vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES
State: MN

Complaint narrative:
I reached a settlement agreement with Zwicker & Associates on behalf of XXXX XXXX  regarding a credit card debt. The settlement payment was made in full, and the company accepted the payment. After paying, I requested written confirmation or a receipt showing that the account was settled or that the balance was reduced to XXXX. 

Zwicker & Associates refused to provide any written confirmation by email, portal, or PDF. They stated that I must wait 21 business days to receive a letter in the mail. I explained that I need written confirmation for my mortgage lender and that the delay is causing financial harm, including a possible delay in closing and increased costs. Even after explaining the urgency, the company still refused to provide any written acknowledgment of the settlement. 

At this point, they have accepted my payment but are withholding any written documentation confirming the account status, despite multiple requests. This has placed me in a position where I have paid a debt but can not prove that it has been resolved. 

I believe this refusal violates the Fair Debt Collection Practices Act, specifically the requirements to provide written validation and accurate information about the status of a debt upon request.

Company response to consumer: Closed with explanation
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: Exeter Finance, LLC.
State: CA

Complaint narrative:
Exeter Finance Illegal Repossession and FCRA Violations Exeter Finance repossessed my vehicle and violated multiple state and federal laws. 

They did not : Send a Notice of Intent to Sell Send a Notice After Sale Provide an accounting Notify me in any form Allow me to retrieve my personal belongings I had to find out the vehicle was sold only by calling them myself. 

This violates : California Civil CXX/XX/XXXXe XXXX California Civil CXX/XX/XXXXe XXXX XXXX XXXX & XXXX FDCPA XXXX ( XXXX ) FCRA XXXX ( a ) FCRA XXXX ( b )

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: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
As of XX/XX/ 2025, I have not had access to my updated credit report and score. Experian noted that for some reason, my address had been removed from my file, causing my score not to update. Now I have done XXXX disputes, updated my address on my profile, and my report and score have not updated. This is a violation of my rights to have free access to my credit report and credit score, and I need this to be resolved 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: 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: VA

Complaint narrative:
The consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) XXXX by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a thorough reinvestigation of all items reported, the bureau has either failed to provide sufficient verification or continues to report information that remains unverified. This failure constitutes a direct violation of my rights under federal law and raises serious concerns about the accuracy, integrity, and reliability of the information being reported in my consumer file.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) XXXX by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a comprehensive reinvestigation of all reported items, the bureau has either failed to provide adequate verification or continues to report information that remains unverified. This failure constitutes a clear violation of my rights under federal law and raises significant concerns regarding the accuracy, integrity, and reliability of the information currently reflected in my consumer report.

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: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXis falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

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: DE

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during anXX/XX/XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not connected to these accounts ; removal within XX/XX/XXXX days is required.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

XXXX XXXX XXXXXXXX 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 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX I tried transferring {$910.00} out of my XX/XX/XXXX account into my bank account and XX/XX/XXXXsuspended myXX/XX/XXXX account. They sent XXXX mail saying they need to verify identity so I sent them my driver 's license, they have my e mail, phone number, address, name. Everything. Few days later they said they are permanently closing my account and they are keeping my funds {$910.00}. I've talked with several agents thruXX/XX/XXXX chat. They all said similar things, that i breached user agreement. Which i did nothing wrong other than trying to transfer my funds into my account. They said they have the right to keep my funds, it's in the user agreement. They said nothing else they can do or me. I want my funds back... those arw mine. Using for my sons x mas gift. Im XX/XX/XXXX mom and no child support, only can work part time, I want my funds that are mine

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a letter from TransUnion dated XX/XX/year>2025 stating that my Social Security Number and Date of Birth were exposed in a cyber incident involving their U.S. consumer support systems and a third-party vendor. They admitted that unauthorized access occurred and that my personal identifiers were compromised. 

At the same time, I have several disputed accounts on my TransUnion file that they either failed to investigate properly or failed to respond to within the XXXXday period required by the FCRA. TransUnion repeatedly sent generic verified responses without showing how they verified anything. 

Because my SSN and DOB were exposed, TransUnion can not rely on compromised identifiers to verify accounts. Any verification they claim to have done is unreliable. This breach puts me at an increased risk of identity theft, and any inaccurate or suspicious accounts must be treated as potentially connected to the breach. 

I am requesting that the CFPB require TransUnion to : Delete the disputed items Explain how they verified accounts using compromised data Correct their failure to safeguard consumer information Provide complete results of reinvestigations I am uploading the breach letter as evidence.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to dispute the following items on my Experian credit report, which I believe contain inaccuracies. The accounts in question are listed below : [ Charged Off Accounts ] XXXX XXXX, XXXX, XX/XX/XXXX, {$1300.00} XXXX XX/XX/XXXXXXXX, XX/XX/XXXX, {$21000.00} XXXX CARD SERVICES, XXXX, XX/XX/XXXX, {$3800.00}

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to comply with its obligations under 15 U.S.C. XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ). This provision requires the agency to provide a comprehensive description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact information of the furnisher, the identity of the individual with whom the agency communicated, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the XXXXday period mandated by law, which constitutes a clear and direct violation of my rights under the FCRA.

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

Complaint narrative:
Issue : Incorrect dispute handling / company error left unresolved for XX/XX/XXXX years Complaint : I am filing this complaint because Goldman Sachs ( Apple Card ) has failed to correct an error that they acknowledge is their fault. I have been stuck in an unresolved dispute loop for nearly XXXX years, and regular customer service is unable to fix the issue. 

On XX/XX/year>2024, I filed XXXX disputes for unauthorized transactions on my Apple Card. Shortly after, I made a separate and fully authorized in-store purchase of {$2000.00}. I have provided Apple Card with the original purchase receipt showing this transaction was legitimate. 

I then returned the purchased item in person on XX/XX/year>2024, and the merchant issued a refund on XX/XX/year>2024 for {$2000.00}. I also provided Goldman Sachs with the return receipt. 

XXXX months after my original unauthorized transaction disputes, Goldman Sachs credited back all disputed amounts except {$2000.00}. They stated that the reason was the merchant already refunded you {$2000.00}, but this refund was for my legitimate purchase and return, not the unauthorized transactions. The refund they are referring to is unrelated to the original fraud dispute. 

Because of this error, I was then forced to dispute the {$2000.00} all over again. Since then, for almost XXXX years, I have been repeatedly told that the issue is a system error on their side, that they can not reverse it, and that they dont know how to fix it. Every representative agrees that it is their mistake, but they continue to cycle me through the same process with no resolution. 

This has been ongoing since 2024, and I have provided : Original purchase receipt Return receipt Timeline of transactions Proof that the refund was for the legitimate return, not the fraudulent charges Despite acknowledging fault, Goldman Sachs has not corrected the account, refunded the {$2000.00}, or provided any explanation of next steps.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
TransUnion or Experian has not obtained the information to prove this is my bankruptcy like they said they have done. XXXX XXXX Bankruptcy Court sent me a letter stating they do not provide information to any credit bureaus. XXXX XXXX has sent me a copy of my current consumer report clearly showing I do not have a bankruptcy on my credit file in their office. They also sent documentation that they have contacted TransUnion to dispute this on my behalf. TransUnion and Experian are fraudulently putting things on my credit report. The FCRA state that credit bureaus have an obligation to ensure accuracy, this is not accurate this is false information that is hurting my credit. I have sent and uploaded proof of these lies, that the credit bureau is reporting. I have attached proof that neither of these agencies have provided TransUnion proof of bankruptcy as they claim they have. It also shows on my XXXX XXXX Report, that I do not have a bankruptcy in my file.

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: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Newrez has placed a negative late payment of over 30 days when it was never late. When speaking with a customer service rep they show that all of our payments have been 100 % on time on the XXXX of every XXXX month. Newrez reps refused to transfer us to the department who is responsible for credit reporting and states that you can only fax or email because they do not have phones. That is very concerning in itself. Our credit scores took a significant drop because of their errors. They have not responded and it has been disputed. We are highly concerned for ourselves and others that this was done without notice or communication, or an account audit prior to reporting to the credit bureaus. This has impacted our credit scores, credit history, emotional distress, our business, XXXX. This must be fixed and should not be happening to us or anyone else. We clearly have the documents that show we have made our on time payments, even they do as well apparently, but now we are paying the price for their errors. Why do they not have audit measures in place prior to placing negative things on someone's credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a verified victim of XXXX XXXX, debt bondage, and identity theft. 

Pursuant to my rights under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ), I am submitting this formal legal demand to have fraudulent and coercion-based information blocked and permanently removed from my TransUnion credit file. 

The items listed below were created or maintained through coercion and identity misuse. These records are inaccurate, do not belong to me, and continue to cause damage to my credit and personal reputation. 

Enclosures Provided : Certified Victim Determination Documentation ( for XXXX compliance ) Proof of identity, XXXX, and current address ADDRESSES TO DELETE : Incorrect Address 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that TransUnion immediately block and delete the information above in compliance with FCRA 605C ( b ) ( 1 ) and 605B ( c ) ( 1 ) and provide written confirmation once the deletions have been completed.

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: LA

Complaint narrative:
I am submitting this complaint because Equifax is reporting several items on my credit file that I believe are inaccurate, incomplete, or unverifiable according to the Fair Credit Reporting Act ( FCRA ). I am simply trying to correct my personal credit report, and I am requesting a full investigation into the accounts listed below. 


XXXX XXXX Acct : XXXX Date : XX/XX/year> Balance : {$14000.00} This account appears on my report with information that I believe may not be accurate or fully verified. I am asking for a reinvestigation to ensure all data is complete and factual. 

INQUIRIES ( XXXX  ) ( No inquiries listed for Equifax ) POSITIVE ACCOUNTS ( XXXX XXXX ( None listed ) LATE PAYMENT ACCOUNTS ( XXXX XXXX XXXX  Acct : XXXX XXXX XXXX Acct : XXXX

Company response to consumer: Closed with non-monetary relief