vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 
Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

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 2025-10-31 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: HI

Complaint narrative:
I cancelled an XXXX XXXX order before shipment. XXXX intercepted and returned the device on XX/XX/year>. Goldman Sachs issued a dispute credit on XX/XX/year> for the charge. However the Apple Card installment plan remains active because XXXX has not cancelled the merchant installment/financing contract in their system. Goldman can not apply the credit because the merchant-side installment still exists. 
I have escalated repeatedly to XXXX and Goldman Sachs for over 2 weeks, spoke to multiple supervisors, and have transcripts and reference numbers. Neither company has completed the merchant reversal or applied the credit to remove/retire the installment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: KY

Complaint narrative:
They were harassing me a year ago and using horrible language to me already for the same account a year ago. I have filed a complaint about Harris & Harris XXXX to you all in a previous complaint for harassment with constant calling as XXXX a XXXX federal employee and college student. 

Now they texted me UNSOLICITED saying I opted into text messages when I havent touched their site, talked to any of them, etc since my CFPB report against them within the last 10 months. I NEVER opted to receive texts and I told them regarding the SAME ACCOUNT AND DEBT to stop contacting me within less than a year since this contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
" I am filing a complaint against Kia Finance America ( KFA ) for a systematic, deceptive, and fraudulent practice of misallocating my auto loan payments, which artificially inflates my principal balance and maximizes interest charges. I have payment history dating back to XX/XX/XXXX to prove this pattern. 

The KFA online portal forces customers to call-in to manually request allocation of overpayments to the principalan intentional, obstructive hurdle. Even after complying with this process, KFA repeatedly fails to honor the request. 

Loan Details : Loan originated on XX/XX/XXXX. I have been making overpayments to pay down the principal since then. 

Recent Incident ( Example of Pattern ) : XX/XX/XXXX : I made a payment of {$620.00}, which was {$280.00} over the minimum. 

XX/XX/XXXX : I called KFA, as required, and explicitly requested the overage be applied Principal Only. I was assured this would be done, but the KFA portal showed the entire {$620.00} applied to interest/advance payments. 

XX/XX/XXXX : I called the Escalation Team to correct the misapplication. They promised a correction but later failed to provide a reference number, stating it was 'internal. ' XX/XX/XXXX : I made two more calls. KFA representatives confirmed that the full {$620.00} payment went toward interest and stated there was 'nothing they can do. ' This repeated failure to apply funds as directed, compounded by the inability of the Escalation Team to resolve a clear misallocation, demonstrates a deliberate lack of good faith and a systemic practice of financial hindrance. I have suffered direct financial harm through excessive interest accumulation due to this continuous non-compliance. ''

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 2025-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
XXXX XXXX Accounts : XXXX ( Account : XXXX XXXX XXXX ) * * Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$4300.00}. Please verify and update the status of this account. 

XXXX ( Account : XXXX XXXX XXXX ) * * Dispute : This account is reported as charged off on XX/XX/XXXX with a balance of {$7000.00}. Please review and verify this account. 

XXXX ( Account : XXXX XXXX XXXX ) * * Inquiries : XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry is unauthorized and should be removed from my credit report. 

XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry was made without my consent. Please remove it from my credit report. 

Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$4000.00}. Please verify and correct this entry. 

XXXX XXXX  XXXX ( Account : XXXXXXXX XXXX XXXX ) * * Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$600.00}. Please investigate and provide the correct status. 

XXXX XXXX ( Account : XXXX XXXX XXXX ) * * Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$2400.00} is inaccurate. Please verify and provide the correct status. 

XXXX XXXX ( Account : XXXX XXXX XXXX ) * * Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$8600.00} is incorrect. Please review and update the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding mortgage servicing irregularities by XXXX XXXX. My loan originated by XXXX XXXX  XXXX shows a note interest rate of 3.75 % and a monthly payment of {$1300.00}. However, XXXX has billed me at 4.75 % and {$1700.00}. 

Additionally, XXXX has not provided documentation proving its authority to service the loan or enforce foreclosure. A forensic audit reveals no recorded assignment from the originator to XXXX or to the XXXX XXXX XXXX XXXX XXXX, which allegedly holds the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
This is a follow-up complaint regarding [ Experian / XXXX / XXXX XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF - XXXX XXXX XXXXXXXX * * * * 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 2025-10-31 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:
Charged-Off Account XXXXXXXX XXXX Acct # : XXXX * * * * Date : XX/XX/year> Amount : {$1000.00} I am requesting verification of this account from the original creditor. If TransUnion can not confirm the accuracy of the account details, please remove it under FCRA 611.

Inquiries I am disputing the following TransUnion inquiry as unauthorized. 
Please provide verification of permissible purpose or remove the inquiry immediately. 

XXXX XXXX XX/XX/year> SUMMARY STATEMENT I am asking each credit bureau to : Verify the accuracy and completeness of each disputed account and inquiry. 

Provide documentation confirming my liability, account history, and creditor authorization. 

Delete any information that can not be verified or lacks documentation from the original data furnisher. 

I am not disputing legitimate debts ; I only want my credit reports to accurately reflect verified and lawful information. I appreciate the CFPBs assistance in ensuring a fair investigation and compliance with 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 explanation
Consumer complaint received 2025-10-31 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-31 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: IN

Complaint narrative:
On Thursday XXXX the XXXX 2025 and several other dates, I applied for the XXXX XXXX through the First Bank of Omaha. I keep getting preapproved applications through them non stop teasing me that I could get credit from them, when in fact they know they are going to deny me. Every single time they keep giving me the same reasons for denial. XXXX  they say I have to many hard checks on my credit report. Well if they would quit giving me false hope that I would get anything and give me a chance then I would quit getting so many of those hard checks. Another reason is due to not having any credit or credits cards. Well you have to be given a chance to get credit un till some one does that your not ever going to have any. They also use my credit score, which is unfair due to the fact that XXXX. They give people with lower credit scores than me credit, and XXXX. A person can't get a higher credit score un till they are given a chance with credit. Also if they look at my report it shows where I pay my bills on time. It would be XXXX thing if I had past due amounts or maxed out credit cards but I have neither of those on my record. This is why I firmly believe I'm unfairly being denied a credit card from them.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: TN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached 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 2025-10-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
This is a follow-up to a previous complaint I XXXX The company has not provided the required validation of the alleged debt as outlined under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ). I requested documentation including the original signed agreement, full payment history, and proof of ownership or assignment showing the legal right to collect this debit The companys response did not include these items and therefore does not meet the validation requirements. Please review the previous complaint and response to see the pattern of non-compliance. I am requesting the CFPB to investigate this matter further and ensure the company either provides full validation or removes any reporting associated with this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: MD

Complaint narrative:
I, XXXX 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 an 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 explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I made a payment to my landlord for rent through my Chase bank acct with XXXX, which I have been doing the same way for over 3 years every month. My landlord information is saved in my Chase acct, so I only have to click his name, enter the amount {$2000.00}, a reason why I am sending which I entered " Rent '' and press send. 
The chase bank confirmed via text and my acct shows my landlord XXXX XXXX received. My landlord stated he did not receive. when I contacted Chase Bank on a three-way call between Myself, landlord and Chase representative to inquire, Chase stated the acct # it was sent to is different even though it confirmed I sent the funds sent it to my landlord. While on the call I sent {$1.00} to my landlord to check if it will go to his acct and he did receive the {$1.00}.

I mentioned to chase how is it possible for the acct number to change back and how is this my fault if I sent it to the right person by just clicking their saved information that I have added to my Chase acct. A claim was filed denied, re-opened and denied again and the reason was I entered the wrong information on whom I was sending to which is incorrect. 
I contacted XXXX and they stated I have to file a claim with chase bank which already took place. Chase is unable to advise where my funds are and have not refunded me for their error in their systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: MA

Complaint narrative:
I am writing to dispute certain entries on my credit report, which I believe to be inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ), I request that these items be promptly reviewed and corrected. 

XXXX. Charged-Off Accounts The following accounts are incorrectly listed as charged-off and should be removed or corrected : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : This account is reported as charged-off, which is incorrect. There were no delinquencies associated with this account. Please remove or correct this entry. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : This account was not charged-off, and its current reporting status is inaccurate. Please delete or correct it. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : This account was not placed in collections and is incorrectly marked as charged-off. Please remove this account. 

XXXX. Unauthorized Inquiries The following unauthorized inquiries were made and should be removed : XXXX Date of Inquiry : XX/XX/XXXX Dispute Reason : Unauthorized inquiry. Requesting removal. 

XXXX Date of XXXX : XX/XX/XXXX Dispute Reason : Unauthorized inquiry. Please remove it from my credit report.

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