vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I am filing this complaint against BMW Financial Services for willfully and repeatedly violating federal law by furnishing false, inaccurate, and unlawful derogatory information about my paid and closed account ( Account # XXXX ) to XXXX XXXX and XXXX. 

Despite this account being fully satisfied and closed, BMW has continued to report : False late payment history A charge-off status without contractual justification A fabricated post-lease balance not disclosed, billed, or validated I have disputed this information multiple times, both directly with BMW and through the credit bureaus. BMW has refused to correct or delete the invalid data, continues updating the derogatory status monthly, and has failed to provide any legal basis or billing history to support their position. 

Violations Committed by BMW Financial Services : FCRA 1681s2 ( a ) ( 7 ) : BMW failed to notify me in writing within 30 days of furnishing the original negative information a clear statutory requirement. 

See : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX ) FCRA 1681s2 ( a ) ( 8 ) : BMW failed to lawfully process my prior direct dispute and refused to update or delete incorrect data. 

See : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXXXXXX XXXX XXXXXXXX ) ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) FCRA 1681s2 ( b ) : After receiving notice of the dispute from the credit bureaus, BMW failed to conduct a reasonable reinvestigation and continued furnishing inaccurate data, thereby violating a section of the FCRA that provides a private right of action. 

See : XXXX v. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXXXXXX ) ; XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) Post-closure balance reporting ( fabrication ) : BMW added a phantom balance after the lease had ended, which was never disclosed, billed, or contractually agreed to. This constitutes deceptive furnishing and false credit reporting. 

See : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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 writing to dispute the accuracy of a collection account reported by XXXX ( account ending in XXXXXXXX XXXX XXXX XXXX XXXX  ), dated XX/XX/year>, with a balance of {$150.00}. This derogatory account is currently appearing across all three major credit bureausEquifax, XXXX XXXX XXXXXXXXyet I have no verifiable knowledge of this debt, and I was never notified of any balance owed prior to it being sent to collections. 

This entry is deeply concerning because I have not received any legitimate billing statement, service cancellation notice, or formal collections correspondence from XXXX. The account is unfamiliar to me, and I have taken steps to maintain all of my service accounts in good standing. Given the wave of data security issues and breaches that have affected major corporations in recent yearsincluding XXXX and the credit bureaus themselvesI strongly suspect this may be a case of inaccurate data stemming from a breach or compromised consumer records. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit bureaus are required to conduct a proper and timely reinvestigation of any disputed item, and any data that can not be verified with original, reliable documentation must be promptly deleted under 15 U.S.C. 1681i ( a ) ( 5 ). Additionally, 15 U.S.C. 1681e ( b ) mandates that all information reported about consumers must be accurate and complete. Reporting this collection account without properly confirming its legitimacy is both misleading and damaging to my financial standing. 

This negative mark is now unfairly affecting my creditworthiness and causing stress, especially since I was never informed of any delinquency by XXXX itself. I have always taken my financial obligations seriously, and I deserve clarity and fairness in how my credit history is represented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
We used Clover ( acquired by Fiserv ) to process two payments ( XX/XX/XXXX for {$1900.00}, and XX/XX/XXXX for {$2600.00} ). We were told when we signed up with Clover that our payments should be available and deposited in our bank account between 1-3 business days. However, we have yet to have our funds distributed to us. On XX/XX/XXXX we were billed and our account was drafted for {$1900.00} for all of our processing from the month of XXXX, but no deposit. 

When I contacted the company, no one in customer service could give me an answer as to why my funds weren't made available, I was told they I have to wait to hear from the Risk assessment department or Security team. I was not allowed to speak to this team myself, and I have sent them numerous emails over the last 2 days, still with no response. 

I was charged for the two transactions mentioned above ( at about 3.5 % each ), but never paid for them - that's not what I agreed to and in essence is taking my money without a service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: Alorica Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute a personal loan account that appears on my credit report and/or has been reported to me by your institution. I did not apply for or authorize this loan, and I believe it to be the result of identity theft. 

Below are the details of the fraudulent account : Loan Account Number : XXXX Loan Amount : {$15000.00} Reporting Institution : GOLDMAN SACHS BANK USA I request that you immediately investigate this matter and take appropriate action to close the fraudulent account. Additionally, I ask that you remove any related inquiries and negative marks from my credit report, and confirm that I am not held liable for any associated debt. 

Attached are copies of the following documents to support my claim : A copy of my government-issued ID A police report or FTC Identity Theft Report ( if available ) A recent utility bill or other proof of residence Any other relevant documentation Please confirm in writing once this account has been removed and the issue resolved. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any information on my credit file that I believe is inaccurate or fraudulent. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 non-monetary relief
Consumer complaint received 2025-06-04 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: MD

Complaint narrative:
Because of a data breach that compromised my personal information, fraudulent accounts have been placed on my credit report. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$170.00} Inquiries XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
was scammed out of {$1200.00} ( XXXX {$300.00} transactions, and a {$500.00} and {$100.00} transaction using XXXX XXXX. The funds were drawn from my Chase checking account. The scam involved multiple individuals who deceived me into sending money through XXXX XXXX. I contacted Chase for help and filed a dispute, but I was told they can not help because it was an XXXX XXXX transaction. XXXX also declined to refund me. This has caused significant financial distress, and I feel that Chase has failed to investigate or support me as a customer. 

I made these transactions b cause I saw Chase offered dispute options. They did not specify the conditions, like how if I made it through XXXX they would not be able to help. I made this transaction thinking they would help me in case of a transaction in which I did not receive the item as stated on their website and official app. I feel very betrayed as a customer that they just said theres nothing they can do when I trusted them completely. 

am asking for the CFPB 's help in getting Chase to review this situation as fraud and offer appropriate resolution. I have records of the transactions and can provide supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
Diversified reported a {$200.00} collection account on my credit report for a XXXX bill I do not owe. I was never contacted by Diversified before this was reported to the credit bureaus, and I was not given a chance to dispute or verify the debt. 

After seeing the account on my credit report, I contacted XXXX, who refused to give me any documentation or

confirmation that I owe the debt. They told me to deal directly with Diversified.

I contacted Diversified and asked them to provide proof and details of the debt, but I have not received any validation. This account caused my credit score to drop by XXXX points, and I am requesting that Diversified remove the account from all credit reports unless they can properly validate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MO

Complaint narrative:
Something has dramatically impacted my credit score and I have nothing that should be impacting my credit score. I don't have a credit card or cards, loans, leases or anything and was wondering if you could help me look into it please

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 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Date : XX/XX/year> Amount : XXXX Request for Debt Validation ( FDCPA 809 ) Dear IC System, I am writing in response to a notice I received from your agency regarding an alleged debt. I do not recognize this debt and am requesting that you validate it as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information : 1.The name of the original creditor.

2.The amount of the alleged debt, including a breakdown of principal, interest, fees, and other charges.

3.A copy of the original contract or agreement bearing my signature, or other documentation showing I am legally obligated to pay this debt.

4.Proof that your agency is authorized to collect debts in my state.

5.Proof that you are legally entitled to collect this particular debt. 

Until you provide the requested validation, please cease all collection activities, including reporting this alleged debt to credit bureaus. If you have already reported it, please inform the credit bureaus that the debt is disputed. 

Be advised that any further attempt to collect this debt without validating it is a violation of the FDCPA and my consumer rights. 

I request all communication from your agency be in writing.

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 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
As a result of a data breach, my credit report now contains fraudulent accounts. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting they be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts Inquiries 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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In the months of XXXX and XX/XX/year>, I was hospitalized following an automobile accident. During this period, I noticed multiple fraudulent charges on my account from the same company. I initiated an investigation regarding these charges, and the merchant subsequently refunded the money. However, when I filed a chargeback for the amounts from XXXX and XXXX, totaling {$22000.00}, Citibank closed my account and declined to pursue the investigation any further. I received a letter indicating that since my card was in my possession at the time of the charges, the investigation was deemed closed. Since that time, I have been unable to find anyone who can assist me in understanding how to contest this situation or recover the funds that were in my account. Citibank merely informs me to await further correspondence in the mail, which consistently states that my account is closed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: FL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief