vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
I am filing an urgent and formal complaint against Experian, Equifax, and TransUnion for their systemic and willful failure to maintain accurate credit information, as required by federal law. My credit report has been contaminated with multiple fraudulent accounts that belong to another individual, and the continued reporting of these inaccurate " charge-offs '' constitutes a severe violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

The following accounts are definitively not mine, and their presence on my report demonstrates a catastrophic failure of the bureaus ' reasonable procedures : XXXX Account # XXXX : Fraudulently reported as a charge-off from XXXX to XX/XX/XXXX. 

XXXX XXXX Account # XXXX : Fraudulently reported with wildly inconsistent debt amounts {$7400.00} on TransUnion and {$7300.00} on XXXX  the data is unverified and unreliable. Equifax 's failure to report it at all further highlights the chaotic and unreasonable nature of this reporting. 

XXXX XXXX Bank XXXX Account # XXXX : Fraudulently reported as a charge-off. 

XXXX XXXX XXXX Account # XXXX : Fraudulently reported as a voluntary surrender from XXXX to XX/XX/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 non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: SD

Complaint narrative:
I am submitting this complaint because GM Financial is violating the Fair Credit Reporting Act by knowingly reporting inaccurate and misleading information on my consumer credit reports. 

The account in question, Account XXXX XXXX, was a debt originally owed to GM Financial. 

On XX/XX/year>, GM Financial sold and transferred this debt to a third-party debt buyer/collector, XXXX XXXX XXXX  XXXX. 

According to the FCRA, once the debt was sold, the original creditor is legally required to update their reporting on my credit file to reflect a XXXX XXXX ( {$0.00} ) and change the status to " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. '' Despite selling the account, GM Financial continues to illegally report a remaining balance on my credit reports with XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

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 non-monetary relief
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several inaccuracies on my credit report. Below are the accounts in question, separated by bureau. 

Charged Off : XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$3200.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$1100.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$5300.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$2400.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$3500.00} XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$68.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$110.00} XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$3600.00} Inquiries : XXXX  XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
This letter serves as a formal response to the ledger provided in response to my previous debt validation request. Please be advised that the information sent does not constitute full validation of the alleged debt. I am requesting a complete and thorough validation of the debt, per my rights under the Fair Debt Collection Practices Act ( FDCPA ). This request is not for mere verification or confirmation of my mailing address, but for comprehensive and competent evidence of your authority to collect on this debt. This includes, but is not limited to : Copies of All Signed Contracts or Agreements : I require copies of all contracts, agreements, or assignments that bear my signature and establish my obligation to pay this debt. Proof of Legal Assignment and Chain of Custody : I request documented evidence confirming your legal right to collect this debt, including the complete chain of custody if the debt was sold, transferred, or otherwise assigned. Confirmation of Statute of Limitations Compliance : Please provide proof that this debt remains within the applicable statute of limitations, verifying that any collection actions are legally permissible. Comprehensive Account Payment History : I request a complete history of the account, including all fees, interest, and other charges, to justify the balance you claim is owed. The court decision in XXXX XXXX XXXX XXXX XXXX reinforces that debt collectors must substantiate the legitimacy of the debt and their right to collect it. I expect that all necessary documentation supporting your claim will be provided in line with this legal precedent. Furthermore, if any unvalidated information related to this debt has been reported to the credit bureaus ( XXXX, XXXX, or XXXX  ), such action may be deemed fraudulent under Federal and State law. I must inform you that if any negative marks associated with this debt appear on my credit reports, I may pursue legal action against you and your client for violations of the Fair Credit Reporting Act, the FDCPA, and defamation. Should you furnish the requested documentation, I will require at least XXXX  days to review and verify the information thoroughly. I request that all collection activities cease during this period. Additionally, no actions detrimental to my credit should be undertaken, as reporting unverified debt to a credit repository could lead me to pursue legal counsel for any harm caused by inaccurate or misleading information. Thank you for your attention to this matter. Please direct any future correspondence regarding this request to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i am writing to formally request the blocking and deletion of all associated with my personal information due to the recent data breach

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 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported multiple hard inquiries on my credit file that I did not initiate, authorize, or consent to. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the reporting of inquiries not initiated by the consumer unless there is lawful permissible purpose, prior written authorization, or a firm offer of credit. 

I have never provided consent for these inquiries, nor have I authorized any third party to access my credit information. The continued reporting of these unauthorized inquirieswithout verifiable proof of permissible purpose, such as a copy of my signed authorizationconstitutes a clear violation of federal law. I respectfully request that this matter be corrected immediately.

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 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
Please see all attachments pertinent to this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: INDEPENDENCE HOME LOANS LLC
State: VA

Complaint narrative:
b'I have received unsolicited VA mortgage refinance offers from Independence Home Loans, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, PH XXXX XXXX, by mail, for approximately XXXX  months.  They send mailers by post mail in a sealed trifold mailer.  They do not put any sender info on the front of the mailer.  When I open these mailers, it has a date at the  top left to mimic a government IRS date (XXXX) with the subtitle of "ADMINISTRATIVE OFFICE" "Current Lender: XXXX Bank" which is my bank.  No other identification of the actual sender exists except on the back of the inside fold of the mailer (you don\'t see that when you open the mailer) which identifies the real sender in small type. On the face page, there is a short paragraph that deceptively instructs me to call an XXXX number with a "NOTICE NUMBER XXXX and says that I have not accessed VA loan benefits through my bank. It makes it appear like I am calling my bank.  \nI know this did not come from my bank.  But, this company is mailing VETERANS very deceptive mailers disguised as bank communications.  After XXXX  months of receiving these mailers, I called this company and demanded that I be removed from their solicitations/mailing lists.  I was told they would delete my information.  Since then, I have been receiving about XXXX  mailers per week.  Please help me get them to stop!'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OR

Complaint narrative:
I had mt car and phone stolen in XXXX of XXXX  and I have the police report showing that I was a victim of theft .the person that did the crime was able to get on my cash app and transfer XXXX dollars to someone on cash app. I called days before my money was deposited and asked cash app t I close my account and I recorded the time and day of requesting them to do so they said it was closed and to open a new account so I did and day of my deposit it was deposited into the account they said they closed.when I asked for help they have nothing to say and hang up the phone .and because this is their fault they negligence on their part they go and said I cant have a account with them anymore. They closed my account and wont let me open another one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
Unauthorized accounts are fraudulently listed under my name without my knowledge or consent I have never authorized or managed them. This is intolerable, as it distorts my financial history with false information. I prioritize my credit profile, and these entries have caused severe distress. I require immediate explanation of their origin and the responsible parties.

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 2025-11-17 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: NC

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$260.00} XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$2800.00} XXXX  XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account XXXX : XXXX Date : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
Please take a look at the provided items ; the inquiries arrived unexpectedly and may lack authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase Freedom Unlimited account was closed on XX/XX/XXXX without any prior notice or outreach from Chase regarding missed minimum payments. I made a payment of {$1000.00} and {$4500.00} on XX/XX/XXXX, believing this would correct the issue and bring the account current, but the account remained closed. 

I have been a Chase customer for over XXXX years and have managed this account responsibly. I was never contacted by Chase to inform me that minimum payments were not being posted or that the account was at risk of closure. I only learned of the closure after attempting to use the card. 

I am requesting either reinstatement of the account or the return of the {$4500.00} payment. This credit limit took years to build and has always been important to my financial stability. I am willing to provide any requested information to support a review. 

I am simply asking for a fair evaluation, clear communication, and a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
There are negative items on my credit report that NEED TO BE REMOVED THEY are not accurate and i am not familiar with them. No company can show the proper documentation. I demand these negative items are removed per the FCRA and my rights. please see all attached info below. 

ALL INFO IS ATTACHED BELOW IN THE COMPILED PDF I HAD TO COMPRESS IT BUT PLEASE MAKE SURE THIS IS FULLY READ AND UNDERSTOOD I HAVE ATTACHED VERIFICATION DOCUMENTATION, FTC REPORT, LETTER EXPLAINING MY DISPUTE, AND A AFFIDAVIT OF TRUTH.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Dear Cfpb/XXXX  XXXX ; I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable.

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX that unverifiable or misleading data can not lawfully remain on a consumers credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Buffaloe & Associates, PLC
State: TN

Complaint narrative:
They have been noncompliant in providing me with the information requested including validity of debt, last payment amount, and payoff amount. They do not adhere to the Scra benefits governed by law should cap the interest rate at 6 %. They are putting my financial future in jeopardy. They also do not abide by the laws regarding Veterans Affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: IL

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 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
My phone was stolen and I used XXXX where's my device to track down my phone when I tracked it I contacted the police who retrieved my device for me. While my device was not in my possession there were transactions on my chime account that I didn't authorize. I disputed them and provided the police case number to chime as proof. They denied my disputes saying there wasn't an error but I did not do these transactions. I appealed there decision and one transaction was approved and the rest denied so I appealed again with a supervisor who didn't understand how one transaction they approved but the rest were denied and they are the same kind of transaction as the one approved and are all in a certain time frame. So we appealed again and they immediately denied my appeal again now I've literally been on hold for over an hour again trying to get my money back. I'm so Angry I've had to go through this and they haven't done anything they just keep sending my disputes.

Company response to consumer: Closed with explanation