vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I mailed over a dispute letter to XXXX disputing the completeness and accuracy for accounts on my credit report. I recently received a response from XXXX that was issued by them on XX/XX/XXXX that they received my dispute but they would not process it because they are assuming it is from a 3rd party. Im not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that XXXX do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of address.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion / Experian Subject : Formal Dispute of Collection Account XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX, XXXX. ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Dear TransUnion and Experian, I am writing to dispute inaccurate information currently appearing on my credit report. The item in question is listed as a collection account from : Creditor : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$500.00} Date Opened : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( Experian ) Status : Collection / Derogatory Comments : Disputed by consumer I am disputing this account because [ select any that applies and modify if needed ] : I do not recognize this account. 
I have never had a delinquent account with XXXX XXXXXXXX XXXX XXXXXXXX, XXXX. 
This account may be the result of identity theft or mistaken reporting. 
The information reported is inaccurate or incomplete. 
Pursuant to the Fair Credit Reporting Act ( FCRA ), I respectfully request that your office investigate this matter and verify the accuracy of the information with the data furnisher. If the account can not be verified, it must be removed from my credit report. 

Please notify me in writing of the results of your investigation. I have enclosed a copy of my identification and a recent utility bill for verification purposes. 

Thank you for your assistance in resolving this matter promptly. 

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 non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Im attaching a transaction summary I received at your Chase Branch in XXXX, PA on XX/XX/year>, for Account Number Ending in XXXX with the note Further review may result in delayed availability of this deposit ( See Exhibit 1 in the Attachment ).

Im also attaching information for Account Number Ending in XXXX that I also received at your Chase Branch in XXXX, PA on XX/XX/year>, showing a name of XXXX XXXX ( See Exhibit 2 in the Attachment ). 
. 
My questions are as follows : Why would the funds in Exhibit 1 be delayed, as its a United States Savings Bond?

Why does the name in Exhibit 2 show XXXX XXXX when my current Pennsylvania drivers license ending in XXXX shows a name of XXXX XXXX XXXX XXXX, and my former California drivers license ending in XXXX also shows a name of XXXX XXXX XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I made a purchase at XXXX using my personal credit card. I was not clearly informed that a Comenity Bank store credit card was being opened in my name at checkout. I did not knowingly apply for, activate, or agree to open a new credit account. I never received a physical card, welcome kit, or written account disclosures. I also never opted into paperless billing. 

I was unaware that a XXXX credit card account existed until I was notified in XX/XX/XXXX that it was delinquent. According to the statements, two consecutive late fees were assessed : one on XX/XX/XXXX, and another on XX/XX/XXXX. This indicates two billing cycles passed without my knowledge of the account or balance due. I never received any physical statements, despite being charged a recurring {$2.00} paper billing fee, which proves I was not enrolled in e-statements. 

As soon as I discovered the account, I paid the full balance, including interest and both late fees, on XX/XX/XXXX. I then mailed a written goodwill adjustment request to Comenity Bank on XX/XX/XXXX, explaining the situation and requesting removal of the reported delinquency. They refused. 

This derogatory mark was the result of XXXX failure to provide proper disclosure and billing notification, not willful nonpayment. The account was opened under unclear terms, and the first time I was truly aware of its existence was after the damage was done. I am requesting removal of the 30-day late payment ( or deletion of the tradeline ) based on the deceptive enrollment process and failure to provide required account disclosures and notices under TILA/Regulation Z.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WESBANCO BANK, INC.
State: OH

Complaint narrative:
Been at the same bank for years cash my check every Friday last week WesBanco bought my bank and now is requiring a XXXX hold on every check before giving me my XXXX XXXX warning all of my bills our now passed due because of a policy of was never notified about for a merger I was never notified about literally pulled up to a different sign at the building

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute the charged-off account XXXX XXXX XXXX XXXX XXXX XXXX listed under the name XXXX XXXX in the amount of XXXX. This account was fully paid off, and I have enclosed proof of payment for your reference. Therefore, I formally dispute the account and any charges associated with it. 
Under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and applicable state laws, I request that you provide validation of this debt. In accordance with these laws, I expect competent evidence, such as a signed agreement or contract, demonstrating that I had ( or currently have ) any legal obligation to pay the amount you are claiming. 
Please note that any negative information reported on my credit report ( including with XXXX  TransUnion, and XXXX ) related to this debt, if found to be inaccurate or not validated, would violate the FCRA and FDCPA. If you fail to provide adequate proof of the debt, you are required to remove any related entries from all credit reporting agencies.

Until you provide sufficient validation, I request that you refrain from any actions that may negatively affect my credit report.

