vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Complaint of Masked/Unverifiable Accounts & Identity Theft Investigation Needed To Whom It May Concern, I am submitting this complaint due to multiple negative accounts on my Experian credit file that contain masked or incomplete identifying information. This prevents me from determining whether these accounts belong to me or were opened fraudulently. 

I have substantial reason to believe that for-profit entities are buying, selling, and trafficking my personal data without my consent. This misuse of my information has resulted in unauthorized accounts and derogatory reporting that is damaging my credit profile. These actions constitute identity theft, and the continued reporting of unverifiable information violates the Fair Credit Reporting Act ( FCRA ). 

I am requesting a complete investigation into every negative account on my Experian file, including verification of each item. Any account that can not be verified with full and accurate details must be deleted immediately. 

Consumer Statement Experian I attempted to verify several negative accounts, but the information is masked or incomplete. I have reason to believe my personal data is being used without consent by companies trading information, and unauthorized accounts have appeared. This is identity theft. I dispute all accounts that can not be fully verified.

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 2025-11-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Complaint of Masked/Unverifiable Accounts & Identity Theft Investigation Needed To Whom It May Concern, I am submitting this complaint due to multiple negative accounts on my Experian credit file that contain masked or incomplete identifying information. This prevents me from determining whether these accounts belong to me or were opened fraudulently. 

I have substantial reason to believe that for-profit entities are buying, selling, and trafficking my personal data without my consent. This misuse of my information has resulted in unauthorized accounts and derogatory reporting that is damaging my credit profile. These actions constitute identity theft, and the continued reporting of unverifiable information violates the Fair Credit Reporting Act ( FCRA ). 

I am requesting a complete investigation into every negative account on my Experian file, including verification of each item. Any account that can not be verified with full and accurate details must be deleted immediately. 

Consumer Statement Experian I attempted to verify several negative accounts, but the information is masked or incomplete. I have reason to believe my personal data is being used without consent by companies trading information, and unauthorized accounts have appeared. This is identity theft. I dispute all accounts that can not be fully verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
FirstSource Advantage LLC is attempting to take advantage of me by using false information in attempt to extort money from me. I deny all claims and accusations against me and I demand Firstsource Advantage LLC provide proof or cease and desists all actions regarding this account reference number XXXX in their system. I believe this is an attempt to damage my reputation, credit and character through coercion. I request for all business records affidavit, declaration/affidavit of account/debt with any exhibits or attachments, including account statements, payment history, cardmember agreement, promissory note, or other consumer agreement, which is the subject to further pursuit of this matter including any assignments, transfers, or bills of sale, and if any, other documents Firstsource Advantage LLC intends to claim as proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SG and Associates
State: WA

Complaint narrative:
On XX/XX/year>, I mailed Stafford Group & Associates a written dispute and formal request for verification under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). My letter requested : A copy of the signed contract/agreement ; A full itemized accounting from {$0.00} to the alleged balance ; and A complete chain of title, including signed bills of sale and assignments.

Stafford Group signed for and responded to my dispute on XX/XX/year>, but they did not provide any of the documents I lawfully requested. Their letter only gave basic background information and stated they initiated the process, but they have never provided verification of the debt as required by federal law.

It has now been more than six months since my verification request, and Stafford Group : Has not provided verification, Has not sent a signed contract, Has not provided a chain of title, and Has not provided an itemized accounting, Yet they continue to treat the debt as valid and continue to maintain negative credit-related language in their communication.

Under the FDCPA, a debt collector can not continue collection activity unless they first provide proper verification. Stafford Group appears to be violating : 15 U.S.C. 1692g ( b ) failing to provide verification before continuing collection activity ; 15 U.S.C. 1692e misrepresenting the legal status of the debt ; 15 U.S.C. 1692f using unfair or unconscionable means to attempt to collect a debt.

I am requesting that the CFPB : Require Stafford Group to provide full verification as required by law ; Investigate their failure to comply with 1692g ( b ) ; Review their collection practices to ensure compliance with the FDCPA.

I am attaching copies of : My original XX/XX/XXXX dispute letter ( showing the verification items requested ).

Stafford Groups XX/XX/XXXX reply ( showing they did not provide verification ).

My final demand to Stafford, I request CFPB assistance in obtaining the verification documents I am legally entitled to.

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 2025-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
Bounce AI keeps uploading the same loan documents from XXXX XXXX. Those papers only show the original loan. They do not show anything with my signature or consent that allows Bounce AI to access my personal information, handle my account, or report anything to the credit bureaus.

I am not claiming fraud. I am not claiming identity theft. I am asking for proof that Bounce AI is legally allowed to have my information. They have not provided any signed agreement, any authorization, or any document with my name proving I allowed my data to be transferred to them.

Saying they see no new information does not remove their responsibility to reinvestigate. Reusing the same packet does not prove Bounce AI has any rights to my information. It only proves the original loan existed, which is not the issue here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
A. FCRA VIOLATIONS - INACCURATE AND UNVERIFIABLE REPORTING FCRA 602 ( A ) - Accuracy & Fairness Violation The account is reported as " charged off '' with a past due balance of {$14000.00} while simultaneously showing the account as " closed. '' This contradictory reporting creates a misleading impression that the account is both closed and actively past due, which is inherently inaccurate and deceptive.

FCRA 607 ( b ) - Maximum Possible Accuracy Standard Violation The payment history shows inconsistent reporting with multiple " CO '' ( charged off ) designations alongside " ND '' ( no data ) and various late payment statuses throughout XXXX. This incomplete and contradictory data fails to meet the statutory requirement of maximum possible accuracy.

FCRA 611 - Reinvestigation Failure The comment states, " Account previously in dispute - investigation complete, reported by data furnisher. '' Despite my previous dispute, XXXX XXXX XXXX XXXX failed to conduct a proper reinvestigation and continues to report inaccurate information for their own gain.

B. IRS CODE VIOLATIONS- INVALID CHARGE-OFF REPORTING IRS 26 USC 6050P - Cancellation of Debt Requirements XXXX XXXX XXXX XXXX has reported this account as charged off with " {$22000.00} written off '' but has FAILED to issue IRS Form 1099-C as required by law. Without this documentation, they can not legally characterize this as a charge-off.

IRS Form 1099-C Instructions Violation The IRS explicitly defines discharge of indebtedness as occurring when " the creditor has decided to discontinue collection activity. '' The continued reporting of a past due balance while claiming the debt is charged off represents contradictory and unlawful reporting.

C. FDCPA VIOLATIONS - FALSE AND MISLEADING REPRESENTATIONS FDCPA 807 - False Representation of Debt Character Reporting an account as both " charged off '' and maintaining an active past due balance constitutes a false and misleading representation of the debt 's legal status.

D. CASE LAW SUPPORTING REMOVAL XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Experian failed to perform a reasonable investigation and merely parroted XXXX XXXXXXXX XXXX unverified information. 

XXXX XXXX XXXX ( XXXX. XXXX, XXXX ) XXXX XXXX must produce original records and complete documentation to verify this reporting, which they can not do. 

XXXX XXXX XXXX ( XXXX XXXX XXXX ) The multiple inconsistencies in this reporting constitute " material inaccuracies '' requiring deletion. 

XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) XXXX XXXX failed to conduct a reasonable investigation upon my previous 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 2025-11-23 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: PA

Complaint narrative:
A. FCRA VIOLATIONS - INACCURATE AND UNVERIFIABLE REPORTING FCRA 602 ( A ) - Accuracy & Fairness Violation The account is reported as " charged off '' with a past due balance of {$14000.00} while simultaneously showing the account as " closed. '' This contradictory reporting creates a misleading impression that the account is both closed and actively past due, which is inherently inaccurate and deceptive.

FCRA 607 ( b ) - Maximum Possible Accuracy Standard Violation The payment history shows inconsistent reporting with multiple " CO '' ( charged off ) designations alongside " ND '' ( no data ) and various late payment statuses throughout XXXX. This incomplete and contradictory data fails to meet the statutory requirement of maximum possible accuracy.

FCRA 611 - Reinvestigation Failure The comment states, " Account previously in dispute - investigation complete, reported by data furnisher. '' Despite my previous dispute, XXXX XXXX XXXX XXXX failed to conduct a proper reinvestigation and continues to report inaccurate information for their own gain.

B. IRS CODE VIOLATIONS- INVALID CHARGE-OFF REPORTING IRS 26 USC 6050P - Cancellation of Debt Requirements XXXX XXXX XXXX XXXX has reported this account as charged off with " {$22000.00} written off '' but has FAILED to issue IRS Form 1099-C as required by law. Without this documentation, they can not legally characterize this as a charge-off.

IRS Form 1099-C Instructions Violation The IRS explicitly defines discharge of indebtedness as occurring when " the creditor has decided to discontinue collection activity. '' The continued reporting of a past due balance while claiming the debt is charged off represents contradictory and unlawful reporting.

C. FDCPA VIOLATIONS - FALSE AND MISLEADING REPRESENTATIONS FDCPA 807 - False Representation of Debt Character Reporting an account as both " charged off '' and maintaining an active past due balance constitutes a false and misleading representation of the debt 's legal status.

D. CASE LAW SUPPORTING REMOVAL XXXX XXXX TransUnion ( XXXX XXXX. XXXX ) XXXX  failed to perform a reasonable investigation and merely parroted XXXX XXXX XXXX unverified information. 

XXXX XXXX XXXX ( XXXX. XXXX, XXXX ) XXXX XXXX must produce original records and complete documentation to verify this reporting, which they can not do. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) The multiple inconsistencies in this reporting constitute " material inaccuracies '' requiring deletion. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXXXXXX ) XXXX XXXX failed to conduct a reasonable investigation upon my previous 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 non-monetary relief
Consumer complaint received 2025-11-23 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: NY

Complaint narrative:
I had a utility account with XXXX XXXX XXXX XXXX that was later placed with XXXX XXXX for collection. I paid this collection in full, and there is no remaining balance owed to XXXX or XXXX XXXX. On my Equifax credit report the XXXX XXXX tradeline now shows an account status of Paid with a {$0.00} balance and {$0.00} past due, which is correct.

However, Equifax is still reporting the Payment Status as Collection/Chargeoff, as if this were an unpaid charged-off collection that is still actively negative. This is internally inconsistent and misleading : the account is reported as paid with a XXXX balance, but at the same time Equifax continues to label it as a charge-off/collection. This misrepresents the true status of the account and makes it appear to lenders as though I still have a serious unpaid derogatory debt, even though the obligation has already been satisfied. 

I am enclosing documentation from XXXX XXXX XXXX XXXX regarding this account to support that it has been paid and closed. I am not disputing that the account existed ; I am disputing Equifaxs failure to update the payment status so that the tradeline accurately reflects a paid account with no active collection or charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
What happened? ( Paste this into the big text box ) I am filing a complaint against Ally Financial for misrepresenting the status of my auto loan account, failing to send required documentation, mishandling payments, and causing a second repossession due to incorrect information provided by Ally representatives.

After my first repossession, I paid over {$2000.00} to recover my vehicle. I called Ally multiple times to confirm my account status and was told repeatedly that my account was current and that my next payment was not due until XX/XX/year>. I relied on this information. I specifically requested an itemized breakdown of my account and was told on a recorded call that it was being sent to me. I never received it.

Despite being told my account was current, my vehicle was repossessed a second time. When I checked my account, Ally had added additional fees and a past-due balance of {$1400.00} without any warning or proper explanation. Several payments appear as reallocations, which I did not authorize, and no documentation was provided to explain how these payments were applied.

Ally representatives provided incorrect, misleading information that directly caused financial harm, additional fees, and a second repossession. I am requesting : A full itemized payment and fee history.

A review of the recorded calls where I was told my account was current and documentation would be sent.

Removal or reversal of any repossession-related fees that resulted from Allys misinformation.

Correction of my account and updated reporting.

This situation has caused significant financial and personal hardship, and Ally has refused to provide accurate documentation or correct the misinformation.

Company Name : Ally Financial Account Number : XXXX Product : Auto Loan or Lease Then choose : Vehicle loan What resolution do you want? ( Paste this into the CFPBs desired resolution box ) I want Ally to : Provide a complete itemized transaction history from XX/XX/year> to present Remove the second repossession fee and any related charges Correct the account status and payment application errors Review the recorded calls showing I was told the account was current Provide written confirmation once corrections are made

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX of XXXX, I was scammed and experienced fraudulent inducement. I was sent a faulty check in which I deposited into my XXXX XXXX checking account. I was led to believe this check was real, and sent the balance to the scammer via PayPal. I thought I was helping and donating to a charity, however as stated previously I was fraudulently induced. The first transaction on XX/XX/year> was {$980.00} and the second payment on XX/XX/year> was {$340.00}. At the time I was under the impression that the checks were valid and that the money would come from the checks, however they were clearly fraudulent checks, therefore causing me to file a claim with XXXX XXXX. I then called PayPal to file a claim, they filed this as a hacking claim, which was incorrect, so the case was never handled via PayPal. Over a year later, and PayPal is now sending me to collections for the balance of {$1300.00}. My consent to send this money to the other user was obtained through deception, this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I was induced under deception to send {$1500.00} via XXXX for a contractor service that was never performed.

This is not a payment dispute it is fraud.

I have filed a police report and an FBI IC3 complaint.

Chase incorrectly classified my fraud claim as a simple authorized transaction and refused recovery, despite federal guidance on scam-induced transfers.

I request a full investigation and reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I was contacted by a company and engaged in a contract for services. After doing more research I determined that the arrangement was not to my benefit. I requested cancellation of the contract within the company 's timeframe. The company stated they would refund the money. I discovered no refund was completed and disputed the charge. Citibank told me to request a refund from the company. I again requested the refund. Multiple times the company, XXXX XXXX XXXX, assured they would refund the charge.

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 2025-11-23 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: NJ

Complaint narrative:
On XX/XX/year> I purchased a product from XXXX that was marketed as genuine XXXX XXXX XXXX, however the item delivered was fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
In XX/XX/2025, I sent a formal written request for full debt validation to Cavalry Portfolio Services via USPS Certified Mail. The request was delivered. In that letter, I requested validation under FDCPA 1692g ( b ), including : The original signed retail installment contract A complete payment history Proof of auction and sale ( date, location, sale price, notices mailed ) A complete deficiency balance calculation Chain of assignment from the original creditor Copies of all documents Cavalry used to verify or report the account to credit bureaus Cavalry did NOT provide any of the legally required documentation. Instead, they sent a generic form letter stating that they reviewed the dispute, but they did not include the contract, the payment records, the auction documents, the chain of title, or any proof that the amount they are trying to collect is accurate.

This is NOT validation under FDCPA 1692g ( b ).

The response they provided does not meet the legal standards required for verification of an alleged deficiency balance after a vehicle repossession.

Despite failing to validate the debt, Cavalry continues to report and furnish information to the credit bureaus. This violates : FDCPA 15 U.S.C. 1692g ( b ) continued collection without validation FDCPA 807 ( 2 ) ( A ) attempting to collect an unverified and potentially incorrect amount FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate or unverified information FCRA 623 ( b ) failure to conduct a reasonable investigation I am requesting that the CFPB investigate Cavalrys failure to provide validation, their continued furnishing of unverified information, and their refusal to provide the documents required by law.

If Cavalry can not produce the legally required validation, the account should be deleted and all collection activity should cease.

I am attaching : My original validation request Cavalrys inadequate response Proof of delivery

Company response to consumer: Closed with explanation