vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding the continued reporting of an inaccurate and legally invalid debt by [ Creditor Name ] and the credit reporting agencies XXXX, TransUnion, and XXXX. 

I was sued by XXXX XXXX XXXX in XXXX XXXX XXXX NY, Case No. XXXX, related to an alleged credit card debt. After a hearing, the court issued a full dismissal on XX/XX/year> due to the plaintiff 's lack of standing and failure to establish legal entitlement to the debt. The dismissal was with prejudice, and no appeal was filed. Therefore, the creditor has no legal authority to collect or report this debt. 

Despite sending copies of the court judgment and dismissal to all three credit bureaus and the creditor on multiple occasions including formal written disputes sent by certified mail the account continues to appear on my credit reports as derogatory and unpaid. This is inaccurate and misleading. 
The Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) requires that credit bureaus maintain procedures to assure the maximum possible accuracy of information. Reporting a debt that a court has dismissed in its entirety, especially after a traverse hearing, is not accurate. The creditor also violated its duties under 15 U.S.C. 1681s-2 ( b ) by failing to properly investigate and update its reporting after receiving notice of the dismissal. 

Reporting a debt based on a void proceeding is inaccurate, as there is no legal finding or obligation. For example, in New York : If a traverse hearing finds bad service, the court must dismiss the case for lack of personal jurisdiction ( see XXXX XXXX XXXX 3211 ( a ) ( 8 ) ). A creditor or collector can not legally report a debt as collectible if they never had standing or personal jurisdiction to pursue it in court.

Section 1681s-2 ( b ) of FCRA : Once you notify the furnisher of this legal defect and they continue to report the debt without correcting or removing it, they're violating the law.

This ongoing reporting has harmed my credit score, caused a denial of credit, and has created unnecessary stress and reputational damage. I am requesting that : 1. The account be * * fully deleted * * from my credit reports, not just marked as disputed or paid. 
XXXX. The credit bureaus and creditor/furnisher be held accountable for failing to comply with the FCRA. 
XXXX. My complaint be investigated as a willful violation under the FCRA, with appropriate regulatory consequences. 

I have attached the court order and copies of my written disputes and credit reports for reference. 

Thank you for your assistance in resolving this matter.

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding the continued reporting of an inaccurate and legally invalid debt by [ Creditor Name ] and the credit reporting agencies XXXX, XXXX, and Equifax. 

I was sued by XXXX XXXX XXXX in XXXX XXXX XXXX NY, Case No. XXXX, related to an alleged credit card debt. After a hearing, the court issued a full dismissal on XX/XX/year> due to the plaintiff 's lack of standing and failure to establish legal entitlement to the debt. The dismissal was with prejudice, and no appeal was filed. Therefore, the creditor has no legal authority to collect or report this debt. 

Despite sending copies of the court judgment and dismissal to all three credit bureaus and the creditor on multiple occasions including formal written disputes sent by certified mail the account continues to appear on my credit reports as derogatory and unpaid. This is inaccurate and misleading.

The Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) requires that credit bureaus maintain procedures to assure the maximum possible accuracy of information. Reporting a debt that a court has dismissed in its entirety, especially after a traverse hearing, is not accurate. The creditor also violated its duties under 15 U.S.C. 1681s-2 ( b ) by failing to properly investigate and update its reporting after receiving notice of the dismissal.

Reporting a debt based on a void proceeding is inaccurate, as there is no legal finding or obligation. For example, in New York : If a traverse hearing finds bad service, the court must dismiss the case for lack of personal jurisdiction ( see XXXX 's CPLR 3211 ( a ) ( 8 ) ). A creditor or collector can not legally report a debt as collectible if they never had standing or personal jurisdiction to pursue it in court.

Section 1681s-2 ( b ) of FCRA : Once you notify the furnisher of this legal defect and they continue to report the debt without correcting or removing it, they're violating the law. 

This ongoing reporting has harmed my credit score, caused a denial of credit, and has created unnecessary stress and reputational damage. I am requesting that : XXXX. The account be * * fully deleted * * from my credit reports, not just marked as disputed or paid. 
XXXX. The credit bureaus and creditor/furnisher be held accountable for failing to comply with the FCRA. 
XXXX. My complaint be investigated as a willful violation under the FCRA, with appropriate regulatory consequences. 

I have attached the court order and copies of my written disputes and credit reports for reference. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding the continued reporting of an inaccurate and legally invalid debt by [ Creditor Name ] and the credit reporting agencies Experian, XX/XX/XXXX 

I was sued by XXXX XXXX XXXX in XXXX XXXX XXXX NY, Case No. XXXX, related to an alleged credit card debt. After a hearing, the court issued a full dismissal on XX/XX/year> due to the plaintiff 's lack of standing and failure to establish legal entitlement to the debt. The dismissal was with prejudice, and no appeal was filed. Therefore, the creditor has no legal authority to collect or report this debt. 

Despite sending copies of the court judgment and dismissal to all three credit bureaus and the creditor on multiple occasions including formal written disputes sent by certified mail the account continues to appear on my credit reports as derogatory and unpaid. This is inaccurate and misleading.

The Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ) requires that credit bureaus maintain procedures to assure the maximum possible accuracy of information. Reporting a debt that a court has dismissed in its entirety, especially after a traverse hearing, is not accurate. The creditor also violated its duties under 15 U.S.C. 1681s-2 ( b ) by failing to properly investigate and update its reporting after receiving notice of the dismissal.

Reporting a debt based on a void proceeding is inaccurate, as there is no legal finding or obligation. For example, in New York : If a traverse hearing finds bad service, the court must dismiss the case for lack of personal jurisdiction ( see XXXX 's CPLR 3211 ( a ) ( 8 ) ). A creditor or collector can not legally report a debt as collectible if they never had standing or personal jurisdiction to pursue it in court.

Section 1681s-2 ( b ) of FCRA : Once you notify the furnisher of this legal defect and they continue to report the debt without correcting or removing it, they're violating the law. 
This ongoing reporting has harmed my credit score, caused a denial of credit, and has created unnecessary stress and reputational damage. I am requesting that : 1. The account be XX/XX/XXXX fully deletedXX/XX/XXXX from my credit reports, not just marked as disputed or paid. 
XXXX. The credit bureaus and creditor/furnisher be held accountable for failing to comply with the FCRA. 
XXXX. My complaint be investigated as a willful violation under the FCRA, with appropriate regulatory consequences. 

I have attached the court order and copies of my written disputes and credit reports for reference. 

Thank you for your assistance in resolving this matter.

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 2025-08-03 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: NY

Complaint narrative:
Proposed Resolution : I am requesting a full refund of the disputed Cash App transactions totaling {$2900.00} made between XX/XX/XXXX and XX/XX/year> to Cash App * XXXXXXXX XXXX. I did not authorize or receive the promised services for these charges. I am asking for the companies involved to investigate the transactions and issue a full reimbursement to my XXXX account. If a full refund is not possible, I request a detailed explanation and proof of services rendered or receipts showing my explicit authorization. 

Here 's the updated list of Cash App transactions including the new entry for XX/XX/year> : XX/XX/year> Date Description Amount XX/XX/year> Cash App * XXXX XXXX XXXX {$25.00} XX/XX/year> Cash App * XXXX XXXX - {$10.00} XX/XX/year> Cash App * XXXX XXXX  - {$25.00} XX/XX/year> Cash App XXXX XXXX XXXX XXXX {$240.00} Total ( XXXX ) : - {$300.00} XX/XX/year> Date Description Amount XX/XX/year> Cash App * XXXX XXXX - {$900.00} XX/XX/year> Cash App * XXXX XXXX XXXX {$200.00} Total ( XXXX ) : - {$1100.00} XX/XX/year> Date Description Amount XX/XX/year> Cash App * XXXX XXXX XXXX {$580.00} XX/XX/year> Cash App * XXXX XXXX XXXX {$200.00} Total ( XXXX ) : - {$780.00} XX/XX/year> Date Description Amount XX/XX/year> Cash App * XXXX XXXX  - {$780.00} Total ( XXXX ) : - {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Plaintiff ) XXXX  # XXXX XXXX XXXX Lawsuit Claim Status Corporate Burden Shifting CORP SS 549 CA-California - 9a.48.090 RCW # Violation Malicious Mischief 1st Degree Corporate Burden Leaning 9a.20.021 RCW # Violation Violation XXXX XXXX  RLTA Newcombe vs. Green - Non ethnic discrimination establishment on Social Security Beneficiary. 
XXXX XXXX XXXX XXXX order of protection of claim status arbitrator. 

Federal Trade Commission XXXX # XXXX - EFTA violation ; Electronic fraud Consecutive number entry 1-2-3-4-5 ( fraud ) Office of Bill Clanton.P.C . claim # XXXX Declaration XXXX XXXX Telemarketing Company XXXX XXXX Serve a wide range of clients.The Signature Group XXXX XXXX retail conglomerate XXXX XXXX was mentioned as providing services to there card holders but also deriving 40 % XXXX percent of its business from XXXX XXXX XXXX other clients. 

Amendment of Lawsuit Claim Status Declaration XXXX XXXX Amendment of lawsuit claim status EEOC Title 7 Civil Rights Act, the Americans with disabilities act, age discrimination in employment act V.Douglass ( Plaintiff ) XXXX XXXX XXXX Email XXXX from XXXX XXXX XXXX XXXX Amendment of existing claim Victimization I would like " protected '' status, " protected '' claim status They contacted me again, during odd hours and an odd air of transferring suspicion. 

I have gathered evidence I file a motion for leave to offend

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 2025-08-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
XXXX XXXX  Formal Complaint Statement Regarding Account Closure XXXX XXXX On XX/XX/2024, Goldman Sachs Bank USA closed my Apple Card account without adequate justification. When I formally requested specific reasons for this closure, the bank provided only a vague reference to an alleged " violation of terms '' without furnishing any concrete details, documentation, or specific policy provisions that were purportedly breached. I have consistently maintained excellent payment history and am not aware of any legitimate contractual violations on my part. 

I am cognizant that both Goldman Sachs Bank USA and Apple Inc. have recently been subject to significant regulatory enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) for systematic mishandling of Apple Card accounts, including but not limited to : ( 1 ) failure to provide adequate consumer notifications regarding account actions ; ( 2 ) improper and unjustified account closures ; and ( 3 ) lack of transparency in customer communications and dispute resolution processes. 

My experience appears directly consistent with the pattern of conduct identified by federal regulators in their recent enforcement proceedings. The bank 's failure to provide specific justification for account closure, combined with the vague and unsupported citation of terms violations, mirrors the regulatory findings regarding Goldman Sachs ' inadequate consumer communication practices. 

XXXX XXXX Requested Resolution : XXXX XXXX I formally request : ( 1 ) a detailed, written explanation specifying the exact terms allegedly violated and supporting documentation ; ( 2 ) restoration of my account if no legitimate violation occurred ; and ( 3 ) correction of any adverse credit reporting that may have resulted from this potentially improper closure.

I believe this account closure may constitute part of the broader systemic issues for which Goldman Sachs has faced regulatory sanctions, and I seek appropriate redress consistent with consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: TN

Complaint narrative:
On XX/XX/year>, I reviewed my consumer credit report and identified several accounts that I do not recognize and have never opened. These accounts were reported without my knowledge or authorization and do not reflect any financial activity initiated by me. 
The following accounts appear to be fraudulent : XXXX. XXXXXXXX XXXX XXXX account with a reported balance of {$27000.00} XXXX. XXXX XXXX XXXX XXXX collection account for {$170.00} XXXX XXXX XXXX XXXX account showing a balance of {$1600.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX account listed for {$2100.00}

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 2025-08-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am disputing an inaccurate tradeline reported by Westlake Financial Services. On XX/XX/XXXX, I entered into an auto loan with Westlake for {$15000.00}. I made regular monthly payments, with the final payment made in XX/XX/XXXX. 

After that, the vehicle was repossessed, and Westlake later reported the account as a charge-off with a remaining balance of {$7600.00}. This balance continues to be reported on my XXXX  credit file, which is inaccurate and misleading.

Under IRS 166 and GAAP, a charge-off is a declaration that the debt is uncollectible, typically accompanied by recovery through : Sale of the repossessed vehicle ( collateral ), An insurance payout, A tax deduction, or Assignment or securitization of the contract.

Additionally, UCC 9-615 ( a ) requires the creditor to apply any proceeds from the disposition of repossessed collateral to the outstanding balance. Westlake has not provided any itemized accounting or verification of how the balance of {$7600.00} was calculated after repossession.

Westlake also failed to issue a 1099-C, which is required under IRS 6050P if the debt was discharged or written off. Reporting a balance after repossession and charge-off, with no proof of remaining liability, is a violation of : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Duty to report accurate and complete information FCRA 1681i ( a ) Duty to correct or delete unverifiable or inaccurate data This account should be deleted from my credit file unless Westlake can fully verify and account for the reported balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
On XX/XX/XXXX, I served a formal Enforcement Affidavit under UCC 3-501 and XXXX, giving XXXX XXXX  15 days to cure the default. They failed to respond. On XX/XX/XXXX, they filed a second foreclosure lawsuit ( XXXX ) in state courteven though the matter had already been administratively defaulted, contractually dishonored, and jurisdictionally flawed. 

Additionally, XXXX XXXX  continued credit reporting violations. Despite being reinstated through XXXX in XX/XX/XXXX, they reported involuntary repossession in XXXX, removed it in XXXX, but continued to report the account as XXXX days late through XX/XX/XXXX. These false reports violated the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ).

They also violated the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) by continuing collection efforts without verifying the debt. They ignored a legally recorded Revocation of Power of Attorney and a Letter of Rogatory served in XX/XX/XXXX, both of which revoked their servicing authority. Despite these notices, they sent mail to the wrong address and posted a collection notice directly on my mailbox in XXXX XXXX federal postal law and privacy protections. 

I previously filed a complaint with CFPB in XX/XX/XXXX. It was closed without resolution. This submission includes additional evidence that proves ongoing harm, willful violations, and false foreclosure actions by XXXX XXXX. I request that CFPB reopen the complaint and initiate enforcement. 


Supporting documents include : XXXX reinstatement email dated XX/XX/XXXX XXXX XXXX  statement dated XX/XX/XXXX Revocation of Power of Attorney ( recorded ) XX/XX/XXXX Cover Letter summarizing timeline and legal notices Enforcement Affidavit ( XX/XX/XXXX ) Credit reports ( XXXX XXXX XXXX. XXXX ) The following documents were excluded from this upload due to file size restrictions : Negotiable Instrument and original XXXX proof of service Mailbox photo evidence from XX/XX/XXXX Letter of Rogatory establishing restricted service jurisdiction I am prepared to immediately email the full record including these omitted exhibits upon request by the XXXX. Please contact me at : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-03 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-03 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 2025-08-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Subject : Unauthorized Hard Inquiries Request for Removal To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that appear on my Experian credit report. I did not authorize these inquiries, nor did I initiate any application or give permission to the companies listed below to access my credit file. 

The inquiries in question are : XXXX. XXXX XXXX NA XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX These entries are damaging my credit score and were made without my consent. I am requesting that you immediately investigate these inquiries and remove them from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Enclosed are copies of my identification and proof of address to assist with your investigation : - A copy of my drivers license or state ID - A recent utility bill or bank statement with my current address Please confirm in writing that these inquiries have been removed or provide the results of your investigation. 

Sincerely, * * 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