vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX, I traded in my vehicle and understood that the dealership would handle the auto loan payoff directly with XXXX XXXX. Unbeknownst to me, the dealerships original payoff checks were rejected, which caused a delay in closing out the loan. I was not made aware of this issue until after XXXX XXXX had reported a 30-day late payment to the credit reporting agencies.

This late payment has negatively impacted my credit score by over XXXX points, and has affected my ability to qualify for refinancing, resulted in higher interest rates, and impacted other areas of my financial life. I immediately contacted XXXX XXXX once I became aware of the issue, explained the circumstances, and requested a goodwill adjustment to remove the late mark from my credit report. 

Despite my previously excellent payment history and the fact that the situation stemmed from a third-party error, XXXX XXXX declined to make any adjustments. I believe this reporting is unfair and punitive under the circumstances, especially since the account has now been paid in full.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XXXX, I traded in my vehicle and understood that the dealership would handle the auto loan payoff directly with XXXX XXXX. Unbeknownst to me, the dealerships original payoff checks were rejected, which caused a delay in closing out the loan. I was not made aware of this issue until after XXXX XXXX had reported a 30-day late payment to the credit reporting agencies.

This late payment has negatively impacted my credit score by over XXXX points, and has affected my ability to qualify for refinancing, resulted in higher interest rates, and impacted other areas of my financial life. I immediately contacted XXXX XXXX once I became aware of the issue, explained the circumstances, and requested a goodwill adjustment to remove the late mark from my credit report. 

Despite my previously excellent payment history and the fact that the situation stemmed from a third-party error, XXXX XXXX XXXX XXXX make any adjustments. I believe this reporting is unfair and punitive under the circumstances, especially since the account has now been paid in full.

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 2025-05-25 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:
In XXXX, I traded in my vehicle and understood that the dealership would handle the auto loan payoff directly with XXXX XXXX. Unbeknownst to me, the dealerships original payoff checks were rejected, which caused a delay in closing out the loan. I was not made aware of this issue until after XXXX XXXX had reported a 30-day late payment to the credit reporting agencies. 

This late payment has negatively impacted my credit score by over XXXX points, and has affected my ability to qualify for refinancing, resulted in higher interest rates, and impacted other areas of my financial life. I immediately contacted XXXX XXXX once I became aware of the issue, explained the circumstances, and requested a goodwill adjustment to remove the late mark from my credit report. 

Despite my previously excellent payment history and the fact that the situation stemmed from a third-party error, XXXX XXXX declined to make any adjustments. I believe this reporting is unfair and punitive under the circumstances, especially since the account has now been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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:
While checking my credit report i noticed alot of unauthorized accounts on my credit report. I have attached the account numbers and the companies that has reported the accounts in my dispute letters.

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 2025-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: AE

Complaint narrative:
I am an XXXX XXXX service member and a Louisiana resident. I entered XXXX XXXX on XX/XX/year>, and the account in question has been active throughout my military service. 

Under Louisiana Revised Statute RS 29:312, creditors are prohibited from charging more than 6 % interest per year on any obligation or liability incurred by a service member or their spouse during a period of XXXX XXXX. This applies to all debts, regardless of when they were incurred, and does not require that the obligation predate military service. 

The statute explicitly states in Paragraph D that the creditor shall not charge, collect, or receive more than 6 % interest during the period of XXXX XXXX. This requirement is automatic upon documentation and not subject to discretionary approval.

I am submitting this complaint because the creditor has continued to charge interest in excess of 6 %, in violation of RS 29:312. While I have not previously submitted documentation directly to the creditor, the Louisiana law places the burden on the creditor to comply once military status is established. 

I am requesting a full review of my account and a refund of all interest and fees charged in excess of 6 % during the duration of my XXXX XXXX service. 

I have attached my DD Form 4 ( enlistment contract ) and XXXX XXXX orders to verify eligibility. 

Reference : Louisiana Revised Statute RS 29:312 Link : https : //www.legis.la.gov/XXXX XXXXXXXX I have uploaded two documents. " XXXX XXXX XXXX '' shows that I enlisted as a resident of Louisiana XXXX XX/XX/year>. " XXXX XXXX XXXX '' shows that I am still in XXXX XXXX service, stationed in XXXX. These orders will also have my spouse on page two, who also falls under RS 29:312 ( D ) : No creditor shall charge, collect, or receive interest in excess of six percent per annum from a person on XXXX XXXX with the United States XXXX XXXX or the spouse of that person, during the period of XXXX XXXX service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
Southwest Credit Systems is reporting a collection account on my credit report for a debt that I am not aware of and do not recognize. I have not received any prior notice or communication about this debt before it appeared on my credit report. 
Since then, I have been receiving numerous phone calls starting before XXXX XXXX and sometimes continuing until after XXXX XXXX. Many of these calls are pre-recorded messages or voicemails, and they leave multiple voicemails per day. The calls come from many different phone numbers, often using area codes and numbers located near or within my city, presumably to increase the chances I will answer. This tactic makes it very difficult to document and track their calls. 
Additionally, representatives from Southwest Credit Systems have used harsh tones and threatening language, including threats to sue me, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ). Under the FDCPA, debt collectors are prohibited from using threats of legal action they do not intend to take or abusive, harassing, or threatening conduct.

I also understand that when a debt buyer purchases debt from another company, they must provide proper validation and a complete chain of assignment proving they legally own the debt and have the right to collect it. Southwest Credit Systems has failed to provide this documentation, which means they can not legally force me to pay this debt. Reporting unverified debts also violates the Fair Credit Reporting Act ( FCRA ), which requires credit information to be accurate and complete.

I am disputing the validity of the debt and request that Southwest Credit Systems cease all calls and collection activities until they provide full documentation validating the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: AZ

Complaint narrative:
I am writing to file a formal complaint regarding an unresolved credit card dispute with the Apple Credit Card, issued by Goldman Sachs. 

In XX/XX/year>, a charge of {$64.00} ( XXXX XXXX XXXX ) was posted to my account that I do not recognize or authorize. I have been disputing this charge for over a year now. Despite multiple communications with Apple Card support and Goldman Sachs, the issue remains unresolved. 

The charge in question is from an unknown merchant. I have requested detailed information about the charge multiple times, but the company has refused to provide me with sufficient details or a legitimate explanation of why the charge is considered valid. Instead, they have repeatedly asked me to provide evidence that the charge is fraudulent. However, because I do not recognize the merchant or the transaction, I am unable to provide such evidence. 

This situation is extremely frustrating, as it puts an unreasonable burden on me to disprove a charge I did not make and can not identify. I believe this contradicts the protections offered to consumers under the Fair Credit Billing Act, which places the burden on the issuer to investigate and substantiate disputed charges. 

I am requesting the CFPB to investigate this matter and assist in : Having the {$64.00} charge removed from my account ; Requiring Goldman Sachs ( Apple Card ) to provide a full explanation of their findings regarding this dispute ; Ensuring my credit is not negatively impacted by this ongoing issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disputed information on my credit report and its still there despite it being inaccurate. i gave my legal documents ( STATE ISSUED ID & SOCIAL SECURITY CARD ) with my legal name and the accounts and personal information on my credit report are still inaccurate. if the account belong to someone with a different name than my but is using my social security number then the accounts should be deleted once i verified my identity.

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 2025-05-25 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: U.S. BANCORP
State: IN

Complaint narrative:
I OPENED A BUSINESS CHECKING ACCOUNT ON XX/XX/year>. I ALSO APPLIED FOR XXXXXXXX XXXX XXXX XXXX CARD. I REALIZED THAT WAS THE WRONG CARD. I INSTANTLY CALLED US BANK & UNDERWRITING WAS CLOSED. I HAD A SECURITY FREEZE ON XXXX  SO IT WAS DENIED!! THE NEXT DAY WITH WAS XX/XX/year> I CALLED BACK I GOT THRU TO UNDERWRITING TO EXPLAIN I WANTED TO APPLY FOR THE XXXX CARD WITH HAS A 0 % XXXX FOR XXXX MTHS. I WAS TOLD THE APPLICATION WAS DENIED FOR THE XXXX CARD DUE TO THE SECURITY FREEZE SO I WAS ABLE TO APPLY FOR THE XXXX CARD. THEY THEN TRANSFERRED ME TO THE CREDIT CARD DEPARTMENT TO APPLY FOR THE XXXX CARD. I BEGIN THE APPLICATION ON THE PHONE SO I REMOVED THE SECURITY FREEZE FROM XXXX. BEFORE THE APPLICATION WAS COMPLETED AN INQUIRY WAS PUT ON MY REPORT FROM THE XXXX CARD WHICH WAS SUPPOSED TO BE DENIED & CLEARED OUT SO I COULDNT PROCEED WITH THE APPLICATION BECAUSE IT WOULDVE BEEN XXXX INQUIRIES ADDED. I WAS TRANSFERRED TO SEVERAL MANAGERS THAT TOLD ME THEY HAVE CONTACTED XXXX  & THE INQUIRY WOULD BE REMOVED IN XXXX WEEKS. I CALLED XXXX ON XX/XX/year> & WAS TOLD THEY HAVE NEVER RECEIVED ANYTHING FROM US BANK SO THE INQUIRY WILL REMAIN ON MY CREDIT REPORT. I THEN CALLED US BANK FOR THEM TO NOW HAVE NO RECORD OF WHAT HAS HAPPENED. I SPOKE WITH ANOTHER MANAGER THAT WAS SUPPOSED TO CALL ME BACK AFTER XXXX HOURS AND NEVER DID.

