vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am disputing a false address still being reported on my credit file by XXXX Transunion & Equifax ]. I have never lived at XXXX XXXX XXXX XXXX AL XXXX and it does not belong on my credit report. It is affecting my ability to verify my identity and be approved for financial products. I have attached valid identifying documents which is a government-issued ID and a current bank statement. Both documents show my correct and current address. I have opted out of all third-party data providers such as sagesteam, factortrust, clarityservices, lexis nexus, and optoutprescreen, which mean there is no legal, accurate way to validate that incorrect address under the Fair Credit Reporting Act. I respectfully request immediate deletion of the false address.

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 2025-06-18 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: MD

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-18 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: CT

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-06-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.I previously disputed this account information from my credit report, I don't agree with your investigation, the company reported this account inaccurately without my permission, In can provide me supporting Documents with my name and signature on the 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 2025-06-18 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: NV

Complaint narrative:
chase credit card : {$320000.00} XXXX  XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX : {$2100.00} these are all the credit card debts I have as of XX/XX/25. I know longer use them cause I don't wan na continue the debt anymore. But due to medical and not working I couldn't keep myself from paying bills. I have too many responsibilities as a XXXX XXXX XXXX and with a lot of medical issues it's hard not to be able to afford a lot of things at this age.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelson Cruz & Associates LLC
State: TX

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-18 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: OR

Complaint narrative:
These accounts are being reported under my name without my knowledge, consent, or authorization. I have never opened, managed, or approved these accounts. Their presence on my credit report is entirely unacceptable, as it reflects false and misleading information about my financial history. 
I take the accuracy of my credit profile very seriously, and the appearance of these unauthorized accounts is deeply concerning. I demand an immediate explanation as to how and why these accounts are being reported, and who is responsible for this error.

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 2025-06-18 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: FL

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: M&T BANK CORPORATION
State: WV

Complaint narrative:
I was behind on my mortgage due to medical issues. I made an arrangement to make XXXX payments and thus would fix the situation. I made the first payment and then the loan switched companies, as a result, my next payments went to the wrong address. By the time I was aware, it was XXXX days before foreclosure and I tried to get an extension on the foreclosure so I could reinstate. I was refused help. I called several times, my phone calls were not returned. On the day if the sale, I ended up getting the money for reinstatement, but it was after the XXXX sale time. There were no bidders on the property and it went back to the bank. I tried to reach someone on several occasions with no reply. I filed an escalation to speak to someone, the only thing I have received is an email stating that they are looking into my inquiries. Now I'm facing eviction. I received a notice that I was entitled to a face to face meeting, but I was never given thus either.

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 2025-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since XX/XX/XXXX I have been requesting all hard inquiries, wrong phone numbers and address, negative, and collections from my account. And to send an update accurate credit report I have not received.i also had an agent by the Tyro call on XX/XX/XXXX asking me to give all my information of the inquiries, negative, and collections. When all this information is in their system the letters I have sent in the mail, via the cfpb website and phone conversation. I felt as if TransUnion is not by consumer laws doing a proper Investigation. It has cause XXXX  and XXXX which had lead to me taking medication.

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 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have made XXXX successful payments to my Wells Fargo XXXX XXXX XXXX XXXX. 

I received a letter in the mail from Wells Fargo saying I need to use an account with sufficient funds. As you can see I am using an account with sufficient funds.

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 2025-06-18 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: NC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 DPT EDXXXX 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 UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
On XX/XX/year>, I received an electronic message from Ally Financial stating that my vehicle had been assigned for repossession. However, I have not received any prior written notice of default, right to cure, or notice of sale as required under state and federal law, including UCC 9-611 and Truth in Lending Act ( TILA ) protections.

This alleged repossession activity is being initiated without proof of claim and without Ally Financial establishing themselves as the holder in due course of the original promissory note or retail installment contract. I submitted a Conditional Acceptance demanding Ally prove ownership of the debt by producing : The original wet-ink promissory note or a certified copy A chain of title or assignments demonstrating legal ownership A sworn affidavit from an Ally officer with personal knowledge of the account Disclosure of any securitization or transfer of the debt To date, Ally has failed to respond with any of these required disclosures. 

I believe Ally Financial is attempting to repossess my property without due process, and without standing as a lawful creditor. This may constitute fraudulent collection activity, unfair or deceptive acts and practices ( UDAP ), and violations of the FDCPA and TILA. Furthermore, if this loan has been sold or securitized, Ally may be acting without legal authority.

I am requesting that the CFPB investigate Ally Financials repossession practices, compel them to verify their claim and authority, and ensure that no further action is taken until they respond with proper documentation. If no verified claim can be produced, this account should be marked as closed, with no further adverse actions on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
[ XXXX XXXX ] [ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX ] [ XXXX XXXX ] [ XXXX ] [ XX/XX/year> ] To : CFPB Subject : Dispute Under FCRA Request for Deletion per 15 USC 1681i ( a ) ( 5 ) ( A ) Dear [ CFPB ], I am writing to formally dispute the following account listed on my credit report. The information is either inaccurate or unverifiable : - Accounts Name : [ XXXX XXXX XXXX XXXX ] & [ PORTFOLIO RECOVERY ] - Account Number : [ XXXX  ] Under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), you are required to * * delete or modify * * any information that is * * inaccurate * * or * * can not be verified * * during your reinvestigation process. 

I request that this item be removed from my credit report unless you can provide verified documentation of its accuracy within the required 30-day timeframe. 

Please send me the results of your investigation in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I received an alert on XX/XX/XXXX XXXX that a collection agency furnished again fraudulent personal information on my credit report stating that my address is in XXXX XXXX, FL which Ive never lived in XXXX XXXX, Florida with an account thats not mines.

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 2025-06-18 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: TX

Complaint narrative:
I have reviewed my credit report and identified a hard inquiry that I never authorized. I have not applied for any new credit nor consented to any credit checks around the time this entry was posted. As such, this inquiry was placed in error or without my permission. Please remove this inquiry to ensure the report accurately reflects my activity.

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 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
Request a verification of the debt signature and the debt and chain of assignment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00}

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 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Im submitting this second CFPB complaint because my Apple Card account issue remains unresolved, despite Goldman Sachs already admitting in writing that I was given incorrect information about how interest would be handled upon closure. 

In my original complaint ( CFPB Case # XXXX ), Goldman Sachs acknowledged that a representative misinformed me on XX/XX/year>2025, by stating that no interest would accrue after my account was closed. I closed my Apple Card account that same day based on this statement. 

They claimed to issue a credit of {$87.00} to account for interest charged in XX/XX/year>2025, but I can not confirm that this was ever applied. My balance as of XX/XX/year>2025 is {$3700.00}. Despite my 100 % on-time payment history, I continue to be billed for interest and was notified that interest will continue to accrue in the months ahead, directly contradicting what their own representative told me. 

Prior to that, I had also reached out in XX/XX/scrub> 2025 inquiring about financial hardship options and was misdirected, delaying my ability to manage my account proactively. 

So far, Goldman Sachs has admitted to the misinformation, but has offered no effective correction no comprehensive interest waiver, no documented credit applied to my balance, no payment plan, and no settlement offer. Just an acknowledgment of error and a vague attempt to close the case.

Im requesting this issue be re-reviewed and resolved through actual corrective action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Disputed a charge for an item that was not as described. Bank never asked for additional information and closed my case and reversed the 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 2025-06-18 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: IL

Complaint narrative:
I was charged with two unauthorized purchases at two different XXXX stores in XXXX. One was on XX/XX/year> for a purchase of {$51.00} and the other was on XX/XX/year> for a purchase of {$51.00}. I had chase open a claim for investigation, claim number : XXXX they unfortunately closed the claim saying I had authorized this purchase through a digital wallet. I reached out to XXXX to get a case id of these purchases. They were able to see in their end that these purchases couldn't have been made by me. They provided me with a case id : XXXX. I reached out to Chase to reopen the claim but they have not done so.

Company response to consumer: Closed with explanation