Failure to respond within 30 days from the receipt of this letter may compel me to take legal action, including filing a claim in small claims court within my local jurisdiction. Should legal action be necessary, I will seek a minimum of {$1000.00} in damages per violation, including, but not limited to, the following : Defamation Negligent Facilitation of Identity Theft Violations of the Fair Debt Collection Practices Act ( FDCPA ) Sections 807-808 Violations of the Fair Credit Reporting Act ( FCRA ) Section 623 ( b ) Please note that this letter is a formal attempt to resolve inaccuracies in your records. Any information you provide will be considered as evidence should further action become necessary.

This letter is solely for the purpose of requesting verification of the debt and is not an admission of any obligation on my part.

I expect a prompt response and anticipate that this matter will be resolved in accordance with the law. 
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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion / Experian Subject : Formal Dispute of Inaccurate Account Reporting Flagship CRD Account Number : XXXXXXXX XXXX XXXX Dear TransUnion / XXXX, I am writing to dispute the accuracy of the information being reported on my credit file related to the following account : Creditor : Flagship CRD Account Number : XXXXXXXX XXXX XXXX Account Type : Auto Loan ( Installment ) Reported Balance : {$8900.00} Past Due : {$8900.00} High Credit : {$19000.00} Status : Collection/Charge-off Date Opened : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX  ) Last Payment Date : XX/XX/XXXX Last Active : XX/XX/XXXX Last Reported : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX  ) I believe the information currently being reported is inaccurate or outdated. The account is being shown as charged off and in collection status with a high balance. I am requesting an immediate investigation into the following : The account 's status as charged off may be inaccurate or not properly validated The date last active and last payment appear inconsistent with standard reporting timelines The reported past due amount may not reflect actual status or any possible payments, insurance settlements, or disputes If this account has been sold or transferred to another party, it should be reported accordingly and closed out with the original creditor Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a full investigation and either verify the accuracy of this information or remove/correct it if it can not be substantiated. 

Please provide written confirmation of your findings. I have enclosed a copy of my ID and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I informed Equifax that there was fraudulent inquires on my credit report. I sent them a letter stay they were fraudulent and a ID Theft report. Equifax, refused to remove it stating they factual inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX  / Experian ] Subject : Dispute of Inaccurate Credit Reporting Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian, I am writing to dispute the accuracy of the information reported on my credit file concerning the following account : Creditor Name : XXXX XXXX Original Creditor : The Bank XXXX Missouri XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Reported Balance : {$520.00} Date Opened : XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( XXXX  XXXX Reported Status : Collection/Charge-off Last Reported Date : XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( XXXX  ) The current credit report reflects this account in derogatory status and indicates it has been disputed by me. However, I am requesting a reinvestigation as I believe the information may be inaccurate, incomplete, or outdated. Specifically, I am requesting : Verification of the validity of this debt. 
Documentation of the original agreement and account activity. 
Confirmation that the debt is being reported in full compliance with the Fair Credit Reporting Act ( FCRA ). 
If the account can not be fully verified or substantiated, I respectfully request its immediate deletion from my credit report. 

Please conduct a reinvestigation into this matter and notify me in writing of the results. If any changes are made to the status of the account, I request an updated copy of my credit report reflecting those changes. 

Thank you for your time and assistance. 

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 non-monetary relief
Consumer complaint received 2025-06-08 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I respectfully disagree with the investigation obtained, handsome, requesting a procedural under section 609 to show how the company was able to verify the accounts below that Ive never authorized : Account name : # XXXX, Account name : # XXXXXXXX XXXX XXXXXXXX XXXX Account name : # XXXX, Account name : # XXXX XXXX  Account name : # XXXX, Account name : # XXXX XXXX XXXX  Account name : # XXXX, Account name : # XXXX XXXX XXXX  Account name : # XXXX, Account name : # XXXX XXXX XXXX XXXX XXXX  Has violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Complaint filed with Synchrony Bank : I am writing to complain about my experience with the CareCredit account. My husband and I have enjoyed and successfully repaid a number of Synchrony Bank credit accounts over the years. We have never had a bad experience until I elected to take advantage to pay for a dental procedure that I could have paid for in cash or with another account. I wished to take advantage of the CareCredit six-months free no interest program. The account administration was a nightmare. We received contradictory statements simultaneously indicating that the account was past due and that it was paid. Multiple telephone calls produced one agreement to waive a late charge when we demonstrated that the accounting was inaccurate and another declining to waive a late charge, not because the accounting was inaccurate, but because the representative stated they could only waive late charge. To remedy the matter, we subscribed to the autopay feature. Despite that, payments were not applied timely or correctly. Eventually we simply paid the balance in full to close the account but refused to pay the outstanding late charge that was applied erroneously and that the creditor would not waive. We continue to receive increasingly higher charges for the unpaid late charge and our account is being reported delinquent to credit agencies. This is unfairly impacting our credit rating as this is the only account being reported as delinquent. 

I do not know the relationship between Synchrony Bank and its various vendors, but the CareCredit program operates in a distinctly different manner than any other Synchrony Bank accounts we have used. Needless to say, we will never use the CareCredit program and we will avoid Synchrony Bank programs going forward if this issue can not be resolved at your level. We are filing complaints with the CFPB and the FTC. An after-the-fact look at posted reviews of this program show that many consumers have been defrauded or otherwise poorly treated by the CareCredit program. 

I would appreciate your considering this consumer complaint regarding CareCredit in context from a formerly satisfied Synchrony Bank customer seeking Synchrony Banks responsible action by directing the cancellation of this debt and appropriate reporting to all credit agencies correcting CareCredits misreporting. I would also recommend that you discontinue this program or otherwise terminate your relationship with whoever is directly responsible for this shame credit service.

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-08 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: AL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-08 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I HAVE BEEN HARASSED MANY TIMES AT WORK BY XXXX, XXXX XXXX XXXX WHICH STILL HAVE IN GOOD STANDING, XXXX XXXX XXXX XXXX XXXXXXXX, CAPITAL ONE, ECT. TO THE POINT I WAS REPRIMANDED BECAUSE OF THE EXCESSIVE CALLS I WAS GETTING FROM THEM. 
I REQUESTED DOCUMENTATION OF WHAT I OWED AND NONE OF THAT WAS PROVIDED TO ME. I EVEN GOT HUNG UP BY ONE THE REPRESENTATIVE BY EXPLAINING TO HER MY RIGHT THAT WERE VIOLATED. 
STILL THIS DAY NO DOCUMENT WAS GIVEN TO ME AND STILL BEING HARASS ON THAT. THEY EVEN CALLED ME ONE TIME AT XXXX XXXX  IN THE MORNING AND I KID YOU NOT. THANK YOU IN ADVANCE FOR ANY RESPONSES.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion / Experian Subject : Formal Dispute of Account Reporting XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Dear XXXX, I am writing to formally dispute information in my credit report regarding the account listed below : Creditor : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Secured Installment Loan Balance Reported : {$210.00} Date Opened : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX  ) Status : Charged Off / Collection / Derogatory Comment : Dispute resolved, reported by XXXX / Account was in dispute - now resolved I am requesting a reinvestigation into this account because [ choose XXXX or more, or adjust as necessary ] : The account was previously disputed and marked as resolved, yet still shows inaccurate or unclear derogatory information. 
The balance and charge-off details appear inconsistent or unverifiable. 
I do not agree with the way this item is being reported now that the dispute is marked " resolved. '' Under the Fair Credit Reporting Act ( FCRA ), I respectfully request that you : Reinvestigate the accuracy of the information being reported. 
Provide verification of the debt and its reporting details. 
Remove or correct the item if the data can not be fully verified or if it is inaccurate in any way. 
Enclosed are copies of my identification and a recent utility bill to verify my identity. Please provide the results of your investigation in writing. 

Thank you for your time and attention. 

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 non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Formal Complaint Against XXXX XXXX XXXX XXXXXXXX for Failure to Provide Credit Report and Inaccurate Reporting Dear CFPB, I am filing a formal complaint against XXXX XXXX XXXX XXXXXXXX, a subsidiary of Experian, regarding the following : 1. Failure to provide access to my consumer report despite multiple attempts via their official website and correspondence.

2. Reporting of inaccurate or unverifiable information not found on my traditional credit reports ( Experian, XXXX XXXX ), which has resulted in significant denials of credit and financial services.

3. Potential violation of my rights under the Fair Credit Reporting Act ( FCRA ) and an environment suggestive of coercion or obstruction, impacting my financial access and well-being.

Under FCRA Section 609, I am entitled to a free and complete disclosure of my consumer report from any agency that holds it. XXXX refusal or technical obstruction violates this right. 

Additionally, I believe XXXX ongoing reporting of unverifiable datawithout giving me lawful access or due process to disputemay fall under extortionate credit reporting behavior, and thus may implicate 18 U.S. Code 894, which prohibits extortion or harm in the collection or use of credit-related information.

Whoever knowingly participates in any way in the use of extortionate means to collect or attempt to collect any extension of credit shall be fined or imprisoned. 18 U.S.C. 894

Company response to consumer: Closed with explanation