vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Credit Acceptance Corporation Account XXXX. XXXX Willful Furnishing of Inaccurate Credit Information / Demand for Deletion Complaint Narrative : I am filing this complaint against Credit Acceptance Corporation, the furnisher of credit information for auto loan account No. XXXX, for repeated willful violations of the Fair Credit Reporting Act. 

Despite multiple formal disputes, Credit Acceptance continues to furnish contradictory, misleading, and materially inaccurate information regarding this account. 

The tradeline for account XXXX is currently furnished with incompatible and false indicators, including : Paid in settlement Account paid in full for less than full balance Current/ terms met CLS/ closed These statuses can not all be accurate. A settled account can not also be current or paid in full. Credit Acceptances continued furnishing of this data violates : 15 U.S.C. 1681s-2 ( a ) duty to provide accurate information 15 U.S.C. 1681s-2 ( b ) failure to reasonably investigate 15 U.S.C. 1681e ( b ) maximum possible accuracy Regulation V ( 12 CFR Part 1022 ) Metro 2 reporting standards Credit Acceptance admits in writing that it manually changed reporting codes after settlement. Yet it refuses to correct the contradictions this created, instead claiming the reporting is accurate. 

These responses demonstrate an unreasonable reinvestigation and willful noncompliance. 

This inaccurate furnishing has caused documented consumer harm including : Denial of credit and financing Housing hardship Ongoing financial distress I have exhausted every available remedy : Direct disputes Bureau disputes Prior CFPB complaints State Attorney General complaints Nonetheless, Credit Acceptance continues to furnish inaccurate data. 

Requested Resolution : I respectfully request CFPB intervention to require : Permanent deletion of Credit Acceptance Corporation account No. XXXX from all consumer reporting agencies ; Written confirmation that Credit Acceptance has ceased all furnishing related to this account ; Review of Credit Acceptances internal dispute-handling and furnishing procedures.

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 2025-11-30 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am formally disputing the Apple Card GS Bank USA account reporting on my credit file. This account is not mine and is the result of a data breach where my personal information was compromised. I received notice that my information was exposed in a confirmed data breach, which has led to unauthorized accounts being reported under my name. 

Despite multiple disputes and validation requests, Apple Card GS Bank USA has failed to provide documentation verifying the accuracy or ownership of this account. I have repeatedly requested validation, including a signed contract, itemized statement, proof of assignment, and verification procedures, but have received no such evidence. 

Furthermore, XXXX XXXX XXXX XXXX have also failed to properly investigate or verify this account as required under : 15 USC 1681i ( a ) ( 1 ) duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) duty to provide the consumer with a description of the verification process 15 USC 1692g validation of debts 15 USC 1692e ( 8 ) prohibition of reporting information known to be false The continued reporting of this unverifiable and fraudulent account violates these provisions and has caused me significant hardship, including denial of services, credit opportunities, and emotional distress. 

I have also filed complaints with the FTC and XXXX regarding this fraudulent activity. I am requesting that the CFPB investigate this matter, compel Apple Card GS Bank USA and the credit bureaus to provide full verification or immediately remove this fraudulent account from my credit reports to restore the accuracy and integrity of my consumer file. 

Additionally, The company claims I consented electronically, but has failed to provide any legally valid proof of authorization under the E-SIGN Act ( 15 U.S. CODE 7001 ) and the FCRA. I did not open or authorize this account. I formally requested all evidence of identity verification, authentication methods, and timestamped consent records. None were provided. Under the E-SIGN Act, electronic consent is only valid when supported by complete records of user action and verified authorization. The banks failure to provide this documentation confirms the account is unverifiable and fraudulent. I am requesting permanent deletion under FCRA 1681c-2 and 1681i. 

Unauthorized Account : 1 ) APPLE CARD GS BANK USA Amount : {$1400.00} Date XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I opened a credit card account with a limit of XXXX. I made XXXX purchases and paid them off in full. Then my limit was dropped to XXXX without notification or reason. I have many accounts active and have never had that happen. This should be illegal except in the case of non payment. I will be closing the account as I refuse to do business with a shady company with this way to do business in America. The account was opened XX/XX/2025 with a set limit and now it has been reduced with no explanation.Syncrony Bank is the group to watch out for.

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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disputed several inaccurate accounts with Experian and requested a reinvestigation. Experian failed to provide the required method of verification or original documentation from the furnishers. Some accounts report inconsistent information across bureaus, contain incomplete payment histories, or show unverifiable data. Experian left these items unchanged without proper verification, which violates FCRA 607 ( b ) and 611. I am requesting CFPB assistance to ensure a lawful reinvestigation or deletion of any unverifiable 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 explanation
Consumer complaint received 2025-11-30 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: IL

Complaint narrative:
The credit bureaus are reporting an account as Closed but still showing a past-due balance and delinquency. A closed account can not legally report a past-due amount because no new payments are due once the account is closed. This is inaccurate and violates FCRA 607 ( b ), 611, and Regulation V ( 12 CFR 1022.41 ). I disputed this with the bureaus, but they verified the inaccurate data without providing documentation. I am requesting a full investigation and removal of any inaccurate or unverifiable information.

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 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood.

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 2025-11-30 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: CA

Complaint narrative:
I'm just simply disputing the validity of these obligations. Under FDCPA 15 U.S.C. 1692g ( b ), once a consumer disputes a debt, the collector must cease all collection activity until full and proper validation is provided for all collection accounts on my credit reports for all credit reporting companies.

- A copy of the original signed contract or agreement - Documentation showing I have legal ownership or assignment of the debt - A complete payment history - Proof of signed agreement with XXXX XXXX and XXXX 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 2025-11-30 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: GA

Complaint narrative:
I am submitting this complaint regarding Equifaxs reporting of an account originally issued by XXXX XXXX XXXX XXXX The information Equifax is reporting is inaccurate, incomplete, and unsupported by proper verification from the furnisher, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, I submitted a written request under the Truth in Lending Act, 15 U.S.C. 1641 ( f ) ( 2 ), requiring XXXX XXXX XXXX to identify the current legal owner or assignee of the account. XXXX confirmed delivery on XX/XX/XXXX. XXXX has failed to respond, which means the ownership of the account has not been verified and can not be certified as accurate for continued reporting. 

Despite this, Equifax continues reporting the following inaccurate or unsupported information : The account as closed/charged off with a {$4500.00} writeoff A status of purchased by another lender, without identifying any current owner A highest balance of {$5800.00}, despite the account being sold and no longer owed to the original creditor Outdated delinquency information that does not reflect the change in ownership Because the furnisher has not verified ownership or accuracy, Equifax is reporting information that : Violates FCRA 1681e ( b ) failure to ensure maximum possible accuracy Violates FCRA 1681i failure to maintain accurate, verified information after dispute Violates FCRA 1681s2 ( a ) ( 1 ) ( A ) reporting information that can not be verified as accurate Equifax is reporting data that the furnisher has not validated, can not authenticate, and has not supported with proper ownership information. Continuing to report an account while its legal ownership is unverified is a direct violation of FCRA accuracy standards. 

I request that Equifax : 1. Conduct a full reinvestigation into the accounts accuracy. 
2. Require the furnisher to provide verified ownership information pursuant to TILA 1641 ( f ) ( 2 ).

3. Remove or suppress the tradeline if the furnisher can not verify ownership and accuracy.

4. Correct or delete any unsupported, incomplete, or inaccurate fields. 

Evidence I am attaching includes : My TILA 1641 ( f ) ( 2 ) request dated XX/XX/XXXX XXXX delivery confirmation dated XX/XX/XXXX Screenshot showing XXXX stated the account was sold My Equifax report showing the inaccurate tradeline information This complaint is solely regarding Equifaxs reporting obligations under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$12000.00} XXXX  XXXX  # XXXX XX/XX/XXXX -- {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My Chase bank refused to open a Regulation E dispute on a {$11000.00} cashed check I wrote on XXXX XXXX. XXXX  to XXXX XXXX XXXX for roof replacement. The contractor committed fraud : took deposit, delayed work 3+ weeks with no start/materials delivered, refused full refund, and threatened illegal 15 % fees ( prohibited under Texas DTPA ) . I sent certified cancellation letter demanding full refund by XX/XX/year>, and filed Texas AG complaint number XXXX. Chase Bank claims " I signed the check ' so no action, just tell me file a police report. This is violates Regulation E ( 12 CFR 1005.11 ) for fraud-induced EFT/billing error . Demand immediate provisional credit of {$11000.00} and full investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CT

Complaint narrative:
I am writing to formally dispute a series of unauthorized transactions that occurred on my Cash App account on XX/XX/year>, totaling {$760.00}. On that date, XXXX ( XXXX ) unauthorized transactions were made from my account. I only received a {$100.00} refund, but the remaining funds were denied with the claim that I had authorized them. I want to make it clear that I did not authorize these transactions, nor did I give anyone permission to use my Cash App card or access my account. Here are the details : Date of incident : XX/XX/year> Total unauthorized amount : {$760.00} Refund received : {$100.00} Outstanding disputed amount : {$660.00} Location of fraudulent activity : Georgia ( ATM withdrawal ) My location at the time : Connecticut Attempted transaction : {$50.00} ( declined ) My card and phone have been in my possession at all times. I have never lost them, and I have never shared my Cash App credentials or authorized anyone to use my account. Per your investigation, I was informed via email that I was at fault, but no supporting evidence, such as camera footage or proof of authorization, was provided despite my request. Given the facts and my consistent account of events, I request that this matter be re-investigated and that the remaining {$660.00} be refunded to my account. This situation has caused significant inconvenience and financial hardship, and I respectfully request a prompt resolution in accordance with Regulation E protections for unauthorized electronic fund transfers. One of the disputes in the amount of {$100.00} was refunded. Please confirm receipt of this letter and provide a timeline for the investigation. I am happy to provide any additional documentation or information necessary to support my claim. Thank you for your prompt attention to this matter. 

After submitting this complaint and additional {$410.00} was refunded. There is still a balance of {$210.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NV

Complaint narrative:
Debt collector for XXXX XXXXXXXX I had ruff patch back XXXX through XXXX .. so couldn't pay my phone bill with all the.devices on there .. so stop paying in early XXXX .. the debt collector is re aging my debt when I have not paid anything since XXXX.. but credit.reports.say they put XXXX down..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: VA

Complaint narrative:
I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) by Equifax, Experian, and TransUnion. These violations involve incorrect reporting, false verification, duplicate reporting, reinsertion without notice, and failure to conduct proper dispute investigations. 
EQUIFAX VIOLATIONS : Equifax is reporting two separate XXXX XXXX XXXX accounts that represent the same obligation, which is a violation of FCRA 602 and 607 ( b ) requiring maximum possible accuracy.

Equifax marked my dispute as " frivolous '' without providing any legally required explanation or identifying missing information, violating FCRA 611 ( a ) ( 3 ).

Equifax verified inaccurate information without conducting a reasonable investigation, violating 611 ( a ) ( 1 ).

Equifax reinserted or recreated the inaccurate account without providing the mandatory 5-day reinsertion notice, violating 611 ( a ) ( 5 ) ( B ). 
EXPERIAN VIOLATIONS : Experian is reporting the XXXX account with conflicting and impossible statuses, including " open, '' " charged off, '' and " potentially negative, '' all while showing a full active balance. An account can not be open and charged off simultaneously. This violates FCRA 602 and 607 ( b ).

Experian claimed the account was " accurately reporting '' despite clear inconsistencies, violating FCRA 611. 
TRANSUNION VIOLATIONS : TransUnion is reporting the XXXX account as an open auto loan with an active balance, even though the same account is reported differently by other bureaus. This violates FCRA 602.

TransUnion failed to correct or fully investigate the dispute, violating FCRA 611.

TransUnion failed to ensure maximum possible accuracy under FCRA 607 ( b ).

These violations have caused harm including credit denials, inaccurate credit standing, reputational damage, emotional distress, and difficulty obtaining financial opportunities.

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 2025-11-30 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: VA

Complaint narrative:
I am filing this complaint due to multiple violations of the Fair Credit Reporting Act ( FCRA ) by Equifax, Experian, and TransUnion. These violations involve incorrect reporting, false verification, duplicate reporting, reinsertion without notice, and failure to conduct proper dispute investigations. 
EQUIFAX VIOLATIONS : Equifax is reporting two separate XXXX XXXX XXXX accounts that represent the same obligation, which is a violation of FCRA 602 and 607 ( b ) requiring maximum possible accuracy.

Equifax marked my dispute as " frivolous '' without providing any legally required explanation or identifying missing information, violating FCRA 611 ( a ) ( 3 ).

Equifax verified inaccurate information without conducting a reasonable investigation, violating 611 ( a ) ( 1 ).

Equifax reinserted or recreated the inaccurate account without providing the mandatory 5-day reinsertion notice, violating 611 ( a ) ( 5 ) ( B ). 
EXPERIAN VIOLATIONS : Experian is reporting the XXXX account with conflicting and impossible statuses, including " open, '' " charged off, '' and " potentially negative, '' all while showing a full active balance. An account can not be open and charged off simultaneously. This violates FCRA 602 and 607 ( b ).

Experian claimed the account was " accurately reporting '' despite clear inconsistencies, violating FCRA 611. 
TRANSUNION VIOLATIONS : TransUnion is reporting the XXXX account as an open auto loan with an active balance, even though the same account is reported differently by other bureaus. This violates FCRA 602.

TransUnion failed to correct or fully investigate the dispute, violating FCRA 611.

TransUnion failed to ensure maximum possible accuracy under FCRA 607 ( b ).

These violations have caused harm including credit denials, inaccurate credit standing, reputational damage, emotional distress, and difficulty obtaining financial opportunities.

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 2025-11-30 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute an account that is inaccurately and inconsistently reported across the credit reporting agencies. The following account only appears on my XXXX  report and does NOT appear on XXXX XXXX XXXX, which is a clear indication of incomplete, unverifiable, and inaccurate reporting : Creditor/Account : [ Georgia Student financ ] Account Number : [ XXXXXXXX XXXX XXXX Status Shown : [ : Past Due / Late Payments/ Open / {$900.00} Past Due ] Bureau Reporting : XXXX only Under the Fair Credit Reporting Act ( FCRA ), any information reported must be : Complete Accurate Verifiable with proper documentation This account fails all three requirements : 1. FCRA 1681e ( b ) Maximum Possible Accuracy Requirement A credit bureau may only report information that is accurate and consistent.

If the account appears on only one bureau, this indicates an issue with data accuracy and completeness.

2. FCRA 1681i Failure to Verify If an account can not be verified by all CRAs it is furnished to, then it must be removed.

3. FCRA 1681s-2 Duty of Furnishers The creditor must provide complete and consistent information to all bureaus they report to.

Reporting to one bureau but not the others is treated as incomplete furnishing, making the account legally disputable and removable. 

4. Unverifiable Information Must Be Deleted FCRA 1681i ( a ) ( 5 ) ( A ) If ANY bureau can not verify the account with proper documentation, the law states the item must be deleted.

Company response to consumer: Closed with explanation