vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern, This letter is being sent to you in response to a recent communication I received from your office. Please be advised that this is not a refusal to pay, but a request for validation of the alleged debt as provided for by the Fair Debt Collection Practices Act, 15 U.S.C. 1692g Sec. 809 ( b ).

Please provide me with the following documentation to validate this debt : The name and address of the original creditor ; A complete account history, including all charges, payments, and interest ; A copy of the original signed contract or agreement bearing my signature ; A full chain of assignment, including : The original contract of assignment or bill of sale from the original creditor to your agency, And any subsequent assignments or transfers, showing legal ownership and standing to collect ; Proof that your agency is licensed to collect debts in my state, including your license number and registered agent information.

Be advised that until all of this information is provided, this debt remains disputed and unverified, and any attempt to report it to credit reporting agencies may be a violation of the Fair Credit Reporting Act ( FCRA ) and the FDCPA.

Additionally, I demand that all collection activity cease until this matter is resolved. Failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's office.

Please respond to this request within 4 days, as required by law. This letter serves as notice that I am keeping detailed records of all correspondence for possible legal 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 2025-07-01 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've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-07-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: MI

Complaint narrative:
FIRSTPOINT COLLECTION XXXX  What happened? 

I am filing a complaint regarding a collection account reported by FirstPoint Collection Resources for an unpaid balance of {$98.00} from XXXX XXXX XXXX. I am not entirely sure that this debt is valid or belongs to me. I do not recall having any unpaid balance with XXXX XXXX, nor have I received any recent billing statements or notices indicating that I owed this amount. 

There is a possibility that this debt was processed in error, misapplied, or that I may have overlooked a communication. However, after reviewing my records and insurance documents, I can not find anything confirming that I owe this balance. 

I contacted FirstPoint requesting full validation of the debt, including an itemized statement, the original account number, dates of service, and any agreement bearing my signature. So far, I have not received adequate information to confidently confirm it is legitimate. 

I am concerned about the impact this unverified collection is having on my credit report and financial standing, especially since I can not be certain this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
Under XXXX XXXX. XXXX ( a ) ( XXXX ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX - XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-07-01 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: CA

Complaint narrative:
Under XXXX XXXX. XXXX ( a ) ( XXXX ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX Experian XXXX - XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : 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 explanation
Consumer complaint received 2025-07-01 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: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, I attempted a transaction for {$190.00} to " inmate payment '' ( how it appears on my cashapp statement ), which was intended to put money on an inmate 's commissary. On the first attempt, the commissary company stated they could not complete the transaction. The transaction showed as pending on my cashapp account. 

Assuming it was declined, I attempted the transaction a second time. This time, the transaction showed as declined on my cashapp account, because of insufficient funds. 

The original transaction remained " pending '' on my account until XX/XX/year>. The morning of XX/XX/year>, cashapp closed my account and ironically the transaction for {$190.00} came off of pending and showed as completed. However, the money was not on the inmate 's commissary. I contacted the commissary company to inquire, and they provided me a statement showing BOTH transactions for {$190.00} as DECLINED. 

I contacted cashapp and they submitted a dispute for me. I provided a picture of the statement provided to me by the commissary company, showing the transactions declined. However, cashapp denied my dispute. I submitted a second dispute with the same information, and it was denied again. 

At that point, I contacted cashapp customer service via phone and requested to speak to a supervisor. I was told a manager would reach out to me via email within 24 hours. They stated there are no supervisors available by phone. I never received contact from a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
On XX/XX/XXXX, a fraudulent purchase was charged to my Apple Goldman Sachs credit card of {$690.00}. I immediately received a notification through email for a receipt of a purchased Apple XXXX from an Apple XXXX in another city. This charge was supplemented with two rental car charges of {$150.00} and {$190.00}. All transaction were not authorized as I was in another city and made no such purchases. Because I canceled my card after the XXXX transaction, the only remaining charge balance was {$690.00}. I therefore made a dispute claim with the Goldman Sachs Apple Card, which the result, was a failed dispute. For 6 months I have made 4 disputes with every outcome remaining failed. Each time I have provided evidence of the fraudulent charges, receipts bank statements that prove I was in another location. The main piece of evidence that I submitted was an email a day later stating that the XXXX was returned, however no return funds are present on my account. Each time my dispute has been neglected, Goldman Sachs has not provided any evidence to the contrary. I have provided evidence below for the transaction, the in store instructions for pickup, the evidence that the item was returned, the neglected dispute case from Goldman, transaction on the date of the fraudulent charge that prove I was in another city, and lastly a picture showing the added charge from Goldman once the case was neglected

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Creditor : XXXX Account # : XXXX Date Opened : XX/XX/XXXX Status : Charged off {$1400.00} written off and marked past due Status Updated : XX/XX/XXXX ( but still updating monthly through XX/XX/XXXX ) Balance : {$1400.00} ( exceeds {$1000.00} credit limit 100 % usage ) Last Payment Date : XX/XX/XXXX Credit Limit : {$1000.00} Current Reporting : Charge-off every month from XX/XX/XXXX to XX/XX/XXXX ( 60 consecutive CO marks ) Violations Committed : 1. FCRA 609 ( a ) ( 1 ) No validation of debt provided You are required to provide signed contracts, charge-off statements, and billing records when an account is disputed. Despite multiple disputes, no such documentation has been provided.

2. FCRA 611 ( a ) Verified without reasonable reinvestigation This account was previously disputed and marked verified without any proof or documentation provided. The report even states : Completed investigation of FCRA dispute consumer disagrees, which shows non-resolution and poor reinvestigation.

3. FCRA 1681s-2 ( b ) Furnishing conflicting, false data This account shows charged-off but also {$1400.00} past due, which is conflicting. A charged-off account can not simultaneously be marked as past due for the full balance.

4. Metro 2 Violation Improper charge-off aging Reporting 60 months of charge-off marks is a major violation. Metro 2 standards allow a single CO in the month of charge-offnot continuous charge-off marks across 5 years. This is improper and falsely inflates the damage on the credit report.

5. Re-Aging Violation Statute of Limitations manipulation The last payment was on XX/XX/XXXX, but this account continues to be updated through XX/XX/XXXX. This may constitute re-aging of the debt to illegally extend the 7-year reporting period.

6. No dispute notation in comments Although the account says " consumer disagrees, '' there is no formal 'Account in Dispute ' status, which violates Metro 2 formatting and FCRA obligations.

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 2025-07-01 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 have become aware of a hard inquiry on my credit file which I did not authorize. I consider this to be a misuse of my personal information and a potential violation of the Fair Credit Reporting Act.

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 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase XXXX XXXX offered a 5 % cash back reward for making an in-store grocery purchase at XXXX. I live in California and there are no stores named XXXX. However, XXXX is the parent store of other grocers such as XXXX 's or XXXX. On XX/XX/XXXX, I made a purchase of {$44.00} at a XXXX. I never received the 5 % cash back of {$2.00}. I waited for XXXX business days and still had not received the cash back. I then called Chase and escalated the complaint. I then received a letter stating the offer is not valid because I used a third-party. However, I did not get the groceries delivered. I did not get them curbside. I physically went into the merchant and made a purchase inside the merchant. I followed the terms and conditions of the offer but was still denied. I called Chase back and they said that since the store 's name is not XXXX, the purchase is not valid. However, XXXX IS XXXX. 
Chase refuses to honor the offer they set forth despite the fact that I followed the terms and conditions to the letter. Chase owes me {$2.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I am demanding immediate deletion of this account due to blatant violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This account was previously disputed, yet it remains on my credit report verified without any documentation, which is a willful violation of federal law.

FCRA 609 ( a ) ( 1 ) No proof of liability, no signed contract, no original billing statements were provided. You can not verify what you can not validate.

FCRA 611 ( a ) My dispute was not properly reinvestigated. This account was marked verified without correcting the conflicting and inaccurate data.

FCRA 1681s-2 ( b ) Reporting this account as BOTH charged off and past due is legally inaccurate and misleading. Once charged off, there can be no past due balance remaining unless re-aged fraudulently.

Metro 2 Guidelines CO ( charge-off ) was marked repeatedly from XX/XX/XXXX to XX/XX/XXXX. That is a direct violation. A charge-off can only be reported ONCE not monthly.

Dispute Notation Missing Despite submitting a dispute, this account fails to reflect the mandatory Account in Dispute label. This is noncompliant with FCRA, Metro 2, and e-Oscar standards.

Re-Aging Red Flag The account reflects a charge-off in XXXX, despite the last payment being made in XXXX, which indicates illegal re-aging to extend the 7-year reporting period.

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 2025-07-01 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: FL

Complaint narrative:
I am demanding immediate deletion of this account due to blatant violations of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This account was previously disputed, yet it remains on my credit report verified without any documentation, which is a willful violation of federal law.

FCRA 609 ( a ) ( 1 ) No proof of liability, no signed contract, no original billing statements were provided. You can not verify what you can not validate.

FCRA 611 ( a ) My dispute was not properly reinvestigated. This account was marked verified without correcting the conflicting and inaccurate data.

FCRA 1681s-2 ( b ) Reporting this account as BOTH charged off and past due is legally inaccurate and misleading. Once charged off, there can be no past due balance remaining unless re-aged fraudulently.

Metro 2 Guidelines CO ( charge-off ) was marked repeatedly from XX/XX/XXXX to XX/XX/XXXX. That is a direct violation. A charge-off can only be reported ONCE not monthly.

Dispute Notation Missing Despite submitting a dispute, this account fails to reflect the mandatory Account in Dispute label. This is noncompliant with FCRA, Metro 2, and e-Oscar standards.

Re-Aging Red Flag The account reflects a charge-off in XXXX, despite the last payment being made in XXXX, which indicates illegal re-aging to extend the 7-year reporting period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent disputes to TransUnion, Equifax, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputes to TransUnion, Equifax, and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 30 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2025-07-01 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: MI

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief