vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX ) XXXX | Email : XXXX TransUnion TransUnion Consumer XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/year> Subject : Formal Dispute Regarding Inaccurate Information of My Credit Report DearTransUnion : I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by Federal Law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing Sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Falling to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

Please review the inaccurate information being reported. Under the FCRA, you are required to : 1. Conduct a proper investigation into my dispute.

2. Inform me of the results of your investigation in a clear and comprehensible manner.

3. Provide me with any documentation you rely on if the disputed information is verified as accurate.

4. Ensure that inaccurate or unverifiable information is corrected or removed from my credit report promptly.

5. If the investigation concludes that the information can not be verified or remains inaccurate. I request the immediate removal or correction of this information from my credit report.

Furthermore, I request written confirmation of the actions you take in response to this dispute. If you fail to resolve this matter, I reserve the right to escalate the issue with the CFFB and other appropriate agencies.

Thank you for addressing this matter promptly. I look forward to your response within the legally mandated 30 timeframe. 

Sincerely, XXXX XXXX Note : Subject to : 15 U.S.C. 1692, also known as the Fair Debt Collection Practices Act ( FDCPA ), and 15 U.S.C. 1681 is part of the Fair Credit Reporting Act ( 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 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Pen fed left a hard inquiry on my XXXX credit file Document says XXXX Pen Fed is reporting and inaccurate score of XXXX via XXXX You can't be denied credit due to credit score, credit history, or income. Any adverse actions in consumer credit transactions is illegal. 15 USC 1691 & 12 CFR 1002 Hard Inquiries Must Show a Matching Account Within a Reasonable Time '' If a hard inquiry appears, but no account was ever opened within a reasonable window ( XXXX days ), under FCRA 604 ( a ) ( 3 ), They pulled your credit for no outcome = no permissible purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XXXX  XX/XX/XXXX, I went to the Bank of America branch located XXXX XXXX XXXX XXXX XXXX to cash a check drawn on Bank of America. The check was given to me by a client as a retainer for legal services and before I commenced the services I wanted to make sure the check was " good ''. I presented myself with my driver 's license and the check and I told the teller I wanted to cash the check. He asked if I had an account at Bank of America and I told him " NO '' After some time on his computer he said he had to get the manager who came to the counter and also looked at his computer. The manager told me that I could not cash the check and I asked if it was because of " insufficient funds. He said that was not the issue but I had to go and deposit it into my bank and let it go through the banking channel. 
I protested and told him I have a valid ID and a check drawn on his bank and there should be no reason not to cash the check. He disagreed and gave me his card. XXXX XXXX XXXX XXXX XXXX XXXX. 
I contacted the XXXXXXXX XXXX XXXXXXXX and was told that BOA is a Federally Chartered Bank and to contact this agency. Do they have the right to refuse?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: World Acceptance Corporation
State: AL

Complaint narrative:
I dispute this account. I request full validation, including payment history, charge-off details and 1099 form. If not verified under the Fair Credit Reporting Act, please delete it for inaccurate reporting. I see that this account has a written off status and My information has been sold to another company without my permission which is and violation of 15USC 1692c ( a ) ( 6 ) ( b ) ( c ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I submitted a credit card application on XX/XX/year> through Wells Fargo. There was a delay with the application, and on XX/XX/year>, I requested to withdraw my application. Wells Fargo has refused to withdraw my application per my request. I called again on XX/XX/year> and asked to cancel my application after I received a letter saying it was going to be denied and would reflect negatively on my credit report due to my incomplete application. The representative said there is no way to cancel your application after you proceed with it, and it will need to be declined by the bank for it to be cancelled. 
I feel Wells Fargo is acting in a manner that forces potential customers to follow through with their credit card, or they will receive a negative mark on their credit report. 
Unfortunately, for me to avoid this negative mark on my credit report, I have no option but to follow through with this application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On Wednesday, XX/XX/XXXX at approximately XXXX ET I called Chase Bank 's credit cards division ( at XXXX ). 

Per the terms of service, I asked to be opted out of the Visa Account Updater. This is a feature which stores digital tokens that allow a card to be charged on a recurring basis, so that if a card is reissued with a new number, the charges continue to apply. I wished to opt out of this feature. 

I was told by Chase that they have no way of doing this and that there was no one to escalate my complaint to. It was recommended that I submit a secure message through the application. 

I spoke to Visa and they said this claim was incorrect. Visa referred me to the relevant section of the Visa Account Updater FAQ ( attached ), which clearly states that this responsibility lies with the issuer ( Chase, in this case ). 

Later that day on XX/XX/XXXX, I submitted a secure message ( attached to this complaint ). The message response was generic, unhelpful, and not responsive to my query. I am escalating to the CFPB to seek a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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 listing accounts 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 has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: MI

Complaint narrative:
According to 15 U.S.C. 1681B a credit inquiry may only be made under certain circumstances and for permissible purpose. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report. The following inquiries were not authorized by me, and I request that they be removed from my credit report 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
According to 15 U.S.C. 1681B a credit inquiry may only be made under certain circumstances and for permissible purpose. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information on my credit report. The following inquiries were not authorized by me, and I request that they be removed from my credit report 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: LA

Complaint narrative:
I've recently received a copy of my credit report and notice several inaccuracies and unauthorized accounts/informations 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 2025-05-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I am the co-signer on a vehicle loan financed through Ally Financial for my daughter, XXXX XXXX. In XX/XX/year>, she submitted her regular payment on time. However, Ally Financial misapplied that payment to an unauthorized loan extensionan agreement that neither of us agreed to, signed, or were made aware of. As a result, Ally reported the account as delinquent. 

This error caused my credit score to drop by XXXX points, which severely impacted my ability to refinance my home. I have contacted Ally multiple times, and while they have acknowledged the mistake internally, they have not formally corrected the error or updated the credit bureaus to remove the delinquency. 

I am requesting your help in investigating this matter and ensuring Ally Financial corrects the reporting, removes the delinquency from my credit file, and restores my credit to its previous standing. This inaccurate reporting violates the Fair Credit Reporting Act and has caused financial hardship through no fault of my own. 

Supporting documentation is available, including a letter sent to Ally and a copy of the credit report showing the delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I applied for paid family leave through XXXX the process was lengthy and it took time to receive my benefits and the day XXXX put the funds on the XXXX XXXX card I tried to transfer funds to another account well it didn't work so I called money network and they said without any reason that they had to close my account and mail me a check for the funds I received .They didn't tell me why and they wouldnt transfer the funds to my other account now it's been another week since then and still no funds .The money was already in the account I was looking at the balance of XXXX dollars I had been waiting for weeks actually months and they straight didn't give a XXXX they said they had to send a check but never said why. They were rude and gave no other option to access my funds any quicker.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I submitted multiple complaints to TitleMax corporate regarding deceptive loan practices, misrepresentation of terms, and an unaffordable repayment structure. After acknowledging my complaints, corporate directed me to resolve the matter at the original store, stating that they were open to reaching a mutually satisfactory resolution. I visited the store in good faith on XXXX XXXX and presented a written settlement offer totaling {$4200.00} ( 60 % of the original {$6700.00} loan ). 

The store manager confirmed they were aware of my OCCC complaint but stated that corporate had not provided them with any instructions or notated my account regarding a settlement. I was told the only offer they would consider was an additional {$5000.00} on top of the {$2200.00} I have already paidbringing my total repayment above the original principal, which defeats the purpose of a fair resolution. 

I also contacted the collections department and spoke to a representative named XXXX. He continued to redirect me to the store and repeated himself multiple times without acknowledging the complaint history or the fact that the issue had been elevated to corporate. He stated that if I was not trying to resolve the past due balance, there was nothing further to discuss. 

This experience has made it clear that TitleMax is creating a misleading appearance of being open to settlement, while in reality, they have failed to take any actual steps to resolve the matter. If there were true intent to settle, they would have notated my account with the terms they were willing to offer. Instead, I am being sent in circles with no transparency, no accountability, and no resolution which continues to mislead and frustrate my efforts to resolve this account. 

My final offer is {$2000.00}, which brings my total payments to 60 % of the original loan amount. I am not willing to pay anything unreasonable or inflated. I believe a fair resolution would be for TitleMax to : Clearly notate my account with a settlement amount they are willing to accept, Resolve the issue consistently at both corporate and store level, And stop creating the false appearance of good-faith negotiations while failing to act on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
XXXX. I received a response here in attachment from Equifax about XXXX XXXX XXXX XXXX XXXX late payments. I have enclosed that response to Consumer Finance Protection Bureau ( CFPB ) in attachments herein. 

XXXX. I have additionally enclosed a fully executed Loan Modification with XXXX XXXX XXXX which XXXX any debate shows that all prior late payments prior to this XX/XX/year> Loan Modification which shows all prior late payments were done incorrectly and need to be removed from credit report which hasn't even happened yet. The XXXX modification is enclosed herein as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I logged in to my mobile banking app ( Bank of America ) and noticed multiple fraudulent charges on my account. I called them to dispute the charge and file a fraud claim. They said they would credit me the full amount ( ~ {$800.00} ) but only credited me half the amount. The informed me that it would take XXXX business days to review. It took more than that, and I was notified on a Saturday when their fraud department is closed. The reasoning given for the denial of my claim is that the charge occurred through a recognized device, no further information provided. These are charges, mind you, that include foreign transaction fees- hotels and/or resorts in XXXX. I do not have a passport, have never been out of the country, and have never made any foreign purchases on my account. No additional information on the merchants were provided, so I can not call them to remove the charge or find any additional information.

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 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: AL

Complaint narrative:
Ability Recovery Service Account # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " certified mail '' with receipt displaying my signature. If not please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
rencently I reviewed my credit report and I saw hard inquieres and i don't regconize these. This affecting my ability to obtain fair credit

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