vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading repor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading repor

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 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am disputing {$4200.00} in unauthorized XXXX charges I did not make. Goldman Sachs denied my disputes, closed my account before resolution, and still holds me responsible. I never received the merchant evidence they claim was mailed. Recently, I also received a call and voicemail from an unknown number claiming to be Apple/Goldman Sachs , which raised security concerns. I request reversal of these charges and fair handling of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: IL

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. If you can not certify that all data belongs to me, these accounts and its respective charges must be removed entirely and I need you to address this as soon as possible to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Earlier this year, we initiated a {$14000.00} balance transfer on our card ending in XXXX. Since that time, we have consistently paid off all regular charges in full while also making payments toward the balance transfer. Based on the 0 % promotional offer for over 12 months, we expected that the balance transfer portion would not accrue interest.

However, Chase has been misapplying our paymentsallocating them incorrectly toward the balance transferresulting in interest being charged on regular purchases. This effectively means Chase has collected interest on both the balance transfer and our ongoing purchases, which is not consistent with the terms of the offer.

Additionally, the balance transfer itself is not being displayed correctly on our statements, making it difficult to track and verify. This practice is misleading, unfair, and needs to be corrected immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the fraudulent account that has been reported under my credit history. I did not authorize, initiate, or approve this account. Its presence on my report is inaccurate and misrepresents my financial responsibility.

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 2025-09-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I purchased a XXXX timeshare in XXXX and paid off my loan in full ; my only financial responsibility was maintenance fees. On XX/XX/XXXX, I was pressured by sales representative XXXX XXXX in XXXX, FL, to sign a new contract under false promises : My maintenance fees would rise to $ XXXX unless I signed. 

Signing a new contract would lock fees for 10 years ( not true ). 

I would receive a deed, which was necessary to exit the contract. 

I could make rental income from the timeshare. 

In reality, my fees are now {$350.00} monthly + {$140.00} maintenance, far higher than promised. I was rushed to sign without adequate time to review documents and was charged a {$2400.00} down payment plus {$25.00} fee without a breakdown of costs. 

Since signing, attempts to resolve the issue with XXXX have been ignored or met only with upsells and contract rewrites. This is deceptive, high-pressure sales, misrepresentation, and a failure to act in good faith.

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 2025-09-02 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : UNAUTHORIZED COLLECTION - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$7000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I closed by XXXX  and move money to my checking account so that I can use it to purchase a house. 
Now, underwriter wants the source of funds to my Checking account. I am trying to get that statement or transection from Citi bank. It have been over a week but I am not able to get anything from them. They acts like do don't have to listen or provide the service. 

I am helpless. I can't close by loan without this statement and they are not helpful at all!

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 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This Cease and Desist Letter is to address the account in the amount of {$760.00} and opened XX/XX/XXXXXXXX XXXX XXXX 

Date : XX/XX/XXXX To : LVNV Funding LLC. 
XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Re : Cease and Desist of Harassment and Unauthorized Communication Dear LVNV Funding LLC., This letter serves as my formal Cease and Desist request pursuant to 15 U.S. Code 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). I hereby demand that you immediately cease all communication and collection activities with me regarding any alleged debt.

Under federal law : A debt collector may not communicate further with a consumer once the consumer has notified them in writing to cease communication, except to : XXXX. Advise that further efforts are being terminated ; XXXX. Notify that specific remedies may be invoked ; or XXXX. Notify that the creditor intends to invoke a specified remedy. 

Additionally, any further actions such as : Harassment by phone, email, or mail, Unauthorized or inaccurate reporting to credit bureaus, Contacting third parties regarding this matter are strictly prohibited under the FDCPA and may constitute violations subject to civil liability, penalties, and damages. 

If you believe this alleged debt is valid, you are required under 15 U.S. Code 1692g to provide written verification of the debt, including the name of the original creditor. Until such verification is provided, you must cease all collection activities.

Failure to comply with this Cease and Desist request will result in me pursuing all remedies available under state and federal law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. 

This letter is written in good faith with the expectation that you will honor my rights under the FDCPA. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
Ive never been to the school. I am currently enrolled in XXXXXXXX XXXX XXXX University. I have no idea what this debt is until it came on my collections. Dropped my score by XXXX points

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Giggle Finance Inc.
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to provide a full explanation of the circumstances surrounding an unauthorized debit made to my account by Giggle Finance. 
XXXX. Original Authorization At an earlier date, I provided Giggle Finance with authorization to debit my account for repayment purposes. This authorization was limited to the specific terms agreed upon at the time. 
XXXX. Revocation of Authorization After issues arose with Giggle Finance, I revoked their authorization to debit my account. This revocation was communicated before the date of the most recent transaction. From that point forward, Giggle Finance no longer had my consent to access my account. 
XXXX. Unauthorized Debit Despite my revocation, on XX/XX/2025, Giggle Finance initiated a debit in the amount of {$150.00}, which posted to my account at XXXX XXXXXXXX XXXX XXXX. I did not authorize this debit, and it was made in direct violation of my revocation. 
XXXX. Actions Taken I immediately reported the unauthorized debit to my credit union and filed the required Written Statement of Unauthorized Debit ( ACH ). 
I also filed two separate complaints with the Consumer Financial Protection Bureau ( CFPB ) regarding Giggle Finances conduct.

I am pursuing recovery of the improperly withdrawn funds and requesting that all future attempts by Giggle Finance to debit my account be permanently blocked. 

XXXX. Intentions for Resolution It is my intention to resolve this matter by ensuring that : All funds withdrawn after revocation are returned to me.

Giggle Finance is barred from making any further debits to my account.

Appropriate regulatory action is taken to hold Giggle Finance accountable for violating consumer protections.

I am providing this explanation to create a clear record of events and to demonstrate that Giggle Finances actions were not authorized. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-09-02 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: MA

Complaint narrative:
Equifax is inaccurately reporting my closed XXXX XXXX  account as a charge-off and paid. The account was settled and should not show conflicting or negative statuses. I disputed and requested the method of verification, but Equifax did not provide it. This violates FCRA 1681e ( b ) and 1681i because the reporting is inaccurate and the reinvestigation was not reasonable. 

The XXXX XXXX  account was charged off in XX/XX/year>2020 for {$400.00} and later paid. It is now closed with {$0.00} balance, yet Equifax continues reporting it as a charge-off/negative tradeline. This is misleading, inconsistent across bureaus, and no longer accurate. I requested the method of verification and a goodwill deletion, but my request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-02 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: FL

Complaint narrative:
I receive a phone call from Midland credit management they advised I have a debt that they purchase from a credit card company. I requested a debt itemization, debt validation letter and proof of business licenses and licenses number with the Florida Office of Financial Regulation, since if they are a debt collector they are required by Florida law to register with Florida Office Of Financial Regulation. after speaking to three different agent they told me they could not provide the licensing nor did they know the information formation and kept referring me to their website. the company was using illegal tactic to verify the debt and advice they wouldn't assist unless I verify personal information including my social security number and address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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:
XXXX keeps reporting student loans for late payments that I've signed up to receive. I called twiced to speak with someone and have a fraud investigation paper sent to me but I never received them, and it has been over a month. Yet I am getting reported for late payments and my score has declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I reviewed my credit report and found several negative accounts being reported that I believe are inaccurate, unverifiable, or outdated. I contacted the credit bureaus directly and formally disputed this accounts. Despite my good-faith efforts, the bureaus failed to provide proper verification or remove these items. Some may be duplicates, and others may lack proper documentation. I'm not receiving a proper resolution, and my credit is being harmed unfairly.

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 2025-09-02 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: LA

Complaint narrative:
I state that the false late payment remarks on my accounts are a violation of 15 USC 1666. I have always made my payments on time, and these reporting discrepancies are both unjust and unlawful.

Company response to consumer: Closed with non-monetary relief