vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
I purchased money orders in XX/XX/year>. I have receipt from that store it was XXXX XXXX. I have money orders. AMOUNT XXXX Dollars. My bank flagged them as Altered. I call to Wester Union did all what needs to do. After that no resolved. No answer until now. We start that process on XXXX. Every time when i call same answer we will escalate your case. 
XXXX say it was chased for someone and send me fake western union money orders which has same number but different T numbers. When i call again XXXX sad we will investigate. But nothin until now. All document on my hand. 
I attached all document original name XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Starmark Financial LLC
State: GA

Complaint narrative:
The company has not shown proof that I own the debt.

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 2025-09-13 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: CCS Financial Services, Inc.
State: LA

Complaint narrative:
This is a new complaint regarding an account being reported by CCS XXXX XXXX XXXX XXXX XXXX ) that I do not recognize, do not owe, and have never authorized. On XX/XX/year>, I filed FTC Identity Theft Report # XXXX and identified multiple fraudulent tradelines on my credit reports. CCS/XXXX has now been confirmed as one of the accounts reporting under my name that I do not own. 

Details : CCS XXXX XXXX XXXX XXXXXXXX XXXX ) account shows as charged off and sold, balance {$0.00}, but continues to report negative status. 

I have never signed or entered into any credit agreement with CCS or XXXX. I do not own this account, and no documentation exists with my signature establishing liability. 

Under FCRA 605B, I formally dispute ownership of this account. 

Despite this, the account continues to report inaccurately across the CRAs, causing ongoing harm to my credit. 

Requested resolution : I respectfully request that CCSXXXX immediately cease reporting this fraudulent account, delete it from all consumer reporting agencies ( XXXX XXXX XXXX XXXXXXXX ), and provide written confirmation of permanent deletion. 

Enclosures will include : FTC Identity Theft ReporXXXX XXXX XXXX ( filed XX/XX/year> ) Proof of identity and proof of address Copy of credit report showing CCSXXXX tradeline

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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:
On XX/XX/year>, I filed a dispute with TransUnion regarding an account reported by XXXX XXXX ( account ending in XXXX ). TransUnion acknowledged receipt of my dispute by email ( attached ). According to the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ), TransUnion had 30 days to investigate and provide results. It's been more than 30 days, and the only response I've received is that my dispute is still " under investigation. '' This is not a valid result under the FCRA. And to mark the account now as verified after 30 days would be Violation of the 30-day period ( FCRA, Section 611 ( a ) ) : The law requires that the office complete the investigation and deliver results within 30 days of receiving my dispute ( max. 45 days if I asked for additional documents, but it does not apply because I did not

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 2025-09-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am disputing an unauthorized charge on my Bank of America credit card. 

On XX/XX/year>, several suspicious transactions were attempted by a merchant called XXXX XXXX XXXX ( including {$420.00}, {$120.00}, and others ). Bank of America initially flagged these as suspicious and declined them. However, XXXX transaction for {$150.00} was processed and posted to my account. 

I immediately disputed this charge as fraud because I did not authorize or make this purchase. I have never done business with this merchant, and I was not in the United States at the time. I currently reside in XXXX ( moved from the XXXX about XXXX  months ago ), which makes it very difficult for me to call or communicate with Bank of America directly. 

Bank of America denied my dispute, leaving me responsible for the {$150.00} fraudulent charge and also adding late fees and interest. This is unfair and violates my protections under the Fair Credit Billing Act, which requires the bank to investigate fraud claims properly. 

I have already attempted to resolve this directly with Bank of America, but they failed to resolve my dispute fairly. I am asking the CFPB to ensure Bank of America corrects this issue and relieves me of responsibility for charges and fees that are not mine.

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 2025-09-13 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Subject : Follow-up Complaint Regarding Disputed Transactions Lack of Settlement Date Proof I previously filed a dispute regarding XXXX airline ticket charges on my Apple Card that I did not use. While my initial complaint focused on the merchants refusal to refund, I am now raising a separate and new issue with Goldman Sachs Bank USAs handling of these disputes. 
Specifically : I formally requested Goldman Sachs to provide the settlement date and network clearing evidence for the XXXX disputed transactions ( {$110.00} on XX/XX/year>, and {$270.00} on XX/XX/year> ). 
Goldman Sachs has failed to provide such evidence but continues to demand payment. 
This conduct is unfair because without settlement proof, there is no confirmation that the merchants right to collect remains valid under card network rules. 
I believe this is a violation of my dispute rights under the Fair Credit Billing Act ( FCBA ). I respectfully request CFPB to require Goldman Sachs to either : Provide the settlement date and clearing reference for both transactions, or Remove these disputed charges from my account if the merchants settlement rights have expired. 
I am requesting that Goldman Sachs ( Apple Card ) permanently remove the XXXX disputed charges of {$270.00} ( XX/XX/year> ) and {$110.00} ( XX/XX/year> ) from my account. 
I did not take either flight and I notified both the merchant and my credit card company in a timely manner. I also submitted supporting evidence, including cancellation attempts and the merchants refund policy. Goldman Sachs failed to investigate my case fairly and repeatedly asked for more evidence instead of considering the documentation I already provided. 
It is not reasonable that I should pay for services I never received. The fair resolution is a full reversal of both charges and closure of these disputes in my favor. 
Thank you for your assistance. 
XXXX XXXX Apple Card account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
The company has not shown proof that I own the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: Experian Information Solutions Inc.
State: OH

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.

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 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 of crimes which antedates the report by more than seven 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 2025-09-13 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: GA

Complaint narrative:
A line of credit was opened to XXXX under my name. On XXXX I was notified by experian about the new line of credit with a congratulations. I have never applied for a XXXX line of credit. I have locked my SSN and disputed the line of credit on experian. In hopes of nothing else being added to my credit. I have uploaded a photo of the dispute.

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 2025-09-13 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: GA

Complaint narrative:
Complaint Narrative : I am filing a complaint regarding XXXX XXXX XXXX XXXX handling of my former auto loan. 

My vehicle was never repossessed by XXXX XXXX. Instead, it was towed in XXXX  by a third party due to XXXX  rules while parked at a friends house. The vehicle was later sold by the tow yard without my knowledge. 

XXXX XXXX had information about the vehicles status and location but never informed me. I was not provided with : Notice of repossession, Notice of the vehicles location, Notice of intent to sell the vehicle, or Opportunity to redeem or reinstate the loan. 

Despite failing to provide these legally required notices, XXXX XXXX has reported the account as a profit and loss write-off/charge-off on my credit reports and is attempting to collect a deficiency balance. 

This is inaccurate and misleading because under the Uniform Commercial Code ( UCC ), adopted in both XXXX  ( where I purchased the vehicle ) and XXXX ( where the tow occurred ), a creditor must provide proper notice before pursuing a deficiency balance. Since XXXX XXXX did not provide such notices, the alleged deficiency is not valid or enforceable. 

I am requesting that XXXX XXXX : 1. Provide documentation proving it complied with all legal notice requirements regarding repossession and sale, OR 2. Remove all negative credit reporting associated with this account and cease any collection attempts.

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 2025-09-13 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: GA

Complaint narrative:
Complaint Narrative : I am filing a complaint regarding XXXX XXXX XXXX XXXX handling of my former auto loan. 

My vehicle was never repossessed by XXXX XXXX. Instead, it was towed in XXXX  by a third party due to XXXX  rules while parked at a friends house. The vehicle was later sold by the tow yard without my knowledge. 

XXXX XXXX had information about the vehicles status and location but never informed me. I was not provided with : Notice of repossession, Notice of the vehicles location, Notice of intent to sell the vehicle, or Opportunity to redeem or reinstate the loan. 

Despite failing to provide these legally required notices, XXXX XXXX has reported the account as a profit and loss write-off/charge-off on my credit reports and is attempting to collect a deficiency balance. 

This is inaccurate and misleading because under the Uniform Commercial Code ( UCC ), adopted in both XXXX ( where I purchased the vehicle ) and XXXX  ( where the tow occurred ), a creditor must provide proper notice before pursuing a deficiency balance. Since XXXX XXXX did not provide such notices, the alleged deficiency is not valid or enforceable. 

I am requesting that XXXX XXXX : XXXX. Provide documentation proving it complied with all legal notice requirements regarding repossession and sale, OR 2. Remove all negative credit reporting associated with this account and cease any collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: Experian Information Solutions Inc.
State: AL

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.

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 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 of crimes which antedates the report by more than seven 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 2025-09-13 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: IL

Complaint narrative:
Ive noticed multiple inaccurate accounts reporting to my credit file that doesnt belong to me

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 2025-09-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: GA

Complaint narrative:
The ownership and validity of the debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
A collections account appeared on my credit report on or around, XX/XX/year>, without me receiving any correspondence about having a debt. CBA has been reporting inaccurate and differing balances to XXXX XXXX XXXX. CBA also has been reporting a third, different balance to myself. When I sent the debt validation letter on XX/XX/year>, CBA continued to report an inaccurate balance after signing for the letter and pursuing investigating validating the debt. They sent me a response, XX/XX/year>, missing : Detail of the debt history, proof of transfer of ownership of debt including a record of the chain of ownership of the debt. 

Documentation that proves the legal right to collect this debt. 

Corresponding address that matching the collection account address and the lease provided Determination of statute of limitations and whether the debt is past the statute of limitations for the state. 

A balance reported to myself and the credit bureaus that is consistent instead of conflicting. ( he balance reported to me was about {$5000.00} less than CBA is reporting to the XXXX XXXX XXXX XXXX. ) The original debt document you included does not denote the ability to accrue interest on arreared rent. Proof interest charged of {$3300.00} is viable. 

CBA reported balances of {$18000.00} and {$16000.00} ( approximately ) to credit bureaus as of XX/XX/year>, and reported the balance of {$14000.00} to me in written response to the debt validation letter as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing inaccurate collection accounts that continue to appear on my credit report. I have requested validation and documentation, but the debt collector and credit bureaus have not provided proof that the debt is valid. These accounts are not mine and are harming my credit. I am requesting immediate deletion of the inaccurate accounts from my credit reports and confirmation in writing that they have been removed. 

XXXX XXXX : [ XXXX XXXX XXXX ] Account Number : XXXX Reported Balance : {$17000.00} Date Reported : XX/XX/scrub>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 2025-09-13 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 am disputing inaccurate collection accounts that continue to appear on my credit report. I have requested validation and documentation, but the debt collector and credit bureaus have not provided proof that the debt is valid. These accounts are not mine and are harming my credit. I am requesting immediate deletion of the inaccurate accounts from my credit reports and confirmation in writing that they have been removed. 

XXXX XXXX : [ XXXX XXXX XXXX ] Account Number : XXXX Reported Balance : {$17000.00} Date Reported : XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
I have Federal student loans from 2 schools. I have not been in school for over a year and working part time. I just got a notification from the credit bureau that my score dropped due to late payments. I have one credit card that I pay on time each month. Went in a saw that I had late payments starting in XXXX till today. I've never gotten a bill, no call nothing. No communication. I had no idea my student loan was due and time to pay back. I have a parent plus loan that is currently deferred. I told them I will pay up to date and PLEASE remove my negative remarks on my credit report. Then can I work on a repayment plan based on my income. They will not remove the negative impact to my score. You can see on my credit score I have never had a late payment in two years. If I would of known I would have paid.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-13 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed XXXX : Click or tap here to enter text. 
- XXXXXXXX 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 XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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