vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weber & Olcese, PLC
State: MI

Complaint narrative:
I originally contacted the law firm in XXXX, XX/XX/XXXX reaching out about the debt received no email back, the garnishment went into effect in shortly after that. The amount the judge granted was paid out in XX/XX/XXXX. I was then under the impression it would go away. Well we are a year and some months away from that and i have still yet to hear anything from the law firm regarding the garnishment being satisfied and it is still being reported as delinquent the debt of the XXXX dollars is gone but as of around XX/XX/XXXX they started reporting that i owe them and additional i believe XXXX dollars. I have called and emailed over and over again and most recently i have contact them XX/XX/XXXX as well as XX/XX/XXXX and they are not responding and i have received no communication as to why I am being charged more debt that I didn't incur I am unsure where to turn to please let me know if you can help Webber Olcese attorneys and counselors - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - contact XX/XX/XXXX Court case number - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XXXX, I attempted to make a XXXX transaction using my personal checking account. I received notification that the transaction failed. I attempted it again and got the same notification. I called the bank and was told it was a systems error and to try again later. I did and received the same error. Each time I received notification via email that the transaction failed. A few hours later, I checked my account and the amount had been debited from my account despite the notification that it failed. However, the recipient never received the funds. I again called the bank and was told it was a systems error but it would take XXXX business days to return my funds. This is not ok- they took money directly from my account and now they are telling me it cant be returned as quickly as they took it. I now cant submit the payment through another means because the payment was deducted and the funds are now not in my bank account. The bank should be able to credit it right away especially since 100 % of the error is on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: KY

Complaint narrative:
I has to order a new card due to misplacing mine and I have been on hold for hours and days now with no answer from XXXX XXXX. Cant pay my bills, buy food or anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Dispute and Validation Request for Charged-Off Account XXXX XXXX XXXX XXXX I am formally disputing the reporting of the charge-off account associated with XXXX  on my credit report. Under the Fair Credit Reporting Act (FCRA) and applicable [State Name| consumer protection laws, I am requesting complete and accurate documentation to verify the accuracy, validity, and legal standing of this account's reporting. Legal Basis for My Dispute As outlined in 15 U.S.C.  1681i (Reinvestigation of Disputed Information) and 15 U.S.C.  1681s-2 (Responsibilities of Furnishers of Information), furnishers must ensure the accuracy of information reported to credit bureaus. Additionally, case law, including XXXX  v. TransUnion CorXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforces the responsibility of furnishers to conduct thorough investigations when a dispute is filed. Inaccurate Reporting Notation For your convenience and clarity, I have highlighted the inaccurate and/or unverifiable reporting as it appears on my credit report. This information is either incorrect, incomplete, or cannot be substantiated. I request that these discrepancies be addressed in your investigation and documented in your response. Given these legal protections, I am requesting the following: 1. Authenticated Double-Entry Accounting Records Provide full double-entry accounting records for this account, including a transaction-level breakdown of debits and credits to confirm the accuracy of the reported balance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXstablished that creditors must provide substantive evidence beyond conclusory statements. 2. Proof of Legal Right to Report & Collect This Debt I request authenticated documentation proving your legal right to report and collect this debt under both federal and Texas law. This includes: 1 2 A copy of the original Tagreement establishing my obligation to pay this debt."

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: EQUIFAX, INC.
State: CA

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. 

Account Name : XXXX XXXX  XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$240000.00} Account Name : XXXX XXXX # XXXX -Date Opened XX/XX/XXXX -Balance {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that XXXX have been compromised. 
Account name : XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} Account name : XXXX XXXX XXXX  Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$5400.00} Account name : XXXX XXXX XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00} Account name : XXXX  XXXX Account number : XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} INQUIRIES XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: MD

Complaint narrative:
I was given an auto loan by GM Financial even though I did not have a valid drivers license. Because of this, I could not lawfully insure or operate the vehicle. Instead of addressing this, the lender/dealer arranged insurance through an agent who fraudulently placed coverage on the truck without my having a valid license, which is improper and illegal. 

From the beginning, I was placed in an impossible situation : I could not legally maintain the insurance or use the vehicle. This directly led to default, repossession, and sale of the vehicle at auction. The lender is now reporting a repossession and a remaining loan balance/deficiency on my credit report. 

This loan was originated under fraudulent and unfair conditions and constitutes an unfair, deceptive, or abusive act or practice ( UDAAP ) under the Dodd-Frank Act. A repossession and deficiency balance should not be enforced or reported when the loan was made under circumstances that made compliance impossible from the start. 

I request that the repossession be removed from my credit reports, the deficiency balance waived, and the CFPB investigate the lenders actions in facilitating fraudulent insurance and approving this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my credit report. Please remove these accounts, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
Disputing Amsher Collection ; debt was deleted before, reappeared, claimed verified but gave no proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit assessment fails to reflect my true financial situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I paid my Chase XXXX XXXX credit card ending in XXXX at an ATM outside the JPMorgan Chase bank at XXXX XXXX XXXX XXXX, XXXX XXXX, NJ on XX/XX/XXXX around XXXX XXXX XXXX I paid XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The payment never showed up on my acount. I called the credit card customer service team, they asked me to visit the branch, while the staff at the branch asked me to call customer srvice team again. They never tried to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I never authorized its creation or use. The enclosed documents provide support for my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MA

Complaint narrative:
DEAR CFPB ; NRA ; For the last 3-4 months i been disputing these random utility bills for different amounts that your company continues to illegally insert on my credit report. it was {$2800.00}, {$5600.00}, {$1700.00} for the last month, and now you just insert another alleged amount of {$620.00} without proper legal notice. Again, I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original company you listed, and was never provided proper notice of this alleged debt. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : * Original Credit Agreement ( if applicable, the contract I allegedly signed ) * Full Itemized Statement ( showing how the balance was calculated ) * Forward Flow Agreement ( proving debt transfer from original creditor ) * Chain of Title / Assignment Documents ( showing legal transfer of ownership ) * Complete Payment History Records ( verifying payments or delinquencies ) * Validation Notice ( per FDCPA 1692g ) * Notice of Default / Intent to Collect ( as required by law ) * Proof of Statute of Limitations ( confirming debt is legally collectible ) * Credit Reporting Agreement ( authorizing reporting to bureaus ) * Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses which do not constitute lawful validation. Therefore, the account remains unverified. 
Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ), 1681s-2 ( b ) and FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXXXXXX confirm that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit report is showing accounts that I never opened, authorized, or approved. These accounts were added without my knowledge, and the details being reported are inaccurate across all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by not properly verifying the accuracy and completeness of the information contained in my credit file. I have exercised my right to request full reinvestigation of every item in my report, yet the bureau has either not provided adequate verification or continues to report unverified information. This constitutes a violation of my rights under federal law and raises serious concerns about the integrity and accuracy of my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments that have appeared on my credit record without proper justification. After reviewing my records, I discovered the presence of these late payment entries which I believe to be inaccurate or improperly reported. Despite having sent correspondence regarding this matter over 30 days ago requesting validation and documentation, I have not received any response from the creditor, and they have failed to provide me with satisfactory proof or verification of these alleged late payments. I kindly seek your assistance in resolving this matter promptly and effectively through proper investigation of these disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is for synchronicity bank I was told and a dentist office by a front office person that it was an interest-free account they had me sign digitally I wasn't aware of what I was signing I didn't get any paperwork lo and behold I was slammed with late fees interest rates of XXXX something percent the minimum payments don't make a debt in the original principal I just had to call and get a additional late payment erased even though I made the payment on time I brought this to the attention of the company they told me that I was informed and I clearly was not informed I would not have signed up for this had I known all the details about it after doing some research it seems like I'm not the only one there are quite a few people that have been uninformed with Care Credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
In XXXX, I made a payment to Ally financial Ally financial place my payment on the balance of the loan not on my payment. This caused my payment to be 30 days late. I fought with the company because several representatives just assumed I missed a payment. I finally got somebody who realized what happened and put the payment on my monthly payment instead of the principal, but refused to take off the 30 day late. This was not my mistake. This was their system error and should not be held against me. I have made my payments on time with the company and should not be held responsible for a system error recently they have corrected stating XXXX was not late. XXXX was late. I have proof that all along theyve been saying XXXX was late now theyre reporting more fault information Ultimately this late payment should be removed. It has dropped my credit score almost XXXX points and my ex-husbands, which is furious with me.

Company response to consumer: Closed with explanation