vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldridge PIte Haan, LLP
State: CA

Complaint narrative:
When the debt collectors first contacted me, I owed a total amount of {$4800.00} in which we later came up with an settlement agreement of {$4400.00} ; which brought down the amount I owed {$400.00} less. The settlement stated that I had to pay monthly payments of {$560.00} for six months. Now, I was never sent a contract about these details through the mail or email in which they said they would send both. I never received it. I was only told this information over the phone. I have confirmation receipts of every payment Ive ever made to them I tried contacting the court several times to see if the debt collectors had let the court know that we came up with the settlement arrangement in which the courts told me that the debt collectors never contacted them until this day still have not contacted them. I have paid the total amount of {$4400.00} in full. The annoying part is every time I try getting the debt collector to send me a paper indicating my balance is paid full and that the case should be closed, They tell me that I still owe a balance of {$480.00}. I call them about 2-3 times per week and each time they say different things, wrong information, sometimes they say I still owe a balance of {$480.00}, sometimes they say I still owe interest ; other times they say to be patient until the case is closed. They say the case is still pending. In the middle of the six month payment arrangement I made with them they emailed me a new contract without my consent hiring the amount I owed. Can you guys please help me i just want this case closed and the court contacted. This stresses me out daily and is so inconvenient. down below, I will provide you the initial contract that I signed in which I never received up until I was practically done with the payments, and the other contract they emailed me out of the blue highering the amount I was supposed to be paying for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/year>, I received a letter from Chase Card Services ( dated XX/XX/year> ) informing me that someone tried to use my name and my personal information to apply for a Chase credit card which they declined. I called Chase and requested the address of the person who applied, as well as what information of mine that they used. The fraud specialist I spoke to at Chase said that I need to provide Chase with a copy of the report I should file with the Federal Trade Commission first before I can access that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have been divorced 10 years or so my ex spouse was supposed to assume the mortgage I have been very patient XXXX XXXX is giving me a hard time to get this off my credit so I can move on my ex spouse is not doing her part I need this off my credit I am a XXXX individual trying to get my own house having to live with my grandmother this situation hurts my credit every month my ex spouse is late on the mortgage that plainly states in divorce papers she is responsible for because she committed adultery so please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have been divorced 10 years or so my ex spouse was supposed to assume the mortgage I have been very patient XXXX XXXX is giving me a hard time to get this off my credit so I can move on my ex spouse is not doing her part I need this off my credit I am a XXXX individual trying to get my own house having to live with my grandmother this situation hurts my credit every month my ex spouse is late on the mortgage that plainly states in divorce papers she is responsible for because she committed XXXX  so please help 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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.
As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-08-11 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.
As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: GOLDMAN SACHS BANK USA
State: OK

Complaint narrative:
Formal Demand for Account Deletion Based on Legal Violations Goldman Sachs ' Legal Obligations Under UCC Article 3 UCC Section 3-401 ( a ) states no liability exists without the debtor 's signature on the instrument. UCC Section 3-403 confirms unauthorized signatures are legally invalid. Goldman Sachs must provide : original signed application with wet-ink signature ( not electronic copy ), proof of card delivery to my address, and signed cardmember agreement. 

Fair Credit Reporting Act Violations First, under 15 U.S.C. Section 1681s-2 ( a ) ( 1 ) ( A ), Goldman Sachs furnished inaccurate information by reporting conflicting charge-off dates ( XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ), impossible payment dates ( XXXX transactions marked as paid on XX/XX/XXXX ), and a balance exceeding the credit limit ( {$4400.00} vs {$4000.00} limit ). 

Second, 15 U.S.C. Section 1681s-2 ( a ) ( 8 ) requires complete debt validation. Goldman Sachs failed to provide signed application, complete transaction history, or proof of contractual agreement upon request.

Third, 15 U.S.C. Section 1681i ( a ) ( 1 ) ( A ) mandates proper dispute investigations. Credit bureaus violated this by using automated verification systems and ignoring documented contradictions. 

Regulatory Violations and Enforcement Actions XXXX XXXX XXXX requires banks to maintain complete account documentation, which Goldman Sachs XXXX not produce for this account. CFPB Regulation V ( 12 CFR Section 1022 ) prohibits robo-verification of disputes, which credit bureaus violated. The CFPB Consent OrdeXXXX XXXX fined Goldman Sachs XXXX XXXX for similar FCRA violations XXXX establishing a pattern of non-compliance. 

Required Actions Goldman Sachs must within 15 days : permanently delete this account from all credit reports, provide sworn affidavit confirming no valid signed application exists and the account was never properly validated, and cease all collection and reporting activity. 

Credit bureaus must within 15 days : remove the account per 15 U.S.C. Section 1681c-2, provide corrected credit reports, and disclose investigation methods used. 

Legal Consequences for Non-Compliance Private right of action exists under 15 U.S.C. Section 1681n for willful noncompliance ( statutory damages up to {$1000.00} per violation plus punitive damages ) and 15 U.S.C. Section 1681o for negligent noncompliance ( actual damages plus attorney fees ). This matter will be escalated to CFPB and OCC if unresolved. 

Supporting Documentation Available Upon Request includes certified dispute letters, credit report excerpts showing errors, and Goldman Sachs ' incomplete responses. 
This demand serves as both pre-litigation notice and regulatory complaint. Immediate action is required to avoid further legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

* * Demand for Validation & Cease Communication * * Pursuant to 15 USC 1692g, I dispute the referenced debt in its entirety and demand strict validation. * * CEASE ALL COLLECTION ACTIVITY IMMEDIATELY * * per 15 USC 1692c ( c ).

Your validation must include, per 15 USC 1692g ( b ), 1681i ( a ) ( 5 ), and 1666 ( b ) : 1. * * Proof of Contractual Obligation : * * Signed agreement establishing liability.

2. * * Complete Accounting : * * Itemized principal, interest, fees from {$0.00}.

3. * * Proof of Ownership : * * Documentation proving lawful assignment/purchase.

4. * * License Verification : * * Evidence of collector/licensee compliance in my state. * * Credit Reporting Demands : * * * If reported, ens
ure accuracy per 15 USC 1681e ( b ) ( reasonable procedures ).

* Provide all information furnished to CRAs per 1681i ( a ) ( 5 ). 
* * * Immediately suppress * * this disputed information from all consumer reports pending validation.

* * Privacy Demands : * * * * * Cease all non-public personal information ( NPI ) disclosure * * related to this disputed account per GLBA ( 15 USC 6801, 6802 ), except as expressly permitted by law.

* * Failure to validate voids the debt. * * Continued collection, reporting, or NPI disclosure without validation violates : * FDCPA : 15 USC 1692g ( b ) ( continued collection ), 1692c ( c ) ( communication ), 1692e ( false/misleading representations ).

* FCRA : 15 USC 1681e ( b ) ( accuracy ), 1681i ( a ) ( 5 ) ( furnisher investigation ).

* GLBA : 15 USC 6802 ( privacy ).

* TILA : 15 USC 1666 ( b ) ( billing error procedures ).

Send validation within 30 days. * * Confirm in writing that all collection efforts and credit reporting have ceased. * * Any future communication must strictly comply with 15 USC 1692c ( c ). This letter serves as notice ; preserve all records.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXX XXXX flight through the third-party merchant XXXX XXXX, paying in full using Affirm financing. The total charged to my Affirm account was {$1600.00}, which included an additional {$460.00} that was labeled as baggage fees. 
After the purchase, I reviewed XXXX XXXX official pricing and contacted them directly to confirm the actual baggage cost. XXXX verified that a round-trip carry-on bag fee should have been {$90.00} total, not {$460.00}. They acknowledged the overcharge and issued me a {$90.00} travel credit as a goodwill gesture, but they confirmed the majority of the excess charge was retained by the merchant. 

