vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I am disputing the reported late payment ( s ) on my account as the information is inaccurate. Under 15 U.S. Code 1681i and 15 U.S. Code 1681e ( b ), all information reported to credit bureaus must be complete and accurate. I request that you investigate this account, update the late payment remarks if the information is verified, or remove the late payment entirely if it can not be substantiated. Please provide documentation to validate the accuracy of this 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 2025-09-30 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: OK

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 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 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 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 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-09-30 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: VA

Complaint narrative:
I am filing this complaint because TransUnion continues to report a XXXX  XXXX account ( opened XX/XX/2023 ) on my credit reporteven though XXXX  has already removed the same account after my dispute. This ongoing, inconsistent reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ( b ) ) and unfairly harms my creditworthiness.

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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/year>, XXXX suspended my debit card from XXXX XXXX without any prior notice. When I contacted customer service, the representative was rude, dismissive, and refused to provide any explanation for why my account was being restricted. Later that day, I went into the XXXX branch, where I was able to withdraw my remaining funds, but the staff treated me as if I had done something wrong or committed a crime. 

XXXX has still not provided a clear reason for why my account was closed. I believe this closure XXXX have been retaliatory, as I had recently filed a CFPB complaint against XXXX regarding how my XXXX dispute was handled. If true, this would be an unfair and abusive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report over 30 days ago, but I have not received a response. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate and respond within 30 days of receiving a dispute. The failure to respond constitutes a violation of the Fair Credit Reporting Act ( FCRA ). I request that the disputed items be fully investigated and corrected or 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 explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a dispute regarding inaccurate information on my credit report over 30 days ago, but I have not received a response. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit reporting agencies are required to investigate and respond within 30 days of receiving a dispute. The failure to respond constitutes a violation of the Fair Credit Reporting Act ( FCRA ). I request that the disputed items be fully investigated and corrected or 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 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Stellantis Financial Services US Corp.
State: FL

Complaint narrative:
My vehicle was wrongfully repossessed by First Investors Servicing Corporation ( a Stellantis Financial Services company ) on XX/XX/XXXX, even though I made a good-faith effort to cure my delinquency. 

On XX/XX/XXXX, I attempted to pay {$850.00} total toward my account. I provided payment information for {$600.00} from my bank account and added my sister on the line to make a {$250.00} payment from her account. The company processed only the {$250.00} payment but failed to process the {$600.00}, despite having received my valid account information. Their own transaction history shows this only {$250.00} applied, {$600.00} missing. 

Despite my effort to pay, the company repossessed my vehicle and then sent me : A XXXX XXXX ( XX/XX/XXXX ), which listed my next due date as XX/XX/XXXX ( after the repossession ), but still included the XXXX payment as if it were past due. It also admitted fees XXXX be added later, meaning the accounting is incomplete and speculative. 

A Notice XXXX XXXX to Sell ( XX/XX/XXXX ), which is defective under Florida Statutes XXXX because it does not state the specific date, time, or place of sale, and it misstates my rights by requiring full loan payoff instead of lawful reinstatement. 

Because my {$600.00} payment was ignored, I was not in valid default on XX/XX/XXXX under Florida XXXX XXXX. Repossessing under these circumstances is unlawful. 

What I am seeking : Halt the planned sale of my vehicle until this dispute is resolved. 

Require the company to provide a corrected, final itemized accounting with vendor invoices. 

Require the company to explain why my {$600.00} payment was not processed. 

Reinstate my account under the proper terms without speculative or unlawful fees.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because TransUnion has knowingly polluted my credit report with false, derogatory, and completely unverified accounts. These entries are fraudulent, inaccurate, and illegally reported under the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. 

Specifically : XXXX XXXX Reported as charged off with a balance of {$12000.00}. I have never opened or used this account. No documentation has ever been produced to validate its existence. Yet TransUnion continues to report it as derogatory, with a last activity date of XX/XX/XXXX and last reported on XX/XX/XXXX This is outright defamation. 

XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Reported as a collection account for {$470.00}. I have XXXX connection to this debt. TransUnion has provided no evidence to support its reporting. Still, it was last updated as recently as XX/XX/XXXX This is a reckless and unlawful publication of false information. 

XXXX Listed with a so-called high credit of {$100000.00}, labeled as a paid charge-off. This is completely fictitious. I have never held such an XXXX account. Despite showing a {$0.00} balance, it remains derogatory and was last reported on XX/XX/XXXX Keeping a fraudulent account like this on file is a blatant violation of accuracy requirements. 

I have demanded verification. To date, TransUnion has failed to provide a single shred of documentation proving these accounts belong to me. They are not mine, and TransUnion knowsor should knowthat reporting unverifiable accounts violates both the FCRA and Metro 2 guidelines. 

This is not sloppy reporting. This is willful misconduct. TransUnion is reporting accounts without proof, beyond the reinvestigation deadlines, and in a way that has caused direct, measurable harm to my credit profile. By maintaining false derogatory entries, TransUnion is in gross violation of FCRA 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ), along with Metro 2 compliance standards. 

TransUnions conduct is unlawful, reckless, and indefensible. These fraudulent accounts must be recognized as what they are : illegal entries that never should have appeared on my credit file in the first place.

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 2025-09-30 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXXXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I noticed a new account opened that I didnt authorize listed under my Sychrony accounts that I didnt authorize. There was a charge for {$490.00} for a XXXX XXXX card. When I called XXXX, they verified the account was opened under another address. I froze all of my credit eports on XX/XX/year>. The account was opened on or around XX/XX/year>.

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 2025-09-30 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am writing to formally dispute inaccurate information that has been reported on my credit file. I have never lived in New York, nor have I engaged in the activity associated with this account. I am a victim of fraud and should not be penalized for actions in which I had no involvement. 

Under 15 U.S. Code 1681s2 of the Fair Credit Reporting Act, furnishers of information are prohibited from reporting information they know or should know is inaccurate. Reporting this fraudulent account violates my rights under federal law. 

I am requesting that you immediately investigate this matter and remove the fraudulent information from my credit report. Please confirm in writing once this correction has been made.

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 2025-09-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: GOLDMAN SACHS BANK USA

Complaint narrative:
My step-mother ( who is now XXXX XXXX XXXX suffering from severe XXXX and in a XXXXXXXX XXXX  ) has had a savings account with Marcus by Goldman Sacs for a number of years. It was funded by the proceeds from the sale of my father 's house. My step-mother and I have, for over 15 years, had a joint checking account so that I could manage all of her finances. I have been gradually depleting her savings account since it was opened using the money to pay for her XXXXXXXX XXXX  care and other expenses. Back in early XXXX, I tried to make a transfer from her Marcus savings account to her local bank checking account. I was informed that I needed to submit a Financial Power of Attorney and notarized affidavit, which I did. I sent it to them by registered mail on XX/XX/year>. The XXXX XXXX notified me that it arrived in their mailbox on XX/XX/XXXX. After submitting this required documentation, I have contacted XXXX several times by phone to determine the status of my request for transfer of funds. Each time, I go through the same wait and hold, stall and delay, talk with a specialist, etc, etc. Once, on XX/XX/year>, when speaking with XXXX in their office, I put her on speaker phone when they wanted to speak with her ( XXXX XXXX XXXX demented lady who doesn't know where she is ). I arranged to be with her in the XXXXXXXX XXXX in XXXX, Georgia on that day, so she could answer their questions. Her answers, though likely not understandable to them, should have been recorded by them as have been all of our telephone communication. I have been told on two separate occasions that the check has been processed and readied for mailing. Subsequently, my step-mother received a statement from Marcus indicating that her account had been closed by them on XX/XX/year>. The remaining amount in her account was {$2600.00}.... which they had reduced by {$240.00}, which they claim was interest charge-back on her account... leaving a balance, according to them of {$2400.00}. Now, over 5 weeks later, she still has not received a check for her money. And I think there is NO justification for an interest charge-back to her on money that Marcus is still in possession of. My phone call with XXXX at Marcus again today, produced NO results.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Lending Services LLC
State: ND

Complaint narrative:
I HAVE CONTACTED GLOBAL LENDING SERVICES VIA EMAIL, LETTERS, CHAT, ONLINE WEBSITE CONTACT US - I HAD THIS ISSUE BEFORE TO TRY TO GET SOMEONE TO CLARIFY THE ACCOUNT BALANCE AND TO PROCESS THE RIGHT PAYMENT. I ONLY AUTHORIZED XXXX, NOT XXXX AND GLOBAL TOOK XXXX. NO NOTIFICATIONS OF LATE PAYMENTS. IF THEY DO NOT REVERSE AND CONTACT ME VIA EMAIL, THIS WILL BE REVERSED ON THIS CC. IF YOUR CUSTOMER SERVICE CAN NOT BE REACHED THEN YOUR FAILING YOUR CUSTOMERS. YOU HAVE DONE THIS BEFORE. YOUR REVIEWS ARE IN THE DUMPS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
Complaint Regarding Improper Collection of Towing Debt Dear Sir or Madam, I am filing this complaint regarding a collection agency that is attempting to collect a debt which I do not legally owe. Below is a summary of the situation : - On XX/XX/XXXX, I sold my vehicle. At the time of sale, I did not collect the buyers full information, but I did subsequently file a Report of Sale with the XXXX  State Department of Licensing ( DOL ).

- The Report of Sale lists the buyers name and was filed in compliance with RCW 46.12.650, which under RCW 46.12.655 and RCW 46.55.105 ( 4 ) relieves the seller from civil liability, including towing and impound fees, after the date of the sale. 
- In XX/XX/XXXX, the vehicle was towed as an abandoned vehicle. Because the buyer never registered the car, the notice of impound was still sent to me as the last registered owner. 
- Shortly thereafter, I received a demand letter from collection agency seeking payment for towing and impound fees. From the towing notice, we also know that the car must have been sold through the towing auction. 
- I responded to the collection agency with a copy of my Report of Sale and an explanation that the vehicle had been sold nearly a year before the impoundment date. 
- Despite this, the collection agency has continued to send me bills and is attempting to collect the debt, even though I am not legally responsible. 

This collection activity is misleading and appears to be in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), as they are attempting to collect a debt without providing valid proof that I am responsible for it, and despite clear legal evidence ( Report of Sale ) that I am not.

I am requesting the Bureaus assistance to : 1. Require the collection agency to cease further collection efforts against me ; 2. Ensure that no negative credit reporting related to this improper debt is made or remains on my credit history ; 3. Investigate the collection agencys practices in this matter.

Enclosed are the following supporting documents : 1. Copy of the XXXX State Department of Licensing Report of Sale ; 2. Declaration of non-responsibility ( used for other infraction case ) ; 2. Copy of the debt validation notice and subsequent billing statement from collectors.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation