vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I was told by payroll that i had garnishment XX/XX/year> and i looked at the court order paperwork and i had no knowledge of this debt or that i had been sued. The address on the paperwork was wrong so i was never properly served and now i have been getting money taken out of my checks. I was robbed of the opportunity to appear in court or respond to the request. 

Debt amount XXXX Already taken out my check XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to place XXXX XXXX on notice regarding an outstanding billing error that has now escalated due to your failure to correct the mistake. Despite my repeated attempts over a period of months to resolve this issue directly with XXXX XXXX, the error remains unresolved. 

Instead of correcting the problem, XXXX chose to assign the account ( No. XXXX ) to Transworld Systems Inc. for collection. This action is wholly improper, given that the balance in question is the result of XXXX own billing mistake at the time the account was created. Even the XXXX salesman who established the account confirmed the error and attempted, unsuccessfully, to resolve it with your billing department. On multiple occasions. 

I have formally disputed the debt with Transworld Systems under the Fair Debt Collection Practices Act ( FDCPA ), and I have demanded that they cease all collection activity until proper validation is provided. I have also placed them on notice that any further unlawful collection efforts will subject them to legal action. 

At this point, XXXX XXXX remains ultimately responsible for this error. I demand immediate correction of this billing mistake, removal of the account from collections, and written confirmation that my credit record will not be negatively impacted by XXXX error. 

If this matter is not resolved promptly, I will pursue all available remedies, including regulatory complaints and legal action, holding both XXXX XXXX and Transworld Systems fully accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My Company has been with JP Morgan Chase for over 30 years. Someone hacked into my Chase online account and set up a vendor in Bill Pay to a personal person ( XXXX XXXX ) and created a bill and sent a paper check through Chase to this person in Ohio. XX/XX/XXXX Online Payment XXXX To XXXX XXXX XX/XX/XXXX Bill payment {$9800.00}. This was a fraudulent transaction. My accountant was in my office on XX/XX/XXXX and saw this transaction and alerted me. On my Chase account is showed the check was due to be delivered on the same day XX/XX/XXXX. We immediately contacted Chase and told them this was a fraudulent transaction and to put a stop on the check. The representative assured me that a stop payment would be issued, and my account was credited back the XXXX. My accountant was in 2 weeks later and discovered that the charge was reversed and debited. I called Chase and asked why it was reversed and debited and why the stop payment did not happen. I reiterated that I requested this the same day the check was due to be delivered. They told me we can not guarantee the stop payment and that their investigation showed it was from my IP address. I talked to an IT consultant and he informed me that it is very easy for someone to clone and remotely make it look like this transaction was done from my computer. I have reached out numerous times to Chase and I have not received any support on this and just get the same response I was so frustrated with their response I wanted to do my own investigation as to where this check was cashed and unbelievably was told that Chase does not have the information as to where their own check was cashed. This also happen with another bank account with XXXX XXXX that they used the same fictious name ( XXXX XXXX ) and XXXX XXXX had me fill out an affidavit and they credited me back for the Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-23 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: IN

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-23 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: IN

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
What happened? 
In early XXXX, XXXX XXXX XXXX began reporting multiple business card accounts on my personal credit report. 
Each entry shows the same account number ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) but lists different open dates ( XX/XX/XXXX and XX/XX/XXXX ), different account types ( once as a business card and once as a revolving account ), and inconsistent payment histories. 
The accounts are marked closed yet still display active balances ( {$38000.00} and {$74000.00} ) and XXXX and XXXX late-payment notations. This creates duplicate, misleading, and inaccurate information on my credit file. 
I disputed the items with all three credit bureaus in XX/XX/XXXX, but they remain unchanged. 
I also sent a written validation and valuation request directly to XXXX XXXX XXXX requesting the original signed agreement, full accounting ledger, date of first delinquency, and proof of the right to report this business debt under my consumer profile. 
No adequate validation has been provided. 
These actions appear to violate the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681s-2 ( a ) ) because the information is inaccurate and unverified, and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) if the debt was assigned for collection. 
2 Companys response so far XXXX XXXX XXXX and the credit bureaus have continued reporting the same conflicting information. 
No supporting documentation, signed agreement, or accounting history has been provided to verify or correct the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
Dear TransUnion 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 : XXXXXXXX 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 XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 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: TX

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-23 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: TX

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: IL

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) be in error : 1. Data Breach XXXX XX/XX/year> This is not mine. I am a victim of a recent data breach and I have included a police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: OH

Complaint narrative:
i have reviewed my credit report and found these unverified items. please remove, update or correct these items.

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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I applied for a small business card through Bank of America. More documents were requested, which I provided. The process to have documents reviewed has been very delayed. Today I spoke with XXXX employee # XXXX. She informed me that the paperwork was not correct per a XX/XX/XXXXshe spoke with, specifically that it did not denote that I am the owner. Anyone with any understanding of the documents that were submitted would see that I am the owner. The business was formed by a company that specializes in organizing LLCs and provided resolutions showing that they were doing so on my behalf. A paper from the XX/XX/XXXX showing formation was included with these resolutions. This is the standard procedure for such formations and acceptable for all business transactions. The fact that a Bank of America analyst doesn't know this is not just appalling but a danger to all clients who may have critical financial needs not met because of a lack of education among staff. This is unacceptable and needs to be rectified. XXXX did not offer to have a XXXX call me for up to XXXX business days which is also unacceptable.

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 2025-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to report a concerning interaction I had with Western Funding Inc. regarding the wrongful repossession of my vehicle. 

On XX/XX/XXXX, I received a call from a representative of Western Funding, where we discussed my past due amount. I explained that I was struggling financially due to my partners health issues, which have left him unable to work. During our conversation, we agreed to set up a payment arrangement, where I would pay {$340.00} by Thursday, XX/XX/XXXX. The representative assured me that she would note my account accordingly. At no point did she disclose that my vehicle was up for repossession. 

To my shock, my partner and I woke up to find our car had been repossessed. I immediately contacted Western Funding to discuss the situation and express my concerns, but I was met with confusion and was given the runaround. When I tried to explain why their actions were unjust, I was rudely hung up on by the representative. 

This experience has been incredibly distressing for my partner and me, especially given our current financial and health challenges. I believe that Western Funding has acted unfairly and possibly in violation of consumer protection laws. 

I appreciate your attention to this matter and look forward to your guidance on how to resolve this issue. 

Thank you for your support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-10-23 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: NJ

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-10-23 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: TN

Complaint narrative:
Dear TransUnion 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 INQUIRIES : XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 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: MS

Complaint narrative:
I am really worried because these inaccurate accounts are still appearing on my credit report and they have not been taken off. I am begging that the documents I attached are carefully reviewed so I can finally stop living with this fear and stress.

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 2025-10-23 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2025-10-23 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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