vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. Account names numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my Transunion credit report and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). In accordance to 15 USC 1681 5 after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.15 U.S.C. 1681B ( 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 2025-11-12 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$92.00} - Date Opened : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I made some payments on the car because that's what was told that i had to pay them {$680.00} a month for a car note and XXXX XXXX i paid {$1300.00} i asked to speak to the bank under writer i ask to speak to the XXXX and about the truth and lending no one explained it when i purchased the car i found out that the Dealer Engaged in Defective Lending Practices which is ( Predatory Lending ) im reporting this to the Attorney General i will be filling a complaint on the Dealership XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

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, and 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. 

UNAUTHORIZED ACCOUNT LISTED BELOW : 1 ) APPLE CARD/GS BANK USA Amount {$2800.00} Date Opened:XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I am filing this complaint because a debt collection agency JPMCB CARD SERVICES Account Number : XXXX has continued to contact me regarding an alleged debt even after I sent a formal Cease and Desist Letter under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I clearly requested that they stop all communication with me about this account, but they have continued to call, email, or mail me after receiving my written notice.Their continued communication is a violation of my rights under the FDCPA, which prohibits debt collectors from contacting a consumer after receiving a written request to stop. I am requesting that the CFPB review this matter and ensure the company ceases all contact, removes any false reporting from my credit file if applicable, and complies with all federal collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MI

Complaint narrative:
I am writing to dispute a collection account that is being reported on my credit report. The account in question, Account # XXXX, is listed under XXXX XXXX XXXX. I want to state clearly that this account does not belong to me, and I have no knowledge of it. 

I am requesting that this account be investigated and removed immediately from my credit file, as it is inaccurately affecting my credit and causing me harm. Please provide written confirmation once this matter has been resolved. 

Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: MI

Complaint narrative:
I am writing to dispute a collection account that is being reported on my credit report. The account in question, Account # XXXX, is listed under XXXX XXXX XXXX. I want to state clearly that this account does not belong to me, and I have no knowledge of it. 

I am requesting that this account be investigated and removed immediately from my credit file, as it is inaccurately affecting my credit and causing me harm. Please provide written confirmation once this matter has been resolved. 

Thank you for your prompt attention to this issue.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is a collection on my credit report, and I need it to 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 explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover said they mailed me information about the release of my dispute with XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting to formally dispute the inaccurate late payment information being reported on my credit file for the account listed below. After reviewing my credit report and payment records, I have identified that the information reported does not accurately reflect my payment activity. I am requesting that this account be corrected and updated to display its accurate and verified payment history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$13000.00} This dispute is being made in accordance with the Fair Credit Reporting Act ( FCRA ) Sections 602 ( A ), 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which require consumer reporting agencies and furnishers to ensure the maximum possible accuracy of all information contained in consumer credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
To Whom It May Concern, I am formally requesting validation of the alleged debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter serves as a dispute and request for full verification of the debt you claim I owe. 

Until you provide proper validation, you must cease all collection activity on this account, including phone calls, emails, letters, and any reporting to credit bureaus. 

Specifically, please provide the following information in writing : 1. The name and address of the original creditor ; 2. The full account number with the original creditor ; 3. The amount of the alleged debt, including a complete itemization of fees, interest, and payments ; 4. Copies of any contract or agreement bearing my signature that proves I have a legal obligation to pay ; 5. Documentation showing that your agency has the legal right to collect on this account ( proof of assignment or ownership ).

Until such documentation is provided, you are not authorized to continue collection efforts or to report this account to any credit bureau. Any attempt to do so will constitute a violation of federal law and will be documented for potential legal action. 

If you are unable to provide full validation, I demand that this account be closed immediately and any negative credit reporting be deleted from all credit bureaus ( XXXX, XXXX, and XXXX  ). 

Please confirm in writing that this account has been closed and no further collection attempts will be made. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MN

Complaint narrative:
I pulled credit bureaus at the beginning of XX/XX/XXXX. There is a collector on my account I don't know this account. I sent XXXX XXXX a letter for debt validation on XX/XX/XXXX and they received it on XX/XX/XXXX. On XX/XX/XXXX received response in mail from XXXX XXXX stating they sent me verification of above referenced account. They sent me summary of account activity. That is not validation. ( I have attached documents below )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was the victim of an online investment scam. I was misled into believing I was investing through a legitimate financial trading platform. The scammers instructed me to make multiple wire transfers from my Chase account to various individuals as part of the scheme. I later discovered the transfers were fraudulent. I acted in good faith and believed I was dealing with a legitimate financial advisor and trading account. 

Below are the fraudulent transfers made from my Chase Bank account : XX/XX/year> {$78000.00} sent to XXXX XXXX XXXX XXXX XXXX, a Division of XXXX XXXX XXXX. ) XX/XX/year> {$17000.00} sent to XXXX XXXX XXXX XXXX  XXXX XXXX ) XX/XX/year> {$43000.00} sent to XXXX XXXX XXXX XXXX XXXX  XXXX. ) XX/XX/year> {$30000.00} sent to XXXX XXXX XXXX XXXX XXXX  XXXX. ) XX/XX/year> {$10000.00} sent to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. ) XX/XX/year> {$2000.00} sent via XXXX to XXXX XXXX XXXX XXXX funds lost from my Chase account : {$180000.00}. 

As soon as I realized I had been scammed, I contacted Chase and requested the bank to recall the wire transfers and investigate the fraud. However, Chase failed to take timely and effective action to recover the funds even though I reported the fraud promptly. I am requesting regulatory assistance to fully investigate this matter and to help recover my lost funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
Discovering a late payment on my account is both unexpected and concerning, considering my track record of punctual payments. This discrepancy is causing unnecessary worry, and I urge you to update my records to reflect the correct 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 non-monetary relief
Consumer complaint received 2025-11-12 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: PA

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$880.00} Original Creditor XXXX XXXX BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$880.00} Original Creditor XXXX XXXX BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing this complaint against TransUnion, Equifax, and Experian for continued noncompliance with the Fair Credit Reporting Act ( FCRA ). Despite multiple written disputes and supporting documentation, the credit bureaus have failed to perform a lawful reinvestigation and continue to report inaccurate and unverifiable information on my credit reports. It has been well beyond the legally permitted time frame for reinvestigation, yet no valid documentation or verification has been provided. 

Their actions violate several sections of the FCRA, including : 15 USC 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 USC 1681i ( a ) ( 7 ) Failure to provide a statement of the method of verification 15 USC 1681e ( b ) Failure to ensure maximum possible accuracy The bureaus have not provided documentation used to verify the disputed items, details of their verification methods, or the contact information of the furnishers relied upon. This ongoing inaccuracy has caused harm to my consumer rights and credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I submitted a complete identity theft dispute package to the credit reporting agency that included my official XXXX Identity Theft Report, proof of identity and address, and a detailed list of fraudulent accounts and inquiries. 

Under the Fair Credit Reporting Act 15 U.S.C. 1681c-2 ( FCRA 605B ) and 1681i ( FCRA 611 ), the company is required to block all information resulting from identity theft within XXXX business days and to complete a reinvestigation within XXXX days. 

Despite receiving all required documentation, the company has failed to remove or block the fraudulent tradelines and has not provided any written results or verification. This lack of response violates FCRA requirements and continues to harm my credit. 

I am requesting that the CFPB compel the company to immediately : Block all identity-theft-related accounts and inquiries under 605B, Delete unverifiable or unauthorized information, and Provide me with written confirmation that these items have been permanently 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