vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to conduct a proper reinvestigation and verify the accuracy and completeness of the information in my credit file, as required under the Fair Credit Reporting Act ( FCRA ) 609 and 611.

I submitted a written request for a full file reinvestigation, yet the bureau did not provide the required verification, supporting documentation, or proof that the reported information was confirmed by the original furnishers. As a result, I can not determine whether the information in my credit file is accurate, which violates my rights under federal law.

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc.
State: PA

Complaint narrative:
Im filing this complaint because National Credit Management is reporting a {$560.00} collection that they still have NOT validated, and the information theyre reporting doesnt even match across the credit bureaus. Ive disputed this more than once, and instead of sending real proof, they just keep updating the balance and ignoring the law. So let me break down everything thats wrong here : FCRA 623 ( a ) ( 1 ) ( A ) Reporting info they know is wrong The dates, the status, the activity none of it matches between bureaus. If they actually had records, this wouldnt be all over the place.

FCRA 607 ( b ) Not keeping maximum possible accuracy Nothing they are reporting lines up. Different dates, different statuses, different everything. That tells me they dont have real documentation.

FCRA 611 Not marking the account as disputed I disputed this with the bureaus AND directly with them, yet not all the bureaus even show it as disputed. Either they didnt forward my dispute, or National Credit Management didnt update it. Either way, its a violation.

FDCPA 809 ( b ) They never validated the debt I asked for validation and they never sent : a contract an itemized breakdown a payment ledger any proof they own this debt anything with my signature Nothing. They just kept reporting anyway.

FDCPA 807 Misrepresenting the legal status of the debt You can not legally report or collect on a debt you didnt validate. But theyre doing it anyway. 
Bottom line : theyre reporting a debt they cant prove, with data that doesnt match anywhere, and theyre ignoring disputes like they dont even exist. This account needs to be removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Upstart Holdings, Inc.
State: AZ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement.

This is a formal complaint against UPSTART NETWORK INC. a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

UPSTART NETWORK INC. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Issue : Apple Card ( issued by Goldman Sachs ) closed my account unexpectedly after a misunderstanding involving a TransUnion identity alert. 

What happened : My name is XXXX XXXX. My Apple Card account was unexpectedly closed today. I did not dispute the Apple Card account, nor did I claim fraud on this account. 

I recently disputed a single inquiry on my TransUnion credit report using normal FCRA wording ( not authorized ). This dispute was ONLY about that inquiry, not my Apple Card. 

It appears TransUnion may have added an identity-verification alert or similar flag because of the inquiry dispute. I believe Goldman XXXX automated system misinterpreted the TransUnion alert as a possible security issue. 

As a result, my Apple Card was closed without warning or explanation. Customer service was unable to provide details and told me the case was escalated for investigation. 

Impact : My card was brand new and in good standing. This closure was not related to any misuse, fraud, or dispute on my part. The sudden closure has caused confusion and unnecessary stress. 

What I am requesting : I respectfully request that Goldman Sachs manually review the closure, confirm there was no fraud or dispute involving the Apple Card, clear any misunderstanding caused by the TransUnion alert, and reinstate my Apple Card account after identity verification. 

I am fully available to verify my identity and provide any documents needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My bank account was given access to someone impersonating me, they moved money around in my accounts and had used my debit card to commit fraudulent transactions, the bank has not refunded me the money. I reported it immediately and found out that the person was denied access at first but attempted a second time to gain access to my account and instead of freezing my account they allowed that person into my account.

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 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
REQUEST FOR REMOVAL OF ILLEGAL REPOSSESSION REPORTING Consumer : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/year> SSN ( Last XXXX ) : XXXX Phone : XXXX Email : XXXX Subject : Immediate Removal of Unlawful Repossession FCRA 1681e ( b ), 611, 1681s-2 This complaint is regarding the inaccurate, unverified, and unlawful reporting of a repossession by Veros Credit XXXX 
Account XXXX : XXXX Violations : 1. Violation of FCRA 1681e ( b ) information reported is inaccurate and unverifiable.

2. Violation of FCRA 611 failure to conduct a reasonable reinvestigation.

3. Failure to provide legally required repossession notices.

4. Failure to mark the account as disputed in compliance with FCRA 1681s-2 ( a ) ( 3 ).

Requested CFPB Action : 1. Immediate deletion of the repossession account from all credit bureaus.

2. Full documentation proving lawful repossession, sale, and deficiency.

3. Written confirmation of all corrective actions. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/year>, I ordered a XXXX XXXX from Best Buy for {$520.00} ( Order # XXXX ), using my My Best Buy credit card. The order was placed for in-store pickup at the XXXX XXXX XXXX MI location under my name. 

On XX/XX/year>, I received a notification that the item was ready for pickup, followed shortly by another notification stating it had been picked up by an unknown individual, XXXX XXXX, at the Best Buy store in XXXX, NY. An additional charge of {$14.00} for a tax difference was also added without my authorization. 

I immediately contacted Best Buy, who directed me to Citi Bank ( the credit card issuer ). Citi Bank advised me to wait until the charge cleared and to file a police report. I filed a report with my local police department ( Report # XXXX ). Once the charge posted, Citi Bank opened a dispute ; only the {$14.00} tax difference was refunded. On XX/XX/year>, I was notified that the main dispute was denied. 

I provided further documentation as requested, but the dispute was again denied. Citi Bank then stated the issue was on Best Buys end and provided a Corporate Care number ( XXXX ). 

I contacted Best Buy Corporate Care on XX/XX/year> and was told the issue would be escalated to their back office ( Case # XXXX ). After no response, I called again on XX/XX/year> and was given a new case number ( XXXX ) due to incorrect dates previously entered. I was told we would 100 % get the refund and that I would receive an email within 24 hours. No email was ever sent. 

When I called again on XX/XX/year>, I was told there was nothing further they could do. 

I am filing this complaint because neither Best Buy nor Citi Bank will take responsibility for the fraudulent pickup and unauthorized charges, despite documented evidence and a police report. 

Citi Bank determined the charge was valid, but the murchant, Best Buy, completed the order to a fraudulent pick up location after my Best Buy.com account was hacked. The merchant refuses to issue a refund.

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 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I have been reporting to America First Credit union that the vehicle was filled with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fires, HAZMAT situations and wildfires. None of the adjusters assigned to all the claims on my vehicle triggered the gap or submitted the total loss paperwork. The adjusters were imposter XXXX adjusters AND I showed them all of the evidence within the branch. I looked up the branch manager, assistant manager and lead teller and they too were not licensed in the state of Arizona. 

They appear to be running a XXXX XXXX or money laundering scheme because they cant read and they dont appear to understand enough English. 

This is America First Credit Union in XXXX, AZ. 

I reported all their names to AZDIFI and AZ Attorney General and the police and the headquarters. 

They are shouting out social security numbers in the lobby of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: SC

Complaint narrative:
Square allowed a fraudulent withdrawal of {$6200.00} from my account after my Square account was hacked. I reported the issue to Square, but they refused to resolve it or escalate it to the proper fraud/security team. This was an unauthorized electronic fund transfer, and Square has not followed federal requirements to investigate or reimburse fraudulent activity. I am requesting that Square immediately investigate the unauthorized access and return my {$6200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My limit was reduced from {$2000.00} to {$250.00} without any prior notice and without a hard inquiry or any negative changes to my credit profile. 

I rely on this account for medical financing flexibility, and this reduction was unexpected and disproportionate to my account history. Furthermore, I was planning on using the credit limit for dental work in XXXX. I respectfully request a full manual review of my account with the goal of reinstating the original limit or restoring a reasonable portion of it. 

I take my credit obligations seriously and have a strong desire to maintain my account in good standing. Please advise on the next steps or any documentation you may need to support this request.

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 2025-11-14 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: SC

Complaint narrative:
I am formally disputing several inaccurate, unauthorized, and unverifiable entries on my TransUnion credit report. These errors are causing significant harm and must be corrected immediately. Under the Fair Credit Reporting Act ( FCRA ) 1681i, you are required to conduct a full reinvestigation and remove or correct all items that can not be verified with proper documentation. 

WRONG / UNAUTHORIZED ADDRESSES ( REMOVE IMMEDIATELY ) These addresses do not belong to me and must be deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address These are clear reporting errors and must be removed under FCRA 1681e ( b ).

LATE PAYMENT ACCOUNTS ( HISTORY IS WRONG I HAVE NEVER BEEN LATE ) These accounts are reporting false late payments. I dispute the accuracy and demand full correction of the payment history : XXXX XXXX XXXX XXXXXXXX, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX XXXX XXXX, Opened XX/XX/XXXX XXXX XXXX, Opened XX/XX/XXXX I never made any late payments on these accounts. The reported delinquencies are factually incorrect and must be updated to reflect accurate on-time history. 

CHARGE-OFF ACCOUNTS ( NO KNOWLEDGE DELETE ) These accounts are not mine, unknown to me, and can not be verified. Remove completely : XXXX XXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX I have no knowledge of these accounts. Delete them immediately under FCRA 1681c-2 ( a ). 

COLLECTION ACCOUNTS ( NOT MINE DELETE ) These collection entries are unfamiliar and unauthorized : XXXX XXXX XXXX XXXX, Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Opened XX/XX/XXXX I have no knowledge of these debts. Delete them immediately for failure to verify. 

UNAUTHORIZED INQUIRIES ( REMOVE IMMEDIATELY ) I did not authorize the following hard inquiries. They are fraudulent and must be deleted : 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 XXXXXX/XX/XXXX Under FCRA 604, unauthorized inquiries must be removed.

REQUIRED ACTIONS I demand : Removal of all wrong addresses Correction of all incorrect late-payment histories Deletion of all charge-off and collection accounts I have no knowledge of Removal of all unauthorized inquiries A written response confirming the reinvestigation results If any item can not be 100 % verified with original documentation, you must delete it immediately. 

Failure to comply will result in a CFPB complaint and further legal action as permitted by federal law. 

Thank you for your prompt attention.

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 2025-11-14 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 2025-11-14 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 2025-11-14 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: MD

Complaint narrative:
I see collection accounts on my credit report that I believe include incorrect details. Under my rights in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate. I am requesting that these items be reviewed, and if their accuracy can not be confirmed, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: Radius Global Solutions LLC
State: CA

Complaint narrative:
I am filing this complaint to request an investigation into inaccurate, outdated, and unverified negative accounts appearing on my credit report. I have attempted to address these issues directly with the credit reporting agencies and/or collection agencies, but the items remain unresolved. 

I believe the reporting of these items violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. These laws require credit bureaus and debt collectors to ensure that all reported information is accurate, verifiable, and compliant with federal standards. 

( XXXX XXXXXXXX ) Global Solutions Account XXXX XXXXXXXX No valid contract/Unverified and inaccurate reporting XXXX XXXX XXXX Account XXXX XXXX Reported beyond seven-year limit allowed under FCRA 605. 

XXXX XXXX Account XXXX XXXXXXXX Unverified and inaccurate reporting/ Unlawful Communication violation of FDCPA 1692c, including attempts to collect without validating the debt. 

According to 15 U.S.C. 1692c, I have the right to request that debt collectors cease communication and to challenge any false or misleading reporting. Under 15 U.S.C. 1681i, the credit reporting agency is legally required to investigate my dispute within 30 days and remove or correct any information that can not be verified.

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 2025-11-14 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: I.C. System, Inc.
State: CA

Complaint narrative:
I am filing this complaint to request an investigation into inaccurate, outdated, and unverified negative accounts appearing on my credit report. I have attempted to address these issues directly with the credit reporting agencies and/or collection agencies, but the items remain unresolved.

I believe the reporting of these items violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. These laws require credit bureaus and debt collectors to ensure that all reported information is accurate, verifiable, and compliant with federal standards. 

( XXXX XXXX XXXX XXXX XXXX  Account # XXXX No valid contract/Unverified and inaccurate reporting XXXX XXXX XXXX Account XXXX XXXX Reported beyond seven-year limit allowed under FCRA 605. 

XXXX XXXX Account # XXXX Unverified and inaccurate reporting/ Unlawful Communication violation of FDCPA 1692c, including attempts to collect without validating the debt.

According to 15 U.S.C. 1692c, I have the right to request that debt collectors cease communication and to challenge any false or misleading reporting. Under 15 U.S.C. 1681i, the credit reporting agency is legally required to investigate my dispute within 30 days and remove or correct any information that can not be verified.

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