vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing Experians reporting of multiple inaccurate addresses that do not belong to me. On or around XX/XX/2025, I reviewed my Experian credit report and found several addresses incorrectly listed under my file : XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX None of these addresses are associated with me. I currently reside at a different address, which I verified by submitting documentation to Experian. 

On XX/XX/2025, I mailed a written dispute directly to Experian identifying each incorrect address and requested that they be permanently deleted. I included a copy of my identification, a recent utility bill showing my correct address, and a marked copy of my Experian credit report highlighting the inaccurate entries. 

These false addresses are misleading, create confusion about my identity, and could negatively impact future credit-related decisions. Under the Fair Credit Reporting Act ( FCRA ), Experian is required to maintain accurate and verifiable information and to conduct a reasonable investigation upon receiving a consumers dispute. 

I am asking the CFPB to ensure Experian investigates this matter properly and removes the inaccurate addresses from my credit report. I also request written confirmation once the corrections have been completed.

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 2025-10-13 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: FL

Complaint narrative:
Despite repeated attempts to resolve these matters, Equifax continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: SC

Complaint narrative:
I am writing to file a formal complaint against several financial institutions and credit reporting agencies for the reporting of inaccurate and harmful information on my credit profile. These errors are in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 and have caused me significant financial and reputational harm. 

1. Incorrect Address Reporting My credit file contains multiple addresses that do not belong to me and have never been associated with me. These inaccurate addresses include : XXXX XXXX, XXXX, SC XXXX Wrong Address XXXX XXXX, XXXX, SC XXXX Wrong Address XXXX XXXX XXXXXXXX, SC XXXX Wrong Address The reporting of these false addresses is misleading, compromises the integrity of my credit profile, and raises concerns of possible identity confusion or mixed files. 

2. Inaccurate and Disputed Account Information Additionally, the following accounts are being inaccurately reported : XXXX Account # XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance Owed : {$810.00} XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance Owed : {$0.00} Improperly reported as Charge-Off XXXX XXXX XXXX Account # XXXX * * * * * * * * * * Opened XX/XX/XXXX Balance Owed : {$580.00} Improperly reported as Charge-Off REPUBLIC XXXX Account # XXXX XXXX XXXX High Balance : {$2300.00} Opened XX/XX/XXXX Improperly reported as Charge-Off These accounts contain inaccurate balances, charge-off notations, and/or derogatory reporting that are misleading, unverifiable, and not in compliance with FCRA accuracy standards. 

Legal Violations & Harm Under the FCRA, credit reporting agencies and furnishers are required to : Report only accurate and verifiable information ( 15 U.S.C. 1681e ( b ) ).

Conduct a reasonable investigation when disputes are filed ( 15 U.S.C. 1681i ).

Refrain from reporting information that they know or should know is inaccurate ( 15 U.S.C. 1681s-2 ). 

The continued reporting of false addresses and inaccurate account statuses constitutes willful negligence and has directly impacted my ability to obtain credit, housing, and favorable financial terms. 

Requested Resolution I am demanding that the CFPB : Investigate these inaccuracies with the furnishers and credit reporting agencies. 

Require immediate deletion or correction of all erroneous addresses and account information. 

Hold the furnishers and credit bureaus accountable for noncompliance with federal law. 

I request that this matter be resolved promptly and that I receive confirmation in writing of the corrective actions taken.

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 2025-10-13 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 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I was fraudulently induced to send {$570.00} through XXXX XXXX on XX/XX/year>, to help someone claiming they needed rent money. After sending it, the recipient falsely said she didnt receive the payment and pressured me to send more through XXXX XXXX, XXXX, and XXXX , even claiming XXXX Support told her to have me resend it. XXXX later confirmed the payment was completed and that they would never instruct anyone to resend money. 

I filed a dispute with Ally Bank, explaining that I was deceived into authorizing the transfer under false pretenses a clear case of fraudulent inducement. Ally denied my claim twice, saying the payment was authorized, and directed me to XXXX, while XXXX insists Ally is responsible. I provided screenshots, call notes, and a formal Regulation E appeal letter showing the deception.

Under 12 CFR 1005.2 ( m ), a transfer made through fraud or deception is considered unauthorized. Both Ally and XXXX are refusing accountability, leaving me without protection despite following all proper procedures. I request that the CFPB require Ally Bank to reopen the case, recognize it as a fraudulent transaction, and reimburse the {$570.00} obtained through deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
My credit report contains multiple inaccuracies, including an incorrect address, a duplicate name and date of birth, and late payment statuses that should be updated. In addition, a negative account is being reported that I have already disputed. These errors violate the FCRAs requirement for furnishers and bureaus to ensure maximum possible accuracy. Because of these mistakes, my report is misleading and has negatively impacted my credit standing and financial opportunities.

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 2025-10-13 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: IL

Complaint narrative:
I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ) concerning multiple fraudulent accounts and an inaccurately reported XXXX XXXX XXXX appearing on my credit file. I am a victim of identity theft, and the information being reported is false, unverifiable, and damaging to my creditworthiness. Upon review of my credit report, I discovered several accounts and a XXXX XXXX XXXX  listed that I did not authorize, open, or file. The reporting of this bankruptcy and related accounts is in violation of the FCRA, specifically : 15 U.S.C. 1681e ( b ) Requiring consumer reporting agencies to maintain maximum possible accuracy.

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 2025-10-13 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: MA

Complaint narrative:
TransUnion XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Trafficking Block Request To Whom It XXXX Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX - {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00}

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 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Servicing Solutions, LLC
State: FL

Complaint narrative:
I had a XXXX XXXX XXXX, and it suddenly shut down last year and was taken over by XXXX XXXX Servicing Solutions. The card was closed, and I began paying the monthly payoff amount as requested. Just today, they called me and told me I have a late charges of over {$100.00} and my balance is still over {$5500.00}. That is more than the balance was when the card closed, and I have paid approximately $ XXXX $ XXXX since that card closed. There is something fraudulent going on here and the should be investigated or be the subject of a class action suit. I have asked to have a schedule of payoff, but they will not provide any such information. I have asked for a hardship program and/or forbearance because I was out of work for over 3 months recovering from XXXX XXXX XXXX, and we are a single income family. The way they XXXX  my credit score and usage, has prevented me from obtaining a personal loan to consolidate and pay off my credit card debt. The interest alone I pay each month is beyond my income and it is companies like this who prey on the circumstantial consumer to line their pockets. This company should be investigated at once and collections frozen until such investigation has concluded. There is no way the amount of interest the are charging is the same as my arrangement with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: OR

Complaint narrative:
This is now the XXXX documented attempt to correct this reporting, and at this point, it is clear that the bureaus and data furnishers are engaging in malicious noncompliance. Despite being notified of these errors, theyve refused to follow the law and correct or delete the inaccurate information. 

There is no original contract, no signed application, no itemized billing statementsnothing to substantiate the validity or accuracy of the tradeline. This violates FCRA 609 ( a ) ( 1 ) and consumer disclosure rights, and also breaks the Consumer Financial Protection Act ( XXXX ) for unfair, deceptive, and abusive acts or practices ( UDAAP ). 

The XXXX XXXX format clearly mandates accurate coding and complete reinvestigation protocols, which are being ignored.

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 2025-10-13 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: OR

Complaint narrative:
This is now the XXXX documented attempt to correct this reporting, and at this point, it is clear that the bureaus and data furnishers are engaging in malicious noncompliance. Despite being notified of these errors, theyve refused to follow the law and correct or delete the inaccurate information. 

There is no original contract, no signed application, no itemized billing statementsnothing to substantiate the validity or accuracy of the tradeline. This violates FCRA 609 ( a ) ( 1 ) and consumer disclosure rights, and also breaks the Consumer Financial Protection Act ( XXXX ) for unfair, deceptive, and abusive acts or practices ( UDAAP ). 

The XXXX XXXX format clearly mandates accurate coding and complete reinvestigation protocols, which are being ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX accounts appearing on my credit report seem to include inaccurate information. Under my rights established by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is both accurate and verifiable. I request a thorough review of these accounts, and if they can not be confirmed as accurate, they must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: AR

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have a business account with chase, and they are systematically holding my checks longer. A simple check to be deposited from XXXX bank to the next bank.Should not take XXXX days to show up in my account. I'm a XXXX as XXXX know that this is absolutely racist.I can see through XXXX like and see through water. I explained it to the chase representative, and they could not even make a case. I know the history of this here bank, and this is part of their foundation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
This is a continuation of claim XXXX. Goldman Sachs has continued to give me the run around and not solve my issue. Initial complaint is here : I pre-ordered my XXXX XXXX XXXX from XXXX using my Apple Card on XX/XX/XXXX. One of the main selling points of the Apple Card is 0 % APR financing on XXXX products when you purchase through the XXXX Store and use the card. I did both of these things and selected the option for monthly payments. I received my phone on Friday XX/XX/XXXX, and the bill showed that it was charged as a purchase, and not monthly. I reached out to XXXX and the only option was to file a claim saying that services or the product were not to my satisfaction. This opened a dispute ( although I was not able to offer any explanation and simply want to be able to pay for this expensive device over an extended period instead of all at once ). It then finally gave me an option to speak to someone after. I spoke to someone, who said they would have to cancel the dispute to fix the problem. They said they could try and then sent a boiler plate message saying they were attempting to withdraw the dispute. That doesnt solve my problem at all if anything now Im back at square one. 

Fast forward. They withdrew the dispute and claimed multiple times that they had " switched '' the purhcase to monthly installments. Today XX/XX/year>, my statement balance includes the {$1100.00} purchase, expecting it to be paid in full, not just an installment. In the app, under " installments '' the phone does not show up either. I have spoken to support 3 times getting conflicting responses, and because they disputed and then cancelled the dispute ( which I never asked them to do in the first place ) I can't even dispute the charge anymore. I considered returning the phone and trying to start over but I can't do that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
THIS ITEM WAS REPORTED IN ERROR AS A RESULT OF FRAUD.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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