vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: CA

Complaint narrative:
This account was open without my knowledge, already given affidavit and proof was not in country. Also XXXX XXXX charged this account off and is still trying to collect and violating my rights, under the FCRA laws, A discharge of indebtedness because of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. A creditor 's defined policy can be in writing or an established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy In XXXX XXXX, Plarged a debt, making reporting of the balance of the debt inaccurate.XXXX XXXX, 2017 XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
never provided proof and validation of this account, its been longer than 30 days by law for a situation like this.

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 2025-07-27 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: CA

Complaint narrative:
This account was open without my knowledge, already given affidavit and proof was not in country. Also XXXX XXXX charged this account off and is still trying to collect and violating my rights, under the FCRA laws, A discharge of indebtedness because of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. A creditor 's defined policy can be in writing or an established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy In XXXX XXXX, Plarged a debt, making reporting of the balance of the debt inaccurateXXXX XXXX, 2017 XXXX, v. XXXX XXXX XXXXXXXX XXXX 
never provided proof and validation of this account, its been longer than 30 days by law for a situation like this.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account was open without my knowledge, already given affidavit and proof was not in country. Also XXXX XXXX charged this account off and is still trying to collect and violating my rights, under the FCRA laws, A discharge of indebtedness because of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. A creditor 's defined policy can be in writing or an established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy In XXXX XXXX, Plarged a debt, making reporting of the balance of the debt inaccurate.XXXX XXXX, 2017 XXXX, v. XXXX XXXX XXXX XXXX. 
never provided proof and validation of this account, its been longer than 30 days by law for a situation like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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 would like these inquiries to be deleted I did not authorize them to run my 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 non-monetary relief
Consumer complaint received 2025-07-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have XXXX unauthorized inquiries on my transunion credit report. XXXX from XXXX XXXX on XXXX. XXXX from XXXX XXXX XXXX on XXXX. XXXX from XXXX XXXX XXXX on XXXX and XXXX from XXXX XXXX XXXX on 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 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express ACCT. XXXXThis letter is in response to your recent reporting to credit bureaus regarding the closed account on XXXX XXXX, [ Account closed by credit grantor ] which you claim [ such as I owe/balance {$2100.00} ] included late fees after closed account ; I requested that you provided copy of viable evidence, Therefore you only printed a bill statement as your validation. [ Bill statements do not constitute verification under the FCRA ]. [ 1 ] provide a signature copy, [ 2 ] documentation showing that I have a legal binding contractual obligation to pay the amount. If you can not provide validation other than a bill statement I shall request legal authority to request same documents. 
Previously, the CFPB took action against American Express for failing to provide proper disclosures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Around XX/XX/year>, Block Incorporated ( also known as cash app ) closed my account to prevent me from using their app to send and receive money on over a non-disclosed reason which they said had to do with unusual or suspicious activity on my account which they could not expound upon. I have done nothing wrong for my account to be closed unjustifiably and I need that cash app to receive money to pay bills with and to get necessities that I need on a daily basis. I tried appealing the matter which is still under review by them but no further information was given nor provided by them and I currently lost {$20.00} by not being allowed to receive the money that somebody sent me in the amount of {$20.00} to my cash app. I never did anything wrong to justify their decision made against me and they have not disclosed any details to substantiate their wrong claims against me. Plase look into this matter so it may be remediated immediately. I Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: FL

Complaint narrative:
I am a victim of identity theft. Two loans were fraudulently opened in my name without my knowledge or consent. I did not authorize these accounts and have no affiliation with the lenders. I discovered the fraudulent activity in XX/XX/year>2025 after reviewing my credit report. I have since filed an identity theft report and am taking steps to protect my information. I am formally requesting that these unauthorized accounts be removed from my credit report and that all related inquiries and negative information be deleted.

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 2025-07-27 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: CA

Complaint narrative:
XX/XX/year> both Experian and XXXX  are inaccurately reporting information from XXXX XXXX XXXX. This account has been reported as a profit loss to the IRS yet reporting inaccurately each month as a charge off. Never received a form 1099 C.

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 2025-07-27 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: CA

Complaint narrative:
XX/XX/year> both XXXX and Transunion are inaccurately reporting information from XXXX XXXX XXXX. This account has been reported as a profit loss to the IRS yet reporting inaccurately each month as a charge off. Never received a form 1099 C.

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 2025-07-27 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: FL

Complaint narrative:
Let me state upfront that we did not purchase nor ever gain possession of the item in question as it was inadvertently charged to our Apple Card credit card during a visit to XXXX. 

We were checking out of XXXX in XXXX, AL and noticed that there was an inadvertent item on our bill named XXXX for {$130.00} that we did not purchase nor intend to purchase. After checking out, we went immediately and directly to the service desk to speak with the Manager since there was no one in the self check out line to help us remove the inadvertent charge. I have attached the receipt from this visit. 

The manager stated that the item in question was non-refundable and she was not able to help any further and proceeded to walk away. The problem was that we did not purchase the item and had just checked out in the self check out less than a minute earlier. We never received the item named XXXX in the receipt below. We did not purchase it or ever gain possession of it. We never purchase this item so the manager should have voided the transaction but refused. I think this was a fraudulent charge. 

We have made numerous attempts to get a refund or a credit for this amount from XXXX but they refused since they said the item is non-refundable. But as I stated earlier we never purchased nor received this item, but were charged inadvertently for it so it would not be a refund. I am asking for this to be charge to be removed from my account as we did not make this purchase and it is likely a fraudulent charge. 

I have since made 3 attempts with Apple Card, managed by Goldman Sachs to dispute the charge but they have declined all 2 out of 3 with no reason and refuse explain why on the phone. 

Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
On XX/XX/XXXX, I was denied a federal student loan due to adverse information on my TransUnion credit report. Furthermore, the information was reported by XXXX XXXX  who purchased the XXXX " Charged-Off '' account from XXXX XXXX  XXXX I contacted XXXX XXXX  's recovery department and explained the situation. After a significant amount of time on hold the representative could not locate or verify they account number ( XXXX ) that appeared on my credit report but located what he assumed was the correct account ( XXXX ) in association with the secured credit card issued by XXXX to me in XXXX. Therefore, he emailed me a pay off quote. Also on XX/XX/XXXX, the XXXX ( XXXX ) debt was reported to my XXXX  credit report as being " Open '' and under " Revolving Credit. That is illegal and unethical business practices. To date, I am unable to obtain a federal student loan, to further my dependent students ' higher education, due to the erroneous and outdated information that XXXX continues to report to the credit bureaus

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
On XX/XX/XXXX, I was denied a federal student loan due to adverse information on my XXXX credit report. Furthermore, the information was reported by XXXX XXXX who purchased the XXXX " Charged-Off '' account from XXXX XXXX  . I contacted XXXX XXXX  's recovery department and explained the situation. After a significant amount of time on hold the representative could not locate or verify they account number ( XXXX ) that appeared on my credit report but located what he assumed was the correct account ( XXXX ) in association with the secured credit card issued by XXXX to me in XXXX. Therefore, he emailed me a pay off quote. Also on XX/XX/XXXX, the XXXX ( XXXX ) debt was reported to my Equifax credit report as being " Open '' and under " Revolving Credit. That is illegal and unethical business practices. To date, I am unable to obtain a federal student loan, to further my dependent students ' higher education, due to the erroneous and outdated information that XXXX continues to report to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Torres Credit Services, Inc.
State: IL

Complaint narrative:
I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am disputing a collection account being reported on my credit file by XXXX XXXX XXXX XXXX on behalf of XXXX XXXXXXXX XXXX. 

The account is listed as open and is currently reporting on my credit file with XXXX XXXX and XXXX. 

I have not received proper validation of this debt, nor any supporting documentation confirming the legal right of this collector to report this account. I am requesting immediate investigation and action in accordance with my consumer rights under FCRA Section 1681 and FDCPA Section 809.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am disputing a collection account being reported on my credit file by XXXX XXXX XXXX XXXX on behalf of XXXX XXXXXXXX XXXX 

The account is listed as open and is currently reporting on my credit file with Experian, Equifax, and TransUnion. 

I have not received proper validation of this debt, nor any supporting documentation confirming the legal right of this collector to report this account. I am requesting immediate investigation and action in accordance with my consumer rights under FCRA Section 1681 and FDCPA Section 809.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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:
None of the identity theft items listed in my ftc report, mailedXX/XX/XXXX have been removed from any of the 3 credit bureaus.

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 2025-07-27 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: TX

Complaint narrative:
None of the identity theft items listed in my ftc report, mailedXX/XX/XXXX have been removed from any of the 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Experian Equifax XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Request for Removal of XXXX XXXX Account Account Number : XXXX To Whom It May Concern, I am writing to formally request the removal of an inaccurate account reported on my credit file. The account in question is with XXXX XXXX, account number XXXX. Upon reviewing my credit reports from Experian, Equifax, and TransUnion, I have found discrepancies regarding the close date : Experian : No close date is reported. 

Equifax : Close date reported as XX/XX/XXXX. 

TransUnion : Close date reported as XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I believe the information reported is inaccurate and misleading. Since the accounts details do not align across all credit bureaus, I request the immediate removal of this account from my credit file with all three agencies. 

As per 15 U.S.C. 1681i, I expect that the necessary investigation and corrective action will be taken promptly, and the account will be removed within the 30-day period. 

Please confirm the removal of this account and provide me with a written response outlining the action taken. If additional documentation is required, I am happy to provide it. 

Thank you for your attention to this matter. 

Sincerely, 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 2025-07-27 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: TX

Complaint narrative:
I am filling a compliant because a creditor is reporting late payments on account ending in in the last four digits # XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnishers, but the late payments remain without proper validation or documentation. Under 15USC1681 S2A, furnishers must report accurate information under 15USC1681i, the credit bureaus must perform a reasonable investigation within 30 days. Neither of them have provided sufficient evidence to support the negative 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 2025-07-27 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: OH

Complaint narrative:
MY NAME IS XXXX XXXX. THIS ACCOUNT IS NOT MINE.

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 2025-07-27 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: TX

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : If, after a reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete or modify that item of information from the file of the consumer. 

I am requesting the following inaccurate, outdated, or unverifiable items be removed or corrected immediately. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2100.00} Date Placed for Collection : XX/XX/XXXX Date Disputed : XX/XX/XXXX Pay Status : In Collections Remarks : ACCT INFO DISPUTED BY CONSUMER >PLACED FOR COLLECTION< XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Balance : {$0.00} ( settled ) Status : Closed, charged-off, {$1100.00} written off Charge-Off Pattern : Multiple months of delinquency leading to charge-off in XX/XX/XXXX XXXX XXXX XXXX  Reported Date : XX/XX/XXXX ( still appearing )

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