vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: PA

Complaint narrative:
I recently viewed my credit report and noticed several late payments that shouldn't be on there because I was never late. I always paid on time or within the grace period, and I was never notified of any past due balance. These late marks are inaccurately reporting and causing harm to my credit profile. I contacted the company and requested proper documentation to validate the delinquency, but they failed to provide any proof that I was actually late or that proper billing and notice procedures were followed.

Under the Fair Credit Reporting Act, furnishers are required to report accurate and verifiable information. Im requesting that these late payments be fully investigated and permanently removed if the creditor can not prove their accuracy. This complaint is being filed directly by me, the consumer.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently viewed my credit report and noticed several late payments that shouldn't be on there because I was never late. I always paid on time or within the grace period, and I was never notified of any past due balance. These late marks are inaccurately reporting and causing harm to my credit profile. I contacted the company and requested proper documentation to validate the delinquency, but they failed to provide any proof that I was actually late or that proper billing and notice procedures were followed.

Under the Fair Credit Reporting Act, furnishers are required to report accurate and verifiable information. Im requesting that these late payments be fully investigated and permanently removed if the creditor can not prove their accuracy. This complaint is being filed directly by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: IN

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days.

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally, 15 U.S.C. 1681b states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of these accounts, and there is no signed contract or consent from me that justifies their inclusion in my credit report.

Therefore, the continued presence of these accounts constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that these accounts be blocked and deleted immediately from my credit report and that they no longer be reported in any manner.

I have contacted Experian on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage.

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report these accounts on my credit file.

I have also requested copies of any contracts related to these accounts from the companies reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information.

I respectfully request that you assist me by removing these accounts 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 explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
According to the law 15 USC 1681c-2 it is illegal to report anything on my credit report without my knowledge. Please remove this inaccurate account off of my credit report. Account Number : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
We recently sold our home and received a cashier 's check from the closing company for {$690000.00}. We deposited the check in a Chase branch on XX/XX/XXXX into our Chase checking account. Chase put a hold on the entire amount until XX/XX/XXXX. Several attempts to get Chase to release the funds or explain the reason for the hold were unsuccessful. We have provided details of the closing company and the bank that issued the check. The closing company shared documentation that the deposited amount has left their account. Chase won't release the funds or explain the reason for the hold. There seems to be no discernable reason for any reasonable doubts that the check won't clear if it hasn't already. An 11 day hold seems highly excessive. Chase indicated that they did receive information they had requested from the issuing bank but still didn't release the hold after receiving the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
The FDCPA forbids the unjustified activities that this debt collector has engaged in. I didn't sign an agreement with them, and they provided this account, which we didn't agree upon. I did not take part in the signing of any formal contracts, which are signed by two parties. The correct five-step validation process was not followed by them. I am entitled to compensation under the FDCPA for these offenses, and it is obvious that they misused my privileges and infringed my rights. I demand the immediate removal of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. They are mixed, fraudulent information that Ive never authorized or benefited from. These errors are causing me a lot of stress and its affecting everything. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Get this fixed immediately and confirm that you have removed all these fraudulent transactions and account from my credit report ASAP.

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 2025-07-21 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: TX

Complaint narrative:
I, XXXX XXXX, have disputed numerous unverifiable collection and charge-off accounts with Experian. Despite providing formal written disputes, Experian continues to mark these accounts as " verified '' without any original documentation or proof from the data furnishers ( including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX ). These furnishers have not proven ownership, have not provided contracts bearing my signature, nor have they shown a legal chain of custody.

I also requested removal of incorrect personal information ( names, addresses, employer info ) and suppression of data sharing. Experian refused to delete unverifiable negative items, violating my rights under : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) failure to reinvestigate 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) failure to remove unverifiable data 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) failure to disclose method of verification Metro 2 Compliance Standards Regulation F and Texas Business & Commerce Code 20.06 Experian has willfully failed to ensure the maximum possible accuracy of my credit file, and continues to harm my creditworthiness by reporting debt that is unproven.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> Loan Depot XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
I recently reviewed a copy of my credit report and noticed an account that appears to be fraudulent. I am requesting that this account be removed from my credit report, it is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
My car was repossessed XXXX week of XXXX I was told a certain amount had to be paid to get my car back on that same day by Kia Finance which I paid all the fees and got my car back which everything was on a recorded line then a month later a flatbed fee was added to my account without my knowledge and I was given no notice no nothing I wasnt told that from the beginning which again all was said on a recorded line their explanation makes no sense and refuse to take it off

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 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XXXXCOLLECTION APPEAR ON MY CREDIT REPORT.... UNKNOWN CREDITOR... IDENTITY FRAUD  XXXXLVNV FUNDING XXXX XXXX XXXX XXXXLVNV FUNDING XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I attempted to take part in a campaign by Wells Fargo bank whereby if I had a direct deposit of more than {$1000.00} as a new client and the account remained open for a 90 day period, I would be eligible for a {$350.00} cash rebate. 30 days into the campaign, I contacted the bank to determine whether the promotional credit had been applied to the account correctly, I was advised by the call center agent that they did not see where the account was part of the campaign. The call center agent that I spoke with, instructed me to go to the branch, that system errors occur and promo codes are not correctly added to account, the banking center would have to make the correction for me. I went to the local banking center, as instructed, I visited with the banking center manager, who said that this happens regularly, and he put in a work request to have the promo code associated to my account per the campaign rules. Approximately three weeks later, I received a letter from Wells Fargo stating that they were not going to honor the promotional credit because the promotional code was not passed over systematically on account opening. More than one person at Wells Fargo has admitted the system errors occur on their side, two people have agreed that I did open the correct account, make the correct deposit, and the account remain remained open for the correct period of time. Wells Fargo is willfully trying to get out of paying the promotional credit that they owe as part of their marketing effort.

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 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Galaxy Capital Acquisitions, LLC
State: FL

Complaint narrative:
Request for Assistance Debt Validation and Communication Issues with Galaxy Purchasing LLC Dear Agency, I am reaching out to request assistance regarding an ongoing issue with Galaxy Purchasing LLC, who contacted me over a month ago regarding a debt they claim is related to an old XXXX account. 

On XX/XX/year>, I sent a certified letter formally requesting a Debt Validation Notice, as per my rights under the Fair Debt Collection Practices Act ( FDCPA ). According to USPS tracking, the letter was received by Galaxy Purchasing. As of XX/XX/year>, I have not received any response. 

Since then, I have attempted to contact Galaxy Purchasing multiple times using various phone numbers I was able to find. Unfortunately, no one has answered, and I have not been able to leave a voicemail, as the phone systems appear to be inactive or full. 
Given the age of the alleged debt and the lack of proper communication or documentation from Galaxy Purchasing, I am concerned that this may be a violation of my consumer rights. 

I would appreciate any guidance or assistance you can provide. The best way to contact me is via email at : XXXX, as I am unable to use my phone during work hours. 

Thank you for your time and attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute and request the immediate removal of an unauthorized credit inquiry that appears on my credit report.

The inquiry in question is listed as : Company Name : XXXX  Inquiry Date : XXXX, 2025 I did not authorize this company or any of its representatives to perform a credit inquiry, nor have I applied for credit with them. Under the Fair Credit Reporting Act ( FCRA ), only entities with a permissible purpose and my explicit consent are allowed to access my credit file.

This unauthorized inquiry is negatively impacting my credit score and does not reflect any action on my part. I kindly ask that you investigate this matter, remove the inquiry from my credit report, and provide written confirmation once the removal has been completed.

Thank you for your attention to this matter. Please do not hesitate to contact me if you need any additional information to support your investigation.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I setteled my account with XXXX XXXX XXXX  for {$260.00} the total balance was {$670.00}. on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX updated my credit report to reflect that my balance decreased by {$260.00} from {$670.00} to {$400.00}. XX/XX/year>XXXX XXXX XXXX reported that my balance went from {$400.00} to {$0.00}. My credit report should have been updated on XX/XX/year> as setteled paid for less. also my payment history was changed to unknow which is also incorrect information. Due to the incorrect reporting of this account it needs to be removed from all of 3 credit bureaus.

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 2025-07-22 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: OH

Complaint narrative:
I setteled my account with XXXX XXXX XXXX  for {$260.00} the total balance was {$670.00}. on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX updated my credit report to reflect that my balance decreased by {$260.00} from {$670.00} to {$400.00}. XX/XX/year>XXXX XXXX XXXX reported that my balance went from {$400.00} to {$0.00}. My credit report should have been updated on XX/XX/year> as setteled paid for less. also my payment history was changed to unknow which is also incorrect information. Due to the incorrect reporting of this account it needs to be removed from all of 3 credit bureaus.

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 2025-07-21 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: TX

Complaint narrative:
My complaint is for Experian business. They reported a installment loan from credit strong, to my XXXX XXXX  account. I lost XXXX points to my business credit profile and my pre approval of my XXXX XXXX Experian report a XXXX without filling out where it came from, phone number, or account number to track this XXXX. With the screenshot from XXXX it was a dead-end to figure it who and where it came from. I go to Experian business website to try and dispute it but im unable to dispute it because I dont have a account and they are trying to make me buy a monthly service to do so. The I tried calling them multiple times but alway got a robot that only gave me 2 options and would hang up on me. After talking to credit strong again the said they didnt and dont report like that. That loan was sent in a bank account that i couldn't touch. I could opt out at any time and that load would be paid back. They even gave me my XXXX. XXXX that was supposed to be non negotiable fee. They said that I should dispute this and wont contest it. Experian business reported with the intent to cause harm and retaliation on a ongoing complaint. Once again showing that Experian business and Experian are not reporting fair and accurate credit reporting. Causing serious problems and damage to my future and my family.

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