vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 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: GA

Complaint narrative:
CFPB Complaint Explanation Issue Summary I am filing this complaint against multiple entities, including XXXX XXXX XXXX ( MCM ), XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, for the continued reporting of unverified debts and potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

Timeline and Actions Taken XX/XX/XXXX : An active Fraud Victim Alert was placed on my credit file, requiring creditors to verify my identity before extending credit. 

XX/XX/XXXX : Employment information was updated on my credit report, which led to unauthorized collection efforts directed toward my place of employment. 

XX/XX/XXXX : A legal case filed by XXXX XXXX XXXX XXXX XXXX ( as assignee of XXXX XXXX XXXX XXXX ) in the XXXX XXXX of XXXX XXXX, Georgia ( XXXX XXXX. XXXX ) was dismissed without prejudice by a Magistrate Court Judge for " Want of Prosecution '' after the plaintiff failed to answer the calendar call. 

XX/XX/XXXX : A formal Cease and Desist and dispute notice was issued to the CFPB and relevant creditors regarding multiple unverified accounts. 

Specific Account Issues and XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) : XXXX accounts are being reported as " Derogatory '' with approximate balances of {$6900.00} and {$12000.00}. Although I have communicated a proposed payment plan to a representative named XXXX and was awaiting a response from management, these accounts remain unverified and disputed on my report. 

XXXX XXXX XXXX XXXX XXXX : This account shows a balance ranging from {$9700.00} to {$10000.00} with a " Collection/Charge off '' status. Records indicate this debt is unverified and incorrectly reported. 

Bounce AI : An account balance of approximately {$8800.00} is reported as " Derogatory '' and " Late 120 Days. '' Despite the remark " Consumer disputes this account information, '' reporting continues. 

XXXX XXXX : An account with a balance of {$3300.00} is listed as " Charged off as bad debt. '' Previous disputes have resulted in a resolution that I do not agree with. 

Requested Resolution I am currently unemployed with no source of income. I request that the CFPB investigate these entities for failing to provide proper validation of these debts and for continued reporting of disputed information. Furthermore, I am formally requesting a Cease and Desist on all communications to my residence and place of employment, in accordance with my rights under the FDCPA.

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 2025-12-19 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
The account was completely paid, however the report still inaccurately shows late payments.

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 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
About my previous complaint : XXXX which is marked as closed, I would like to : escalate my complaint. 
Issue Summary : I am escalating my complaint because the companys response failed to address the substance of my dispute. 

Detailed Narrative : My original complaint concerns inaccurate credit reporting by XXXX XXXX XXXX. The company is reporting missed payments for a loan that was supposed to be canceled and for which I never received loan proceeds or services. 

XXXX response relied exclusively on its XXXX  XXXX bankruptcy status and procedural limitations. The response did not address whether the loan was ever funded, whether the underlying solar contract was canceled, or why the account is being reported as delinquent. No validation of the debt was provided. 

Bankruptcy administration does not exempt a company or its agents from complying with the Fair Credit Reporting Act. My dispute concerns credit reporting accuracy, not bankruptcy claims administration. 

As of today, the inaccurate tradeline remains on my credit report and continues to cause measurable financial harm. I am requesting CFPB assistance to ensure the company conducts a meaningful investigation and corrects or removes inaccurate credit reporting against me from the CRA ( Credit Reporting Agencies ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-19 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:
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 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CFPB Complaint Draft - Chase Credit Card Closures Aggressive, concise version : Chase arbitrarily closed my Chase Freedom XXXX and XXXX credit cards without explanation or warning. I requested an explanation and asked for the accounts to be reopened, but Chase ignored me. This action has caused serious inconvenience and disruption to my finances. I demand a clear explanation and resolution.

Suggested 'What information did you request? ' text : I requested that Chase provide an explanation for why my Chase Freedom XXXX and XXXX credit cards were closed. I also requested that the accounts be reopened or that an appropriate resolution be offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
About my previous complaint : XXXX which is marked as closed, I would like to : escalate my complaint. 
Issue Summary : I am escalating my complaint because the companys response failed to address the substance of my dispute. 

Detailed Narrative : My original complaint concerns inaccurate credit reporting by XXXX XXXX XXXX. The company is reporting missed payments for a loan that was supposed to be canceled and for which I never received loan proceeds or services. 

XXXX response relied exclusively on its XXXX  XXXX bankruptcy status and procedural limitations. The response did not address whether the loan was ever funded, whether the underlying solar contract was canceled, or why the account is being reported as delinquent. No validation of the debt was provided. 

Bankruptcy administration does not exempt a company or its agents from complying with the Fair Credit Reporting Act. My dispute concerns credit reporting accuracy, not bankruptcy claims administration. 

As of today, the inaccurate tradeline remains on my credit report and continues to cause measurable financial harm. I am requesting CFPB assistance to ensure the company conducts a meaningful investigation and corrects or removes inaccurate credit reporting against me from the CRA ( Credit Reporting Agencies ).

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 2025-12-19 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: MD

Complaint narrative:
About my previous complaint : XXXX which is marked as closed, I would like to : escalate my complaint. 
Issue Summary : I am escalating my complaint because the companys response failed to address the substance of my dispute. 

Detailed Narrative : My original complaint concerns inaccurate credit reporting by XXXX XXXX XXXX. The company is reporting missed payments for a loan that was supposed to be canceled and for which I never received loan proceeds or services. 

XXXX response relied exclusively on its XXXX  XXXX bankruptcy status and procedural limitations. The response did not address whether the loan was ever funded, whether the underlying solar contract was canceled, or why the account is being reported as delinquent. No validation of the debt was provided. 

Bankruptcy administration does not exempt a company or its agents from complying with the Fair Credit Reporting Act. My dispute concerns credit reporting accuracy, not bankruptcy claims administration. 

As of today, the inaccurate tradeline remains on my credit report and continues to cause measurable financial harm. I am requesting CFPB assistance to ensure the company conducts a meaningful investigation and corrects or removes inaccurate credit reporting against me from the CRA ( Credit Reporting Agencies ).

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 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I am demanding deletion, not correction, because this item can not be verified through original source documentation as required under FCRA 611 ( a ) ( 5 ) ( A ). Per the law, if an item can not be verified, it must be promptly deleted, not partially edited or marked disputed.

This dispute is not based on identity theft or fraud, but rather your failure to obtain legally sufficient evidence from the data furnisher, which under XXXX v. XXXX and XXXX v. 
XXXX is grounds for immediate deletion.

Should you fail to remove this item, I will escalate to the CFPB, my State Attorney General, and initiate legal action under FCRA 616617 for willful and negligent noncouple

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have requested multiple times to refuse charges from XXXX. These charges are random in dates and amounts and do not originate from our accounts

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 monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Kenosian & Miele, LLP
State: CA

Complaint narrative:
I was subjected to wage garnishment related to an alleged debt. After the garnishment occurred, I sent multiple written disputes and formal demand letters requesting validation of the debt, an accounting of amounts collected, and confirmation of closure. 

One demand letter requesting a refund and closure was delivered on XX/XX/2025. A separate certified dispute letter was delayed in transit due to USPS issues but was resent and remains in transit. Despite my written requests, the company has failed to provide proper validation, failed to confirm closure, and continues to pursue collection activity. 

I am requesting that the company cease all collection activity, provide written confirmation that the account is closed, and refund any amounts improperly collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: OR

Complaint narrative:
I called Santander when a tow truck showed up at my house, I let Santander know that I had just got out of the hospital and would like to keep my car. The XXXX  department told me I was {$3000.00} behind, but I was {$750.00} behind. Without interest I payed {$3000.00} a year and had the car 7 years. This should be written off, because of the additional auction amount of {$3000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: AZ

Complaint narrative:
I am submitting this complaint regarding XXXX  XXXX XXXX for withholding my funds, blocking my account, and refusing to provide any explanation or lawful process to dispute the restriction. 

I have an established XXXX  account and a XXXX  debit card. Recently, {$250.00} was deposited into my XXXX  account. XXXX  has since blocked my account and restricted all access to my funds. I am unable to transfer the money, withdraw it, or use my XXXX  debit card. 

I have contacted XXXX  customer support multiple times in an attempt to resolve this issue. XXXX  has repeatedly stated that, for security reasons, they can not provide any information about why my transactions are blocked or why my account is restricted. They have not alleged fraud, provided notice of wrongdoing, or cited any specific violation of terms. 

XXXX  has failed to provide : A clear reason for withholding my funds Any opportunity to contest or appeal the restriction Any timeline for resolution Any meaningful customer service assistance XXXX has effectively informed me that my money will not be released and that they will not disclose why. This conduct deprives me of access to my own funds without due process or transparency. 

I believe XXXX actions constitute unfair and potentially deceptive financial practices. By holding consumer funds indefinitely without explanation or a dispute mechanism, XXXX  places consumers at financial risk and undermines basic consumer protections. 

I am attaching screenshots of my communications with XXXX  customer service, which show their refusal to resolve the issue or provide an explanation. 

I respectfully request that the CFPB review this matter and require XXXX  to either : Immediately release my funds, or Provide a lawful, transparent explanation and a clear dispute and resolution process. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 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: PA

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Earlier this month I had closed a checking account that I had used due because it was a college account and opened a new checking account with chase. I went to pay off my Wells Fargo XXXX card and accidentally paid it off with the closed bank account, I believe I did it twice but didnt realize the first time. The second time i realized right away and when I did I called the customer service they said it was fine it will be recredited to me and when it was I paid it off. Wells Fargo still closed my account with no explanation and when I called in they said there was nothing I could do and I would be losing all the points I built up and lose the card even though I called in to XXXX and told them I had made a mistake right when it happened.

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 2025-12-19 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: CT

Complaint narrative:
In accordance with the Fair credit reporting act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX, account 1 # : XXXXXXXX XXXX XXXX XXXX reported on XXXX, XXXX on another bureau. Also credit collection account 2 # : XXXX XXXX XXXX reported on XXXX and XXXX account 3 # : XXXX XXXX XXXX XXXX XXXX  account XXXX, XXXX 4 # : XXXX XXXX XXXX XXXX XXXX  reported on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX U.S.C. 1681 section 602 A : states i have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) : a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reason to believe that the information is inaccurate

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 2025-12-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Sensible Auto Lending, LLC
State: FL

Complaint narrative:
I went to this used dealership called XXXX at XXXX XXXX XXXX XXXX XXXX fl XXXX looking for a specific car and the sales man start the process and I was waiting for a couple hours and he told me that he cant give me tha car but other one a XXXX XXXX I was like ok the XXXX was smooth and fun when he was doing the contract I gave XXXX of down payment and when I was on the monthly payment part I saw more down payment and the sales man told me that I still own down payment because it was originally XXXX but I saw and add at marketplace saying XXXX dollars so I was confused abt it they let me drive off with tha car I though the whole process was done they told me to wait on the bank to call me so the bank never called me or them the car start giving me some issues with the battery and a leaking so I went back 5 days later because they supposedly cant verify something with my employee information and I told the sales there is no way possible for to pay almost XXXX on less than a month they gave a payment on the XXXX and XX/XX/XXXX of XXXX plus dealer fee and I XXXX bought the car I wann exchange for a cheaper car they make wait 2 more hours and the sales man told me theres was something going on my credit and he told me if I dont got the co signer I need to give back the car to the dealership and he would give me a refund but not fully only half because hes charging me days of usage and Im not satisfied with that I want my full money because there trying to scammed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 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:
These accounts are inaccurately attributed to me and should be removed within 15 days per 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