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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax Dispute Department, I am formally disputing the following entries on my credit report as * * inaccurate, incomplete, and unverifiable * *. This dispute is filed pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) Section 611.

My identifying information is : * * * Full Name : * * XXXX XXXX XXXX * * * Current Address : * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * * * Date of Birth : * * XX/XX/1977 * * * SSN ( last four digits ) : XXXX XXXX XXXX XXXX XXXX XXXX Equifax Confirmation # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Accounts and Reason for Deletion * * I demand the * * immediate deletion * * of the following accounts because they are negative, damaging, and can not be substantiated with complete and verifiable documentation from the original source, as required by law.

| Creditor Name | Account Number ( Last 4 Digits ) | Reported Status | Reason for Dispute/Deletion | | : -- - | : -- - | : -- - | : -- - | | * * XXXX XXXX XXXX * | XXXX  XXXX XXXXXXXX | Charge Off | Unverifiable source documents for full account history and terms. | | * * XXXX * * | XXXX XXXX XXXXXXXX | Charge Off | Unverifiable original contract/business liability. | | * * XXXX XXXX * * | XXXX XXXX XXXX / XXXX XXXX XXXXXXXX ( Both accounts ) | Charge Off| Failed to provide full audit trail/source documents. | | * * XXXX XXXX  XXXX * * | XXXX XXXX XXXXXXXX | Charge Off | Failed to provide complete and accurate data required for verification. | | * * XXXX XXXX * * | XXXX XXXX XXXXXXXX | Collection | Unverifiable original debt validation and transfer documents. | | * * XXXX  XXXX XXXX * * | XXXX XXXX XXXXXXXX | Collection | Unverifiable original debt validation and transfer documents. | # # # * * Demand for Reinvestigation * * You are legally required to investigate the accuracy of this information with the data furnisher within 30 days.

* * In this investigation, you must use the complete and original source documents * * that establish the account 's validity, including the original signed contract, detailed payment history, and transfer documents. A mere re-reporting of the same data by the furnisher does not constitute a valid verification.

If the listed accounts can not be verified as accurate and complete within 30 days, or if the furnishers fail to provide the required source documents, you * * must permanently delete * * the disputed information from my credit file immediately.

Enclosed are copies of my identifying documents. I expect written notice of the results of your reinvestigation, and if deletion occurs, a corrected copy of my consumer report, within the statutory time frame. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: DK Auto LLC
State: GA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX ( XXXX  ) has continued collection activity, threats of enforcement, and attempts to enforce an invalid security interest, despite receiving a formal written Cease and Desist Notice. The account itself stems from a fraudulent auto sale, and XXXX XXXX is legally liable as the assignee of that fraudulent retail installment contract. Under FDCPA ( 15 U.S.C. 1692c ( c ) ), once a cease and desist is issued, a creditor/collector may not continue : Collection calls Threats Deficiency attempts Repossession threats Enforcement attempts XXXX  violated this rule by continuing to process or attempt collection after notice was legally served. 
B. XXXX  Is Attempting to Enforce an Invalid or Fraudulent Contract Your cease and desist states the originating dealership : Filed bankruptcy for fraudulent sales Making the retail installment contract voidable Under OCGA 23-2-51 ( fraud as grounds for rescission ) The dealership and XXXX  failed to follow the lien procedures required under OCGA 40-11-1, making the lien invalid. XXXX  can not enforce or threaten sale under an invalid lien.Extortion Attempt OCGA 16-8-16 Threatening deficiency balances, sale, or continued collection on a fraudulent and voidable contract constitutes an unlawful and coercive attempt to obtain money, as noted in the cease and desist.

Company response to consumer: Untimely response
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Applied to an apartment the findings search stated that one or more applicants have a history of rent non payment or tardiness

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/year>. {$280.00}. For ticket XXXX XXXX XXXX from XXXX. I was rush buy tickets 6 seats on XX/XX/XXXX. Its from event on XX/XX/XXXX Monday. I been wait for get tickets 6 seats. I was new with XXXX I did not get any tickets from email or apps. I kept calling and XXXX  email wheres tickets? Because my other friends got tickets from email scan QR code. Its not fair. I been wait. Then passed XX/XX/XXXX event done. I kept calling and wait one months. I just want refund back. I decide to call my bank Citi bank for dispute. Please help me

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 2025-11-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
I am filing this complaint because a collection account from XXXX XXXX ( or the company listed on my credit report ) is being reported to the credit bureaus without any proper validation or required documentation, which violates the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

I have never received any initial communication, validation notice, or written correspondence from this collector as required under FDCPA 15 U.S.C. 1692g ( a ). They began reporting to the credit bureaus without providing the mandatory written validation of the debt.

This means the debt collector is : 1. Reporting unverifiable information 2. Failing to provide validation after repeated disputes 3. Continuing to furnish information that has not been proven accurate 4. Violating FCRA 602 ( A ) and FCRA 623 ( a ) ( 1 ) ( A ) by failing to ensure accuracy and completeness 5. Ignoring my written disputes submitted to the credit bureaus per FCRA 611 I requested validation, including the following : Original creditor name Itemized accounting of the amount claimed Proof of ownership / chain of title Signed contract or agreement Date of alleged default Notice of assignment or sale The collector has not provided any of these items.

Despite this, they continue to report the account, which is unverified, inaccurate, and incomplete. The credit bureaus are also failing to conduct a proper investigation, and the collector is continuing to furnish data that can not be substantiated.

I am requesting the CFPB to require : 1. The collector to provide full validation or immediately cease reporting the account.

2. The credit bureaus to remove the account if the collector can not verify it.

3. Documentation from the collector proving that they ever sent the legally required initial written notice.

I am seeking resolution because the continued reporting of an unverified and unvalidated debt is causing financial harm and violates federal law.

Thank you for your assistance.

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: 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: WV

Complaint narrative:
I am filing this complaint because a collection account from XXXX XXXX ( or the company listed on my credit report ) is being reported to the credit bureaus without any proper validation or required documentation, which violates the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

I have never received any initial communication, validation notice, or written correspondence from this collector as required under FDCPA 15 U.S.C. 1692g ( a ). They began reporting to the credit bureaus without providing the mandatory written validation of the debt.

This means the debt collector is : 1. Reporting unverifiable information 2. Failing to provide validation after repeated disputes 3. Continuing to furnish information that has not been proven accurate 4. Violating FCRA 602 ( A ) and FCRA 623 ( a ) ( 1 ) ( A ) by failing to ensure accuracy and completeness 5. Ignoring my written disputes submitted to the credit bureaus per FCRA 611 I requested validation, including the following : Original creditor name Itemized accounting of the amount claimed Proof of ownership / chain of title Signed contract or agreement Date of alleged default Notice of assignment or sale The collector has not provided any of these items.

Despite this, they continue to report the account, which is unverified, inaccurate, and incomplete. The credit bureaus are also failing to conduct a proper investigation, and the collector is continuing to furnish data that can not be substantiated.

I am requesting the CFPB to require : 1. The collector to provide full validation or immediately cease reporting the account.

2. The credit bureaus to remove the account if the collector can not verify it.

3. Documentation from the collector proving that they ever sent the legally required initial written notice.

I am seeking resolution because the continued reporting of an unverified and unvalidated debt is causing financial harm and violates federal law.

Thank you for your assistance.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION.

THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS.

FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 
THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I had chase bank when I was a teen and I wont lie I wasnt responsible constantly losing my card. Let people use it I didnt know better I was XXXX. But I guest around XXXX  I tried to open account do right I guess I found out I placed on a bank list and no information is provided just banned now thats not fair you cant bank someone and then not tell them Ive tried for years to get answers even paid off my debt and I would like a chance at a bank account its been several years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UHG, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX is trying to sue me for a debt that is not mine.. i had already filed an ftc theft report. and had the account blocked off my credit.. i guess they got mad and trying to sue...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I tried to use my American Express platinum card today XX/XX/year> at the hospital today and my transaction wouldnt go through so I called Amex customer service. They said they sent out an email explaining that they closed the account today. This is completely false I didnt receive any email its emotionally traumatizing when I need to use my card at an emergency at the hospital and cant rely on my card Ive been using for years and have been spending so much with this and paying my bills on time I feel betrayed. They customer service lady couldnt even explain why she said I have to call back tomorrow to find out why but my account had been cancelled today and its unable to be recovered forever its so unprofessional and unfair. I expected more from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
So okay I loved my bank account with fifth third would have never left what happened from my point of view was my lease at the time on my apartment we paid our landlord in money order or cash and they picked it up. About half through they went online and were demanding we pay there. We refused so went would take out money and they would charge my card. So kept having to dispute because we paid. Well I guess it triggered the system and Im not allowed to have an account I think its unfair because it really wasnt my fault. Its been a few years but I would love a fresh chance

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: 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 TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - Date Opened : XX/XX/XXXXXXXX XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$3000.00} - Date Opened : XX/XX/XXXX XXXX/DOFED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} - Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I found two fraudulent accounts on my credit report, XXXX XXXX opened on XXXX, XXXX XXXX XXXX  opened on XXXX, Please remove them from my 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 2025-11-25 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: TX

Complaint narrative:
My credit report was compromised in Transunion data breech. TransUnion has failed at protecting consumer information. When I called to update and rectify any discrepancies on my credit report, I was given the run arounds and excuses why the representative could not help me. It is not my fault that Transunion has failed at keeping my information private and safe.

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 status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

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