vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: NY

Complaint narrative:
I recently contacted Equifax if reference to identity theft. Equifax responded that they verified the fraudulent activity on my credit report. I would like a reinvestigation and I I would like to to how this fraudulent items were verified. by who and what date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
On XX/XX/year>, after Goldman Sachs XXXX Apple Card issuer ) had already been provided an FTC Identity Theft Report, IC3 complaint, government ID, and mailed documentation, I engaged in a live chat with their support team to demand full removal of the fraudulent Apple Card account from my credit report.

Instead of complying with FCRA 1681c-2 or acknowledging the identity theft case, I was asked to pay {$5500.00} by a representative named XXXX XXXX XXXX When I declined and explained again this was fraud, I was transferred to another agent ( XXXX XXXX who refused to escalate the issue to the legal team or provide direct assistance. She insisted I call back another time. This is clear retaliation, and a violation of FDCPA 1692g ( b ), as they continued collection on a known fraudulent debt.

This is not a duplicate complaint it reflects new contact, new legal violations, and re-reporting of a blocked tradeline to Experian. Both TransUnion and Equifax have removed this tradeline, which confirms Goldman Sachs is selectively and unlawfully continuing to furnish false data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : XXXX Date of Charge-Off : It states the acct was charged off/written off XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is XXXX years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter. 

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 2025-07-02 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX  BALANCE : {$4800.00}, XXXX XXXX XXXXXXXX XXXX BALANCE {$3400.00}, XXXX XXXX BALANCE {$10000.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and 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 2025-07-02 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: CA

Complaint narrative:
i have sent 3 certified letters to Experian asking for these charge offs to be removed from my credit report. i have not received any response from them and have called them 3 times as well reporting this to 3 different people about the certified letters i have sent and they say they have no record. i have informed Experian that they are breaking the law by refusing to remove these charge offs. Law 15 usc1692c and 15 usc1681 c-2 also breaking the Metro 2 guidelines buy showing a balance due when it has been charged off. i have also requested 1099 for all XXXX charge offs and have not received anything. 

thank you for your attention to this matter

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
While trying to file a dispute on my credit report through Equifax, they advised me to reach out to CITICARDS CBNA at ( XXXX ) XXXX to confirm this account does not belong to me on XX/XX/XXXX. When trying to reach someone on the phone from Citi, the automated system did not allow me to speak with an agent and hung up the call to me today XX/XX/XXXX. I have submitted another dispute to Equifax today and have another dispute in progress with Experian starting in XX/XX/XXXX. This Citi account does not show any longer on my Transunion report. I need documentation from Citi so I can prove this account does not belong to me so it can be closed ( as I do not have the account number or the primary cardholder 's SSN ), or it can be removed from my credit statement accordingly. I have never used a Citi card and this card does not belong to me. It is frustrating that there is not a person from Citi that I can discuss this issue with to get it resolved.

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 2025-07-02 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: MD

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
Good day, I can not express enough how XXXX  and XXXX  this has been. I woke up to a debt I know nothing aboutcompletely unverified and not mineonly to be bombarded with constant XXXX  across multiple channels, including XXXX  of legal action. As a law-abiding consumer, this is insulting and a clear violation of my rights. This situation has affected my XXXX XXXX XXXXnd left me with XXXX XXXX I have had enough.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
CREDIT COLLECTION SERV - XX/XX/XXXX - {$350.00} ARMED FRCS - XX/XX/XXXX XXXX FCU - XX/XX/XXXX ARMED FRCS - XX/XX/XXXX XXXX FCU - XX/XX/XXXX ARMED FRCS - XX/XX/XXXX ARMED FRCS - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: LA

Complaint narrative:
CREDIT COLLECTION SERV - XX/XX/XXXX - {$350.00} ARMED FRCS - XX/XX/XXXX XXXX FCU - XX/XX/XXXX ARMED FRCS - XX/XX/XXXX XXXX FCU - XX/XX/XXXX ARMED FRCS - XX/XX/XXXX ARMED FRCS - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I am a victim of identity theft and Ive made police reports in the past regarding my claim. I want them remove from my Credit report profile as soon as possible. I am entitled to have fraudulent information blocked and deleted under15 U.S.C.1681c-2a

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 2025-07-02 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 am a victim of identity theft and Ive made police reports in the past regarding my claim. I want them remove from my Credit report profile as soon as possible. I am entitled to have fraudulent information blocked and deleted under15 U.S.C.1681c-2a

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 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have been receiving emails from PayPal saying a {$490.00} payment has been made to my account, then they want to know if I want a refund ; there is a name XXXX XXXX XXXX XXXX listed in the email XXXX DearAn I DONT have a PayPal account A few years ago I called and spoke to an agent ( maybe fraudulent ) They would not help Please, I do not want to be connected to this scamming PayPal in any way. When I called this morning a voice stated that they had my phone number on record ; when they wanted my social security number last 4 numbers I gave them random numbers. I dont trust their customer phone number as it appears to be a scam, XXXX REPORTED PAYPAL  WAS SCAMMING OTHER PEOPLE ON XXXX YESTERDAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my Consumer Reports, I identified instances of late payments on accounts for which I have consistently made timely payments and inquiries for which I have not authorized. Consumer Reporting Agencies play a vital role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. 

I have never missed a payment on the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize the following hard inquiries : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax 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  I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my Consumer Reports, I identified instances of late payments on accounts for which I have consistently made timely payments and inquiries for which I have not authorized. Consumer Reporting Agencies play a vital role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. 

I have never missed a payment on the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize the following hard inquiries : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax 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  I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay

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 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Account Resolution Corporation
State: MO

Complaint narrative:
i have reached out to these companies and have not gotten any response and its been over a XXXX. My credit is taking a huge hit because of this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please consider this a formal request to permanently erase the fraudulent hard inquiries from my credit profile at once. Supporting documentation is attached.

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