vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I had call from Apple Card representative telling me that somebody had 85 % of my XXXX accounts to XXXXXXXX XXXX He told me that they have to check other my accounts to prevent them transferring my informations to other phone He actually used my apple account to get my other accounts data used for purchase. He used XXXX to transfer money to deferent people.XXXX XXXX to pursuance lop top and other electronic.He used my other account for dash door .He told me to delete all bank account to be able to check information so wont be transferred. 
I was on the phone for long time until I realized he was actually using my account to transfer to their phone. Name I got from XXXX XXXX apple technical support Phone number was XXXX XXXX. 
This can be helpful to other fraud to happen and government should do something about fraud calls or robotic calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Under FCRA Account Verification/Deletion Request Dear TransUnion , I am writing to dispute the accuracy of information reported on my credit file. This dispute is made under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

The following account information is inaccurate, incomplete, or unverifiable : 1. XXXXXXXX XXXX XXXX  Account # XXXX Reported as Charged-off as bad debt with a balance of {$29000.00}. 
Last payment reported XX/XX/XXXX. 
Co-signer listed : me. 

Dispute reason : I request verification of this account including : Documentation proving I am legally responsible for this debt. 
Accurate reporting of payment history, dates, and balance. 
Proof that the account was sold or transferred properly. 

If XXXX XXXX XXXX can not provide proper documentation within 30 days as required under FCRA, I request that this account be deleted immediately from my credit report. 
2. XXXX  XXXX Account # XXXX & # XXXX Reported late payments ( 23 occurrences ).

Please verify these payments with the original creditor.

Dispute reason : I request that you investigate and remove any inaccurate late payments. If these can not be verified, they must be deleted from my credit report.

Enclosed are copies of my government-issued ID, proof of current address, and a copy of my credit report highlighting the items in question. Please investigate and correct/delete any unverifiable or inaccurate information as required by FCRA 1681i ( a ).

Please provide written confirmation of your investigation results and an updated copy of my credit report reflecting any corrections.

I am disputing inaccurate information reported on my TransUnion credit report. 
1. XXXX XXXX XXXX Account # XXXX Reported as Charged-off as bad debt with a balance of {$29000.00}. 
I am listed as a co-signer. I request verification of this account, including documentation proving I am legally responsible for this debt, accurate payment history, and proper reporting of the balance. If XXXXXXXX XXXX XXXX can not provide verification, I request that this account be deleted immediately. 
2. XXXX  XXXX Account # XXXX & # XXXX Reported late payments ( 23 occurrences ).

I request verification of these late payments with the original creditor. If they can not be verified, they must be removed from my credit report.

This information is inaccurate and/or unverifiable, and I am requesting that the credit bureau correct or delete it as required under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
On XXXX XXXX XXXX, I received noticed by mail from XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXX representing a matter for a debt owed in a total amount due of {$57000.00} to ESTATE OF XXXX XXXX. On XXXX XXXX, XXXX I received a notice by mail for foreclosure of deed of trust executed by XXXX XXXX dated XX/XX/XXXX in the amount of {$49000.00}. Both letter are stating to appear on XX/XX/XXXX. XXXX at XXXX XXXX COURT. On XX/XX/XXXX, XXXX XXXX passed away unexpectedly. XXXX or to month after her death her sister XXXX XXXX either receive a later my mail or phone call from a debt collectors claiming the ESTATE OF XXXX XXXX was going up for foreclosure withing a matter of days to week. XXXX having explained her finational sitution of being on a fixed income, having health issues and no where else to live at the time, set up a payment arrangement to avoid foreclosure. XXXX made payments from XXXX and her last payment was on XX/XX/XXXX due to XXXX XXXX untimely death. Prior to her passing I have XXXX mortgage statement with an account or loan number ( XXXX ) paid to XX/XX/XXXX on XXXX in the amount of {$480.00}, the outstanding balance was {$48000.00} with {$16.00} going towards the principal, {$360.00} going towards the interest and {$100.00} towards taxes and insurance. On XXXX the statement read amount due {$510.00}, {$15.00} goes towards the principal, {$400.00} goes towards the interest and {$100.00} goes towards taxes and insurance with a outstanding principal of {$48000.00}. On XX/XX/XXXX, SELECT Portfolio SERVICING, inc sent a letter stating NOTICE OF TRANSFER to the ESTATE OF XXXX XXXX, ACCOUNT NUMBER ( XXXX ). Since the passing of XXXX XXXX on XXXX of XXXX, SELECT Portfolio SERVICES have sent letter to the ESTATE OF XXXX XXXX AND TO THE ESTATE OF XXXX XXXX from XX/XX/XXXX until now as well as leaving door hangers on the door and have before spoken and communicated to a third party about the debt. I do believe that this debt collector are operating using deceptive practices under XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Account name : DPT ED / Aidvantage Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX separate accounts with the same account number PAYMENT HISTORY DISPUTE : I dispute inaccurate late payment notations reported after my accounts forbearance period. The creditor failed to properly notify me of forbearance expiration due to incorrect address records. 
SPECIFIC LATE PAYMENTS DISPUTED : XX/XX/XXXX - XX/XX/XXXX XXXX  and XXXX  have already updated the payment history and deemed the creditor at fault for not providing a notice of the forbearance was ending. 

