vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: TN

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
This letter serves as a formal billing error dispute under 15 U.S. Code 1666 ( b ) and a direct dispute under the Fair Credit Reporting Act ( FCRA ).

Billing Error Violations under 15 U.S. Code 1666 ( b ) : Failure to properly reflect payments made or credits issued.

Computation or accounting errors. 

Failure to provide billing statements 21 days prior to the due date. 

Since no proper billing statements were provided prior to reporting late payments, any derogatory reporting on these accounts constitutes an illegal billing error. You have no legal basis to report any late payments. 

Accounts In Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting a 30-day late for XX/XX/year> on all three bureaus without valid documentation, original billing statements, or Metro 2 compliance. No proof of delinquency exists. You are reporting fabricated data. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting 30-day lates for XXXX and XX/XX/year>. This is factually incorrect, unverifiable, and violates FCRA and Metro 2 standards. 

Violations Identified : 15 U.S. Code 1681b No permissible purpose to report inaccurate derogatory information.
15 U.S. Code 1681e ( b ) Failure to ensure maximum possible accuracy.

15 U.S. Code 1681i Failure to conduct proper reinvestigation within 30 days.

15 U.S. Code 1681n and 1681o Willful and negligent noncompliance with the law. 

I demand immediate deletion of these late payments across all reporting platforms. This is not a request. This is a demand backed by federal law. If these accounts are not corrected or deleted immediately, I will file for monetary damages under 15 U.S. Code 1681n in small claims court for willful violations of my consumer rights.

Be advised that this complaint has also been submitted to : Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office XXXX XXXX XXXX XXXX XXXX  XXXX Federal Trade Commission ( FTC ) You are fully liable for any continued reporting of inaccurate data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-06-24 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: VA

Complaint narrative:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: KS

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX  HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: PA

Complaint narrative:
I am submitting a formal complaint regarding inaccurate information being reported by all three major credit bureaus : XXXX, XXXX, and XXXX. 

My Discover credit card ending in XXXX is incorrectly showing an outstanding balance on my credit reports. This account has been paid off in full, and Discover has confirmed that the current balance is {$0.00}. Despite this, the credit reporting agencies have failed to update the information accordingly. 

I have contacted Discover, and they verified that they have submitted the correct balance to the bureaus. The issue appears to be with XXXX, XXXX, and XXXX  not reflecting the accurate data in their reports. 

This incorrect information is impacting my credit profile and may affect my ability to access credit fairly. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue and take action to ensure that the credit bureaus correct my account information immediately. 

Thank you for your help and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im contacting you regarding inaccurate and unacceptable information listed on my credit report, which does not comply with the Fair Credit Reporting Act ( FCRA ) particularly the requirement that all reported information be complete, fair, and as accurate as possible. 

After reviewing my credit file, I identified a specific item that is not meeting the FCRAs standard of maximum possible accuracy, and Im demanding that it be immediately deleted from my 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 explanation
Consumer complaint received 2025-06-24 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 
ACCOUNTS : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-24 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HARD INQUIRIES that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 
ACCOUNTS : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Date : XX/XX/year>XXXX  Barclays Bank Delaware XXXX. XXXX XXXX XXXX, DE XXXX RE : Unauthorized Credit Inquiry Request for Removal To Whom It May Concern, I am writing to formally dispute a credit inquiry that appears on my credit report from your company, Barclays Bank Delaware . I recently reviewed my credit report and noticed a hard inquiry from Barclays Bank Delaware that I did not authorize. I have never applied for any type of credit, loan, or account with your institution. 

For your reference, the details of the inquiry are as follows : Company Name : Barclays Bank Delaware Date of Inquiry : XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate or unauthorized. Since I did not authorize this inquiry, I respectfully request that it be removed from my credit file with all three major credit bureaus : XXXX, XXXX, and XXXX. 

Please provide written confirmation once this inquiry has been removed or investigated. If you require any additional information from me to complete your investigation, do not hesitate to contact me at the phone number or address listed above. 

Thank you for your prompt attention to this matter.

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 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I had been an Apple credit card user for many years, almost since the product 's launch. At one point, I merged my card with my partner 's, but eventually, we decided to separate our accounts. To do this, Goldman Sachs required us to close the accounts. Afterward, I attempted to reapply for my own card but was denied due to an identity verification issue.

I reached out to credit card support numerous times, and we exhausted all possible explanations for the denial. I tried to reapply from different devices and even completed the application while connected with a specialist. Each time, it appeared that the application was going through, but about ten minutes later, I would receive a denial notice ( XXXX XXXX XXXX ).

I spoke with managers and the fraud department, asking them to conduct a manual review of my application. I even offered to provide them with a package of identity verification documents, but I was informed that the process is completely automated and that there is no team available for manual reviews. No one could provide specific guidance on how to resolve this situation ; I was only given general advice to try reapplying in the future. Four months later, the issue still persists.

I have also checked my credit bureau information and contacted the Apple XXXX team - everything appears to be up to date and accurate. This is my last hope to uncover any answers and gain insight into whats happening with my identity at Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-24 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: NC

Complaint narrative:
DEPT OF EDUCATIONXXXX XXXX XXXX XXXXXXXX I am writing to formally dispute and request the removal of an account from my credit report related to XXXX XXXX XXXX , a school that has since been permanently closed and involved in legal action. The account in question is negatively affecting my credit and is no longer valid due to the following circumstances : XXXX XXXX XXXX permanently closed in XXXX. 

The institution was involved in federal investigations and lawsuits regarding deceptive practices. 

A class action lawsuit and borrower defense process led to the discharge of many former students federal loans, including mine. 

As part of the settlement, my debt was fully discharged and is no longer valid or collectible.

According to the Fair Credit Reporting Act ( FCRA ), only accurate and current information should appear on my credit report. Since the debt has been legally discharged and the institution is no longer operational, I am requesting the complete removal of this account from my credit report. 

Please find attached : A copy of my credit report highlighting the account in question Documentation of the loan discharge or class action settlement ( if available ) A copy of my government-issued ID Proof of address ( such as a utility bill or lease agreement ) I respectfully request that you investigate this matter and remove the XXXX XXXX XXXXrelated account from my credit report. Please provide a written confirmation once the investigation is complete and the necessary corrections have been made. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Johnson Mark LLC
State: HI

Complaint narrative:
I am being wrongfully sued by XXXX XXXX XXXX XXXX in XXXX  XXXX XXXX case XXXX for a debt that I did not incur. This debt appears to be the result of identity theft. 

In XX/XX/year>, I submitted an identity theft affidavit and supporting documentation to the plaintiff and their attorneys, Johnson Mark LLC. They failed to respond in a timely manner and continued to pursue the case in court. 

At one hearing, they stated that they had found in favor of their client, contradicting a previous statement that my affidavit was under review. At a later pretrial conference, they reversed their position again and claimed the affidavit was incomplete, over a year after submission. This delay appears intentional and harmful. 

The court also ordered the plaintiff to produce discovery and case documentation, but they have repeatedly failed to comply. Ive had to prepare and file motions to compel responses, all while defending myself against a debt I do not owe. 

Their actions have caused significant financial and emotional hardship. I have spent dozens of hours responding to filings, attending hearings, and trying to correct an error that should have been resolved long ago had the plaintiff acted in good faith. 

I am asking the CFPB to investigate XXXX XXXX XXXX and their attorneys, Johnson Mark LLC, for failing to properly investigate identity theft claims, misleading the court, and continuing collection efforts in bad faith. Their conduct appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and is an abuse of the court process.

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 2025-06-24 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: NJ

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Complaint against TD bank And Reps XXXX ( credit card ) XXXX  ( business ) Your reps are rude, they are wasting customer time and company time It took me 6 phone calls and my issue not resolve yet What time of company is this? 
I was asked to call back to remove the late fee when your company failed to registered me for auto pay Remove the fee and train your employees to have manners and for then not to over talk while customer speaking Where r u hiring these people? 
They work for a bank not a market Its really a bad image for your bank and Im forwarding this info to the ceo

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

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 2025-06-24 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: IL

Complaint narrative:
They are reporting a late payment on my consumer report that is over 5 years old that needs to be removed, And I don't know why they have not removed it. The late payment is dated from XXXX of 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation