vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am following up regarding inaccuracies that continue to appear on my credit report despite my previous disputes. This is now my fourth request for correction, and I am seeking the immediate removal of items that are inaccurate, misleading, and harmful to my credit profile. 
XXXX accounts in particular are reported inaccurately. The first is a late-closed account with XXXX XXXXXXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, showing a XXXX balance. The second is a late-closed account with XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX also showing a XXXX balance. Both accounts are reported inaccurately and do not reflect their proper closure or status. Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), consumer reporting agencies must maintain information with maximum possible accuracy. FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) provides consumers the right to dispute inaccurate information and request a reinvestigation, and FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) requires furnishers to report accurate information. Since these accounts fail to meet these legal requirements, they must be removed from my credit report. 
Additionally, there is a charge-off with XXXX XXXX XXXX, account number XXXX XXXX XXXX showing a balance of {$14000.00}. This account is reported without the issuance of a 1099-C for a debt over {$600.00}, making it inaccurate and misleading under FCRA 607 ( b ). Unless proper validation and compliance documentation are provided, this account must be removed. 
My credit report also contains multiple unauthorized inquiries that I did not authorize, including : 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 XXXXXX/XX/XXXX The inclusion of these inquiries violates FCRA 619 15 U.S.C. 1681q, which prohibits obtaining a consumer report under false pretenses, as well as FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which limit access to consumer reports to permissible purposes only. Since these inquiries were not authorized, they must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
I am following up regarding inaccuracies that continue to appear on my credit report despite my previous disputes. This is now my fourth request for correction, and I am seeking the immediate removal of items that are inaccurate, misleading, and harmful to my credit profile. 
XXXX accounts in particular are reported inaccurately. The first is a late-closed account with XXXX XXXXXXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, showing a XXXX balance. The second is a late-closed account with XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX also showing a XXXX balance. Both accounts are reported inaccurately and do not reflect their proper closure or status. Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), consumer reporting agencies must maintain information with maximum possible accuracy. FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) provides consumers the right to dispute inaccurate information and request a reinvestigation, and FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) requires furnishers to report accurate information. Since these accounts fail to meet these legal requirements, they must be removed from my credit report. 
Additionally, there is a charge-off with XXXX XXXX XXXX, account number XXXX XXXX XXXX showing a balance of {$14000.00}. This account is reported without the issuance of a 1099-C for a debt over {$600.00}, making it inaccurate and misleading under FCRA 607 ( b ). Unless proper validation and compliance documentation are provided, this account must be removed. 
My credit report also contains multiple unauthorized inquiries that I did not authorize, including : 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 XXXXXX/XX/XXXX The inclusion of these inquiries violates FCRA 619 15 U.S.C. 1681q, which prohibits obtaining a consumer report under false pretenses, as well as FCRA 604 ( f ) 15 U.S.C. 1681b ( f ) and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), which limit access to consumer reports to permissible purposes only. Since these inquiries were not authorized, they must be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I owed an amount to XXXX, I caught XXXX and lost my job and XXXX refused to honor the credit protection I signed up and paid for. They sold my debt to Midland Credit Management. I was harassed and contacted by them saying I would be sued if I did not pay the balance. I was forced into a payment plan. I noticed my balance wasn't going down over time. I did the math and realized they are charging me a ridiculous amount of interest. I feel like I'm being robbed. I want someone to help me with this issue. I should have been paid off a long while ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

This is a formal complaint against APPLE CARD/GS BANK USA 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 ( attached ) 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. 

APPLE CARD/GS BANK USA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im asking transunion to delete any information which is inaccurate or incomplete so it doesn't get reported in my report! It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit report, The information in my credit report is wrong! It was never proven to be factual.The following account allegations are untrue, unverified and incorrect. Please remove them immediately! Below is a summary of the data in which I am challenging : XXXX XXXX XXXX XXXX {$730.00}, I have already sent MANY LETTERS!! Im going to upload all the proof below.

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 2025-09-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX request for account blockage and deletion in 4 days due to data breach. dear experian, equifax and transunion team, im wrtiting you formally requestimg blockage of all accounts associated with my personal information due to recent data breach. credit card ( XXXX XXXX XXXX ) balance {$4000.00} ( XXXX XXXX XXXX XXXX ) balance {$1200.00} inquiries XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This request is made accordance with several provisions of fair credit reporting act 15Usc1681c-2 ( a ) 15usc1681g ( a ) 15Usc1681n15usc1681m.please confirm these reciepts of this letter and provide written confirmation of the actions taken regarding my accounts i would appreciate aupdate on any measure you are implementing to protect my information. thanks i look forward to your response in 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX request for account blockage and deletion in 4 days due to data breach. dear experian, equifax and transunion team, im wrtiting you formally requestimg blockage of all accounts associated with my personal information due to recent data breach. credit card ( XXXX XXXX XXXX ) balance {$4000.00} ( XXXX XXXX XXXX XXXX ) balance {$1200.00} inquiries XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This request is made accordance with several provisions of fair credit reporting act 15Usc1681c-2 ( a ) 15usc1681g ( a ) 15Usc1681n15usc1681m.please confirm these reciepts of this letter and provide written confirmation of the actions taken regarding my accounts i would appreciate aupdate on any measure you are implementing to protect my information. thanks i look forward to your response in 4 days.

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a lot of collection I have XXXX off I want this company help me to fixe that please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: IL

Complaint narrative:
Company gave me car with {$4000.00} down payment drive off with paperwork signed company then calls me back a week later & says the bank rescinded the loan & if I wanted to keep car I would have to give them {$6000.00} more dollars for a down payment total of {$10000.00} on a car that was less than {$20000.00}? I felt like I had been strong armed & double crossed! XXXX XXXX XXXX if XXXX, Illinois is name of company & said bank is Westlake Financial out of XXXX, California

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am disputing the following accounts, which were opened in my name without my authorization : XXXX ( Account # XXXX, Balance {$610.00} ) XXXX ( Account ending XXXX, Balance {$850.00} ) These accounts are the result of identity theft / fraudulent activity. I have never authorized these accounts and am not responsible for any charges. 

Under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, consumer reporting agencies are required to block information resulting from identity theft. I am submitting my FTC Identity Theft Report as proof of the fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: OH

Complaint narrative:
I signed up for Chime using a bonus offer link, through which, upon receipt of a payroll direct deposit of {$500.00} or more within XXXX  days, I would receive a {$250.00} cash bonus. Additionally, purchases made on my Chime account would receive XXXX % cash back up to {$100.00}, for a total bonus of {$350.00}. I met all of the requirements of the bonus offer, including using the link to sign up and receiving the direct deposit. I also spent money using the account. I received no bonuses, so I contacted Chime via chat. After chatting for a while, the agent told me the offer hadn't been correctly applied to my account. I was then transferred to a supervisor, and was then told to call Chime. When I called Chime, the first agent with whom I spoke hung up on me after keeping me on a silent line for several minutes after saying she would be looking into my account. I called back immediately and spoke with an agent who told me I was eligible for the offer and they would transfer me to someone who could resolve the issue of the offer being incorrectly applied. I was placed on hold for about XXXX minutes before a supervisor picked up and promptly reversed course, telling me there was nothing they could do to fix the situation and accusing me of incorrectly using the link or not using it at all. I did use it and I did so correctly. The issue is on Chime 's end and they refuse to correct it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-09-16 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: CA

Complaint narrative:
SOOO HOW DO I START... I HAD MY INFORMATION STOLEN AND USED AND NOW SUDDENLY I AM A BAD PERSON. ON MY NAME THERE ARE NAMES OF BANKS I HAVE NEVER EVER HEARD! I CALLED THEM AND CLOSED ALL THE ACCOUNTS AND NOW I AM WRITING YOU BECAUSE OF THIS I AM READY TO END IT ONCE AND FOREVER. ALSO THE INQUIRES THAT ARE MADE ON MY NAME TO CHECK MY CREDIT FROM CERTIFIED CREDIT REP WHICH WAS MADE ON XXXX AND CERTIFIED CREDIT REP FROM XXXX. I HOPE THIS WAS ENOUGH INFORMATION FOR YOU TO ALSO TAKE ACTION FINALLY!!

