vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: SC

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting from XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/year>, I made a {$500.00} payment toward my account. I made a second payment of {$140.00} on XX/XX/year>. These two payments brought my balance down to approximately {$95.00}. However, as of today, the credit bureaus ( including TransUnion ) are still reporting a balance of {$730.00} and showing a last payment date of XX/XX/year>, which is inaccurate. 

This account is now closed, and I have provided documentation of my XXXX payments to the credit bureaus, but XXXX XXXX has not updated the reported balance, last payment date, or payment status to reflect the accurate activity. This is negatively impacting my credit score and causing issues with loan approvals. 

I am requesting that the company update the account to reflect the correct balance, accurate payment dates, and payment history.

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 2025-07-12 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: FL

Complaint narrative:
I made a purchase at XXXX using my Apple Card ( Goldman Sachs ) and returned the item in-store at XXXX XXXX XXXX XX/XX/year> ( Order # XXXX ). Because I did not have my Apple Card on me, the store associate processed the refund to a different card I provided ( XXXX XXXX ), though it was originally paid on the Apple Card. 

Since then, XXXX has claimed they processed the refund and provided an XXXX  number ( XXXX ) and a refund receipt. I provided this to XXXX XXXX, but they investigated and confirmed in writing that no refund ever posted to their account and that the XXXX provided does not match any valid transaction. 

When I disputed the charge through my Apple Card, the dispute was denied because XXXX provided the same refund ARN and documents, falsely implying the refund was successful. This has left me without a refund despite returning the item and XXXX being in possession of both the product and my money. 

I have uploaded all supporting documentation, including : My XXXX return receipt The refund transaction letter with XXXX The written denial from XXXX  XXXX showing no refund was received I am requesting Goldman Sachs ( Apple Card ) to see my current dispute and investigate further, considering that XXXX XXXX has confirmed XXXX 's refund never reached me, and the provided ARN is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Someone hacked into my digital wallet on XX/XX/year> at XXXX. They made four transactions of {$95.00} with my card in the state of XXXX XXXX, stealing a total of {$380.00} from my checking account. I do not live in XXXX XXXX, so there is no possible way that I could've been the one to make these transactions. Each transaction was made at XXXX different XXXX locations in XXXX XXXX 

I called Wells Fargo and filed a dispute that same day and they issued me a new card and claimed my transaction reason was " Do not remember this transaction, '' which is false. I DID NOT MAKE the transactions. After XXXX  days of waiting, my dispute regarding the fraudulent charges made on my account were declined on XX/XX/year>.

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 2025-07-12 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:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the [ Experian / Equifax / TransUnion ] credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. 
The following fraudulent, inaccurate, and unauthorized accounts have appeared on my credit report : XXXX. XXXX Account # XXXX Secured loan Opened XX/XX/XXXX {$0.00} balance XXXX. XXXX ( XXXX XXXX ) Account # XXXX Collection Opened XX/XX/XXXX {$0.00} balance XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX Utility collection Opened XX/XX/XXXX {$0.00} balance XXXX. XXXXXXXX XXXX XXXX Account # XXXX Unsecured loan Opened XX/XX/XXXX {$650.00} balance XXXX. XXXX ( XXXX XXXX ) Account # XXXX XXXX Opened XX/XX/XXXX {$2700.00} balance XXXX. XXXX XXXX XXXX Account # XXXX Collection Opened XX/XX/XXXX {$2700.00} balance XXXX XXXX XXXX  ( XXXX XXXX ) Account # XXXX XXXX Opened XX/XX/XXXX {$270.00} balance XXXXXXXX XXXX XXXXXXXX Account # XXXX Auto loan {$0.00} balance Closed XXXX. XXXX XXXX XXXX ( XXXX  XXXX ) Account # XXXX Utility collection Opened XX/XX/XXXX {$330.00} balance XXXX. XXXX XXXX Account # XXXX XXXX account Opened XX/XX/XXXX {$240.00} balance XXXX. XXXX ( XXXX XXXX XXXX Account XXXX XXXX XXXX Opened XX/XX/XXXXXXXX  {$840.00} balance These accounts have resulted in several fraudulent hard inquiries and collections that are harming my consumer credit profile. I did not open or authorize any of the above accounts or inquiries. All are the result of identity theft.

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 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I made a {$250.00} payment through the Capital One mobile app. However, the payment was reimbursed on XX/XX/year>, and a past due fee of XXXX also posted that same day. I contacted customer service on XX/XX/year>, to better understand why the payment was reimbursed, but I have not yet received a clear explanation. 
Additionally, I followed up with customer service again on XX/XX/year>, regarding a payment of {$610.00} due to that amount shown that was needed to be paid. My account was not updated until XX/XX/XXXX of 2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$450.00} UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-07-12 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: CA

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccurate items that are currently being reported on my credit file. These errors are seriously impacting my creditworthiness and have caused me financial and emotional distress. I am requesting the Consumer Financial Protection Bureau ( CFPB ) to investigate these matters and ensure the credit bureaus comply with federal law, particularly the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), in handling and correcting these inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} * * Law Issue : FCRA 611 and FDCPA Section 809 Debt must be validated upon request Story : This collection is inaccurate and not mine. I demand verification through a full itemization, signed agreement, and proof of ownership of the debt. If you can not provide it within the required timeframe, this entry must be removed. 

XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 604 ( a ) ( 3 ) Permissible purpose required for hard inquiries Story : I never authorized XXXX XXXX to access my credit on this date. This hard inquiry was done without my knowledge or consent and is a violation of my privacy rights. Please remove this inquiry from my report. 

XXXX XX/XX/XXXX Inquiry Law Issue : FCRA 604 Consumer authorization required Story : I did not apply for any services or loans from XXXX. This inquiry is unauthorized and misleading. I request immediate removal.

These inaccurate addresses, account misreportings, and unauthorized inquiries demonstrate negligent handling of my personal information and repeated violations of the FCRA and FDCPA. I respectfully request that the CFPB compel the credit reporting agencies and furnishers to investigate these errors thoroughly, remove all unverifiable or inaccurate data, and provide me with written confirmation of all corrections made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
As of this filing, XXXX 20-day statutory rescission response period under TILA remains open ; however, their documented acts of forgery and obstruction warrant immediate regulatory attention. 

XXXX XXXX XXXX has failed to honor a valid rescission under the Truth in Lending Act ( TILA ) as set forth in 15 U.S.C. 1635. I sent a certified rescission notice on XX/XX/year>, delivered XX/XX/year>, within my legal right. XXXX deliberately obstructed my rescission rights by forging a USPS green return receipt card ( XXXX  XXXX ), altering serial numbers, handwriting certified mail numbers, and misspelling my name. USPS tracking confirms the original XXXX XXXX number, but the returned green card does not match USPS records. 

XXXX further dishonored its obligations by falsely claiming note ownership while disclosing securitization pool information, mischaracterizing my Qualified Written Request as a Notice of Error, failing to respond with documentation to two separate Qualified Written Requests submitted pursuant to RESPA, and ignoring all lawful demands. 

The final demand letter enclosures doc has prrof of mail fraud and an attempt to spoil the chain of custody and interfere with alwful recisssion. 

The QWR response file has proof of fraud in factum stating that they are the note owner while also providing a ecuritzation pool number.

XXXX XXXXXXXX XXXX as originating lender, was also notified of rescission but has failed to take corrective action. 

Company Complained About : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Account/Loan Number : XXXX  Securitization Pool Number : 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 2025-07-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: International Computer Systems, Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding a paid collection account reported by XXXX XXXX XXXX  ( Account # : XXXX ). This account has been paid in full, yet it continues to appear on my credit reports with XXXX, XXXX, and XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), information must be accurate and up-to-date. I have contacted the furnisher and the bureaus with a goodwill deletion request. Given the accounts paid status, I believe its continued presence is punitive and not reflective of my current credit behavior. 
I respectfully request the CFPBs assistance in facilitating the removal of this item from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: AL

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Goal Structured Solutions, LLC
State: NC

Complaint narrative:
" Since filing my original complaint, I discovered that XXXX XXXXXXXX transferred my solar loan ( account # XXXX ) to Launch Servicing without resolving the underlying issues. The project was declared complete and funded without my approval, despite 1. Florida Property ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Issue : The solar installation was never completed, yet XXXX XXXX ( Customer Number : XXXX ) paid XXXX XXXX without my approval. 
Details : XXXX XXXX claimed my roof needed repairs and rolled these costs into a {$91000.00} loan, but provided no cost breakdown or documentation.

I never received contract documents, loan details, or a breakout of costs necessary to claim solar tax credits.

Despite repeated attempts over years to contact both companies, I received no response.

I enrolled in autopay ( XXXX XXXX XXXXXXXX ), but stopped it through my bank when I realized the installation was incomplete and undocumented.

The loan is now in default, causing credit damage.

Concerns : XXXX XXXX and XXXX  XXXX engaged in deceptive practices by disbursing and collecting payments for an incomplete project without my consent or proper documentation. Recent complaints against XXXX XXXX highlight deceptive sales tactics, incomplete installations, and false promises on rebates or tax credits. Similarly, XXXX  XXXX has faced allegations of misleading sales and deceptive financing in solar projects, including a 2024 Minnesota AG lawsuit for fraudulent practices. 
. 



Now, XXXX XXXX expects payment on this disputed debt, which could lead to default, credit damage, and sale to debt collectorsfurther harming me financially and emotionally. This transfer seems designed to evade accountability, as the companies pass responsibility while ignoring my disputes. I request investigation into these practices and assistance in canceling the loan, obtaining refunds, and preventing collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
An unknown 3rd Party submitted a loan request without my knowledge or consent. I Did Not apply for a CASHNET loan with my banking info on XX/XX/year>. 

I applied XX/XX/year>. I DID NOT apply again on XX/XX/XXXX. I never provided Cashnet USA my bank info. 

CASHNET USA refuses to divulge who Applied for a loan AGAIN without my permission or consent on XX/XX/year>. I recorded the CASHNET Fraud Employee stating the company has no way of knowing who the 3rd party is. Cashnet USA grants loans blindly and anonymously. Please review the audio attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XX/XX/XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX And XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Subject : Final FTC Complaint Notice Inaccurate Credit Reporting, Failure to Validate, and XXXX XXXX XXXX Dear XXXX XXXX XXXX and XXXX XXXX XXXX, This letter serves as an official notice that I have filed an FTC Identity Theft and Fraud Report regarding your companies conduct, specifically your failure to provide legally required debt validation and your continued furnishing of incomplete and misleading information to credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Despite my formal written requests for debt validation, you have : Failed to provide any proof of the alleged debt, including original contracts, itemized balances, or legal assignment documents. 
Continued to report these unverifiable accounts to XXXX while falsely showing they are also reported to Equifax and TransUnion. 
Created inconsistencies between your reporting and my official reports from XXXX, where these accounts do not appear on all three bureaus as claimed. 

These actions constitute willful noncompliance under federal law : Violations of the Fair Credit Reporting Act ( FCRA ) : 607 ( b ) : Failure to ensure maximum possible accuracy of information furnished 623 ( a ) ( 1 ) ( A ) : Providing incomplete or inaccurate information 623 ( a ) ( 3 ) : Failure to mark the account as disputed after written notice 611 ( a ) : No evidence of a reasonable reinvestigation Violations of the Fair Debt Collection Practices Act ( FDCPA ) : 809 ( b ) : No validation of the debt after written request 807 ( 8 ) : Misleading credit reporting 808 : Using unfair or deceptive means to collect without verification In addition, I have filed an FTC Identity Theft Report against your companies based on your failure to validate, your deceptive credit reporting behavior, and your violation of my consumer rights under federal law. Your actions may also fall under Section 5 of the FTC Act, which prohibits unfair and deceptive business practices.

Final Demand : You have 4 business days from the date of receiving this notice to delete these accounts from all credit bureaus. If you fail to comply, I will : Report your company to the Consumer Financial Protection Bureau ( CFPB ) Submit complaints to the Tennessee Attorney Generals Office Retain legal counsel to pursue civil damages under FCRA and FDCPA I am not requesting a correction I am demanding full deletion of these unverifiable and misleading accounts from all credit reporting agencies. You are legally required to cease collection and reporting unless the accounts can be properly verified and legally validated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, I contacted Chase about multiple charges made to my credit card that I did not do. They credited my account and told me I was not liable for any charges I did not make. On XX/XX/XXXX, they sent me a letter stating that I was responsible for some of those charges I did not make. The total amount they are trying to make me pay is {$940.00}. They are claiming I benefited from those transactions and one apparently was sent to my billing address when I did not make those purchases or received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
On XX/XX/2025, I mailed a certified letter to [ Company Name ] requesting full validation of a collection account they are reporting to XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must provide written verification of a debt upon request before continuing to report or collect on the account.

As of today, I have not received any response or validation from the company. Despite their lack of response, the account is still being reported to the credit bureau. This is a violation of my consumer rights under both the FDCPA and the Fair Credit Reporting Act ( FCRA ), which requires accuracy and accountability in credit reporting.

I am requesting that this unverified account be immediately removed from my credit report due to the companys failure to validate the debt within the required 30-day period.

Company response to consumer: Closed with explanation