vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: PA

Complaint narrative:
I reviewed my credit report and found negative account being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-01 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: TX

Complaint narrative:
I am disputing the following items on my TransUnion credit report because they may contain inaccurate or unverifiable information. I request that TransUnion investigate these accounts and correct any discrepancies as required by the FCRA. 

CHARGED OFF 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 Please verify the details of these charged-off accounts, including balances, dates, and reporting accuracy. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please verify the purpose of these inquiries or remove them if they were unauthorized. 

LATE PAYMENT XXXX  XXXX Please verify this late payment and ensure that it is accurately reported.

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 2025-12-01 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This is not an oversight ; it is a serious breach. Unauthorized access to my credit report by multiple companies has directly damaged my credit and lowered my credit score. I previously contacted your agency and was explicitly assured by a representative that these unauthorized inquiries would be removed. That assurance has been blatantly ignored these inquiries persist on my report. This inaction is completely unacceptable and demonstrates a disregard for my rights. 

The ongoing presence of these potentially fraudulent entries is deeply alarming and strongly indicates possible identity theft. This unresolved issue is causing severe emotional and financial harm that I will not endure any longer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: AL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
CEASE AND DESIST NOTICE Pursuant to 15 U.S.C. 1692c ( c ) Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXX To : Portfolio Recovery Associates XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Phone : ( XXXX ) XXXX Re : Account # XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX 
Current Balance Reported : {$1200.00} Date Opened : XX/XX/XXXX CEASE AND DESIST FORMAL NOTICE To Whom It May Concern : This letter serves as my formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), demanding that Portfolio Recovery Associates immediately cease all communication with me regarding the above-referenced account.

Pursuant to 15 U.S.C. 1692c ( c ) : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication, the debt collector shall not communicate further with the consumer This notice requires your compliance. Any additional contact after receiving this letter will constitute a knowing and willful violation of federal law. Continued attempts to contact me, including calls, letters, emails, text messages, or third-party contact, may result in legal action, including statutory damages of up to {$1000.00} per violation, attorney fees, and other remedies allowed under 15 U.S.C. 1692k ( a ).

ADDITIONAL NOTICE REGARDING REPORTING This account has been disputed multiple times, and your current reporting states : Completed investigation of FCRA dispute, consumer disagrees.

The account remains unchanged despite reinvestigations.

Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they know or should know is inaccurate.

Under 15 U.S.C. 1681s-2 ( b ), you are required to conduct a reasonable investigation during disputes.

Your failure to correct inaccurate, unverifiable, or outdated information may result in claims for : Willful noncompliance under 1681n, Negligent noncompliance under 1681o, Civil liability, monetary damages, and attorney fees. 

This account is scheduled to fall off in XX/XX/XXXX. Any attempt to re-age, extend, or alter the obsolescence date will be considered willful FCRA fraud. 

REQUIRED ACTIONS Upon receipt of this letter, you are legally required to : Cease all communication with me except as allowed under 1692c ( c ) ( 1 ) - ( 3 ).

Refrain from further reporting inaccurate or disputed information to any credit bureau.

Verify only if required under law ( no phone contact is permitted ).

ALL FUTURE ACTIONS MUST BE IN COMPLIANCE WITH FEDERAL LAW Any violation of this Cease and Desist Notice will be documented and may be used as evidence in legal proceedings.

I expect full compliance. 
You are hereby notified. 

Respectfully, XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I am filing a complaint regarding Goldman Sachs improper handling of a billing dispute that has been recurring for approximately XXXX months. 

A merchant charged me {$390.00} for a service I did not use and could not cancel due to a system error on their end. I contacted the merchant immediately, and they acknowledged the issue but refused to issue a refund. Instead, they attempted to force me into accepting XXXX months of free service, which I declined. I provided Goldman Sachs with written proof of this communication, including evidence that I attempted cancellation and that the merchant refused to honor it. 

Despite providing all documentation, Goldman Sachs has repeatedly reversed and re-applied the charge to my account, without giving me a final written dispute resolution. The dispute keeps reappearing long after the allowable investigation period. This appears to violate the Fair Credit Billing Act, which requires timely resolution, accurate handling of disputes, and prohibits re-billing a charge that remains under dispute. 

This ongoing issue has caused financial harm, stress, and unnecessary repeated disputes for the same transaction. I am requesting CFPB assistance in obtaining : A permanent chargeback of the {$390.00} transaction. 

Removal of any interest or fees tied to this disputed amount. 

Written confirmation that the dispute is fully resolved and will not reappear. 

Correction of my account balance. 

I can provide screenshots of the merchant refusing a refund, proof of the system error preventing cancellation, proof of the dispute being reapplied multiple times, and all related communication. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Avant Holding Company, Inc.
State: UT

Complaint narrative:
I purchased goods from a scammer- XXXX XXXX with my credit card through Avant on XXXX for XXXX items = {$48.00}. At the time I didn't know she was a scammer. I never received the goods. I emailed her on asking for an update. Never got a response. I emailed this merchant on XXXX & XXXX. There was no contact info for this seller other than email. I filed a dispute on over the phone with avant agent on XXXX. The agent incorrectly put it was fraud/ID Theft when it was not. It was an INR and I was VERY clear about this. It got denied so I appealed to find out she filed it incorrectly. I then had another agent file as an INR. It also got denied with avant telling me they couldn't help me to contact the merchant which I had done already. I appealed, never went anywhere. They came back saying they wouldnt help me that I was pretty much XXXX  i filed a complaint with XXXX on XXXX against avant, they came back saying same thing that they won't provide my protections. Ive emailed avant several times including XXXX, XXXX, XXXX, XXXX, XXXX not including all my phone calls to them. They claim " ID theft '' which was NEVER stated from me. I emailed them and told them as such as they sent a letter regarding this and has no relevance. I sent them certified documentation regarding their violation under Federal laws and the evidence again. they have sent me XXXX letters now claiming " they don't have enough evidence to assist me '' which is XXXX. Ive given them EVERYTHING Over the phone, over email and over mail. when I spoke with the supervisor today, she advised again they won't assist me with this INR even with all my proof but escalated the " ID Theft '' that was incorrectly marked by them again. She gave me case # XXXX. They refuse to provide my protections even though I was scammed and never received the goods and have proved it time and time again for over a year. 

To be clear, I am disputing the charge because I DIDNT GET THE GOODS NOT OVER ID THEFT!!! This whole mess started because they failed to provide my protections and failed to LISTEN filing the incorrect PD type!! Then playing these dog and pony games by claiming " they don't have enough info to assist me ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Well, in my case, I have a replacement order. I've been asking for a way to resolve this because I am willing to pay, but these people aren't giving me any payment plans, adjustments, or extensions. They tell me I have to pay an exorbitant amount. Previously, I paid XXXX monthly installments for repairs, plus XXXX monthly payments equal to the value of the vehicle 's monthly payment. I'm asking for an extension, for an opportunity to make smaller payments, which they haven't granted. I'm making this request politely because they are very rude and overly despotic when I speak to them. Right now, I have a replacement order. I informed them that the car repairs cost XXXX times the monthly payment, and even then, they didn't grant me a payment extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
debt collect dont have authorization to be on my credit report. never done business with them.

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 2025-12-01 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX  CT, outside XXXX XXXX in XXXX, a pedicab driver ( doing business as SQ * XXXX XXXX ) told my girlfriend and I that a ride would cost {$14.00} per minute ; there was no disclosure that the rate was per person or that any additional fee would be added, and no visible pricing was posted. I stated I planned to pay cash, but the driver insisted on holding a credit card for the duration of the ride. I started a timer on my phone to confirm a fair time was utilized, and the ride lasted about XXXX minutes. When we arrived, the driver informed me he had already run my card without showing me the amount and then claimed the total was {$310.00}, explaining it as {$14.00} per minute per person plus an additional fee ( he mentioned a percentage fee only after processing the charge ). Incorrectly assuming in the moment that Chase would protect me in this scenario, I contested this amount with the driver after the transaction had already fraudulently been processed, but did not want to escalate it further or create an altercation out of fear for mine and my girlfriends safety. I later saw XXXX separate pending charges of {$310.00} from this merchant, which later posted to my credit card on XX/XX/year> in XXXX charge in the amount of {$630.00}. On the morning of XX/XX/year>, I called my credit card issuer to report the problem, requested a new card, and later provided a written statement, screenshots of the timer, my card statement showing the charge, and a XXXX Police Department report which I also filed shortly after the original incident. My issuer first denied my fraud claim, then required me to file a billing dispute, and ultimately did not side with me, leaving both charges on my account despite the undisclosed per person pricing, the undisclosed fee, the duplicate charge, and the fact that my card was run without first presenting the amount for my review or obtaining my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
my name information social and address has been used to create accounts in my name i wish that the account be closed removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b. 

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I reached out to midland credit via phone and XXXX  mail to request that the collections account they are currently furnishing on my report be verified. I was given word that my request would be honored. Not only was the account not removed from my report to be investigated properly ; I never received a chain of title, an agreement with my wet signature or a follow up to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: LA

Complaint narrative:
I am disputing the accuracy of multiple accounts and inquiries listed on my Equifax credit report. The following items are either incorrect, incomplete, or unverifiable : Charged Off Accounts in Dispute : Account Name Account Number Date Opened Balance XXXX  XXXX AUTO XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX Inquiries in Dispute : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payment Accounts in Dispute : Account Name Account Number XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX I request a full verification of these items. If verification can not be provided, remove them from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NE

Complaint narrative:
On Friday the XXXX 2025 my cousin used my acount to buy products I didnt give consent to. I was in the process of canceling the charge but it cleared and so i filed a dispute for XXXX XXXX dollar charges. Followed up by my account being wrongly deactivated without a way to appeal the claim. After i called corporate support i was told that i couldnt do anything without proper support and explanation. I was told i cant contact anyone in the team in charge of my account This is the app and i still cant get proper help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: SC

Complaint narrative:
I am filing this complaint because there are several accounts, inquiries, and late payment entries on my credit reports that I believe are inaccurate, incomplete, or not properly verified. I am requesting that each credit bureau conduct a full, lawful reinvestigation under the Fair Credit Reporting Act ( FCRA ) and correct or remove any unverifiable information. 
Charged-Off Accounts I am disputing the following accounts reported by TransUnion : XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX/XXXX  XXXX XX/XX/XXXX {$0.00} XXXX/XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX {$5600.00} XXXX  XXXX XX/XX/XXXX {$1500.00} XXXX  XXXX XX/XX/XXXX {$2600.00} XXXX  XXXX XX/XX/XXXX {$2700.00} I am requesting a full reinvestigation and removal of any inaccurate or unverified information. 

Inquiries I dispute the following TransUnion inquiry as unauthorized : XXXX XX/XX/XXXX TransUnion should verify permissible purpose or remove this inquiry. 

Late Payments I dispute all late payments listed below due to concerns regarding their accuracy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request verification and removal of any entries that can not be substantiated.

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