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 2025-09-16 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: CA

Complaint narrative:
SOOO HOW DO I START... I HAD MY INFORMATION STOLEN AND USED AND NOW SUDDENLY I AM A BAD PERSON. ON MY NAME THERE ARE NAMES OF BANKS I HAVE NEVER EVER HEARD! I CALLED THEM AND CLOSED ALL THE ACCOUNTS AND NOW I AM WRITING YOU BECAUSE OF THIS I AM READY TO END IT ONCE AND FOREVER. ALSO THE INQUIRES THAT ARE MADE ON MY NAME TO CHECK MY CREDIT FROM CERTIFIED CREDIT REP WHICH WAS MADE ON XXXX AND CERTIFIED CREDIT REP FROM XXXX. I HOPE THIS WAS ENOUGH INFORMATION FOR YOU TO ALSO TAKE ACTION FINALLY!!

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 2025-09-16 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I rented a car from XXXX for one day on XX/XX/year>. The payment was prepaid, and I used my AMEX card only as the security deposit. When I returned the car the next day on time, the drop-off location had very limited parking. I had to wait about 40 minutes outside the lot before a staff member could process the return. Despite this delay being entirely due to XXXX  lack of space and staffing, I was charged an additional {$77.00} as an extra hour fee. 

I immediately called XXXX customer service, and the agent confirmed that a refund would be issued. The following day, I also emailed XXXX, and their team replied in writing, promising that the refund would be processed within 5 business days. However, I never received the refund. 

As a result, I filed a dispute with American Express. Unfortunately, AMEX closed the case after XXXX provided only the original receipt showing the {$77.00} charge, without reviewing or considering the email evidence from XXXX where they admitted and confirmed the refund. This outcome is unacceptable, as critical evidence was ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Carvana Group, LLC
State: NY

Complaint narrative:
Complaint Description On the date XX/XX/XXXX, I signed a contract with Carvana for a XXXX XXXX XXXX. It wasn't until I started to fall behind that I took a closer look at the contract and noticed that I was scammed. I was told by the servicer of the contract, XXXX, that the contract I signed was a daily interest loan contract of {$23.00} a day, which is problem XXXX. Nowhere in the contract does it state that or even that amount daily. Problem XXXX, after further looking over the contract, the XXXX oXXXX XXXX % does not equal to the finance being charged and does not even equal up to the payment of {$1000.00} a month as stated in the contract. Problem XXXX, the end amount of XXXX does not math if you go from the unpaid balance of cash price and work your way down from there, you will see the total amount is XXXX not XXXX. Problem XXXX, at the time I was getting the car I had a trade-in, and the trade cash value to me after paying off the bank for the car was {$8500.00}. now take the sales tax of {$1600.00}, plus silver rock {$2100.00}, plus paid to public officials XXXX plus another charge paid to siler rock of {$500.00} plus another charge not saying what for but {$1700.00} all that totals to XXXX XXXXXXXX leaves me with {$2200.00} if it was deducted from my trade-in instead it all was finance in the amount. The way this loan was structured was all wrong and suspect at best because none of this numbers add up. I am asking please just look at the contract. The whole contract violated the Truth-in-Lending Disclosure. Notice the dealer never discloses the actual price of the car he only diclose what the car is after adding taxes The dealer is not stating in the contract what the {$170000.00} is for. The dealer never disclosed this was a daily interest loan of XXXX a day. the contract states I can repay without penalty but the service provide XXXX states even if paying off the loan early the {$23.00} daily is in the payoff amount no where in the contract it states that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Subject : Final Notice Unresolved Billing Error Dispute ( 15 U.S.C. 1666 ) Intent to Pursue Legal Remedies To Whom It May Concern : This letter serves as my final attempt to resolve the ongoing billing error dispute on my account. 

Disputed Accounts : Late Payment ( Open ) 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 Background For the past three months, I have submitted three separate billing error dispute letters, each supported with my full identification and documentation, in compliance with 15 U.S.C. 1666 ( Fair Credit Billing Act ). Despite these efforts, you have not corrected the errors, nor have you provided lawful justification for continuing to report them.

Your Legal Obligations Under FCBA Acknowledge receipt of my billing error notice within 30 days.

Investigate and correct the error within two billing cycles ( not more than 90 days ).

Provide a written explanation of your findings, including all documents relied upon.

Your Failures To date, you have failed to : Provide a clear and lawful resolution ; Supply the documentation used to verify these accounts ; Correct the accounts despite being presented with evidence.

This constitutes ongoing violations of : 15 U.S.C. 1666 ( FCBA ), 15 U.S.C. 1681s-2 ( FCRA duties of furnishers ), and Applicable state consumer protection laws.

Company response to consumer: Closed with non-monetary relief