FCRA LEGAL BASIS : 15 USC 1681e ( b ) - Maximum Possible AccuracyThese late payments violate maximum accuracy standards due to creditors failure to provide proper notice.

15 USC 1681i ( a ) ( 1 ) - Duty to ReinvestigateYou must investigate and delete inaccurate information that can not be verified.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Furnisher Accuracy RequirementsThe furnisher violated accuracy duties by reporting late payments when proper notification procedures were not followed. 

FACTUAL BASIS FOR DISPUTE : Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Creditor documentation sent to : XXXX XXXX XXXX XXXX NY XXXX CREDITOR VIOLATIONS : Required notice sent to incorrect address. I never provided them with the address they sent it to. 
I never received notification that forbearance was ending No opportunity to resume payments before late marks Violated creditors own notification policies VERIFICATION DEMANDS : Under 15 USC 1681g, provide : Proof of proper notice sent to correct address Address records maintained during forbearance period Notice policies for forbearance expiration Method of verification for these late payments REASONABLE PROCEDURES VIOLATION : Under 15 USC 1681e ( b ), reporting late payments without proper notification violates reasonable procedures for accuracy These late payments are inaccurate under FCRA standards because : I was not properly notified of forbearance expiration Creditor used incorrect address for critical correspondence Late payments resulted from creditors procedural failures Information does not reflect actual payment agreement compliance. 
NOTICE : Continued reporting of these inaccurate late payments subjects you to FCRA violations under 15 USC 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: SC

Complaint narrative:
I am disputing the listed account on my credit report due to a lack of validation and proof regarding the debt. The original creditor has failed to provide adequate documentation verifying this account belongs to me and that the information you are reporting is accurate. 

Account # : PORTFOLIO Recovery # XXXX As stated in Section 609 ( a ) ( 4 ) of the Fair Credit Reporting Act, in the event a consumer disputes the accuracy or completeness of information in their credit file, consumer reporting agencies are required, " to promptly provide notification of dispute to the furnisher of information ''. Therefore, I formally request that you immediately notify the information furnisher of my dispute regarding this fraudulent account.

Additionally, pursuant to Section 611 and Section 623 of the Fair Credit Reporting Act, as a furnisher of information to consumer reporting agencies, the listed creditor has a duty to fully investigate disputes initiated by a consumer after receiving notice from the CRA. 

I further demand that the furnisher send me hard-copy documentation validating this debt. This includes, but is not limited to : The original account application Terms & conditions I agreed to Proof this account was properly assigned to collections If adequate validation is not provided by [ XX/XX/year> ], I demand this unauthorized account be completely removed from my credit report. 

You can send the response with account validation to me via email or postal mail. If you have questions or need additional information, please contact me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
I put a complaint in XXXX havent received a response. I ask them to send me the information on how they did they investigation on alleged debt, I requested the original purchase agreement still havent received it please investigate their actions and why they havent deleted it the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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 do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
In XX/XX/XXXX, I purchased a vehicle from XXXX XXXX. Although the transaction occurred at their XXXX, XXXX XXXX location ( which has since closed ), the sales contract listed the address as XXXX XXXX in the XXXX, NY XXXX. The vehicle was financed through Ally Financial under a retail installment contract. 

At the time of sale, I was told that I was required to purchase a {$3500.00} extended warranty in order to buy the vehicle. This charge was added to my financing documents. However, the dealer never provided me with the actual warranty contract or coverage documents. I only discovered this omission recently ( XX/XX/XXXX ) when reviewing my records to check warranty coverage. 

In addition to the forced warranty, the dealer charged inflated fees totaling {$530.00}. Since XX/XX/XXXX, I have paid approximately {$41000.00}, consisting of : Down payment : ~ {$5000.00} Monthly payments to Ally : ~ {$32000.00} Warranty ( forced add-on ) : {$3500.00} Inflated fees : {$530.00} After discovering the missing warranty paperwork, I attempted to contact the dealership, but it is permanently closed. When searching for their phone number online, I learned that the XXXXYC Department of Consumer and Worker Protection had already sued and obtained a settlement against this dealer group for precisely these deceptive practices. 

This transaction involved high-pressure sales tactics, misrepresentation, and fraudulent concealment of required documents. As the assignee of the retail installment contract, Ally Financial is subject to all claims and defenses I have against the dealer under the FTC Holder Rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

and Experian has violated my rights.

Accounts with wrong open dates, amounts due and no proof of ownership provided, to the following accounts, which is a violated my rights. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XX/XX/XXXXEquifaxXX/XX/XXXX Re : FINAL ORDERIMMEDIATE REMOVAL OR VERIFIED CORRECTION OF DISPUTED ACCOUNTS XX/XX/XXXXXXXX Debt Buyer Account | Reported on XX/XX/year> Balance {$5700.00} Past due {$5700.00} XXXXXX/XX/XXXX Debt Buyer Account | Reported on XX/XX/year> Balance {$4100.00} Past due {$4100.00} TO WHOM IT MAY CONCERN : This is * * your absolute, final, and legally binding order * *. You are * * forced by law and natural justice * * to * * cease all reporting * * of said and shown accounts * * unless you produce lawful, original, signed proof of ownership and verification * * within * XX/XX/XXXX days * *. 

* * Failure * * to comply * * will be * * considered * * flagrant violation of federal law and property rights * *, and I will * * pursue every legal remedy available * * including damages, fines, criminal sanctions, and public exposure. 

You * * have no authority * * to report or investigate * * without lawful, signed consent * *. 
* * Unverifiable, unlawful, or outdated data * * * * must be removed * * * * immediately * * and * * all updates * * without lawful verification * * are invalid * *. 

Your company also unlawfully sold and or shared my private information for profit. This has damaged my name badly and public image ceased and desist. 

* * This is your XXXX warning. * * * * Respond within XX/XX/XXXX days * * with * * full, certified proof * * or * * face the full weight of the law * *. 

* * Your neglect or refusal to act * * * * will be used against you * * in court and regulatory proceedings. 

* * Respectfully, * * * * XXXX XXXX XXXX * *

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WSFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am a survivor of domestic violence and economic abuse. The WSFS Bank overdraft account was incurred during a period of coercive control by my abuser while I was fleeing with my children. I submitted certified documentation to WSFS on XX/XX/year>, including multiple restraining orders and police reports, requesting removal of the tradeline as coerced debt.

WSFS acknowledged receipt but offered only a pay-for-delete settlement of {$1100.00}. My only income is XXXX XXXX XXXX ( XXXX ) of $ XXXX for my XXXX son. XXXX is federally protected income, and I can not afford this payment. Conditioning relief for a documented victim of XXXX  XXXX and economic abuse on money I do not have is unfair and abusive, and it re-victimizes me. 

I request that the CFPB and OCC require WSFS to delete or suppress this tradeline from my credit reports and ChexSystems without payment, in recognition that it is coerced debt resulting directly from abuse.

Company response to consumer: Closed with explanation