vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-22 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: OH

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Fairway Capital Recovery, LLC
State: CA

Complaint narrative:
I respectfully contest any inaccurate or undocumented information on my credit report, including unproven claims. I am adhering to the FCRA and the accepted STANDARD of XXXX XXXX data field reporting. Allegations of delinquency and inquiries must be supported by factual evidence. It is imperative to report accurately and in compliance with federal and state laws. Please ensure the veracity of all claims. I kindly request you to provide physical, verifiable evidence to substantiate the account 's existence and permissible usage. If such evidence is lacking, I expect the removal of the account from the report. I authorize you to send me physical documentation of your actions and an updated credit report FAIR CAP REC - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase collections services keeps calling me asking for my ex-wife. I get a call at least once every day. I do not share any Chase accounts, credit cards, mortgages, etc with my ex-wife. They will not remove my phone number because my ex-wife will not call Chase and ask them to do so because she is afraid they will ask her for money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: MD

Complaint narrative:
I'm writing to bestow my XXXX concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX received a letter from Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX estate a deposit was made into his account on XX/XX/year> the date of death. The amount that was deposited into the account was {$61000.00}. Why would a financial institution would make such of a deposit? When XXXX XXXX XXXX passed on XX/XX/year>. How did they knew to deposit some funds into the account on the date of death? If you have any questions are concerns please address it to XXXX XXXX XXXX at the address provided. 

XXXX XXXX Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
On XX/XX/year> my Vehicle was disabled in an accident and towed by the XXXX XXXX Police to the police pound in XXXX XXXX XXXX. I was hospitalized From XXXX XXXX XXXX XXXX XXXX XXXX I could not retrieve the vehicle. Despite being current and unable to access the vehicle due to hospitalization my vehicle was repossessed and impound on or about XX/XX/year> by GM Financial. On XX/XX/XXXX I went to the impound for my vehicle it had been Repossession GM Financial sent to be Auction. Despite never missing any payment, being current on all loan payments, and my account was set up for auto pay so I never miss any payment. GM sent me a letter to sign transfer of title I refuse cause I was current on my car loan and they repossession was Fraud abuse of an elder. Last I had to pay GM Financial {$3200.00} to return my Vehicle when I ask for and itemized receipt showing each fee charge or payment included and the date each was assessed the could not provide. My car should never been repossession I was current on my payment. Never miss a payment in XXXX  year. Try to retrieve my vehicle from GM was extremely frustration experience Over several week spent XXXX to XXXX hour on hold calling every day get no clear information about the vehicles location on XX/XX/XXXX my Vehicle will be return to me this should never happen to anyone. that paid the bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: CO

Complaint narrative:
I've been unable to access my Optum Bank XXXX account online for over XXXX weeks now. They have promised call backs and said they have filed tickets. Nothing is being done. Have spent more than XXXX hours at various times just waiting on the phone to speak with an agent or supervisor. No one is actually addressing the issue of fixing my access. I do not have access to funds that are rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: CA

Complaint narrative:
THIS ACCOUNT WAS REPORTED IN ERROR AND DOES NOT BELONG 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 non-monetary relief
Consumer complaint received 2025-10-22 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: NJ

Complaint narrative:
XXXX'Sofia RodriguezXXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services, LLCXXXX XXXX XXXX XXXX XXXX XXXXSubject: Dispute of Inaccurate Information on My Credit ReportXXXXDear Equifax,XXXXI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from XXXX This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.XXXXDisputed Account DetailXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:XXXXCopy of IDXXXXSSNXXXXProof of AddressXXXXAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.XXXXRequest for ActionXXXX. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.XXXX. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within five (5) business days, and a final resolution within the legally mandated timeframeXXXX. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordinglyXXXXFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.XXXXLegal NoticeXXXXPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actionsXXXXThank you for your prompt attention to this matter. Please send any responses or updates to [Your Address/Email]XXXXSincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: TX

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 explanation
Consumer complaint received 2025-10-22 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: RockLoans Holdings LLC
State: CA

Complaint narrative:
On XX/XX/year> I was scammed by someone claiming they were XXXX representatives and my XXXX account was hacked and money was taken by someone using cryptocurrency. When they connected to my computer to " replace the money taken back into my account '' they were somehow able to obtain my personal information and took out a loan in my name with my information for approximately {$45000.00}. Once I realized what had happened, I immediately closed down my computer and began making phone calls to my bank, the sheriff 's office, the credit bureaus, as well as filing reports with the identity theft department of the government, the FBI and the attorney general of XXXX. I called Rocket Loans and explained to them what happened and provided them with the documentation they requested, and they said they would investigate and get back to me. They got back to me approximately XXXX days later and said there was nothing they could do as the transaction came from my XXXX address. I began to panic and tried finding an attorney to help with no progress. Some never even returned my call or email and I am assuming there's not enough money in a case like this for them. I am now on the hook for this huge loan that I never took out. Several months have gone by with me trying to get some help with this to no avail. I called Rocket Loans again a few days ago trying to figure out what they were going to do if I didn't pay and they said they would report it to the credit bureaus as a " charge off '' and this would negatively affect my credit for no less than 7 years. I have always made sure to keep a good credit score ( it is currently excellent at XXXX ) and I am devastated that this will ruin it from no wrongdoing of my own other than allowing myself to be scammed. They would also turn it over to a debt collector and I could be taken to court. I only have a few more days before they report to the credit bureau. ( I also saw on their site that there are XXXX notices and disclosures that say they have a digital signature and I have never ever seen XXXX! ) I called XXXX and a representative told me to file a complaint with the CFPB so here I am with what I believe is my last hope. I am now signed up for XXXX and hope I never have to use it as this has been nothing short of a nightmare. I pray you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Team Recovery Inc.
State: OH

Complaint narrative:
I hereby formally dispute any unsubstantiated or inaccurately documented information on my credit report in compliance with the FCRA and XXXX XXXX reporting standards. Allegations lacking factual proof, particularly those of delinquency and derogatory nature, are contested per legal mandates for precise reporting. It is imperative that claims adhere to the law and regulations. I kindly request verifiable evidence supporting the account 's validity and its permissible use. Should these criteria not be met, I request the removal of said information from my report and authorize the mailing of physical documentation regarding your actions and my updated credit report. Your cooperation is appreciated. 

XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Heres your personalized dispute letter for XXXX XXXX, ready to print or upload to XXXX. 


-- - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Michigan XXXX Date of Birth : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX Subject : Formal FCRA Dispute Account # XXXX / National Credit System To Whom It May Concern, I, XXXX XXXX, am formally disputing the inaccurate and unverifiable information appearing on my XXXX  credit report. The account listed below is being reported in error and violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Account Information : Creditor Name : National Credit System Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$780.00} Date Opened : XX/XX/XXXX Reported By : XXXX  Reason for Dispute : I have no contract, agreement, or account with National Credit System. Under

FCRA 15 U.S.C. 1681s-2 ( a ), any furnisher of information must ensure all data reported to consumer reporting agencies is accurate and verifiable. This account is not being reported on my other two credit reports XXXX XXXX XXXX XXXX XXXX  which raises serious questions about its accuracy and legitimacy.

Under FCRA 15 U.S.C. 1681i ( a ), I am requesting that XXXX  conduct a complete reinvestigation of this account. If the furnisher can not verify the information with proper documentation including my signature or a binding contract this account must be deleted immediately from my credit file.

Please provide : 1. The full name, address, and phone number of the furnisher that verified this account.

2. A copy of all documents used to verify its accuracy. 


XXXX. Written confirmation once the account is corrected or removed. 



If the account remains after reinvestigation without proper verification, I will file formal complaints with

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have maintained a XXXX loan with Synchrony Bank since XXXX and have never been late on any monthly payment throughout the duration of the loan. The loan was paid in full on XX/XX/XXXX. However, my credit report incorrectly reflects late payments ( over XXXX days past due ) for the months of XXXX and XXXX. I contacted Synchrony Bank for clarification, and the bank confirmed that there were no records of any payments being over XXXX days late.

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 2025-10-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Cease and Desist Unauthorized and Inaccurate Reporting Dear Credit Bureau Representative, I am writing to formally request that you cease and desist from reporting, sharing, or otherwise publishing any and all inaccurate, unverifiable, or unauthorized information on my credit file. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$730.00} date opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to ensure that all information furnished in my credit report is accurate, complete, and verifiable. I have previously disputed certain items on my report that remain inaccurate or have not been adequately verified within the time frame mandated by law. 



As a result, I am now demanding that you immediately cease reporting these unverifiable accounts and remove any related information from my credit file. Continued reporting of these inaccuracies constitutes a willful violation of the FCRA and subjects your agency to potential civil liability. 



Furthermore, I am instructing you to stop any further collection, communication, or dissemination of any disputed information to third parties unless and until it has been fully verified according to the FCRA. 



Please provide me with written confirmation that the disputed and unverifiable information has been removed, and that you have ceased any further reporting or distribution of such data. 



Failure to comply with this request will leave me no choice but to pursue all available remedies under federal and state law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 



Thank you for your immediate attention to this matter. 



Sincerely, 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