vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX has violated the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ), by failing to conduct a proper reinvestigation and continuing to furnish inaccurate and incomplete information to TransUnion. 

On XX/XX/XXXX, I disputed the completeness and accuracy of the XXXX XXXX account reporting with TransUnion. The investigation was completed on XX/XX/XXXX. Upon reviewing the investigation results and updated report, the following inaccuracies and inconsistencies remain : ( XXXX ) The date updated does not coincide with the time frame of the investigation. TransUnion shows that the account was last updated on XX/XX/XXXX, which predates the XX/XX/XXXX dispute and the XX/XX/XXXX completion. This reflects that the furnisher failed to properly verify and update the account information in compliance with FCRA 623 ( a ) ( 2 ) and 611 ( a ) ( 6 ). 

( XXXX ) The last payment made does not coincide with the payment history. XXXX XXXX furnished that the last payment was made on XX/XX/XXXX, while the payment history shows the last payment occurred in XX/XX/XXXX, with XXXX and XX/XX/XXXX listed as unknown. This inaccuracy violates FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information known or that should be known to be inaccurate. 

( XXXX ) The date closed does not coincide with the payment history. XXXX XXXX reported that the account was closed on XX/XX/XXXX. However, the payment history does not confirm this information, and the months of XXXX and XX/XX/XXXX are reported as unknown. Furnishing a closure date without proper verification violates FCRA XXXX ( a ) ( XXXX ) and XXXX ( b ), requiring furnishers to ensure the maximum possible accuracy of the information provided to credit reporting agencies. 

XXXX XXXX  failure to accurately update and verify this information after a formal dispute demonstrates a clear violation of the Fair Credit Reporting Act.

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 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: DE

Complaint narrative:
This is new complaint about the Discover response to my previous complaint under # XXXX in which they fraudulently claimed that " ... the DIRECTPAY FULL BALANCE transaction that posted to your Discover Credit Card account ending in XXXX for the amount of {$130.00} on XX/XX/year>, was returned on XX/XX/year>, due to external account being listed as closed by the external financial institution. '' This is an outrageous lie. There were none of any transactions on XX/XX/year>. Moreover, there is no any external financial institution '' because all " institutions '' are Discover bank!!! I always ask for Cash bonus on phone and their claim that I did not enroll before is another lie! I am not going to use any of my Discover bank account and actually are making plans to close all my and my husband 's accounts with Discover!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
My Apple Credit card had {$2800.00} fraudulent charges on it and several other credit cards and my XXXX account were also fraudulently charged with multiple charges about a year and a half ago, XXXX and XX/XX/2024. I immediately contacted Apple and Goldman Sachs and all of my other credit card companies, and XXXX to report the charges. All of my credit cards and XXXX credited those charges except Apple and Goldman Sachs. Apple closed my account and I had to create a new account and since I have had to create a new account I can no longer get into my Goldman Sachs account because it is linked to my old Apple account. Goldman Sachs reports they can not close my account and open a new account with my new Apple account so there is now no way I can access my account online to manage and monitor it. GOLDMAN SACHS filed a dispute on my behalf on the charges but came back a few weeks later they responded they could not find any evidence of fraudulent charges. I have filed many disputes since then only for them continue to say show us proof that these were fraudulent charges. The only proof I have are the charges on the card. I have called and spent hours with both Apple and Goldman Sachs trying to get this resolved with no resolution. Initially I went through Apple who stated that Goldman Sachs has to credit the charges and Goldman Sachs would say Apple should credit the charges. Most recently Apple has told me that when I initially called to report the fraudulent charges their customer support should have reversed the charges but they can not do it now because it has been over a year and after a year they can not do anything about it. Goldman Sachs will not even allow me to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
XX/XX/year>. I received a text message from Resurgent Debt Collector at XXXX XXXX  CST. Which is in violation due to it being after XXXX XXXX  CST

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I bought XXXX and tried to withdraw and I got an email saying my account is under routine review and it would be completed in 3 days. I got a message from support and sent over the documents they required. It has been more than 3 days and my account is still on hold and I havent heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
On XX/XX/XXXX, I purchased a rebuilt-title XXXX XXXX XXXX ( XXXX XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX The vehicle was financed through Mountain America Credit Union. 

After reviewing the contract, I discovered that the dealership added {$530.00} in extra products ( XXXX XXXX XXXX  - {$330.00} and XXXX XXXX XXXX - {$200.00} ) into the amount financed without my knowledge or consent. These charges were not itemized in the Truth in Lending Act ( TILA ) disclosures or the Itemization of Amount Financed as required under 15 U.S.C. 1638. 

On XX/XX/XXXX, I sent a written demand for contract rescission to XXXX XXXX Mountain America Credit Union, and the Arizona Attorney Generals Office. I requested : Full rescission of the retail installment contract Refund of my {$2000.00} down payment and monthly payments made Written confirmation to Mountain America Credit Union to stop all negative credit reporting and cancel the loan XXXX XXXX responded on XX/XX/XXXX and XX/XX/XXXX but did not address the TILA violations. They only offered to cancel XXXX and XXXX coverage. They refused to rescind the contract or return any funds. Mountain America did not pause the loan, continued billing, and has not acknowledged my dispute. 

On XX/XX/XXXX, I submitted a formal complaint to the Arizona Attorney General Consumer Protection Division ( Confirmation # XXXX ). 

I am requesting that Mountain America : Place the auto loan in formal dispute status Pause all collection activity and negative credit reporting Cooperate with the Arizona Attorney General 's investigation into contract rescission Refund all payments if the contract is voided I have made payments from XX/XX/XXXX through XX/XX/XXXX but do not currently have access to full statements. I will provide payment history once my bank provides it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: CA

Complaint narrative:
I am submitting this formal complaint due to serious reporting violations and unauthorized actions appearing on my credit report that have caused me financial and emotional distress. I have attempted to resolve these issues directly with the furnishers and credit bureaus, but they have failed to correct the inaccuracies as required by law. I am now requesting that the CFPB conduct a full investigation into these matters under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

XXXX XXXX XXXX High Balance : {$2400.00} | Date Opened : XX/XX/XXXX | Status : Charge-Off This account shows a charge-off, yet no valid proof or original contract has been provided confirming I owe this debt. Reporting unverifiable charge-offs violates FCRA 607 ( b ) and 611 ( a ). Because no documentation proves ownership or accuracy, this account must be deleted from my report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Late Payment This account is showing a late payment without any verifiable proof. XXXX failed to provide documentation of delinquency or consumer authorization. Reporting unverifiable data violates XXXX ( b ) and XXXX ( a ). Delete this entry immediately. 

The repeated failure to verify accurate information and the unauthorized access to my credit file have caused damage to my credit profile and violated multiple provisions of federal law. I am requesting that the CFPB investigate these entities, ensure deletion or correction of all inaccurate information, and take enforcement action for these violations. I also request that provide complete documentation of any alleged authorization or proof supporting their reporting or inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: Central Portfolio Control Inc.
State: FL

Complaint narrative:
Central Portfolio Control XXXX XXXX False Verification of Unvalidated Debt & Willful FCRA/FDCPA Violations Summary / Issue : Central Portfolio Control ( CPC ) continues to report an account that has never been legally validated. TransUnion recently closed my dispute as verified as accurate and updated, yet CPCs own response to me and the CFPB contained no contract, no signed agreement, no chain of title, and no proof of ownership or assignment. 

XXXX  accepted CPCs electronic response through the e-OSCAR system without any independent review of evidence a clear failure to conduct a reasonable reinvestigation under federal law. 

Statutory Violations : FCRA 602 ( a ) Neglect of Congresss mandate for maximum accuracy.

FCRA 607 ( b ) Duty to maintain maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation.

FCRA 611 ( a ) ( 5 ) ( A ) Failure to delete or correct inaccurate data after dispute. 
FCRA 623 ( a ) ( 1 ) ( A ) CPC furnished information known to be inaccurate.

FCRA 623 ( b ) Furnisher failed to investigate and report results accurately.

FDCPA 807 ( 2 ) ( A ) False representation of the character or legal status of a debt.

FDCPA 807 ( 8 ) Communicating false credit information to a CRA.

FDCPA 809 ( b ) Continuing collection without proper validation.

This pattern of conduct shows a reckless and willful disregard for federal consumer protection laws under FCRA 616617 and FDCPA 813. 

New Evidence/ Not Duplicate : Attached is XXXX XX/XX/year> Verified as Accurate and Updated notice and CPCs own prior correspondence showing the lack of any legally binding documentation. This contradiction proves a fresh violation and continuing harm, not a duplicate case.

Requested Resolution : 1 Immediate deletion of all CPC tradelines from XXXX XXXX XXXX XXXX. 
2 Production of the Method of Verification and full chain-of-title records.

3 Referral to the Minnesota Attorney General ( for CPCs jurisdiction ) and the Florida Attorney General ( for my state residency ) for joint enforcement.

4 Cease-and-desist from any reporting or collection activity until lawful validation is produced.

5 Statutory, actual, and punitive damages for willful non-compliance, plus injunctive relief to remove unverified data from all CRAs.

Not Duplicate : This filing contains new XXXX investigation results and new contradictory evidence not included in any previous CFPB case. It documents an ongoing and independent violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX Account number : XXXX -- {$1000.00} - Date Opened : XX/XX/XXXX XXXX XXXX Account number : XXXX - Date Opened : XX/XX/XXXXXXXX XXXX Account number : XXXX - Date Opened : XX/XX/XXXXXXXX XXXX XXXX Account number : XXXX -- {$19000.00} - Date Opened : XX/XX/XXXX XXXX  Account number : XXXX -- {$4800.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account number : XXXX -- {$4100.00} - Date Opened : XX/XX/XXXXXXXX XXXX Account number : XXXX -- {$5900.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Dear CFPB Representative, I am writing to file a formal complaint and request an investigation into inaccurate student loan information being reported on my credit file by the furnisher associated with Account Number XXXX. Despite previous attempts to resolve this matter with both the creditor and the credit reporting agencies, the inaccurate reporting remains, and I am requesting that the Consumer Financial Protection Bureau intervene to ensure full compliance with the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 


Account Number : XXXX Type of Account : Student Loan The account does not belong to me or was fraudulently opened. 

The reporting furnisher failed to verify the accuracy of the data as required by FCRA 611.

Under Sections 609 and 611 of the Fair Credit Reporting Act, I am formally requesting that this inaccurate information be investigated, verified, and permanently deleted from my credit reports if it can not be substantiated with verifiable documentation. Failure to correct or remove unverified information constitutes a violation of federal law and may subject the furnisher to penalties. 

Please provide written confirmation that this complaint has been received and is being reviewed. I request that your office compel the reporting entity and the credit bureaus to remove or correct this account to ensure my consumer credit file is accurate and compliant with federal regulations. 

Thank you for your time and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
XXXX XXXX XXXX was transferred to my checking without authorization it was my rent money. They refuse to fix it because they say the automatic feature is in the packet after I opened the account. I was not clearly informed of this information, there was no click the button to authorize automatic transfer they started its in a welcome packet they took the rent money from a single mother with an autistic child, I dont get support whatsoever and they refuse to do anything about it only to make sigh a form saying I dont want something that I never knew about. Under Regulation E, I did not authorize this electronic transfer. They are refusing to reverse the transaction which can lease me and my child homeless. A chat lady said she would fix it and then turned around and said no.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My bankruptcy was dismissed, but the credit report still reports that the information is correct. Since the bankruptcy was rejected, please remove this information from the credit report.

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 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX money fears taken from me out of my Cash App. {$750.00}. 
I called and reported the fraud and they said there was nothing they could do. 
Prior to calling I filed a police report to help my case, unfortunately Cash App did not care. 
DONT USE CASH APP, THEY DO NOT HELP WHEN THINGS HAVE BEEN STOLEN FROM YOU. 
This has left me completely broke and unsure how Im going to even pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In regards to my complaints submitted on XX/XX/year> COMPLAINT ID : XXXX There was no proof of any information provided in the complaints within 30 days and now violates my consumer rights under laws 616 and 617 of the Fair Credit Reporting Act and should now automatically, immediately be DELETED/REMOVED from my credit report by ALL bureaus. Failure to comply will result in my attorney getting involved.

A copy of the written authorization with my signature. If no valid proof exists, these inquiries must be deleted immediately. Failure to comply within 30 days will constitute violations of 616 and 617 of the FCRA, subjecting Experi
an LLC to potential statutory damages. Please find attached proof of my identity and current address for verification. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am formally disputing the Apple Card GS Bank USA account reporting on my credit file. This account is not mine and is the result of a data breach where my personal information was compromised. I received notice that my information was exposed in a confirmed data breach, which has led to unauthorized accounts being reported under my name. 

Despite multiple disputes and validation requests, Apple Card GS Bank USA has failed to provide documentation verifying the accuracy or ownership of this account. I have repeatedly requested validation, including a signed contract, itemized statement, proof of assignment, and verification procedures, but have received no such evidence. 

Furthermore, XXXX XXXX XXXX XXXX have also failed to properly investigate or verify this account as required under : 15 USC 1681i ( a ) ( 1 ) duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) duty to provide the consumer with a description of the verification process 15 USC 1692g validation of debts 15 USC 1692e ( 8 ) prohibition of reporting information known to be false The continued reporting of this unverifiable and fraudulent account violates these provisions and has caused me significant hardship, including denial of services, credit opportunities, and emotional distress. 

I have also filed complaints with the FTC and XXXX  regarding this fraudulent activity. I am requesting that the CFPB investigate this matter, compel Apple Card GS Bank USA and the credit bureaus to provide full verification or immediately remove this fraudulent account from my credit reports to restore the accuracy and integrity of my consumer file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XXXX, Venmo permanently deactivated my account without providing a clear explanation. I received a standard message saying the account was restricted due to risk, but Venmo did not identify any disputes, chargebacks, unauthorized transactions, or law enforcement requests related to my account. There have been no claims made against these funds.

My account currently has a positive available balance of {$130.00}. I requested release of these funds, and Venmo refused, stating they may hold the funds for up to 180 days. They did not show any actual reason that would legally justify withholding my money. 

I am requesting assistance in having my funds returned to me.

Company response to consumer: Closed with non-monetary relief