vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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:
XXXX FUNDING Date XXXX Account XXXX Account Balance : {$450.00} I am writing to dispute the above-referenced debt, as permitted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I request validation of this debt, as I do not recognize it or believe it is not mine.

Specifically, I request that you provide : 1. Proof of the original contract or agreement.

2. A detailed account statement showing all charges and payments.

3. Evidence of your right to collect this debt.

I also request that you : 1. Cease all collection activities until you provide the requested validation.

2. Notify the credit reporting agencies to remove this account from my credit report, if it has been reported. 

If you fail to comply with this request, I will consider it a violation of the FDCPA and will take all necessary actions to protect my rights.

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 2025-11-25 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: Credit Karma, LLC
State: MA

Complaint narrative:
Credit Karma offered me to apply for a credit card with no impact to my score. I applied and pay Pal ran a hard inquirie and never offered the pre approval as Credit Karma stated. Contacted Credit Karma about their false advertising to no avail. I was approved for the card but would not of accepted if given the chance. I believe Credit Karma is deceiving people into applying for credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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 am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago.

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence.

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

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 2025-11-25 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: MO

Complaint narrative:
I am submitting this formal dispute regarding the following accounts that appear on my TransUnion credit report. I believe the information is inaccurate and should be investigated as required under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : 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 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: IN

Complaint narrative:
TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Date : [ Insert Current Date ] My Only First & Last Name : XXXX XXXX My Only Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX The last XXXX of my SSN : XXXX My Only XXXX : XX/XX/XXXX Reason : Request to Describe Method of Verification To Whom It May Concern : I am writing regarding the following account you reported and marked as Verified : Disputed Account : Creditor : XXXX XXXX Account # ( as shown ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Reported : XX/XX/XXXX Status : Closed / Charged Off Balance : {$82.00} High Balance : {$380.00} Date Opened : XX/XX/XXXX This account is only reporting on TransUnion, and I previously disputed this account because the information is incorrect. I do not agree with the results of your investigation. Under FCRA Section 611, I am demanding your method of verification for this account.

Please provide actual proof of the investigation conducted, including : 1. The full name of the original creditor 2. The creditors address and phone number 3. The name of the individual you verified this account with 4. All documentation you used to verify and validate this account If you are unable to provide legally acceptable documentation supporting your verification, you must delete this account immediately from my TransUnion credit file as required under the Fair Credit Reporting Act.

Failure to provide this information will result in formal complaints being filed with : - Consumer Financial Protection Bureau www.consumerfinance.gov/complaint - Federal Trade Commission www.ftccomplaintassistant.gov - Better Business Bureau www.bbb.org This letter will also be used as evidence in pending litigation should you fail to comply with federal law.

Under FCRA 611, I am requesting this information to confirm accuracy, completeness, and proper investigation procedures. If you can not supply the requested verification, you may reopen the dispute and conduct a lawful reinvestigation.

I expect a timely response outlining the steps you will take to resolve this matter. If I do not receive a proper response, I will pursue my rights under FCRA 616 for willful noncompliance.

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 2025-11-25 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: FL

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I submitted a written debt validation request to XXXX Collections XXXX regarding an alleged rental debt. Since that request : XXXX. They have contacted me repeatedly, including emails and phone calls, asking for personal information such as my account number and Social Security number, without providing validation. 
XXXX. They have failed to provide the legally required validation documents, including : XXXX of the original lease Itemized ledger of charges XXXX of ownership or assignment Move-out inspection report XXXX. They have continued collection activity after my validation request, including requesting additional information. 
XXXX. They are reporting and updating this account, including changing the balance, without providing validation. 

Attached is a screenshot showing the account being updated after my XX/XX/XXXX validation request. This demonstrates ongoing violations of FDCPA 809 ( b ) and FCRA 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: PA

Complaint narrative:
I am submitting this rebuttal because Edfinancials response is incomplete and does not resolve my dispute regarding the accuracy of the student loans being reported in my name.

1. I did not request FDCPA debt validation I requested FCRA verification.

Edfinancials response states they are not a debt collector and therefore they do not need to respond to a debt validation request.

This is not what I requested.

My dispute is filed under the Fair Credit Reporting Act ( FCRA ) not the FDCPA.

As a furnisher of credit information, Edfinancial is obligated under FCRA 623 to : Conduct a reasonable investigation Provide documentation supporting the accuracy of the information Delete any information that can not be verified They did not do this.

Their response only restates internal system information, which does not satisfy verification requirements under FCRA.

2. I attended the school, but I did NOT authorize, accept, or receive these loans.

Attending the school does not prove that I : accepted the loans authorized the loans signed for the loans received any loan disbursements Edfinancial has provided no documentation from Delaware Valley University showing : acceptance of the loans financial aid award acceptance refund disbursement to me my acknowledgement of the loan terms any correspondence confirming my authorization Without this documentation, the loans remain unverified under FCRA.

3. A signed Master Promissory Note ( MPN ) alone does not verify loan acceptance.

An MPN is a blanket document and does not confirm that I accepted these specific loans.

FSA records can become compromised, and an electronically signed MPN does not prove I authorized each disbursement.

Edfinancial has not produced : loan award acceptance records FSA ID login logs IP address or authentication data disbursement notifications sent to me school financial aid documentation tying me to the loan actions Without this, they can not prove these loans are mine.

4. If Edfinancial can not verify the loans with actual supporting documentation, they must delete them.

Under FCRA, a furnisher can not continue reporting a loan that : can not be fully verified can not be tied to the consumer lacks acceptance or authorization records Edfinancial reviewed no external documentation and only repeated information already in their system. This does not meet the standard of a reasonable investigation. 

Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: AL

Complaint narrative:
b'I am writing as a consumer to dispute several inaccuracies on my Equifax credit report. I request that these accounts be thoroughly investigated and corrected or removed if they cannot be verified. The accounts in question are listed below:\n\nCharged-Off Accounts:\n\nXXXX XXXX XXXX Account: 4XXXX XXXX XXXX XXXX  Reported: XXXXXXXX AccountXXXX XXXX Reported: XXXXn\XXXX XXXX XXXX XXXX XXXX  Reported: XXXXn\nLate Payment Accounts:XXXX XXXX XXXX XXXX Account: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI dispute the accuracy of these accounts and request verification in accordance with the Fair Credit Reporting Act (FCRA). If the information cannot be verified, I request that it be removed from my credit file.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — USDA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
I was trying to pay off {$4400.00} that I had acquired due to a major HARDSHIP. I contacted Carrington Mortgage company about my FHA/VA/RHS loan and talked to a loan Specialist. They gave me the run around for 1 hour. After the numerous repeated information that I told them I already had, I asked to talk to another person who could move this along faster. They told me that there is NO WAY to talk to another person and the information that they gave me is the only information that they have. 

I called the number XXXX for XXXX weeks from XX/XX/year> till present ( XX/XX/year> ). I left multiple messages and all my contact information and still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was a victim of identity theft in XXXXXXXX XXXX XXXX  while a customer of Chase bank. I was actively on the phone with the fraud department requesting that they secure my account and,, while on the phone, they allowed several more transfers to occur. Chase responded by arbitrarily closing my account after I specifically asked them to refrain from such action. Chase bank held onto my remaining funds for several weeks prior to retuning it to me. 
This morning at XXXXXXXX XXXX I contacted Chase bank customer service to obtain either a letter in hard copy via XXXX mail service OR an email verification that my account was closed in XXXX due to fraud. That is all. Verification.

I contacted customer support who forwarded me to a representative from the fraud department, who sent me back to customer service. That representative sent me into a branch and that representative refused to assist. I called the branch manager and he was rude and condescending and would not answer my question when I asked who was over him. He indicate4d that he did not have any supervisor or alternative person in charge of him. I then called customer service again and a young man named XXXX put me on hold and was going to get the requested information emailed to me and while I was on hold another representative came on the phone and the process started all over and she put me on hold, only to return and tell me to go back into a branch. I am now almost two hours into trying to get this and havent received any information. 
I NEED THIS STATEMENT FOR LAW ENFORCEMENT!!!! 
How can I obtain this information?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: OH

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
I am writing to dispute the accuracy of the following accounts appearing on my credit reports, as they contain errors and discrepancies. I request that the listed accounts be investigated and corrected according to the guidelines set forth under the Fair Credit Reporting Act ( FCRA ). Below is a detailed list of the accounts that are being disputed : 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 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 non-monetary relief
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
These accounts do not belong to me and should be taken off within 15 days under USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
I am not tied to these accounts, and they need to be deleted within 15 days pursuant to USC 1681g.

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 2025-11-25 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My wife and I are going through a divorce, and my wife drained our bank accounts. I then opened a new account in only my name in order to protect my finances from her. My wife then called Chase bank on XX/XX/year> and gained access to my new account. My wife provided my SSN and DOB to Chase, and Chase gave her access to my account, despite it clearly not being me calling in ( female voice vs male voice ). Chase gave her my balance and recent transaction information, and may have given other information to her as well. My wife is not listed on the account, is not a joint owner, and does not have permission to access the account. Chase should not have given her unauthorized access to the account. I only found out about this because on XX/XX/year> she attempted to access my accounts at XXXX XXXX as well, but they denied her access and emailed me to notify me of the failed account access attempt.

Company response to consumer: Closed with explanation