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 2025-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Information was inaccurate the reversal dates of transactions were incorrect- ACH payments can not be reversed and were not reversed by the bank ( XXXX XXXX ). The information provided by the company was incorrect. XXXX XXXX XXXX still reports inaccurate information to Experian regarding my account. Information provided for previous dispute is inconsistent to the documentation provided online. Documentation has been falsified to support their claim, I still have original records and documentation of all transactions to support claim.

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 2025-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: NV

Complaint narrative:
I received an email from a debt collection company named L.J. Ross Associates attempting to collect an alleged past-due payment owed to a creditor called XXXX XXXX XXXX XXXX  '' I logged onto my power company website and confirmed that my balance owed is, in fact, {$0.00}. I think this email is a phishing scam for the following reasons : 1. The creditor listed in the email notification is not an actual creditor but was intentionally similar to the actual creditor 2. Requested payment was that I make payment directly to L.J. Ross rather than the creditor.

3. Attempts to make the email appear official with links to your website, etc. 

I did request validation information including correct creditor name, account number, customer number and premises number but have not yet received a reply. I believe this a fraudulent attempt to collect funds from me and that this company should be prosecuted for breaking State and Federal laws regarding phishing emails and attempts to collect funds fraudulently across state lines, etc.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: GA

Complaint narrative:
While checking my credit report i noticed alot of unauthorized accounts on my credit report. I have attached the account numbers and the companies that has reported the accounts in my dispute letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 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: CT

Complaint narrative:
I have not been in XXXX XXXX XXXX XXXX, and only went for XXXX XXXX XXXX, the loans were taken out in my Mothers name and paid for with her bank account. 
Suddenly, just this month I find on XXXX XXXX that I suddenly owe over {$1100.00} from delinquent loans that have dropped my credit score over XXXX points. I have no way of reconciling this because I never took out XXXX XXXX in my name or with any of my banking accounts. Any XXXX XXXX  even remotely connected to me were paid off years and years and years ago. Im not sure what to do. It has destroyed my credit from right under my nose and I had no way of seeing it coming. 
It suddenly appeared on my credit report just this month, with an entire fabricated payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
The consumer took multiple proactive and legally appropriate steps to resolve a vehicle title issue, while the lender failed to provide any meaningful assistance or resolution. 

Actions Taken by the Consumer : Contacted the Florida Department of Highway Safety and Motor Vehicles ( FLHSMV ) to clarify title ownership.

Successfully petitioned for and obtained removal of their name from the vehicle title. 
Engaged with the FLHSMVs Investigation Branch, resulting in a formal closing letter confirming their removal from the title and clarifying legal ownership status. 
Attempted to communicate with the lender ( Navy Federal ) about the title change and the resulting lack of lien.

Kept detailed documentation, including the DMV letter, payment history, and notes from calls with lender representatives. 
Sought resolution in good faith, despite the absence of a valid lien and after the consumer no longer had legal ties to the asset.

Actions ( or Lack Thereof ) by Navy Federal : Offered no valid solution or explanation when informed of the title change. 
Failed to acknowledge the removal of the consumers legal ownership or the absence of a lien. 
Continued to collect payments ranged between XXXX XXXX U.S Dollars without justification. 
Threatened repossession despite having no legal authority to do so. 
Imposed a post-charge-off payment plan without a written agreement. 
Provided no transparency or documentation regarding the legal status of the loan or their authority to collect. 

This pattern of responsible consumer conduct, met with lender indifference and coercive tactics, underscores the seriousness of the complaint and the need for regulatory scrutiny.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: FL

Complaint narrative:
Consumer Name : ( XXXX XXXX ) Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : (XX/XX/XXXXXX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
I previously submitted a dispute regarding a XXXX  XXXX XXXX account reporting on my Equifax credit file as a charge-off. Equifax responded that the creditor verified the account ; however, the account continues to report a CO ( charge-off ) status month after month including recent months. 

This creates the false and misleading impression that the account is currently delinquent, even though it is closed and no longer has a balance. This is damaging my credit score monthly and violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), which requires the information furnished to be accurate and not misleading.

I am requesting that Equifax either correct the historical payment reporting to reflect the true status or remove the account completely if they can not report it correctly. 

This is my second attempt to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Account LVNV FUNDING LLC # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation