vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally report Experian and Equifax for its failure to properly investigate and reinvestigate my consumer dispute, which constitutes a violation of my rights under the Fair Credit Reporting Act ( XXXX  ). 
Under XXXX U.S. XXXX XXXX ( a ), Experian is legally obligated to conduct a reasonable reinvestigation of any item of information in a consumers file if the completeness or accuracy of such information is disputed by the consumer. Despite my submission of a formal dispute with supporting documentation, Experian failed to conduct a thorough and meaningful reinvestigation, and it appears no reasonable effort was made to verify the accuracy of the disputed information. 
Furthermore, XXXX U.S. XXXX XXXX ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. XXXX failure to correct or adequately address the disputed information after notification reflects a clear neglect of this responsibility. 
As a result of XXXX noncompliance, my rights as a consumer under federal law have been violated, and I have suffered ongoing harm, including damage to my credit standing and the emotional distress caused by being subjected to inaccurate credit reporting. 
I respectfully request the CFPB to take appropriate enforcement action and ensure that Experian is held accountable for these violations. I am also requesting a full investigation into XXXX dispute resolution practices and a correction of the inaccurate information on my credit report. 

Please advise me on the next steps that may need to be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express has reported my account as a charged-off debt to the credit bureaus ( XXXX, XXXX, and XXXX  ) yet has failed to issue IRS Form XXXX as required under XXXX U.S. Code XXXX. This violates federal tax law and conceals the true nature of the alleged discharge or monetization. Despite multiple requests, Amex refuses to clarify the disposition of the debt or whether it was sold, securitized, or otherwise monetizedtriggering potential reporting obligations under XXXX, XXXX, and federal tax codes. I have mailed certified letters and received dismissive or vague responses confirming continued negative reporting while denying cancellationdespite the account being listed as Closed by XXXX XXXX. This is misleading, unfair, and constitutes a pattern of deceptive practices in violation of FCRA and consumer financial protection laws. I am asking the CFPB to investigate Amex for credit reporting abuse, tax violations, and failure to provide truthful, complete, and lawful documentation regarding my alleged obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: MA

Complaint narrative:
Westlake Financial is inaccurately reporting an auto loan as a charge-off with a past-due balance of {$16000.00} to all three major credit bureaus, despite conflicting payment history, inconsistent dates, and no validation or proper legal notices ever being issued. The account shows a charged off as bad debt status and profit and loss write-off across XX/XX/XXXX andXX/XX/XXXX with XX/XX/XXXXlabeling it as charged off, but still all three report the account as past due for the full amount. 

The last payment is listed inconsistentlyXX/XX/XXXXshows XX/XX/XXXX2025 andXX/XX/XXXX showsXX/XX/XXXX2025violating accuracy requirements under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ). Additionally, I was never sent a right to cure notice, repossession warning, or deficiency balance disclosure, which is required under Massachusetts General Law Chapter 255B 20B and Uniform Commercial Code ( UCC ) 9-611 and 9-614. I disputed this account, yet the credit bureaus and Westlake continue to furnish derogatory data without fully investigating, in violation of FCRA 1681i and 1681s-2 ( b ). 

Case law such as XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) confirms that even technically accurate reporting can be misleading and actionable when derogatory data continues after settlement or charge-off. I have also not received any legally required post-default communications, including itemization of the debt, validation under FDCPA 809 ( b ), or notice of vehicle disposition. The accounts current Metro 2 coding also conflicts with credit industry data reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint due to numerous reporting errors regarding a XXXX XXXX XXXX XXXX credit card account on my credit reports from Experian, Equifax, and TransUnion. The information being reported is inaccurate, inconsistent, and misleading violating the Fair Credit Reporting Act ( FCRA ).

Here are the specific issues : Conflicting Account Statuses : One bureau reports the account as open, while the others report it as charged off/closed. A debt can not be both open and charged off its one or the other.

Different Account Numbers Across Bureaus : The same account is being reported with three different account numbers. This inconsistency creates confusion and makes it difficult to verify the accounts legitimacy or history.

Inconsistent Credit Limits : One report shows a {$0.00} limit, while another shows a limit of {$11000.00}. This causes an artificially high credit utilization rate, impacting my score.

Inaccurate Payment History : One bureau shows no payment history, one shows 83 % on-time payments, and another shows 0 % on-time payments. These can not all be true.

Conflicting Remarks and Statuses : Remarks include : " Consumer Disputes After Resolution, '' " Dispute Resolved Consumer Disagrees, '' and Unpaid Balance Reported as a Loss. These remarks contradict each other and are being reported inconsistently. 


Violations of FCRA Sections : Under FCRA 1681e ( b ), credit bureaus are required to maintain maximum possible accuracy.

Under FCRA 1681i, they must properly investigate disputes.

The differing data points, incorrect statuses, and unverified account numbers show a clear lack of proper procedures and verification.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint due to numerous reporting errors regarding a XXXX XXXX XXXX XXXX credit card account on my credit reports from Experian, Equifax, and TransUnion. The information being reported is inaccurate, inconsistent, and misleading violating the Fair Credit Reporting Act ( FCRA ).

Here are the specific issues : Conflicting Account Statuses : One bureau reports the account as open, while the others report it as charged off/closed. A debt can not be both open and charged off its one or the other.

Different Account Numbers Across Bureaus : The same account is being reported with three different account numbers. This inconsistency creates confusion and makes it difficult to verify the accounts legitimacy or history.

Inconsistent Credit Limits : One report shows a {$0.00} limit, while another shows a limit of {$11000.00}. This causes an artificially high credit utilization rate, impacting my score.

Inaccurate Payment History : One bureau shows no payment history, one shows 83 % on-time payments, and another shows 0 % on-time payments. These can not all be true.

Conflicting Remarks and Statuses : Remarks include : " Consumer Disputes After Resolution, '' " Dispute Resolved Consumer Disagrees, '' and Unpaid Balance Reported as a Loss. These remarks contradict each other and are being reported inconsistently. 


Violations of FCRA Sections : Under FCRA 1681e ( b ), credit bureaus are required to maintain maximum possible accuracy.

Under FCRA 1681i, they must properly investigate disputes.

The differing data points, incorrect statuses, and unverified account numbers show a clear lack of proper procedures and verification.

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 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
XXXX BANK DE XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion, I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction that I have made. My personal information has been compromised through Equifax data breach, XXXX data breach and LoanCare data breach. 

Please remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

The fraudulent credit card accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not owe : XXXX XXXX XXXX XXXX XXXX XXXX are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
To Whom It May Concern, I am writing to formally appeal the recent suspension of my Venmo account ( @ XXXX XXXX XXXX which I have used without issue for nearly XXXX years. On Wednesday, XX/XX/XXXX, I was informed that my account was permanently closed due to alleged violations of Venmo 's User Agreement. However, I was not provided with any specific details regarding the nature of the violation, despite my efforts to obtain more information from the account XXXX assigned to my case. 

I would like to offer context that may be relevant to your decision : On XX/XX/XXXX, I received a payment from an individual I know personally, XXXX XXXX. The following day, on XX/XX/XXXX, I received a request from her for the funds to be returned, citing a scam. I want to state unequivocally that this transaction was legitimate, consensual, and not in violation of XXXX XXXX XXXX XXXX. We confirmed the last XXXX digits of my phone number prior to the transaction to ensure accuracy, and I have attached a screenshot of our conversation as supporting documentation. 

If this is not the reason why my XXXX account was suspended, then I'm not sure what else I could have been doing that would jeopardize the use of my Venmo account. To my knowledge, I have never used XXXX to conduct prohibited transactions, nor have I received or sent money to anyone I do not know. I do not sell goods or services using XXXX, and I take compliance with financial platform rules seriously. If this issue did not arise from the aforementioned transaction, I would greatly appreciate any guidance or clarification you can provide so that I may understand and, if necessary, rectify the situation. 

I respectfully request that XXXX reconsider this decision. I am more than willing to cooperate fully with any additional review or information you may need to resolve this matter. I value the convenience and reliability of XXXX services and hope to continue using the platform going forward. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX Account : @ XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had a case worker, XXXX XXXX, working on XXXX  case XXXX. In the course of her investigation, I found the following issues that I reported to her, but she has not confirmed that she has looked into them nor been assigned to them. Accordingly, please confirm resolution to the below issues : 1XXXX XXXX incorrectly removed the authorized user account that was previously being reported, which ends on XXXX. Please ensure this account is unsuppressed with XXXX and have the account reinserted. This requires manual outreach to your dedicated XXXX rep and can not be corrected through the usual automated account reinsertion process that BofA typically undertakes. I have spoken with XXXX regarding their erroneous removal of this account and, unfortunately, they've confirmed that it is suppressed and can only be unsuppressed by the bank. 

XXXX. For the same account ending in XXXX, I am being reported to XXXX but no information is showing ( see attached ). This may also be a suppression issue, but I am not sure as XXXX has stated that they can not see suppressed accounts on the consumer side. I reported this to XXXX, and they've stated that this is a data quality issue on Bank of America 's part. Please confirm the same with XXXX or whether it will take longer for this data to appear as it was just reported on XXXX XXXX. I would like to avoid a formal dispute as this is an unusual issue and I do not want XXXX  to incorrectly remove this account, as XXXX  did in # XXXX, so I am raising this here. Again, this likely requires manual outreach to your dedicated XXXX rep. 

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 explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was scammed with a XXXX  transfer who I was led to believe was my friend of 40 years. I contacted my bank and they denied my claim immediately because they say I made the transaction hru zelle therefore they aren't responsible. Case closed.

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 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: IN

Complaint narrative:
My credit reporting notification alerted me on XX/XX/year> that there was a collection from XXXX XXXX who is supposedly the original credit and XXXX XXXX XXXX is attempting to collect a debt in the amount of {$1300.00}. I attempted to contact company but my calls went unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX  Financial XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Financial XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Accept XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  financial XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX auto XX/XX/XXXX TransUnion + XXXX  XXXX Inquiry : XX/XX/XXXX + Finance/Personal CPS Inquiry : XX/XX/XXXX + XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Banks XXXX FINANCI Inquiry : XX/XX/XXXX + XX/XX/XXXX Inquiry : XX/XX/XXXX + Banks XXXX XXXX XXXX : XX/XX/XXXX + Banks XXXX XXXX XXXX : XX/XX/XXXX + Banks XXXX XXXX XXXX : XX/XX/XXXX + Banks XXXX XXXX : XX/XX/XXXX + XXXX XXXX CA Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX : XXXX. XXXX, XXXX + Banks XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Banks XXXX XXXX XXXX : XXXX. XXXX, XXXX + Banks XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal 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 - Finance/Personal Account caf XX/XX/XXXX {$50000.00}

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I disputed a collection on my credit report from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX because it is a medical bill and they are refusing to remove it from my credit report even after I presented the ruling from XX/XX/year> that medical bills can't be on my credit report. I disputed it through TransUnion. I have an open dispute on XXXX  and XXXX  for the same company and do not have the results for these disputes yet.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-05-09 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: CA

Complaint narrative:
I have account found on my report that are inaccurately reporting.

Company response to consumer: Closed with non-monetary relief