vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
I am filing this complaint against Experian, TransUnion, and Equifax for failing to maintain accurate and verifiable information on my credit report under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ( b ) and XXXX ). A company named XXXX XXXX XXXX, XXXX ( also known as XXXX ) has reported a collection account on my credit profile that I have disputed multiple times. 

This company has refused to provide lawful proof that I ever authorized them to collect, possess, or report my personal information. They have failed to show a signed agreement, assignment, or validation of any kind. I filed a XX/XX/XXXXcomplaint against this company and attached evidence showing that they continue to upload the same documents that do not show my consent or authorization. The XX/XX/XXXX has reopened my case due to their ongoing failure to comply or provide proof. 

Despite the lack of validation, this account remains on my credit report. I have already received duplicate messages from CFPB when rewording my complaints, but this is not a duplicate issue... it is an ongoing violation. This company has also stated that they will no longer respond, which shows they are intentionally avoiding accountability. 

The credit bureaus continue to report this information without confirming the accuracy, validity, or lawful authorization of this third-party debt collector. This violates Metro 2 compliance standards and shows a failure in the E-OSCAR reinvestigation process where data furnishers and the bureaus must verify or delete unverifiable data. The continued reporting of this invalid account shows negligence and disregard for the consumers rights under the FCRA. 

I have uploaded my ID, and i have uploaded everything they have sent me. Nowhere it say " XX/XX/XXXX'' on the lease. Please work with me. I am trying to avoid going to my lawyer, but i have no choice if noone is working with me to get this removed from my reports. 

Thank you in advance.

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 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit report contains collection accounts that I believe include inaccurate information. Under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a report that is both accurate and verifiable. I request a thorough review of these entries, and if they can not be verified as accurate, they should be removed.

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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Late payment entries are present on my credit report that I believe are inaccurate. In accordance with 15 USC XXXX ( b ) and 15 USC XXXX, the report must include only accurate, complete, and verifiable information. I am requesting verification of these entries, and if they can not be confirmed, they should be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
I just went through a confidential settlement and I feel that someone who works at the bank has been accessing my information and accounts and used a reason to close my accounts I have never heard of an account being closed this early

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 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: NM

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-12 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: NM

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-12 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: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Equifax block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXX opened XX/XX/XXXX with a balance of {$1400.00} There are also fraudulent inquiries with XXXX XXXX inquired on XX/XX/XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: U.S. BANCORP
State: MN

Complaint narrative:
I applied for a auto loan XX/XX/XXXX, XXXX following day while application was being processed, I submitted a lawful tender of payment via my durable Power of Attorney [ XX/XX/XXXX, XX/XX/XXXX ] to XXXX XXXX  for XXXX auto loan application to XXXX XXXX XXXX and Investor Relations via Email ( XXXX, XXXX ). The loan was denied. U.S. Bank is actively securitizing and profiting from my note yet has failed to acknowledge or process my lawful tender! These instruments and application constitute a security under federal law and are governed by XXXX XXXX, which allows for lawful debt discharge when properly tendered. 
To date, U.S. Bank has not responded after XX/XX/XXXX, has not returned my application, and has not acknowledged receipt of lawful payment, despite clear legal obligation. This constitutes non-compliance and a violation of fiduciary duties under : XXXX XXXX Lawful tender of payment ; rejection or mutilation of instruments allows discharge. 

XXXX XXXX ( notice of default ) will be sent out via mail tomorrow XX/XX/XXXX, with this complaint attached! 

XXXX XXXX Preservation of rights ; without prejudice applies. 


XXXX XXXX XXXX Proper disclosure obligations for securitized consumer loans. 


Federal securities law & XXXX Indenture Agreements. Securities representing my obligations can not be traded or misapplied without investor disclosure or consent. 


Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 XXXX seq. By failing to properly acknowledge and apply lawful payment, U.S. Bank is engaging in unfair or deceptive practices. 


Supporting Evidence : Wave XXXX & Wave XXXX submissions to U.S. Bank with certified documentation Notarized durable POA and tender of payment Screenshots and communication records Prior SEC filings indicating the securitization of loans and obligations of U.S. Bank XXXX case law and regulatory rulings regarding securitization and investor rights Relief Requested : Immediate acknowledgment and acceptance of my lawful tender of payment. 


Written confirmation that my auto loan application is properly recorded and satisfied. 


Return of all original instruments and documents to my custody. 


Full compliance with fiduciary obligations under the XXXX Indenture Agreement. 


Compensation for any damages caused by non-compliance, including legal fees and any additional costs incurred. 
US Bank XXXX Account # XXXX Routing # XXXX XXXX that my rights as an investor and lawful creditor will be honored in future dealings. 


Escalation : Should U.S. Bank fail to comply, I intend to escalate this matter to : Office of the Comptroller of the Currency ( XXXX ) Attorney General of Minnesota SEC enforcement division Arbitration or equity court as necessary

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 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I was not educated about the credit so when Midland Credit Management Inc brought my debt I was not aware how illegal that was that they werent. The people who were the holders of my credit. Ive been trying to get done and the credit bureaus to remove it, but they refuse to do so both no matter how much proof I give them they have just been bombarding my credit and keeping me from being able to purchase things and homes for my children asking you guys to please help me get them off my credit report it will make such a difference. This stuff is outdated and re-aged, which is all against the law please view all attached documents showing proof of my new credit report and my 2018 you will see that the accounts are the same. They bought the old accounts that was supposed to be closed and they re-aged them XXXX  refuse to remove it. They did remove some things, but not this particular company is like theyre refusing to do so like they in cahoots with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
portfolio recovery associates account XXXX balance {$640.00} account XXXX balance {$1800.00} this account is not showing maximum accuracy standard under 15usc 1681 e ( b ) delete the account immediately due to multiple violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
Timeline - XX/XX/XXXX - letter received from national credit systems - XX/XX/XXXX - letter sent to the national credit system - Letter stated civil code 1942 as a reason that this alleged debt does not belong to me. Used a template that showed the Fair Debt Collection Act to request the amount of the debt and the full name and mailing address of the creditor, documentation stating that I am responsible of this debt or any judgements and licensing. Along with the cover letter was an additional XXXX pages of clear evidence against the mishandling under civil code 1942 of the creditors and other evidence. 
- To this day of submitting this claim, I have not received any physical mail from national credit systems. I have XXXX emails from later interactions : XX/XX/XXXX and XXXX that can proof licensure but no information on exact judgments or information from creditor. I still am not sure who the XXXX XXXXXXXX or XXXX of apartments are. 
- XX/XX/XXXX I called and had to hang up from the first call because the worker was rude. I then spoke to a temporary person on my account and only stated to me that there was only XXXX paper and that there were no notes listed on the account. Verified email address to receive the proof which is shown in screenshots and does not have full name address or exact judgment of alleged debt. This is a recorded call that I have evidence of. 
- XX/XX/XXXX called back as advised by temporary account worker to my representative who was not being respectful until I told her that I was not upset and diffused the situation. She said that the investigation team is going to take XXXX to 40 days and that I would hear back from her once the investigation was done. 
- Though the investigation time period is not finished and I did say I would call back, I realized I have not gotten the information I requested under the act and that the representative would not say if she received the evidence against this allegation. They have violated this act and XXXX still being held responsible for something I do not owe. I do not want to provide information that this company clearly doesnt have to be used against me unlawfully

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I sent {$20.00} through Cash App to a person to someone who claimed they would give me access to a game after payment. After sending the money, the individual stopped responding and did not deliver what was promised. 

I reported the issue to Cash App Support and requested a refund, but my request was denied ( or I have not received a response ). I also attempted to contact the recipient, but they have not responded. 

This was a fraudulent transaction, and I believe Cash App should assist in recovering or refunding my money. I am submitting this complaint because I feel that Cash App did not provide adequate support or protection against scams on their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TN

Complaint narrative:
I check my credit report regularly and I checked it on XX/XX/XXXX and a collection was showing on my credit report that dropped my credit down XXXX points on XXXX. I take pride in paying my bills on time every month and having excellent credit. The collection agency was Sentry Credit , Inc out of XXXX, WA at XXXX and the amount owed is showing {$5700.00}. I dug further and found the original creditor which is showing as XXXX XXXX XXXX  out of XXXX XXXX, Texas at XXXX. Original account says it was opened on XX/XX/XXXX. I look up what XXXX XXXX XXXX  is and it shows as one, two, and three bedroom apartments. It shows the account updated and put on collection on XX/XX/XXXX. This same instance happened to me exactly almost a year ago with a so called apartment complex and out of Texas as well. The first time it was for {$270.00} and now this one is for {$5700.00} and both of these so called apartment complexes are both in Texas, how coincidental. This screams SCAM!!! I have already filed identity theft on this matter as well. I have also filed a direct dispute through XXXX  on XX/XX/XXXX and have still not received a resolve from this and it has been over 60 days now going on almost 90 days. First of all I have never even been to Texas and have lived in Tennessee for the past 30 years. I have zero family in Texas either. I am a homeowner and have been for the past 10 years. I have never received a phone call or any form of written verification from this so called apartment complex ( XXXX XXXX XXXX ) or from Sentry Credit , Inc. A collection just mysteriously showed up on my credit report. I filed a dispute with Transunion on XX/XX/XXXX to have this inaccuracy taken off of my near perfect credit report. I have worked extremely hard to have near perfect credit to have an inaccuracy reported like this. I think that Sentry Credit , Inc and XXXX XXXX XXXX  are running a scam and need to be investigated. I do not want anyone else to have to go through this headache and wanted to bring it to a higher level of attention. A company should not be able to report a collection and not validate a debt that is obviously not mine. I think the collection agency of Sentry Credit may obtain too many collections and can not keep their records straight nor input in the correct information. This is a nightmare for people that have good to even excellent credit with inaccuracies like this reporting especially when they can not even put the collection on the correct person. If I did not check my credit on a regular basis I would have had zero clue about a collection that is in no way accurate or the right person on my credit. I have zero clue how this is even on my credit report and it is frustrating and needs to be removed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Someone sent me fake checks said I was approved for credit funding and it was frauds the checks we fraud and forgery. I co tasted that bank and spoke rot someone explained my story I also contacted the police dept

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I noticed that XXXX CARD (XX/XX/XXXX ) account ending in XXXX continues reporting my credit card as Other Delinquent even though the account has always been current and has never had any late payments. 

I reviewed my billing statements and payment history, and there are no records of missed or delayed payments at any time. Despite my previous request for correction, this inaccurate delinquency status still appears on my credit reports with Experian, TransUnion, and Equifax. 

This false information is negatively impacting my credit score and does not reflect my true payment behavior. I am requesting that XXXX and the credit bureaus verify this account and correct it to show Paid as Agreed/ Never Late in compliance with 15 U.S.C. XXXX ( a ) ( XXXX ) and XXXX ( b ) of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Late payment entries are present on my credit report that I believe are inaccurate. In accordance with 15 USC XXXX ( b ) and 15 USC XXXX, the report must include only accurate, complete, and verifiable information. I am requesting verification of these entries, and if they can not be confirmed, they should be corrected or removed.

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 2025-10-13 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: MN

Complaint narrative:
On XX/XX/year>, I send Experian and TransUnion a letter that the balance for XXXX XXXX was incorrect on my credit file. They had a limit of {$3500.00} and a high balance of {$3700.00}. They responded by updating the high balance to match the credit limit. If there is indeed a verified bankruptcy why would there be a balance on the 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 non-monetary relief
Consumer complaint received 2025-10-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This complaint raises a violation of the Equal Credit Opportunity Act ( 15 U.S.C. 1691 et seq. ) and Regulation B ( 12 C.F.R. 1002.9 ( b ) ( 2 ) ) requiring manual human review.

American Express issued an Adverse Action Notice that substituted FICO score factors for its own internal decision reasons. The companys XXXX filings admit that internal models and AI systems make credit decisions, yet those specific decision criteria were withheld.

This complaint should not be processed as a data dispute but reviewed manually by a CFPB compliance analyst under ECOA/Reg B standards.

Company response to consumer: Closed with explanation