Following this discovery, I contacted XXXX XXXX multiple times to dispute the overcharge and request a full, accurate, itemized breakdown of charges. Their responses were inconsistent and contradictory : In their initial reply, they claimed the markup was approximately {$200.00} for administrative costs. 
Later, they sent a completely different breakdown that still did not reconcile with XXXX XXXX official pricing. 
At no point before or during checkout were these additional markups or inflated fees disclosed transparently. This lack of disclosure is a material omission and misrepresentation that directly impacted my decision to proceed with the purchase. 
I also contacted Affirm, as the financing provider for this transaction, to dispute the overcharge and request intervention. I explained that the transaction involved deceptive pricing practices by the merchant, yet Affirm has not reversed or disputed the overcharge on my behalf. Nor have they provided documentation showing exactly what the merchant charged for the flight versus ancillary services. 

Both companies have had ample opportunity to resolve this matter, yet the outcome has been unsatisfactory. The merchant retains funds for charges that were inflated and not disclosed prior to purchase, and Affirm continues to hold me responsible for financing those disputed amounts. 

This situation constitutes a deceptive and unfair business practice. I am requesting that Affirm issue a refund for the full overcharged amount and review their merchant relationships to ensure pricing transparency and compliance with applicable consumer protection laws. As a financing provider, Affirm has an obligation to investigate disputes thoroughly and ensure consumers are not financing transactions resulting from misrepresentation or lack of disclosure. 

I have documented all correspondence, screenshots, and pricing comparisons to substantiate my claim. I am prepared to escalate to additional XXXX and XXXX regulatory bodies if the matter is not resolved in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
INACCURATE INFORMATION IS POSTED IN MY CREDIT REPORT. THEY WERE NOT OPENED BY ME IT BELONGS TO SOMEONE ELSE WITH A SIMILAR NAME. IT IS NOT MINE. I WANT IT DELETED XXXX XXXX XXXX {$100.00} ACCOUNT XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I HAVE UNDERLINED THE DELINQUENCIES ACCORDING TO ALL 3 CREDIT REPORTS. CREDIT REPORTS DO NOT CORRESPOND WITH EACH OTHER. THIS INFORMATION IS INACCURATE. AS SUCH, I WANT IT DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: SC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
In early XX/XX/year>, I began receiving unsolicited communications, including mailpieces and a voicemail on XX/XX/year>, from Midland Credit Management , Inc. regarding an alleged debt. I have no knowledge of this debt and no contractual relationship with the claimed creditor. The company has identified the original creditor as XXXXXXXX XXXX XXXX XXXX XXXX 

I have requested that Midland Credit Management provide full validation of the alleged debt, including : the exact amount claimed ; the full, legally recognized name of the original creditor ; the date the account originated ; certified proof of assignment from the original creditor to Midland Credit Management ; the complete, unbroken chain of title showing all assignments or transfers ; a certified copy of the original signed contract meeting Uniform Commercial Code requirements ; and certified copies of all billing statements from account origination to present.

I also requested certified copies of XXXX XXXX XXXX XXXX XXXX Articles of Incorporation and Certificate of Formation, as well as Midland Credit Managements corporate registration to conduct business in the states of Indiana and Virginia. These are necessary to verify the legitimacy of the debt and the entities involved. 

As of this complaint, Midland Credit Management has not provided the requested documentation. Without this evidence, I can not verify the debts validity or ownership. The continued collection attempts without proper validation may violate the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692e prohibiting false, deceptive, or misleading representations.

I am requesting that the CFPB require Midland Credit Management , Inc. to provide complete validation of the alleged debt or cease all collection activity, and to ensure that any unverified tradeline is removed from my credit reports. XXXXXXXX XXXX Citizen of Indiana state All Rights Reserved without Prejudice

Company response to consumer: Closed with non-monetary relief