vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
Re : Formal Dispute Demand for Validation and Immediate Removal of Unverified Accounts To Whom It May Concern, This letter serves as a formal dispute and demand for validation under the Fair Credit Reporting Act ( FCRA ), Section XXXX ( a ) ( XXXX ) ( A ) and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX and XXXX. 

According to federal law, you are required to provide verifiable proofspecifically, the original consumer contract bearing my signaturefor any account you report. Without such proof, your reporting is unreliable and exposes consumers to fraudulent accounts. 

Under XXXX, debt collectors and furnishers must provide proper validation of alleged debts upon request. Under XXXX, you are prohibited from continued collection or reporting activity without first providing the requested validation. 

Your failure to positively verify these accounts has directly harmed my ability to obtain credit. Therefore, I demand that you either provide verifiable proof or immediately delete the following accounts from my credit file : Account Name : XX/XX/XXXX Account Number : XXXXXX/XX/XXXX Account Name : XXXX XXXX Account Number : XXXXXX/XX/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 2025-12-01 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: MI

Complaint narrative:
I disputed many accounts on my Experian credit report due to the fact none of the account holders were licensed in the state of Michigan, where I live and have always resided in. I provided screen shots from XXXX ( XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX proving that each were not licensed in Michigan. To no surprise the " dispute '' results I received were that the accounts were either unchanged or updated not including account information. I used the chat feature and was told all I could do was reach out to the collection agencies/ debt collectors directly. The chat AI bot also continuously said that Experian follows federal rules and regulations and is committed to only reporting accurate information. This is demonstrably false when any collection agency or debt collector and pay the membership fee and report any account they wish. Simply because the burden of proof is put directly onto the consumer. This is unacceptable and is evidence that said credit reporting bureau has not learned any lessons from any of the previous class action lawsuits regarding the lack of actual investigation into consumer disputes. 
The following are the companies who hold the accounts I disputed : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX Collection agency ; license required for each place of business ; exceptions to licensing requirement of subsection ( XXXX ) ; qualifications of applicant. 
Sec. XXXX. 
( XXXX ) Except as otherwise provided in this article, a person shall not operate a collection agency or commence in the business of a collection agency without XXXX  applying for and obtaining a license under this article from the department for each place of business. 
( XXXX ) A person is not subject to the licensing requirement of subsection ( XXXX ) if the person 's collection activities in this state are limited to interstate communications. This subsection does not exempt a person from other requirements of law that regulate collection practices.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Im writing you again regarding an unresolved dispute I submitted about inaccurate late payment ( s ) being reported on my credit file. Since you failed to correct or remove the account despite clear legal grounds, I have now submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ). This letter serves as a final demand for resolution before taking further legal steps. 
Account Details in Dispute : 1. XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management is furnishing inaccurate and misleading information to XXXX. 

Collections can not report past due amounts, yet this furnisher is reporting a {$340.00} past due balance, which violates the FCRA and the XXXX XXXX reporting guidelines. 

The account also contains inconsistent status dates and payment history codes that do not match the original creditors records. 

I am requesting an investigation and full deletion of this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Capitol one credit card said I was late paying the bill for the month of XX/XX/year> all payments have always been made on time never been late had this card for years

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MI

Complaint narrative:
After reviewing my credit report I noticed that my credit report has obvious errors due to an inaccurate payment history on my account. The account that I am disputing is : XXXX. XXXX  XXXX - {$1500.00} - This credit card account has is reporting inconsistent payment histories across the XXXX reporting agencies. This account reports a XXXX  day late in XX/XX/year> and a XXXX  day late in XX/XX/year> on XXXX and XXXX profiles. On my Equifax report this account is reporting a XXXX  day late in XX/XX/year> and a XXXX  day late in XX/XX/year>. These entries can not all be accurate at the same time. this is a clear violation of the FCRA and these entries need to be updated to ( OK - current ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: CA

Complaint narrative:
I am submitting this follow-up to formally dispute multiple inaccuracies on my credit reports, which have been reported inconsistently across Experian, Equifax, and TransUnion and violate several provisions of the Fair Credit Reporting Act ( FCRA ). My personal identifying information is inaccurately reported as XXXX XXXX and XXXX XXXX in Experian, and my addresses are incorrectly listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in TransUnion. These errors violate 623 ( a ) ( 1 ) ( A ) Obligations of Furnishers, 623 ( a ) ( 2 ) Duty to Correct and Update, and 607 ( b ) CRA Accuracy Requirements, and have caused multiple accounts including late-open, late-closed, and charge-off accounts to be misattributed or duplicated. I request immediate correction of my personal information to reflect my true identity and current addresses.

In addition, I am disputing numerous late-open accounts with inconsistent reporting. For example, XXXX XXXX XXXX XXXX XXXX XXXX ( Balance : {$16000.00}, opened XX/XX/XXXX, last payment XX/XX/XXXX ) shows repeated late payments from XX/XX/XXXX through XX/XX/XXXX, including 30-, 60-, 90-, and 120-day delinquencies, which are reported differently between Experian and TransUnion. These discrepancies violate 15 U.S.C. 1666 Correction of Billing Errors, 1666a Creditor Restrictions, 611, 623 ( a ) ( 2 ), 605 ( a ), and 609.

Late-closed accounts including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX show inconsistent late payments and balances between bureaus, violating 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 605 ( a ) ( 5 ), 611, and 602 ( A ). Furthermore, charge-offs including XXXX XXXX XXXX XXXX ( {$4600.00} ), XXXX XXXX XXXX ( {$4200.00} ), XXXXXXXX XXXX XXXXXXXX ( {$9200.00} ), XXXX XXXXXXXX XXXX XXXXXXXX ( {$1800.00} ), XXXX XXXXXXXX ( {$1700.00} ), and XXXXXXXX XXXX XXXXXXXX ( {$11000.00} ) are reported inconsistently across bureaus with conflicting balances and dates of first delinquency, violating 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 605 ( a ) ( 4 ), 611, and 602 ( A ).

Additionally, multiple inquiries, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, are reported on Equifax without permissible purpose, beyond allowable reporting limits, or are otherwise unauthorized, violating 604 ( a ), 605 ( a ), and 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this follow-up to formally dispute multiple inaccuracies on my credit reports, which have been reported inconsistently across Experian, Equifax, and TransUnion and violate several provisions of the Fair Credit Reporting Act ( FCRA ). My personal identifying information is inaccurately reported as XXXX XXXX and XXXX XXXX in Experian, and my addresses are incorrectly listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in TransUnion. These errors violate 623 ( a ) ( 1 ) ( A ) Obligations of Furnishers, 623 ( a ) ( 2 ) Duty to Correct and Update, and 607 ( b ) CRA Accuracy Requirements, and have caused multiple accounts including late-open, late-closed, and charge-off accounts to be misattributed or duplicated. I request immediate correction of my personal information to reflect my true identity and current addresses.

In addition, I am disputing numerous late-open accounts with inconsistent reporting. For example, XXXX XXXX XXXX XXXX XXXX XXXX ( Balance : {$16000.00}, opened XX/XX/XXXX, last payment XX/XX/XXXX ) shows repeated late payments from XX/XX/XXXX through XX/XX/XXXX, including 30-, 60-, 90-, and 120-day delinquencies, which are reported differently between Experian and TransUnion. These discrepancies violate 15 U.S.C. 1666 Correction of Billing Errors, 1666a Creditor Restrictions, 611, 623 ( a ) ( 2 ), 605 ( a ), and 609.

Late-closed accounts including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX show inconsistent late payments and balances between bureaus, violating 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 2 ), 605 ( a ) ( 5 ), 611, and 602 ( A ). Furthermore, charge-offs including XXXX XXXX XXXX XXXX ( {$4600.00} ), XXXX XXXX XXXX ( {$4200.00} ), XXXXXXXX XXXX XXXXXXXX ( {$9200.00} ), XXXX XXXXXXXX XXXX XXXXXXXX ( {$1800.00} ), XXXX XXXXXXXX ( {$1700.00} ), and XXXXXXXX XXXX XXXXXXXX ( {$11000.00} ) are reported inconsistently across bureaus with conflicting balances and dates of first delinquency, violating 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ), 605 ( a ) ( 4 ), 611, and 602 ( A ).

Additionally, multiple inquiries, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, are reported on Equifax without permissible purpose, beyond allowable reporting limits, or are otherwise unauthorized, violating 604 ( a ), 605 ( a ), and 611.

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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> my account without notice or warning got closed down by Chase bank. I called immediately to figure what and why they closed my account and no reasoning or explanation was given. I also walked into a location on XX/XX/year> to try and resolve or get answers and not even there. They closed my ONLY account with money that that I use to pay bills and rent! Many bills went past due and made hard on me to resolve without an account to satisfy them. They mentioned they would send out a letter in the mail including what was in my balance at the time of closing. Its now been XXXX  days and nothing have I received. This is very frustrating, and disappointing that after XXXX  years of being loyal and a consistent client, they decide to put me in a difficult position.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NC

Complaint narrative:
This letter is a formal dispute and fraud complaint regarding the XXXX XXXX XXXX account being reported under my name. After reviewing the documents, I confirmed that the buyers signature on the Retail Installment Contract is not my signature, was not written by me, and does not match my legal signature in any capacity.

The signature shown on the contract is my full name written out in print. I do not sign my full name on any legal or financial documents. My actual legal signature is shortened, stylized, and completely different from the handwriting on this contract. The handwriting on the contract is printed, not cursive, and does not match my handwriting at all. I did not write it, I did not authorize it, and I did not sign that contract. 

To support this dispute, I have attached a copy of my drivers license, which contains my real legal signature. The comparison clearly shows that the signature XXXX submitted is forged and not written by me. 

Because the signature is not mine, the contract is fraudulent, void, and unenforceable. XXXX is furnishing information that is inaccurate, unverified, and can not be supported with a valid, authentic consumer signature. Under FCRA 602, 607 ( b ), 611, FCRA 623, FACTA, Metro 2 reporting standards, and federal forgery laws ( 18 U.S.C. 471473 ), no company may report an account that is not tied to a legitimate consumer-signed contract.

I am demanding the following actions : 1. Remove the XXXX XXXX XXXX account from my credit reports immediately because there is no valid contract associated with my name.

2. Remove all hard inquiries related to this fraudulent account.

3. Provide written proof of validation, including the original wet-ink signature, the full application, identity verification records, and all supporting documents.

4. If you can not produce my true, verifiable signature, the account must be deleted under federal law.

5. Mail the results of your investigation to me within the legally required timeframe.

If this matter is not resolved, I will file complaints with the CFPB, the Attorney General, and the FTC for identity misuse, and pursue additional action under FCRA 616617 for damages. 

This account was opened with a forged signature, and I am asserting my rights under federal law to have it removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: MD

Complaint narrative:
My identity has been affected by the breach, and my personal information has been compromisedans used. Please block and remove these accounts per FCRA guidelines 15 USC 1681c2 please refer to upload letter with acct info and forward me a copy of my report once complete. see uploaded dispute.

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 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Old Republic National Title Holding Co.
State: IL

Complaint narrative:
Issue : Fraudulent title insurance closing Company : Old Republic Title Description : Old Republic Title processed an illegal and fraudulent closing for XXXX XXXX XXXX XXXX, based on a deed that was forged and notarized without the signer present. The elder owner did not sign any document. A notary notarized it without proper verification. XXXX XXXX issued title documents knowing the situation was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was denied credit in XXXX and ran my credit report and found accounts I did not open or addresses I did not live.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-12-01 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: TX

Complaint narrative:
Please review the attachments to see my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
Please review the attachments to see my complaint.

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I signed up for a monthly membership at a gym that closed for renovations shortly after I joined. As a result, I never received any of the services I paid for. The gym declined to issue a refund despite the fact that the services were never provided. and amterially different than advertised. 

I filed a dispute with my credit card issuer ( Apple Card, issued by Goldman Sachs ) stating that I paid for services that were not delivered. Despite submitting multiple disputes through Apple Card support, the bank denied or closed each dispute without resolving the issue. 

After several unsuccessful attempts, I notified Apple Card/Goldman Sachs that I would not pay for a charge related to services I never received, and I closed the account. However, they continue to send me an invoice demanding payment for the disputed amount. 

I am requesting assistance to have this invalid charge removed from my account and to prevent any interest, late fees, or negative credit reporting related to this dispute. This charge is not valid because the merchant did not provide the services I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Collection Management Holdings, LLC
State: GA

Complaint narrative:
I filed a dispute on XXXX XXXX Acct XXXX XXXXXXXX due to inaccurate information and XXXX  denied to follow up with the investigation. I have been researching and seen that there was a lawsuit CFPB had against XXXX. They alleged the company of accepting unreliable information, failing to notify accurate and thoroughly investigating consumer dispute results. All of these different factors align with my problems because XXXX  has not attempted ton removed or correct any of the information on my consumer report. I am requesting that this derogatory remark be removed as this has been a major impact on my chances of getting a house, car, and even building for my business! XXXX has violated my rights and a consumer as well as the XXXX  laws.

Company response to consumer: Closed with explanation