vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-05 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-05 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XXXXn, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-05 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: CA

Complaint narrative:
I am submitting a dispute regarding the following items on my credit report. I request an investigation into these items under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXXXXXX, XX/XX/XXXX, {$0.00} XXXX  XXXX XXXX XXXX, XX/XX/XXXX, {$950.00} XXXX  XXXX, XXXX, XX/XX/XXXX, {$1400.00} XXXX, XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX, XX/XX/XXXX, {$0.00} CAPITAL XXXX, XXXX XXXX XX/XX/XXXX, {$1400.00} Inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 2025-11-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I found a purchase transaction in the amount of {$540.00} on my Best Buy credit card account that I did not make. I never lost possession of my credit card, never shared my account number with anyone ( other than store personnel when making prior purchases ), nor authorized anyone at any time to use my credit account. I was not in the store on the day that the charge was made, and the store indicates that the item was picked up. It was certainly not picked up by me. 

I promptly notified the fraud number on the credit card. I later received letters stating that their " investigation does not substantiate the claim of unauthorized use. '' The disputed charge remains as part of my credit card balance. 

It appears to me that someone in that store, where I had made previous purchases, had access to my credit card number, and participated in this fraudulent charge, and Best Buy refuses to accept this and remove the charge from my account.

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 2025-11-05 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: DC

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  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
This trash company needs to delete my data from it's online system! I want no logins or profiles saved or else!

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 2025-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Family Member used XXXX send money from XXXX XXXX account : XXXX XXXX XXXX account XXXX  times to My account XXXX from XXXX XXXX account send {$3500.00} to BOA XXXX XXXX XXXX BOA send a email to XXXX : XXXX send you {$3500.00} XXXX XXXX XXXX XXXX  Chase Transaction number : XXXX XXXX -- XXXX From XXXX XXXX account send {$1500.00} to BOA XXXX XXXX XXXX BOA send a email to XXXX : XXXX send you {$1500.00} XX/XX/XXXX XXXX Chase Transaction number : XXXX XXXX never get this money, we called XXXX call BOA called XXXX boa said this money never delievered, we don't have you money you need contact XXXX, we called XXXX, they said we never touch your money, you need call chase or boa, XXXX said you let us send the money, you money is gone, XXXX send to boa, you need call them, we been called everyday, the {$5000.00} disappeared, XXXX XXXX bank deducted {$3500.00} on XX/XX/XXXX and {$1500.00} on XX/XX/XXXX, Money just gone.

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 2025-11-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: W&A Intermediate Co., LLC
State: AL

Complaint narrative:
Was sent to the hospital due to feeling XXXX, in the state of XXXX  youre forced to go, was never seen by a doctor or helped. Nurses talked to me XXXX  and I never got any treatment. Left because I repeatedly said I can not afford this let me leave

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-05 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: CA

Complaint narrative:
I am disputing the following accounts that are inaccurate or incomplete according to my credit report. I respectfully request a thorough investigation and correction of these items in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$53.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$570.00XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1000.00} Late Payments : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  XXXX XXXX  Account Number : XXXX Inquiries : XXXX Date Open : XX/XX/XXXX XXXX  Date Open : XX/XX/XXXX Positive Accounts : XXXX XXXX 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 2025-11-05 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: CA

Complaint narrative:
I am writing to dispute multiple items that are inaccurately reported on my credit report. I have reviewed my credit report from all three major bureaus, and the following accounts are being disputed. I respectfully request that these items be investigated for accuracy, and if any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

CHARGED OFF XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$800.00} XXXXXXXX XXXX XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$750.00} XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$2400.00} XXXX XXXX XXXXXXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$5700.00} XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Open Date : XX/XX/XXXX, Balance : {$8300.00} LATE PAYMENT XXXX, Account Number : XXXXXXXX XXXX, Account Number : XXXXXXXX XXXX, Account Number : 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 2025-11-05 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:
I am filing this complaint because [ XXXX  / Equifax XXXX XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within XXXX  days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX XXXX, LLC ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX XXXX  ( XXXX ), XXXX  paid {$23.00} million after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
This complaint is submitted on behalf of XXXX XXXX XXXX by his authorized representative, XXXX XXXX of XXXX XXXX XXXX, XXXX, against Experian for willful and negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 1681s-2. Despite multiple dispute notices and clear evidence that the information reported is false, Experian continues to report inaccurate late payment information for the account XXXX XXXX  XXXX Account XXXX. XXXX, with alleged delinquencies for XXXX and XX/XX/year>. XXXX XXXX has never failed to make timely payments, and these entries are the result of internal reporting errors from the furnisher, not from any consumer conduct. Experian was obligated under FCRA 1681i ( a ) to conduct a reasonable reinvestigation and under 1681s-2 ( a ) ( 1 ) ( A ) to ensure that all furnished data is complete and accurate, yet the bureau verified this false information without providing any supporting documentation or transparency regarding its verification process. To date, Experian has failed to produce any records substantiating the alleged late payments, has not identified the individual responsible for the verification, and has not described the method or data source used. These failures clearly demonstrate that no legitimate reinvestigation was conducted and that the bureaus response falls far below the standard required by federal law. The continued reporting of unverifiable and inaccurate information constitutes willful and negligent Experian under FCRA 1681n and 1681o, reflecting XXXX disregard for consumer rights and its statutory obligations. On behalf of XXXX XXXX, XXXX XXXX XXXX, XXXX demands that the Consumer Financial Protection Bureau compel Experian to immediately delete all inaccurate late-payment notations, provide verifiable documentation of any reinvestigation conducted, and impose appropriate enforcement measures for willful noncompliance. XXXX XXXX, through his authorized representative XXXX XXXX, further requests written confirmation that these false entries have been permanently removed and that Experian has ceased reporting any unverified information. The bureaus repeated failure to substantiate or correct the data after notice constitutes reckless indifference to federal consumer protection law, and immediate regulatory action is warranted to restore accuracy and accountability within Experians reporting 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 2025-11-05 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: AZ

Complaint narrative:
I was visiting XXXX when my phone was stolen, the thiefs were able to gain access to my phone and take it on a shopping spree. They used Apple Pay to buy multiple items. They also drained my bank account. I sent Goldman sacs the police report, proof from the phone company showing that I reported the phone as stolen, proof I had to buy a new phone, proof that it happened on multiple other accounts, what more do they want. I did not make these charges but they dont even call me back or tell me why its denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have been making my payments every month with Ally Financial, yet they are reporting me XXXX days late every month. When I call them, they give me a different answer each time. I have proof of my payments. Now I got an email from them stating that I am XXXX  months behind on my payments. I have made my payments and will include proof of the last XXXX months of payments with this complaint. I also have all of my previous months payments as well if you need them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: The CBE Group, Inc.
State: TX

Complaint narrative:
I disputed fraudulent accounts on XXXX & XX/XX/year> identity theft account does not belong to me. 
Contacted company requesting information- unsuccessful Requesting immediate removal and updated credit repair

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: Self Financial Inc.
State: TX

Complaint narrative:
I disputed fraudulent accounts on XXXX & XX/XX/year> identity theft account does not belong to me. 
Contacted company requesting information- unsuccessful Requesting immediate removal and updated credit repair

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: CA

Complaint narrative:
I am writing to dispute the following inquiry on my Equifax credit report, as I believe it to be inaccurate or unauthorized : Account Name : XXXX Date Opened : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I am submitting a dispute for several accounts and inquiries listed on my TransUnion credit report. These items are either inaccurate or need further verification in accordance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed accounts : 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 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