vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing a comnplaint to formally dispute several items on my credit report and demand their permanent removal, not correction. Despite my previous attempts to ensure accuracy, my credit files continue to contain inaccurate, unverifiable, and unauthorized information that has caused and continues to cause significant harm to my creditworthiness. I am exercising my rights under federal law to demand that these items be permanently deleted from all three bureaus. 
The Late Closed account currently listed as XXXX Account No : XXXXXXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00} XXXX XXXX is being reported inaccurately and should be removed in full compliance with FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires a reasonable reinvestigation of disputed information, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits the reporting of information known to be inaccurate, and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in reporting. Additionally, 605B / 15 U.S.C. 1681c-2 gives me the right to permanently block information resulting from identity theft, fraud, or unverifiable reporting, all of which apply to this account.

Furthermore, the following Charged Off accounts with XXXX XXXX XXXX remain on my credit report despite being inaccurate and unverifiable. These accounts show balances of {$2800.00}, {$6400.00}, and {$18000.00}, and continue to be reported without the issuance of a Form 1099-C to validate cancellation of debt. Their reporting violates FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) due to the lack of verification, and each of these items should be permanently removed immediately. Their continued presence is damaging, misleading, and in direct violation of my consumer rights under federal law. 
In addition, there are several unauthorized inquiries that have been reported without my consent or any permissible purpose, including XXXXXXXX XXXX dated XX/XX/year>, XXXX XXXX XXXX dated XX/XX/year>, and XXXX XXXX dated XX/XX/year>. These inquiries violate 605B / 15 U.S.C. 1681c-2, FCRA 619 15 U.S.C. 1681q, FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), all of which restrict access to consumer credit reports without proper authorization or a legitimate purpose. I am demanding the permanent removal of these inquiries from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: United Shore Financial Services, LLC
State: NJ

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding UNITED WHOLESALE MORTGAGEs failure to properly verify and correct inaccurate information reported on my credit file. 
Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  and XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. UNITED WHOLESALE MORTGAGE has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 

UNITED WHOLESALE MORTGAGE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I purchased a phone ( XX/XX/year> ) using the Apple card via the Apple Goldman Sachs card. I financed it because it was supposed to be interest-free for the first year. On XX/XX/year> I was notfied by my bank ( XXXX XXXX ) and the apple wallet app on my phone that I there was a credit card payment of {$1800.00} from my wells fargo checking account. I never authorized AppleXXXX XXXX to pay the balance off ; I chose to finance the phone and not to pay it off all at once. It has severely affected my other bills I need to pay this month, which I now can't pay. This will affect my credit and cause overdraft chages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I am requesting that your agency conduct a full reinvestigation into the accuracy and legitimacy of this collection account, including but not limited to : 1. Verification of the account 's validity, origin, and ownership.

2. Confirmation of proper notification of debt and collection attempts.

3. Compliance with federal and state consumer protection laws, including the FDCPA and FCRA.

4. Verification that the reporting agency has proper documentation to substantiate the debt, including original account agreements, payment history, and itemized statements.

Please be advised that I am not acknowledging ownership or responsibility for the alleged debt, nor am I waiving any rights under state or federal law. This letter constitutes a formal dispute under 15 U.S.C. 1681i ( a ) and a request for investigation, including the requirement that you : Contact the furnisher of the information ( if applicable ) ; Review all supporting documentation ; Delete or correct any information that can not be verified within 30 days ; and Provide me with a copy of the results of your investigation, as well as an updated credit report.

If your investigation concludes that the account is accurate and will remain, I request that you provide a complete description of the procedures used to determine the accuracy and completeness of the information under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

Failure to properly investigate and respond within the required timeframe may constitute a violation of the FCRA and could result in legal action to enforce my rights.

Thank you for your immediate attention to this matter. I expect your written response within 30 days from receipt of this letter, as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am disputing a collection account being reported by XXXX XXXX XXXX ( listed as XXXX XXXX XXXX on Equifax and Experian, and XXXX XXXX  on TransUnion ). The alleged original creditor is XXXX XXXX XXXX / XXXX for approximately {$1200.00}. I do not recognize this account and have never opened or authorized any credit relationship with XXXX XXXX  or XXXX XXXX. 

I previously notified the credit bureaus that this information is inaccurate and requested reinvestigation under 15 U.S.C. 1681i, but the reporting continues unchanged. XXXX XXXX has never supplied any validation, assignment, or documentation proving lawful ownership or the right to collect or furnish data on this account. 

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ), and UCC 9-208 XXXX XXXX XXXX  is required to produce the original contract, a full chain of assignment from XXXX XXXX to XXXX XXXX and a complete accounting history before reporting or collecting. No such proof has been provided. 

Until proper validation is received, this entry constitutes unverified and inaccurate information and must be deleted from all consumer reports. Continued reporting of an unvalidated account violates both the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 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: Experian Information Solutions Inc.
State: TN

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 2025-10-22 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: TN

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 2025-10-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
My account was hacked through my virtual account. There were a total of XXXX transactions withdrawn from my virtual account. On XX/XX/year>, money was transferred from my XXXX XXXX  account to my checking account, then withdrew from my entire bank account. Someone by the name of XXXX XXXX started making small deposits of {$.00}, a total of 3 times, then started withdrawing {$3.00}, {$10.00}, {$49.00}, {$95.00}, {$340.00}, {$490.00}, {$200.00}, and {$530.00}. It was from a XXXX XXXX  account, someone I dont know nor how they accessed my virtual chime accounts. When disputing this information to chime, they denied my claims. But this had to be an inside job of someone hacking my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am currently reviewing my Experian, Equifax and TransUnion credit report 's and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX VIA XXXX XXXX XXXX XXXX, CA XXXX I would like to have XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX as my only address reporting on my Experian, Equifax and TransUnion credit report 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am currently reviewing my Experian, Equifax and TransUnion credit report 's and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX VIA XXXX XXXX XXXX XXXX, CA XXXX I would like to have XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX as my only address reporting on my Experian, Equifax and TransUnion credit report 's.

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 2025-10-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: MT

Complaint narrative:
On XX/XX/year> my nephew XXXX treat me {$35.00} to my mother 's cash app which is $ XXXX anyone through and is on her card but you guys won't let me sign in even though I know all of her information and you took his money from his account and you saying that and now it's saying on the cash drop that it was canceled when he didn't cancel it he I have proof that he sent his money because he sent it to me to help me get unstuck and then you guys just want to think you could just freeze your account or like take the money away because that's a pretty XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I'm never going to ever use your company again becausXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  like this I want to be with him to be reimbursed immediately or the money go back on my mom 's account that you say that you can't can't go in reopen when you I know you can because he's the XXXX that put the money on her car today

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details : 1. XXXX Account Number : XXXX 2. XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX  Account Number : XXXX 4. DEPTEDXXXX Account Number : XXXX 5. XXXX Account Number : XXXX

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 2025-10-22 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am officially requesting the deletion of this incorrect account from my credit report, as I never authorized its creation or usage. Supporting documents are attached to substantiate my claim.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am really frustrated because the inaccurate late payments are still displayed on my credit reports as of this morning, and I have no explanation for it. They remained even after I refreshed the browser. I am asking that all the documents I submitted be closely verified immediately so I can have peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX miscellaneous Inquiry from XX/XX/year> NOWCOM/WESTLAKE miscellaneous FINANC Inquiry from XX/XX/year> XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/year> GLOBAL LENDING SERVICE Inquiry from XX/XX/year> miscellaneous SANTANDER CONSUMER XXXX XXXX from XX/XX/year> miscellaneous ADP/SOUTH XXXX miscellaneous XXXX XXXX XXXX XX/XX/year> AUTONATION FINANCE/ miscellaneous DS Inquiry XXXX XX/XX/year> CAPITAL XXXX Inquiry from XX/XX/year> miscellaneous CAPITAL XXXX Inquiry from XX/XX/year> miscellaneous CREDIT XXXX BANK NA Inquiry from XX/XX/year> miscellaneous NCCINC/GILLMAN CHRYSLE Inquiry from XX/XX/year> XXXX EXETER FINANCE LLC/ miscellaneous WCG Inquiry from XX/XX/year> XXXX XXXX XXXX from XX/XX/year> miscellaneous XXXX XXXX XXXX from XX/XX/year> miscellaneous XXXX FINANCIAL Inquiry from XXXX XXXX XXXX 2025 miscellaneous XXXX BANK Inquiry from XXXX XXXX, 2025 miscellaneous XXXX XXXX XXXX from XXXX XXXX, 2025 miscellaneous CAPITAL XXXX Inquiry from XXXX XXXX, 2025 miscellaneous EXETER FINANCE LLC/ miscellaneous WCG Inquiry from XXXX XXXX, 2025 XXXX XXXX XXXX from XXXX XXXX, 2025 NOWCOM/WESTLAKE FINANC Inquiry from XXXX XXXX, 2025 XXXX XXXX XXXX XXXX from XXXX XXXX, 2025 XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX 2025 XXXX XXXX XXXX from XXXX XXXX, 2025 miscellaneous miscellaneous miscellaneous miscellaneous miscellaneous PREMIER XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX from XX/XX/year> miscellaneous GLOBAL LENDING SERVICE Inquiry from XX/XX/year> miscellaneous MID XXXX FINANCEmiscellaneous Inquiry from XX/XX/year> UNITED AUTO CREDIT miscellaneous CO Inquiry from XX/XX/year> XXXX XXXX A Inquiry from XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I sat down with the sales representative XXXX XXXX on XX/XX/year> and he offered me a XXXX  month deferred interest rate on my mattress purchase ( the total sale amount was {$1700.00} ). We did the math so that I would pay {$500.00} down payment, and {$30.00} a month, which meant that my balance would be paid off well before the 48 months was up, so I wouldn't get hit with interest. 

I checked my credit card statement today and saw that I was hit with {$700.00} interest. I called Synchrony Bank and escalated to manager, and they would not reverse it and that it was a 24 month deferred interest rate. I called Mattress Firm and they didn't have the correct records to tell me what rate I received.

All in all, I was bait and switched by deceptive salesperson. I'm not sure what their records will say, if they end up finding them. The fact that he helped me sign up for {$30.00} a month payments, which would be paid off around 42 months, is the only proof I have that I was lied to. I am financially responsible ( except for this, apparently ). If the interest was 24 months, that number would have been XXXX.

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 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief