vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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: MI

Complaint narrative:
I am disputing an invalid account reported by US DEPT OF ED/XXXX  # XXXX original creditor ( XXXX XXXX ) on my EXPERIAN credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act ( FCRA ). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher can not provide proper validation, it must be deleted per federal law. This account does not belong to me and I XXXX XXXX have never applied for and or been approved for a Private or Federal student loan.

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 2025-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I went to the court for this Matter, I set up a monthly payment to pay the the debt that the court assigned me for 6 months, I got the prove in my statement this was back in XXXX, now the been calling me every day and send me another dispute cuz they said I didnt pay and the want me now to pay even more, I cant anymore, I dont even have credit cards, Im a single mom with XXXX children, and situation its giving a lot stress, I cant even sleep well

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: GFS II, LLC
State: MD

Complaint narrative:
To : XXXX XXXX XXXX Registered Agent for Gateway Financial Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX RE : Failure to Lawfully Address Claim of Trust Res and Equity-Based Notice of Recission, Accounting of Proceeds, and Credit Reporting Injury Dear Registered Agent , This Notice is a formal response to the inadequate and deceptive reply submitted by Gateway Financial Solutions in relation to CFPB Complaint ID # XXXX. The company 's reply failed to address core equity-based claims, fiduciary breaches, securitization activity, and failure to validate the obligation under trust and commercial law. 
As Beneficiary of the Estate and Trustee of the XXXX XXXX XXXX XXXX, I hereby provide this REPLY NOTICE to notify you and the registered principal that : 1. The original contract has been rescinded due to fraud in the inducement, lack of full disclosure, false financial statements, and securitization without consent. 
2. The promissory obligation, proceeds, and financial interest derived from said instrument were never returned or accounted to the estate. 
3. Credit reporting continues to harm the trust estate and violates FCRA , common law equity, and unjust enrichment doctrines. 
4. Your registered principal attempted to cover up fiduciary violations through deflection and omission in its CFPB response. 
5. All trade lines and reporting must now reflect : Paid in Full, Never Late, Zero Balance, Negative Remarks Removed. 
You are hereby directed to provide the following within 10 business days of receipt of this notice : 1. Full ledger and forensic accounting of the assignment, transfer, securitization, and proceeds of the alleged contract ; 2. Legal proof of standing, chain of title, and lien authority ; 3. Record correction with all consumer reporting agencies, as outlined in the FCRA section of my original notice ; Failure to respond will be deemed dishonor and acceptance of all claims on the administrative record. A lien or fiduciary enforcement proceeding may follow. 

Respectfully submitted on this XXXX day of XXXX, 2025, XXXX XXXX XXXX XXXX  | Beneficiary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Without Prejudice, UCC 1-308 | All Rights Reserved in Equity

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: GA

Complaint narrative:
In XXXX of 2019 I bought tires on my XXXX credit card and sometime after, I fell on hard time and was not able to pay on my credit card anymore. Now the account has been charged off and the account is reporting on my credit for all these years. I have since learned that I should have received a XXXX C in the amount of {$1100.00} and I never did. Transunion file # 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 2025-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: IA

Complaint narrative:
I deposited a check for {$50000.00} into my online savings account with Marcus by Goldman Sachs sometime around XX/XX/2025. I can't give you the exact date because I have been denied access to my account. The check was a personal check written out to me from the lawyer handling my aunt 's estate. The money showed as available in my account within a day or two. Around XX/XX/XXXX, I recieved a letter in the mail letting me know I would not be able to access the money until XX/XX/XXXX. On XX/XX/XXXX, I withdrew ( transfered ) about {$9000.00} to use to pay my daughter 's XXXX  tuition. I had no issues withdrawing the money. On XX/XX/XXXX, I logged into my account and electronically requested to transfer {$12000.00} to pay for repairs on personal property. On XX/XX/XXXX, my account was locked and I have not had access to it sense then. I called the bank to find out why and they said they needed to verify the authenticity of the {$50000.00} check that was deposited on XX/XX/XXXX ( ish ) by calling the bank the check originated from. XX/XX/XXXX was XXXX XXXX and the bank was closed, so I called back Tues to do this XXXX way call with the bank to verify the check. The call was placed by my bank to the other bank while I waited on hold. After a short wait they connected with me and said the other bank does not verify by phone so I would just have to wait for a supervisor to review and make a decision on how my bank would handle this situation. I then called that bank myself ( XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. ) and spoke to an employee named XXXX who I explained my situation to and asked if she could help. She said absolutely, just have your bank call and ask to talk directly to me. So I called my bank back and told them we could call and XXXX could verify the check. I spoke to a friendly man named XXXX who was eager to help me. He called the XXXX XXXX XXXX  while I was waiting on hold, but he never reconnected with me and I ended up asking to respond to a survey and hung up. So I called back again and the next person I spoke with was unwilling to help me or call the XXXX XXXX XXXX. I was told I would need to wait 2-3 business days to give the supervisors time to analyze the situation. My husband and I also have money in a separate joint account with the bank and he is able to login to his account electronically, but is not being allowed to withdraw any of the money from the separate accounts which have about {$13000.00}. We therefore had to go to our local bank today and take out a loan to pay our contractor for the {$12000.00} we owe him.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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 reporting.

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 2025-05-30 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: TX

Complaint narrative:
XXXX XXXX is reporting a charged-off account from XXXX  with a first delinquency in XX/XX/year>. This account is approaching the 7-year limit defined under FCRA 605 ( a ).

I am requesting a reinvestigation of the date of first delinquency. If the credit bureau or furnisher can not verify this accounts accuracy or timeliness, it must be deleted under FCRA 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/year> my checking account had XXXX usd withdrawn by Comenity XXXX Credit card. However on the XXXX comenity credit card website it shows an attempted payment of XXXX usd. It shows the payment failed due to NSF and i was also charged a XXXX dollar NSF fee.However, the XXXX USD has still not been returned to my checking account, and the transaction isnt pending-it is settled. When i contacted comenity customer support they told me they didnt see the transaction and refuse to refund me the XXXX usd and remove the NSF fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: Lendmark Financial Services
State: PA

Complaint narrative:
Received a letter from Lendmark Financial Services regarding a {$3000.00} loan that was dated XX/XX/year>. The company sent a rejection letter but a hard inquiry is seen in credit report. The hard inquiry is by XXXX XXXX for the same date XX/XX/year>. No such request was made by myself and no information was provided by me to either financial service company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally disputing the continued reporting of the XXXX XXXX  account ( ending in * * * * ) on my credit report, which reflects a charge-off with an outstanding balance of {$10000.00}. This information is inaccurate, unverified, and being reported deceptively in violation of my rights under both federal and case law statutes. 
XXXX. Violation of FCRA 611 ( 15 U.S. Code 1681i ) Failure to Conduct Reasonable Investigation. Per 15 U.S. Code 1681i ( a ), Experian is required to perform a reasonable investigation upon notice of a dispute. I have not been provided any documentation bearing my signature, contract, or application verifying this account belongs to me, nor have you proven the validity of the alleged debt through the data furnisher. 
XXXX. Violation of 15 U.S. Code 1681s-2 Duty of Furnishers to Investigate and Report Accurately Credit reporting agencies are prohibited from reporting information if they know or have reasonable cause to believe it is inaccurate. This account reflects multiple charge-offs monthly across XXXX, which is factually and legally incorrect, as a charge-off can only occur once and not be repeated month after month. This is a flagrant FCRA violation and misleading to potential creditors. 
XXXX. Deceptive and Unlawful XXXX Practices The continued monthly reporting of CO ( Charge-Off ) for over 48 months, long after the account was already charged-off, is deceptive, misleading, and harmful. Courts have held that repeated charge-off reporting is inaccurate and misrepresents the account status, including in XXXX XXXX XXXX XXXX  XXXX, XXXX, and XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX 
XXXX. Equifax XXXX Breach Victim Account Must Be Blocked As a confirmed victim of the XXXX  XXXX breach, I assert my right under 15 U.S. Code 1681c-2 ( FCRA ) to block the reporting of any information that resulted from identity theft or unauthorized access to my personal data. This account is under dispute and has not been validated. As such, you are legally required to block and remove this account from my credit report. 
XXXX. No Method of Verification Provided Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), you must provide a method of verification, yet none has been disclosed. This ongoing refusal constitutes non-compliance and obstruction, further supporting my claim of willful negligence and intentional emotional harm caused by persistent negative reporting.

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 2025-05-30 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS CLAIM TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.

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 2025-05-30 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: FL

Complaint narrative:
This letter is being sent in response to a notice received on XX/XX/year> from Department of Education. This notice is sent pursuant to the Fair Debt Collection Practice Act, Title 15 U.S.C. 1692g ( b ) that your claim is disputed & validation is requested. 

Please provide me all of the information. 

-Provide documentation showing that I agreed to pay for what is currently owed -Identify the creditor with full name and address -Provide proof that the Statues Of Limitations has not expired on this account -provide proof that you are licensed as a agency in the state of New York. 

Be advised that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, Experian, XXXX, ) this will constitute as a violation of my rights and a violation of the Fair Debt Collection Practices Act and/or other laws including 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 2025-05-30 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: NY

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 reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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 complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request.

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent.

Your continued reporting of them is reckless and potentially unlawful. 

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. 

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
This is a follow-up to PRA 's XX/XX/XXXX response for my request for full validation of the alleged XXXX XXXX account you claim to own. 

Specifically, I requested : The complete chain of title The bill of sale A schedule of receivables listing my account as part of the sale Previous Complaints # XXXX # XXXX To date, you have failed to produce any such documentation. The summary statement you provided does not satisfy the requirements under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), nor does it address my concerns raised under the Truth in Lending Act ( 15 U.S.C. 1641 ( g ) ). 

Moreover, I have since reviewed XXXX securitization agreements showing that XXXX XXXX XXXX ( XXXX ) XXXX XXXX. transferred ownership of account receivables including accounts like mine into the XXXX XXXX XXXX XXXX and XXXX XXXX Multi-asset Execution Trust as of XX/XX/XXXX. My account remained active through that period and was charged off in XXXX, making it highly likely that XXXX XXXX no longer retained legal ownership at the time of your alleged purchase. 

I want to be explicitly clear : What you provided a billing statement and a generic letter from XXXX XXXX only confirms that I once had an account with XXXX XXXX. 

It does not prove : That XXXX XXXX had the legal right to sell the account in XXXX That you are the lawful owner or assignee of the debt That you have any authority to collect or report this tradeline These documents are legally insufficient : A statement history only shows prior account activity. 
A letter from XXXX XXXX is not a bill of sale or assignment. 
You have failed to provide the chain of title including the bill of sale, schedule of accounts, or legal assignment showing XXXX XXXX had title at the time of transfer and that my account was included. 

Further, I have included XXXX securitization agreements indicating that XXXX XXXX transferred receivables like mine to a securitization trust ( XXXX XXXXXXXX XXXX XXXX and XXXX ) as early as XXXX XXXX months before the alleged sale to PRA in XX/XX/XXXX. My account was active and eligible during that period. 

Therefore : XXXX XXXX no longer legally owned the account at the time of the alleged transfer Any collection or reporting by PRA may constitute a violation of the FDCPA ( 15 USC 1692e ) and the FCRA ( 15 USC 1681s-2 ) If you can not provide proof of legal ownership and right to collect including a full bill of sale and account-level assignment I demand that you immediately : Cease all collection activity Remove any tradelines furnished to the credit bureaus Issue a full refund of any amounts paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: FL

Complaint narrative:
TRANSUNION has failed to comply with federal laws and regulations and are violating my personal consumer rights under federal and state laws. TransUnion has denied removing XXXX collection accounts from my personal consumer credit report, XXXX XXXX, and XXXX collection accounts under XXXX XXXX XXXX. I have disputed these accounts more then XXXX times over several months for many consumer law and Metro 2 violations and incorrect inaccurate info listed on report from these companies and transunion just keeps saying verified by 3rd party with is a violation of law and meets guidelines which is not correct. I have requested the reinvestigation procedures that are to be provided in 15 days which have not been provided, I have asked for proof of debt ownership, forward flow agreement, chain of title ownership, regulatory compliance, notice of assighnment and none of these have been provided or shown from these companies or by TransUnion which is required by law. There are several 15 USC 1681 and 1692 violations as well. I demand this account be removed at once from my personal consumer credit report for good in order to comply with all federal and state laws and my personal rights.

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