vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
Hello, I am writing to file a formal complaint against Nissan Motor Acceptance Company ( NMAC ) regarding a returned payment and subsequent collection action taken on my account. 
On XX/XX/2025, I made my regular monthly car payment of {$450.00} online through my bank account. This payment process has been in place since I purchased the vehicle and has consistently been used without issue for the past two years. 
However, on XX/XX/2025, the payment was returned by Nissan Credit ( NMAC ) without any explanation. I immediately verified with my bank, and the transaction was properly initiated on my end. Nothing has changed in my account setup, and the payment method is the same one that has been used since the beginning of the loan. 
Despite my efforts over the past severial weeks to resolve this matter, after severial attempts to escalte this issue I was still unable to speak with a manager or receive any clarification from Nissan, except that I was informed by multiple representatives from Nissan 's costumer service team that my account has been sent to collections, which is both incorrect and damaging to my credit reputation. 
I am requesting the following actions be taken immediately : A full investigation into why my XX/XX/XXXX payment of {$450.00} was returned Reversal of any negative credit reporting or collection activity Immediate confirmation that my account is in good standing A written explanation and resolution for this incident I have acted in good faith and followed the same routine payment process that has been in place since the start of my contract with Nissan. I respectfully request your urgent assistance in resolving this matter and ensuring that no further harm is done to my financial record. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XXXX2025 I sent a XXXX to the collection company XXXX XXXX XXXX for proof of the alleged debt. I received no response. I sent a second notice, an opportunity to cure on XX/XX/year>2025, I received no response. I sent a third letter, a notice of default and opportunity to cure and contest acceptance. Again I received no response. 

So on XX/XX/year>2025 I filed a dispute with the three credit bureaus and within 3 days I received an email from Experian stating that they have concluded their investigation and within a week I received a letter from transunion stating that their investigation is concluded. On XX/XX/year>2025 I sent a second letter asking them to send me the proof of validation that they received from the collection agency. They sent me an old bilI no real proof of anything. I sent a third letter on XX/XX/year>2025 a final dispute and demand for debt validation pursuant to the FCRA and FDCPA. With no response as of today

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 2025-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
On XX/XX/scrub> 2025, I discovered an unauthorized charge of {$95.00} on my Wells Fargo checking account from a company called XXXX. I did not knowingly authorize this transaction, nor did I have any prior engagement with this company. 

I attempted to call the phone number listed on the transaction, which turned out to be a XXXX Voice number, but received no response. I also sent an email to XXXX, the domain registrar associated with the company, requesting details about the registrant and reporting potential fraud. I have not received a response. 

I initially tried to report this incident to the Federal Trade Commission ( FTC ), but their site directed me to the Consumer Financial Protection Bureau ( CFPB ) for this type of banking-related issue. 

This appears to be a fraudulent charge, and I am requesting that Wells Fargo investigate the transaction, reverse the charge, and take action to protect my account from future unauthorized activity.

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 2025-07-27 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: NY

Complaint narrative:
Subject : Urgent Dispute & Demand for Deletion Under FCRA 611 & FDCPA 809 Dear [ Credit Bureau Name ], I am formally disputing the accuracy of an account that appears on my credit report. Under 15 U.S. Code 1681i ( FCRA Section 611 ), I demand that you reinvestigate and delete this information within 5 days, as it is inaccurate, incomplete, and unverified. Additionally, under 15 U.S. Code 1692g ( FDCPA Section 809 ), I am requesting strict validation of this alleged debt. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My Demands for Verification : I require strict proof of validation , including but not limited to : Complete itemized account history showing all transactions.

Original signed contract/agreement proving my obligation to this account.

Method of verification used by your bureau to confirm the validity of this data. 
Date and party that last verified this information and the source used. 
Legal Notice & Consequences for Non-Compliance : FCRA Section 611 requires that unverifiable information be deleted immediately. 
FDCPA Section 809 prohibits the reporting of debts that lack full validation. 
If you fail to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action for damages. 
I expect a written response within 5 days confirming the removal of this account 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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Block, Inc.
State: CA

Complaint narrative:
I took a look at my credit report and I can't see that it has a whole lot of consequences that I didn't do I am told it's individuals use of but I am being rejected for all of this and employment. 
TransUnion, Equifax, XXXX, all the government programs I can't get one to look my way

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
The company is listing something on my report in which a court and judge has issued a ruling dismissing the matter see attached

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 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
A fraudulent American Express account was opened in my name without my authorization. The account was added to my XXXX  credit report on XX/XX/year>2025, with the number XXXX. 

I did not apply for this credit card, nor did I give anyone permission to open it. This is a case of identity theft. I have already filed a report with the Federal Trade Commission ( FTC ) and placed fraud alerts and credit freezes on all three credit bureaus. 

I am requesting that American Express immediately : - Close the fraudulent account - Remove all associated tradelines and inquiries from my credit reports- Send written confirmation of these actions The address listed on the credit report is : XXXX XXXXXXXX XXXX, XXXX XXXX, TX, XXXX. 

Please treat this as a high-priority identity theft case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Regional Management Corporation
State: SC

Complaint narrative:
XX/XX/year> I checked my credit report and noticed a incorrect amount. Regional Finance is reporting the wrong balance on my credit report. XXXX  is required by fcra law to investigate this issue by law. I give XXXX  authorization to investigate this inaccurate balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Subject : Rebuttal to Response from Goldman Sachs Bank USA re : Apple Card Co-Owned Account I am writing in response to Goldman Sachs Bank USAs reply to my complaint regarding the Apple Card. While I appreciate their investigation, their response does not resolve my concern and in fact underscores the issue I initially raised. 

To clarify : 1. I did not consent to remain financially entangled indefinitely with a Co-Owner who has misused the account and damaged my financial well-being. 
The current structure of the Apple Card Co-Ownership program offers no path for one party to exit liability without closing the entire account. This policy is not only punitive but fails to reflect the reality of situations like mine, where continued co-ownership is neither safe nor practical. 
2. The other Co-Owner has made charges without my knowledge or consent, and I have had no access to prevent or limit this activity. I have made good-faith efforts to resolve this, including attempts to remove myself from the account or limit liability, but Apple Cards policies have made this impossible. 
XXXX. The account balance of {$7900.00} does not reflect my individual usage or consent. I am being held responsible for charges incurred by someone else, and I am not being given a fair or reasonable way to dispute or exit that liability. 
XXXX. The bank claims to have attempted to contact me once on XX/XX/year>. I received no voicemails, written communication, or follow-up, and a single phone call is not a meaningful attempt to engage. 

I am formally requesting : A full itemized breakdown of all charges made on the account since its opening, with dates and identifiers showing which Co-Owner made which transaction. 
That Goldman Sachs and Apple Card provide a mechanism to dispute charges made by a Co-Owner, or allow individual responsibility based on usage. 
That Goldman Sachs report to credit bureaus only what is accurate and fair to each individual Co-Owner, in alignment with consumer protection principles. 
If no such remedy exists, I am requesting that this complaint be escalated within the CFPB for further investigation into Apple Cards co-ownership policies, which may represent an unfair or harmful practice under consumer finance law. 

This matter continues to negatively affect my financial health and credit reporting. I am seeking a resolution that acknowledges my lack of control over account activity and offers a fair pathway forward. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B 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 2025-07-27 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:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
This account is closed and older than 7 years from the date of the last activity and should be removed per FCRA 15 USC 1681c. 

The account continues to report negatively even after being closed, which is misleading and damaging.

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 2025-07-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-07-27 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: IL

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-27 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: NC

Complaint narrative:
According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I received a 1099-C ( Cancellation of Debt ) for the following charged off accounts listed below. ( XXXX account XXXX ) After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge off on my credit report. Please cease the reporting and delete this account.

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 2025-07-27 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: IL

Complaint narrative:
Transunion Subject : Formal Dispute of Hard Inquiries Unauthorized/Inaccurate Reporting under FCRA & Metro 2 Compliance RE : Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Digits : XXXX To Whom It May Concern, I am formally disputing multiple hard inquiries listed on my credit report, as I do not recognize nor authorize these entities to access my consumer report. These inquiries are being disputed under the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Guidelines, which require accurate and permissible purpose for any third-party data access. 



The following inquiries are in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reported on : XX/XX/XXXX Reported on : XX/XX/XXXX Reported on : XX/XX/XXXX Reported on : XX/XX/XXXX Excessive and potentially unauthorized repeated inquiries by the same institution suggest impermissible access or Metro 2 violations ( duplicate/failure to purge ). 
XXXX Reported on : XX/XX/XXXXXXXX XXXX XXXX XXXX  Reported on : XX/XX/XXXX XXXX XXXX XXXX Reported on : XX/XX/XXXX According to FCRA 604 ( a ), a hard inquiry may only be made with my explicit authorization or in connection with a legitimate credit transaction initiated by me. I have no recollection or record of initiating such applications with these companies, and I did not authorize these hard inquiries. 

Additionally, under Metro 2 Guidelines, data furnishers must follow strict protocols for accurately coding and deleting impermissible or redundant inquiries. The repeated entries from XXXX XXXX violate the Metro 2 prohibition against multiple inquiries for the same transaction and suggest non-compliance with the standard Inquiry Type and Permissible Purpose fields. 



Demand for Action : In accordance with FCRA 611, I formally request : 1. An immediate investigation of the above-listed inquiries.

2. Written verification from the furnishers that I authorized these pulls.

3. Permanent removal of all unauthorized or non-compliant inquiries from my credit file. 
4. A full updated credit report sent to me upon completion of your investigation.

Failure to properly investigate and resolve this dispute may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and/or pursuit of civil damages under FCRA 616 and 617.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX [ Enclosures : Copy of ID, utility bill

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
The company is listing something on my report in which a court and judge has issued a ruling dismissing the matter see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FISERV FINXACT CORE
State: MO

Complaint narrative:
The company is listing something on my report in which a court and judge has issued a ruling dismissing the matter see attached

Company response to consumer: Closed with explanation