vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
I am formally disputing inaccurate, unverifiable, and undocumented information you are reporting on my credit file. These unproven claims violate my rights under the Fair Credit Reporting Act ( FCRA, XXXX XXXX XXXX ), Fair Debt Collection Practices Act ( FDCPA, XXXX XXXX XXXX ), and fail to meet XXXX XXXX reporting standards required by the XXXX XXXX XXXX XXXX ( XXXX ). 

Federal law requires you to report only XXXX XXXX accurate, verifiable, and fully substantiated data. Reporting any information without certified factual evidence constitutes willful non-compliance under FCRA XXXX and XXXX. I demand that you immediately provide physical documentation proving : Full validation of each accounts existence Permissible purpose for each inquiry under FCRA XXXX Legal authorization for any party listed below to access or report my consumer file XXXX XXXX compliance for all data fields as required by CDIA standards Failure to produce this documentation means you are reporting false and unlawful data, subjecting you to legal liability. 

The following items are in direct dispute and must be deleted if proper certification is not immediately provided : Accounts : XXXX - XXXX * * * * XXXX - XXXX * * * * Collections : XXXX XXXX - XXXX * * * * SXXXX - XXXX * * * * Inquiries : XXXX XXXX - XXXX You are required to mail me physical documentation of your findings, your reinvestigation results, and an updated credit file reflecting full compliance. I will not tolerate unverifiable or inaccurate data remaining on my report. If you fail to comply, I reserve my right to pursue all legal remedies available. 

I have included my Personal Tracking Number located in the heading of this document for reference.

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 2025-06-23 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: PA

Complaint narrative:
While reviewing my credit report today, as I regularly do, I noticed unexpected discrepancies that werent there before. I refreshed my browser thinking it might be a technical issue, but the incorrect accounts remained. Given this concern, I kindly ask that the documents I provided be carefully reviewed to prevent this from happening again.

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 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: NV

Complaint narrative:
Westlake financial told Me I can have my truck back if I pay {$1500.00} to get the truck out of Repossession. I paid that amount and because the contract was not made in Nevada after I moved from Illinois to Nevada. They told me I would have to pay XXXX XXXX  of the loan which would be {$14000.00}, but that was the total amount of the truck so it wasnt XXXX XXXX. It was XXXX XXXX of the truck that I had to pay in order to get it back, so It left Me without a vehicle. Until I could make the money to pay it off, but I never paid it off because I could not afford {$14000.00}. So they kept the truck and sold it and theyre still calling me to pay it even though I do not have it, and they sold it to auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I last successfully used the Accounts Payable feature ( formerly Vendor Payments, powered by XXXX ) on my Spark card. Since then, my access has been inexplicably deactivated. 

Despite Capital One confirming on XX/XX/year> that my account is in good standingnot in collections or delinquencythe Digital Department continues to cite a collections status as the reason for the ongoing access issue. Until this erroneous status is resolved, Ive been told the feature will remain inactive. 

On XX/XX/XXXX, I spent nearly XXXX hours speaking with XXXX Capital One representatives across Collections ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX ( XXXX, XXXX, XXXX, XXXX ), and Supervisors ( XXXX, XXXX XXXX, as well as an Account Specialist ( XXXX ). All acknowledged an internal error but admitted they were unable to resolve or escalate it. My FICO score is XXXX, with no past due payments or negative history on any Capital One account. 

No one could explain why or when this adverse action was taken. No one could restore my access or offer a path to resolution. 

On XX/XX/XXXX, I faxed an urgent request seeking reinstatement and a legal justification for the removal of this feature on my account. Please see a copy of the transmission attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My ex girlfriend opened several accounts in my name, these are not my accounts. I want these removed from my credit report right away. 
This is causing a major disruption to my life and an enormous amount of stress. Please remove these accounts from my file. I did not authorize these accounts to be opened.

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 2025-06-24 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: CA

Complaint narrative:
My ex girlfriend opened several accounts in my name, these are not my accounts. I want these removed from my credit report right away. 
This is causing a major disruption to my life and an enormous amount of stress. Please remove these accounts from my file. I did not authorize these accounts to be opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NM

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-24 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: MD

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.

15 U.S.C. 1681 Section 602 A, states I have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I am writing to file a formal complaint against Westlake Portfolio Management for unlawful collection practices and reporting of inaccurate information on my credit report. I do not have, nor have I ever had, any business relationship, contract, agreement, or account with this company. Despite this, they have falsely reported a debt in my name and have attempted to collect payment from me for an account that does not belong to me.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692e, debt collectors are prohibited from using any false, deceptive, or misleading representations in connection with the collection of a debt. Westlake Portfolio Management has violated this provision by : Reporting and attempting to collect a debt that does not belong to me; Failing to provide proper validation of the alleged debt despite requests ; Misrepresenting their right to collect on an account they acquired under questionable legal circumstances. 

Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2, it is illegal to furnish inaccurate or unverifiable information to credit reporting agencies. Westlake Portfolio Management has willfully violated this law by furnishing data that is not only inaccurate, but also not substantiated by any legal or contractual relationship with me.

I am aware that Westlake Portfolio Management is currently involved in ongoing litigation for similar misconduct, where they have been accused of acquiring and attempting to collect on accounts they had no legal right to possess. This appears to be a pattern of fraudulent activity affecting numerous consumers.

I am requesting the following action from the CFPB : Investigate Westlake Portfolio Management for unlawful and deceptive collection practices.

Require Westlake to provide documented proof of the alleged account, including any original contract bearing my signature. 

Demand immediate removal of any and all information related to this account from my credit reports with XXXX XXXX XXXX XXXX 

Enforce compliance with all applicable consumer protection laws and issue appropriate penalties. 

Please consider this a formal request for the CFPB to intervene and hold this company accountable for their illegal and unethical behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I recently opened an account at Chase. To transfer my funds from one bank to another, I wrote a check and deposited it on XX/XX/XXXX. This was my first time using a check, so I wrote the check out to Chase instead of myself. I did this because I wasn't sure if I could write the check out to myself, and since I was depositing it at Chase, I didn't think this was an issue. On XX/XX/XXXX, the check was returned and didn't go through. On XX/XX/XXXX, I received an email that I need to contact them to protect myself from fraud, and that if I didn't call, my account might be closed. I called right away, and as I was talking to an associate, I was hung up on. I called back and was put on hold for about 15 minutes and then was asked a couple of questions about the check I deposited. I gave the explanation and answered every question they asked. This led to them telling me that my account was going to be closed, and that I would be unable to open an account at Chase again. I continued to ask if there was a way we could fix this, as there was no fraud, but they told me that there was nothing I could do about it. I'm reaching out because I feel like this was not fair of them, and I understand them maybe closing my account, but not the fact that I can't open an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: WI

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-06-24 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: PA

Complaint narrative:
The unverified accounts indicated below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance {$23000.00} XXXX XXXX Balance {$32000.00} XXXX XXXX XXXX XXXX  Balance {$14000.00} XXXX XXXX XXXX XXXX  Balance {$15000.00} XXXX XXXX XXXX XXXX Balance {$11.00} XXXX XXXX  XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$8100.00}

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 2025-06-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
An attempt was made to negotiate an alleged debt with XXXX XXXX XXXX XXXX of {$3800.00}. The California Business Bureau Inc sent a letter on XX/XX/year>XXXX  with a medical bill in the amount of {$3800.00} and stated " please be advised the default on the above referenced lawsuit has been placed on hold during our negotiations ''. 

The medical bill is dated XXXX. At this date of service, we had Covered XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX, which is reflected in payments of {$22000.00} on the medical bill. 

Based on the XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Policystat ID XXXX ) it states, " Patients with monetary assets or income level at 400 % or less of the XXXX, will have the entire hospital bill written off regardless of net worth or size of bill ''. 

Therefore, according to the XXXX XXXX XXXX XXXX policy, the entire remaining amount should be written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: TX

Complaint narrative:
I referred my daughter to Chime using my referral link. She opened her account XX/XX/2024, and received a direct deposit of over {$200.00} from the IRS on XX/XX/2024, within the required XXXX window. According to Chimes own FAQ ( which I have saved as both a screenshot and video screen recording ), IRS tax refunds are listed as qualifying direct deposits for the referral bonus. 

Despite meeting all requirements, Chime refused to honor the {$100.00} referral bonus for either of us. I escalated the issue via in-app chat back in XXXX, and again on XX/XX/2024. This included app chat, phone, and email. After over 4 hours of communication including a phone call lasting more than an hour Chime acknowledged that the FAQ says tax refunds qualify, yet still refused to apply the bonus. 

This is misleading, unfair, and an example of bait-and-switch advertising. The support process was also extremely unhelpful and dismissive. I was disconnected and hung up on without resolution or escalation. 

I have attached screenshots from within Chime 's FAQ, stating tax refunds as qualifying direct deposit. 

I also have available for review upon request, a screen recording showing the current date and that FAQ within the Chime app ( which is too large to upload ). 

I hope the CFPB will help enforce a fair resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$310.00} ; XXXX XXXX XXXX  XX/XX/year>. 
Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-06-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
My name is XXXX XXXX. I am filing a complaint regarding a Chase credit card account and a " credit card loan transfer '' that I never authorized. I have never applied for, opened, or authorized a Chase credit card or any type of balance transfer. Despite this, Chase has associated an account with my name and has been sending bills showing a balance of approximately {$1000.00}. 

I have contacted Chase customer service and the fraud department multiple times. One representative initially told me the account was fraudulent, but later, another representative claimed it was not. I do not have access to this account. I have never received a Chase credit card, I do not have an online account, and I have never authorized this balance transfer. 

Out of fear that this account would hurt my credit, I made one payment under pressure. However, I do not acknowledge this debt or the validity of this account. 

I have obtained copies of both my XXXX  and XXXX  credit reports. Neither of these reports shows any Chase credit card account associated with me, which further proves that I do not own or control this account. 

Despite my efforts to dispute this with Chase, they recently sent an email threatening wage garnishment or collections if I do not pay the balance. This is extremely distressing and I believe it to be improper given that I never opened this account. 

I am requesting that Chase fully investigate this account, provide documentation to prove its validity, and if they can not, immediately remove the account and all associated balances. I also request that they refund the payment I made under duress and provide written confirmation that this matter is resolved.

Company response to consumer: Closed with explanation