vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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 remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: Westlake Services, LLC
State: MS

Complaint narrative:
On XX/XX/year> I had an inquiry on two of my credit reports that i did not authorize from WESTLAKE SERVICE INC

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful

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 2025-11-14 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: NY

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-14 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: GA

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On or about XX/XX/year>, I paid {$11000.00} in payments to bring my balances across XXXX credit accounts to XXXX. On or about XX/XX/year>, I requested my spouse to be added to XXXX account as an authorized user. 
On XX/XX/year>, I received XXXX notifications that my credit line had been reduced drastically on XXXX of my accounts, XXXX by {$5500.00} and XXXX by {$2000.00}. The reasons provided on the notifications were historical and accurate at the time of account openings. XXXX reason provided was " Insufficient experience with high lines of credit or credit amounts. As of the time the notifications were provided, I had been a customer of Capital One for approximately 12 years and had the XXXX accounts mentioned above for multiple years. With never being recorded late on my credit report for any of these accounts or others, and without being able to communicate with any members of the team that make these decisions, it made no sense to reduce my credit lines, thereby hurting my credit score.

I am alleging that this decision was not made on the factors provided to me as the account holder, but solely on the perceived creditworthiness of the authorized user. Being that this decision was not made on the reasons provided, and that the reduction in my lines caused harm to my credit rating, I would like to have the true reasons provided, my lines reinstalled to the prior limits, and an letter posted to all bureaus that this action was taken inappropriately.

As closing my Capital One accounts would only hurt my credit rating further, this is my only acceptable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I assert that the erroneous late payment entries on my accounts violate 15 USC 1666. I have consistently made timely payments, and these reporting errors are both unfair and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: LA

Complaint narrative:
I was forgiven my student loans with Mohela on XX/XX/year> through XXXX and considered " Paid by discharge and/or write off ''. The most recent reporting to my credit report by Mohela was on that same date. My loans on Mohela are now considered paid in full with a XXXX balance and it should be reflected as such as on my credit report. Currently my credit report is showing I owe Mohela {$5100.00}. I also have a {$0.00} balance on the XXXX official website.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
I recently reviewed a copy of my credit report and found multiple accounts that I do not recognize. Please remove as they are hurting my ability to obtain credit.

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 2025-11-14 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center 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 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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I am submitting a formal complaint regarding the handling of my XXXXbranded credit card issued by Citi ending in XXXX XXXX XXXX XXXXXXXX. The actions taken by Citi have not only harmed my credit profile but have also violated multiple federal and Colorado state consumer protection laws. 

The Unlawful Credit Line Reduction Leading to Constructive Overutilization : Citi reduced my credit limit from {$12000.00} to {$4000.00}, just slightly above my existing balance of approximately {$3800.00}. This action artificially raised my credit utilization ratio from around 30 % to nearly 95 %, Severely damaging my creditworthiness without any fault of my own. This constitutes a violation of the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ), as it created a misleading and damaging representation of my credit utilization. Violation of ECOA and FCRA Requirements for Specific Reasons : Citis adverse action notice failed to provide any specific reason for the credit limit reduction, as required by ECOA Regulation B ( 12 CFR 1002.9 ).
Instead, they vaguely referenced information from XXXX  without giving the legally mandated, specific reasons. * No additional notice was received by mail/email * Violation of Colorado Consumer Protection Laws : Under Colorado Revised Statutes ( CRS ) 5-3-106 and CRS 5-5-109, creditors must provide clear and timely notice of adverse actions. Citis actions did not meet these standards. Additionally, by creating a scenario where my credit limit was lowered to just above the balance, they engaged in a deceptive trade practice, violating CRS 6-1-105 ( 1 ).

Unjust Enrichment and Breach of Good Faith : After reducing the credit limit and ultimately closing the account without explanation, regardless of good standing & payment history, Citi continues to collect payments and interest, thereby profiting from my credit without providing the agreed-upon access. This constitutes unjust enrichment and a breach of the UCC 1-304 obligation of good faith.

Additional Context : This is not an isolated incident. Several of my credit card issuers have engaged in similar practices, resulting in a chain reaction that has Significantly harmed my overall credit profile. I am currently in the process of submitting multiple CFPB complaints and regulatory reports on each of these accounts to address the broader pattern of unlawful behavior.

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 2025-11-14 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: LA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts that appear on my Equifax credit report. These accounts have been inaccurately reported and do not reflect my actual credit history. I request that these accounts be investigated and corrected as soon as possible. 

Charged Off Accounts : XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$350.00} XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$600.00} XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$840.00} XXXX XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$260.00} XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$220.00} XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$0.00} Late Payments : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) requires that all information on a credit report be accurate, complete, and verifiable. Unfortunately, credit reporting agencies, including this one, have often fallen short of these standards. Recently, the Consumer Financial Protection Bureau ( CFPB ) sued Experian over systemic issues like poor investigations, reliance on unverifiable data, and reinstating previously deleted negative items. These actions harm consumers like me by allowing inaccurate, incomplete, and unverifiable information to stay on credit reports. In this complaint, Im providing detailed documentation of disputed items the credit bureau has failed to properly investigate or remove. Im requesting the immediate removal of all such items in compliance with the FCRA. The CFPBs ongoing legal action underscores the need to hold credit reporting agencies accountable for their responsibilities. I expect this matter to be resolved quickly to protect my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: AZ

Complaint narrative:
My federal student loans were transferred to a new servicer without adequate notice. I did not receive mandatory transfer notifications at any address I had previously provided for federal loan correspondence. The new servicer sent communications to an old physical address and to email accounts I had never established with them, as I had not been informed the loan was sold. 

As a result, I was unaware that payments had resumed, unaware that a new portal needed to be created, and unaware of the new due dates. This constitutes a servicer communication failure, not borrower negligence. 

I have always maintained perfect payment history prior to this servicer transfer and acted immediately once I became aware. I am requesting a full goodwill correction and removal of the 60-day delinquencies because they were directly caused by inadequate and improper notice during the transfer process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: MS

Complaint narrative:
AFFIRM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research AFFIRM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
Ive been disputing charges from Apple to Goldman Sachs twice now, but theyve refused to send me the necessary documentation or dispute the charges. This is my third option. My next step is to file a lawsuit and defend my consumer rights. I purchased XXXX items, but only received XXXX of them. I didnt dispute all of the payments, but only some of them. Goldman Sachs has refused to dispute the charges, even after I provided receipts, videos, and pictures of the items I received. What else do they want from me besides a lawsuit? The charges that is in question is From XXXX XXXX for {$540.00} resolve this peacefully and no one will like the end of it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

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 2025-11-14 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: NY

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
been back-and-forth with this nasty bank called synchrony bank refuse to close a fraudulent account and want to hold me responsible for our fraudulent account. My attorney submit many documentation showing them that I did not open an account with them. My phone bill when the account was open because they stated that they call me to verify me you can not call a phone line that is disconnected for XXXX here. Who are you calling? The phone bill was shown to them that the phone line was disconnected on XXXX the same here they claim that they called me to verify me the second proof they claim that I apply for the credit card using our address that I have never associated myself with several XXXX XXXX XXXX XXXX My attorney provide them a lien search from a repertory company thats shown that I have never purchased a property at that address neither associate myself living there. I need this credit card to be removed from my credit report or we will have the court removed for them by force with a lawsuit on top of it for any damages that may cost to me.

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