vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
This is a follow-up complaint to my prior CFPB case ID XXXX On XX/XX/year>, a process server from XXXX XXXX XXXX appeared at my door to serve me in the ongoing lawsuit. He stated he was looking for XXXX XXXX. I answered via my XXXX  camera doorbell ( I was not home at the time ) and told him I am XXXX XXXX. The misnaming underscores the risk of wrong-party suits and why proper validation is critical before litigation proceeds. This conversation with the processor was captured on video. 

XXXX XXXX XXXX has previously been sued by consumers for pursuing the wrong parties, which further demonstrates the importance of requiring full validation before collection or litigation activity continues. 
XXXX XXXX XXXX continues to pursue litigation against me on behalf of JPMorgan, Chase Bank, N.A. without providing full and proper validation of the alleged debt under 15 U.S.C 1692g ( b ). 

In response to my previous CFPB complaint, XXXX XXXX XXXX provided only a one-page " validation notice '' and few account statements. They continue to misrepresent this minimal documentation as full validation and rely on non-binding case law to claim they have no obligation to provide additional evidence. 
This interpretation is misleading and inconsistent with the FDCPA and the CFPB 's Regulations. Account statements and an initial notice do not establish ownership or standing after charge-off, a signed agreement, or an itemized accounting proving the amount claimed. Nevertheless, the firm filed and continues litigation without supplying those materials after my timely disputes. 

XXXX XXXX XXXX operates a high-volume, litigation-first collection model. They file large numbers of cases quickly after charge-off, without offering consumers a reasonable chance to review or resolve disputes before court. This practice increases errors- such as wrong-party suits and incomplete validation - and deprives consumers of the fair opportunity the FDCPA intends to provide before litigation. 
I request the CFPB investigate this firm 's practices for deceptive use of " validation '' language, misuse of legal citations and failure to provide documentation establishing the alleged debt 's ownership and accuracy before litigation, and that collection and litigation be paused until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On my credit report, there are numerous hard credit inquiries that I did not authorize or apply for, including recent ones from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others between XXXX and XXXX. 

I previously submitted disputes to the credit reporting agencies and to the listed companies, requesting that they furnish proof of authorization ( such as signed credit applications or agreement forms ). In those disputes, I cited 15 U.S.C. 1681i ( FCRA 611 ), which requires the credit bureaus to investigate and delete any item that can not be verified. However, they refused to remove these inquiries or provide sufficient proof.

Because these inquiries are unauthorized, inaccurate, or improper, they are unfairly harming my credit profile and credit prospects. I am asking the CFPB to investigate whether the credit bureaus and the companies listed have violated consumer reporting laws by refusing to remove unverifiable or unauthorized inquiries.

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 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On my credit report, there are numerous hard credit inquiries that I did not authorize or apply for, including recent ones from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others between XXXX and XXXX. 

I previously submitted disputes to the credit reporting agencies and to the listed companies, requesting that they furnish proof of authorization ( such as signed credit applications or agreement forms ). In those disputes, I cited 15 U.S.C. 1681i ( FCRA 611 ), which requires the credit bureaus to investigate and delete any item that can not be verified. However, they refused to remove these inquiries or provide sufficient proof.

Because these inquiries are unauthorized, inaccurate, or improper, they are unfairly harming my credit profile and credit prospects. I am asking the CFPB to investigate whether the credit bureaus and the companies listed have violated consumer reporting laws by refusing to remove unverifiable or unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: AR

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX : XX/XX/2000 XXXX XXXX XXXXXXXX XXXX XXXXXXXX on : JEFFERSON CAPITOL LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the investigation into false and erroneous information on my credit report. As the evidence shows in the pictures provided, the date for JEFFERSON CAPITOL and XXXX XXXX collection is updated to a later date for time of delinquency as the result of selling the alledged collection to a third party agency. It is also vital to note that the JEFFERSON CAPITOL collection is a prior collection sold off by XXXX while has since shutdown and dissolved, and XXXX  is under investigation for the reasons stated above. XXXX  XXXX XXXX XXXX XXXX ) has false information as well on my credit report, stating I have had a late payment or am currently late when the record shows I shut a fraudulent account down and the money was never transferred properly after contacting the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company 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 2025-10-16 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXXXXXX 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 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  XXXXXXXX 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 FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-10-16 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: IL

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as " XXXX XXXXXXXX XXXX  IL XXXX XXXX -VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court Illinois XXXX Bankruptcy XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : XXXX. XXXX. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

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 2025-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
This company XXXX XXXX XXXX XXXX  XXXX XXXX a XXXX XXXXXXXX {$160.00} XXXX not a typo " Billing Cycle Charge '' every single month. I have been paying steady monthly payment ( auto-debit ) every month, but have also been making extra payments when possible. Note : They also charge this charge if I make extra payments in addition to my regularly scheduled auto-payment ( today 's extra " payment trans XXXX '' attached for example ). They told me it's a typical fee that they are able to charge. 
It's impossible to get this card paid down with the charges they charge! I would be shocked if this isn't illegal. Please advise. 

Opened XX/XX/year> Initial Line of Credit/borrow amount {$1000.00} Credit Limit Remains @ {$1000.00} ( they have offered to increase-do n't want that! ) Current Balance {$790.00} Total payments so far equal to {$1900.00} ( I may have missed XXXX or XXXX {$65.00} payments when adding that up )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/year>, deposited a check from a local business for {$4200.00} in my XXXX  checking account at XXXX at their branch located in XXXX XXXX in XXXX, Illinois. XXXX days have passed since I visited the bank and was told I would not be able to access my funds and no reason was given for placing XXXX on my deposit.

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 2025-10-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I'm still banking with Wells Fargo. My account is in. Its overdrawn money came up missing out of my account. What I disputed some transactions that I wasn't a real, they end up charging me for the money that was taken out of my account that I did not approve of Wells Fargo took so much money from me now my bank account overdrawn {$500.00} dollars how

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I am filing this complaint because XXXX is currently reporting an account from XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  - {$1500.00} * *, which appears as a charge-off or delinquent item on my credit report. I am requesting a formal debt validation and reinvestigation of this account because its reporting does not appear accurate, verified, or lawfully substantiated under XXXX  law. 

To date, I have not received any documentation proving the authenticity or ownership of this alleged debt. XXXX previous responses have been automated, providing only generic summaries that the item was verified by the furnisher. However, under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), XXXX  is required to conduct a reasonable reinvestigation of any disputed information to ensure its accuracy and completeness. A reasonable reinvestigation must include a review of supporting documentation, not just an electronic confirmation from the furnisher.

Furthermore, under 15 U.S.C. 1681e ( b ), XXXXXXXX  has an obligation to maintain the maximum possible accuracy in consumer credit files. Reporting a charged-off or delinquent account without verified evidence of its legitimacy fails to meet this legal requirement. If XXXX or its parent company ( Barclays Bank Delaware ) can not provide a signed agreement, original account documentation, complete payment history, and proof of ownership, then the continued reporting of this account constitutes a direct violation of the FCRA. 

In addition, under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), any entity involved in the collection or furnishing of debt information must cease reporting activity and provide full validation when a consumer requests it. Validation must consist of more than a generic verificationit requires actual documentation that substantiates the debts existence, accuracy, and ownership.

This inaccurate reporting has caused real harm. The presence of this item has reduced my credit standing, increased my borrowing costs, and created unnecessary emotional distress. It feels deeply unfair to be penalized by information that may not even be legitimate, particularly when I have made multiple good-faith efforts to resolve it properly. Every time I attempt to fix the issue, I am met with the same automated response that the account has been verified, yet no proof is ever produced. I should not be forced to live with the consequences of a record that can not be substantiated by the creditor or verified by the 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
Consumer complaint received 2025-10-16 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Fees charged
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
This company makes it hard for payments. They change rates throught the loan,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Veros Credit, LLC
State: FL

Complaint narrative:
I NEED TO BLOCK AND REMOVE THIS ITEMS : Accounts : XXXX Account Number : XXXX Date opened : XXXX XXXX, XXXX Balance : {$290.00} XXXX XXXX  Account Number : XXXX XXXX opened : XXXX XXXX, XXXX Balance : {$220.00} XXXX. XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
Purchased a pair of sunglasses XX/XX/year> at XXXX AM from XXXX at XXXX XXXX XXXX Returned to same location on XX/XX/year> to return sunglasses in same condition purchased in per their return policy. Was confronted by the store XXXX, XXXX XXXX urging me to exchange the sunglasses instead of offering a refund even though I was within their return window and sunglasses were eligible for full refund. 

XXXX claimed he needed to obtain an authorization code via email to process the refund and would do so within XXXX business days. The sunglasses and receipt were left with him on XX/XX/year> and refund was never processed. 

I disputed the charge with my credit card company, XXXX XXXX Goldman Sachs and they denied my dispute claiming I do not have evidence of returning the item as claimed by XXXX XXXX 

I did not record myself purchasing, or returning the glasses ( as I would never do in my regular routine ), and I took photos of the glasses and receipt prior to leaving XXXX on XX/XX/year>. 

There is security footage of me making the purchase with XXXX on XX/XX/year> who was taking a phone call during our entire transaction, and additional footage of my verbal exchange with XXXX XXXX where I left the sunglasses in his possession after he agreed to process the refund within XXXX business days. 

XXXX is refusing to provide video footage, and I am being fraudulently charged for an item no longer in my possession that was returned to the merchant less than a week after purchasing in the amount of {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: OH

Complaint narrative:
Under USC Sec 15 and FCRA 1681, 1682, 1683, 1784 1028g XXXX, XXXX and XXXX XXXX have been all contacted and a fraud alert was issued regarding the address below. 

XXXXXXXX XXXX XXXX XXXXXXXX OH XXXX UNDER FCRA THIS ADDRESS MUST BE REMOVED FROM EXPERIAN, TRANSUNION, AND EQUIFAX IMMEDIATELY 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 non-monetary relief