vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I found a business advertising bounce house and furniture rentals for events through a XXXX page titled XXXX  XXXX, which directed me to their website : XXXX XXXX XXXXXXXX. I contacted them to arrange a rental for my childs birthday celebration scheduled for XX/XX/year>. 
They instructed me to send a deposit of {$120.00} via XXXX to the phone number XXXX, which was listed under the name XXXX XXXX. I completed this transaction on XX/XX/year>. 
Later, they informed me that I needed to pay a refundable security deposit of {$250.00} before the delivery date. They asked me to send it via XXXX XXXX to XXXX. I sent a {$1.00} test payment, which went through. However, when I attempted to send the remaining {$240.00}, the transaction failed. 
They then instructed me to send the remaining {$240.00} via XXXX to a different number : XXXX, which was under the name XXXX XXXX. I completed this transaction on XXXX, XX/XX/year>. 
However, the bounce house and furniture were never delivered on the event date. Realizing that I had likely been scammed, I immediately contacted my bank, Bank of America ( BOA ), on XX/XX/XXXX and informed them that the XXXX payment should be cancelled. They informed me that the transaction was still processing and that I would need to wait until Monday, XX/XX/XXXX to file a formal dispute. 
On XX/XX/XXXX, I contacted BOA again and filed a dispute for both XXXX transactions totaling {$360.00}. 
BOA told me they would send documents to XXXX email, but as of now, I have not received any updates from BOA, and I have not heard back from the individuals involved in the transaction. The business appears to be fraudulent.

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 2025-05-15 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:
I am resending my complaint regarding the fraudulent items I requested to be removed. It appears that no investigation has been conducted yet. I am now formally requesting that Experian, Equifax, and TransUnion credit bureaus remove all fraudulent items from my credit report, as required by law. Please find the list of fraudulent items that need to be removed from my credit report below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$8800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$5600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-05-15 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: TX

Complaint narrative:
I am resending my complaint regarding the fraudulent items I requested to be removed. It appears that no investigation has been conducted yet. I am now formally requesting that Experian, Equifax, and TransUnion credit bureaus remove all fraudulent items from my credit report, as required by law. Please find the list of fraudulent items that need to be removed from my credit report below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$8800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$5600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: OH

Complaint narrative:
I am filing a formal complaint regarding an unauthorized hard inquiry reported on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX 2025. I did not apply for credit or authorize this inquiry in any way.

According to 15 U.S. Code 1681b, credit reporting agencies are only permitted to furnish consumer reports for specific, legally permissible purposes. I had no interactions or applications with XXXX XXXX at that time that would justify their access to my credit file.

Additionally, 15 U.S. Code 1681n holds any person or institution liable for willfully obtaining a consumer report under false pretenses or without a permissible purpose. This unauthorized inquiry violates my rights under the Fair Credit Reporting Act ( FCRA ).

Despite my efforts to dispute this directly with the credit bureau and the creditor, the inquiry remains on my credit report. I respectfully request that the CFPB investigate this issue and assist in removing the unauthorized inquiry to prevent further harm to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint to report a serious violation of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX  and Equifax, concerning an unresolved and improperly handled credit reporting dispute. 

I initially submitted a written dispute to Equifax regarding an inaccurate account in XX/XX/year>. According to FCRA 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to complete its investigation within 30 days. This deadline has long passed, and Equifax has failed to notify me of any legitimate reason for the delay or provide documentation supporting the continued reporting of the account. 

When I escalated the matter by submitting a complaint through the Consumer Financial Protection Bureau ( CFPB ), Equifax and the furnisher validated the account by relying solely on the furnishers internal records without conducting a reasonable or independent investigation, as required under FCRA 1681s-2 ( b ). This practice not only violates federal law but demonstrates a lack of good faith in resolving consumer disputes.

This failure is not only a legal violation it is actively causing hardship in my life. Due to this unresolved and inaccurately reported account, I have been denied access to fair credit opportunities, experienced financial strain, and suffered emotional distress. This inaccurate reporting is affecting my ability to secure essential services and support my family. 

Furthermore, Equifax is already under scrutiny for its history of mishandling consumer data and failing to meet its obligations under the FCRA. Given their record and the current mishandling of my dispute, I am deeply concerned about the integrity of this process. 

I demand that this account be immediately deleted from my credit report. It is unjust and unlawful for Equifax and the furnisher to continue reporting unverifiable information following a flawed and legally insufficient investigation. 

Please treat this as a formal request for immediate corrective action and a written response acknowledging the removal of the disputed account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of certain account information listed on my Experian credit report. I have reviewed my credit file and found the following accounts, which I do not recognize and for which I have no knowledge or recollection of incurring any related debt : 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are unfamiliar to me and were not authorized by me in any form. I request a thorough investigation into each of these accounts and that they be removed from my credit report immediately if they can not be fully verified as legitimate and authorized.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe to be inaccurate or fraudulent. Specifically : FCRA 1681i ( a ) requires a credit reporting agency to investigate disputed information and delete or correct any information found to be inaccurate or unverifiable.

FCRA 1681b limits the permissible purposes for which my credit report may be accessed or used.

FCRA 1681c-2 ( a ) entitles me to block information resulting from identity theft or unauthorized accounts, once disputed.

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 2025-05-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I uploaded the decedent 's death certificate and the Letters of Probate to the bank 's decedent 's webpage. To date, the bank has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Account XXXXXXXX XXXX XXXXXXXX #, Im unaware of this debt and did not have the opportunity to dispute this account being confined to a nursing home for the last couple of years. 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Discover Financial Services Dispute Resolution Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Complaint and Demand for Correction Account # XXXX To Whom It May Concern : I am writing to issue a formal complaint and demand for correction regarding your handling of my account, # XXXX, and your failure to honor a negotiable instrument submitted on XX/XX/year>, in the amount of {$5600.00}, which was intended as lawful payment toward the account balance. 

1. Failure to Acknowledge Lawful Payment The negotiable instrument issued to Discover was : Payable on demand, under UCC Article 3 ; Delivered in good faith as a partial discharge of the balance ; Issued with a condition that any refusal must be made in writing within 10 business days, or acceptance would be presumed ; Never rejected or returned therefore, deemed accepted by silence.

Your failure to apply this payment constitutes a dishonor of the instrument under UCC 3-502 and 3-505, and violates basic settlement and notice principles. 

XXXX. Inaccurate Credit Reporting Your continued negative reporting on this account without reflecting the lawful payment tendered violates the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i ( a ) Failure to reinvestigate a disputed item in a consumers file.

15 U.S.C. 1681s-2 ( a ) Furnishing information known to be inaccurate.

15 U.S.C. 1681s-2 ( b ) Failure to correct and update inaccurate information after being notified.

Furthermore, as this involves a direct experience between us, per 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), your reporting must be truthful and accurate and can not ignore documented attempts to resolve the matter. 

DEMAND FOR ACTION To resolve this matter and avoid further legal and regulatory escalation, I demand that Discover : Honor and apply the {$5600.00} negotiable instrument as partial payment. 

Cease any further collection efforts on that amount. 

Correct all reporting to credit bureaus, accurately reflecting this payment. 

Provide me written confirmation of the above within XXXX business days. 

Failure to comply will result in immediate complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Deposit Insurance Corporation ( FDIC ), and pursuit of all applicable civil remedies under federal law.

This letter is sent with full reservation of rights under UCC 1-308, and without prejudice. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: PR

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

ACCOUNT : XXXX XXXXXXXX XXXX XXXXXXXX / 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Westlake Portfolio Management is inaccurately reporting account # XXXX as charged off and written off, yet continues to report a past-due balance of {$21000.00} as of XX/XX/XXXX. This constitutes materially misleading credit reporting under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which prohibits furnishers from reporting information that is inaccurate or creates a misleading impression.

According to 26 U.S.C. 6050P, any creditor that discharges or cancels a debt of {$600.00} or more is required to issue IRS Form XXXX to the debtor and file it with the IRS. I have reviewed my official IRS Wage and Income Transcript for XXXX and XXXX, and there is no record of any Form 1099-C issued by Westlake Portfolio Management . This strongly implies that the debt was either ( a ) not properly discharged, or ( b ) was discharged and Westlake failed to comply with federal reporting obligations.

I submitted a written request to Westlake Portfolio Management demanding the 1099-C or written verification of the continued balance. No response has been received to date, and the credit reporting remains uncorrected. 

Therefore, I assert this is a violation of both the FCRA and IRS disclosure law, and I request regulatory enforcement. The reporting of a charged-off debt with no legal basis for collection and no supporting tax documentation is both deceptive and financially damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/year>, I received a hair detangling service from XXXX by XXXX. The service was negligent and caused severe physical damage to my hair, emotional distress, and financial harm. The stylist aggressively brushed my dry hair, applied an unknown product without rinsing, and blow-dried my tangled hair, causing extreme matting and scalp pain. 



Later that day, XXXX charged me {$250.00} for a follow-up appointment that I did not knowingly agree to. This charge was made while I was visibly distressed and under duress. I never gave explicit, informed consent for this second appointment, which the stylist created without authorization. 



I canceled the follow-up appointment the next morning and requested a refund from XXXX, who refused and blamed me for the damage. I immediately disputed both charges with Discover on XX/XX/year>, submitting extensive evidence, including before and after photos, repair receipts, stylist statements, and messages confirming the cancellation. 



Despite this, Discover refused to refund the charges, stating they do not cover negligence or harmful services, and that because I physically attended the appointment and provided my card, the charges are valid. I have asked Discover multiple times for a clear explanation and reconsideration, but their responses have been inadequate and dismissive. 



I am filing this complaint because Discover is not protecting me as a consumer against unauthorized charges made under duress and negligent services that caused me physical and emotional harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: CA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
When I opened my chime account they provided me with a account number and routing number which I provided them to my employer for my direct deposit when the day of my pay day which was XXXX turns out chime closed my account and my employer stated that my check was sent to the closed account I called chime and stated the lady I spoke with chime rep stated they would refund the check back since the account is closed and no longer we cant reopen it chime rep stated that my employer will receive the refund which takes to XXXX business days which I called them back on XX/XX/year> which that would complete the XXXX business day the gentleman I spoke with couldnt seem to help he kept putting me on hold stating that they refunded it back to my employer and couldnt provide me dates when or the name of my employer they sent it to which that really frustrated me so XXXX asking if they can refund it to my employer if its a closed account I assume that they can provide that

Company response to consumer: Closed with explanation