotional distress due to TransUnions willful disregard of my consumer rights.

Legal Violations 15 U.S.C. 1681i Failure to reinvestigate within 30 days.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide a description of reinvestigation procedures.

Metro 2 Compliance Continued reporting of unverifiable/fraudulent accounts and inquiries.

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