vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC
State: CA

Complaint narrative:
I am filing this complaint against LoanCare LLC for failing to conduct a lawful reinvestigation of inaccurate information they furnished to the credit reporting agencies regarding my mortgage account ( XX/XX/XXXX XXXX ). 

On XX/XX/year>, I submitted a formal dispute to LoanCare identifying inaccurate late-payment information they reported. They have completely failed to respond, provide documentation, verify the data, or correct the inaccurate reporting within the required 30-day timeframe.

Under FCRA 15 U.S.C. 1681s-2 ( b ), a furnisher must conduct a reasonable investigation after receiving notice of a dispute. LoanCare ignored this requirement and provided no evidence supporting the accuracy of the information. Because they did not verify the data, the information they furnished is unverified, unreliable, and can not legally remain on any consumer report.

LoanCares continued failure to investigate or correct the inaccurate reporting constitutes willful noncompliance with the FCRA.

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 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I previously submitted a written dispute to CITICARDS XXXX XX/XX/year> that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), CITICARDS CBNA verify, or correct the information within the required XXXX ( XXXX ) days. 
Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. 
Since CITICARDS CBNA did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the XXXX intervention to ensure CITICARDS XXXX XXXX compliance with FCRA requirements. CITICARDS CBNA 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 2025-11-27 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NJ

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

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 XXXXXX/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 explanation
Consumer complaint received 2025-11-27 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: NJ

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: NJ

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-27 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: GA

Complaint narrative:
1. Complaint Summary I am submitting this complaint regarding inaccurate, unverifiable, or improperly reported items on personal and business credit reports. This complaint is submitted under the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and applicable state privacy and consumer protection laws. 

I request that the CFPB investigate, compel corrections, deletions, and provide Method of Verification ( MOV ) documentation for all disputed items. 

Bureaus / Databases Involved : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX  / XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( State Specific ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. Personal Credit Dispute Identity & Contact Information Full Legal Name : Correct to XXXX XXXX only ; remove all aliases. 

Address : Delete outdated addresses ; only XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX to be listed. 

Phone Numbers : Delete all currently listed. 

SSN & DOXXXX : Remove from public display ; may be retained internally only if legally necessary. 

Employer Information : Delete all entries under the Employer section. 

XXXX XXXX XXXX Dispute Bureau Date Reported Reference # Court Liability Requested Action TransUnion XX/XX/XXXX XXXX U.S. Bankruptcy Court {$0.00} Verify & delete if unverifiable XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$0.00} Verify & delete if unverifiable XXXX  XX/XX/XXXX XXXX Federal {$0.00} Verify & delete if unverifiable Legal Basis : FCRA 607 ( b ) : Ensure maximum possible accuracy FCRA 609 ( a ) : Right to source verification FCRA 611 ( a ) / ( a ) ( 5 ) : Reinvestigation & reinsertion rules FCRA 605 ( a ) : Obsolete information GLBA Privacy : Protect sensitive identifiers MOV Requested : Court documents, filing date, verified source, confirmation of owner match. 

3. Business Credit Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Legal Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Last XXXX ) : XXXX Owner : XXXX XXXX ( SSN Last 4 : XXXX, XXXX : XX/XX/XXXX ) Requested Actions : Correct all identity mismatches, old addresses, DBAs, industry codes, and duplicate records. 

Update all business bureaus and downstream vendors with accurate information. 

A. UCC / Public Records/ Judgment Dispute Filing Reported By Date Filed Document # Requested Action Judgment / Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Delete if unverifiable

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 2025-11-27 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: GA

Complaint narrative:
1. Complaint Summary I am submitting this complaint regarding inaccurate, unverifiable, or improperly reported items on personal and business credit reports. This complaint is submitted under the Fair Credit Reporting Act ( FCRA ), Gramm-Leach-Bliley Act ( GLBA ), and applicable state privacy and consumer protection laws. 

I request that the CFPB investigate, compel corrections, deletions, and provide Method of Verification ( MOV ) documentation for all disputed items. 

Bureaus / Databases Involved :XX/XX/XXXXXXXX TransUnion XXXX Equifax XXXX Equifax / XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX Information Full Legal Name : Correct to XXXX XXXX only ; remove all aliases. 

Address : Delete outdated addresses ; only XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX to be listed. 

Phone Numbers : Delete all currently listed. 

SSN & DOB : Remove from public display ; may be retained internally only if legally necessary. 

Employer Information : Delete all entries under the Employer section. 

XX/XX/XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX$0.00} Verify & delete if unverifiableXX/XX/XXXXFederal {$0.00} Verify & delete if unverifiable Legal Basis : FCRA 607 ( b ) : Ensure maximum possible accuracy FCRA 609 ( a ) : Right to source verification FCRA 611 ( a ) / ( a ) ( 5 ) : Reinvestigation & reinsertion rules FCRA 605 ( a ) : Obsolete information GLBA Privacy : Protect sensitive identifiers MOV Requested : Court documents, filing date, verified source, confirmation of owner match. 

3. Business Credit Dispute XX/XX/XXXXXXXX XXXX XXXX : Legal Name : XXXXXX/XX/XXXX XXXX XXXX ( Last XXXX ) : XXXX Owner : XXXX XXXX ( XXXX Last XXXX : XXXX, XXXX : XX/XX/XXXX ) Requested Actions : Correct all identity mismatches, old addresses, DBAs, industry codes, and duplicate records. 

Update all business bureaus and downstream vendors with accurate information. 

A. UCC / Public Records/ Judgment Dispute Filing Reported By Date Filed Document # Requested Action Judgment / Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Delete if unverifiable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: CA

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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 2025-11-27 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-27 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: FL

Complaint narrative:
I just checked my credit report again and those inaccurate accounts are still there. They were not taken off at all. I am begging for the documents I provided to be fully reviewed because I can not keep living with this stress any longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
Told to stop several harassment phone calls several times a day and week!! They didnt stop!! I asked for proof of debt which they never sent! I have disputed this several times and I think its time to seek legal counsel

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: GA

Complaint narrative:
This complaint concerns Cash Apps operational negligence, XXXX retaliation , and deceptive practices. 

From XX/XX/scrub> 2025 to present, unauthorized transactions occurred ( XXXX, XXXX, XXXX, XXXX, ATM withdrawals ). Cash App refunded XXXX purchases but then closed my account under a false claim of suspicious activity. 

Cash App also falsely claimed no communication was received from me, despite multiple verified chats and emails initiated by me. 
Cash App had already received : Federal XXXX case information Police report SSI benefits letter Yet they : Denied refund without proper cause Misrepresented facts ( no communication ) Closed my account as retaliation after a disability-related request Violated Regulation XXXX, XXXX, FHA, and XX/XX/XXXX protections This caused ongoing financial hardship during active federal litigation. 

I request a full refund of all disputed transactions, correction of false internal statements, and a full review of the improper account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i see on my credit report new collection account from XXXX XXXX XXXX, AMOUNT OF {$7100.00} AND A CALL THE COMPANY TO GET ANY INFORMATION, THE COMPANY SAY ITS CITI BANK CREDIT CARD OPENED IN MY NAME, I TOLD HIM THAT BOT MY ACCOUNT AND SOMEONE USE MY PERSONAL INFORMATION SUCH XXXX SSN, NAME AND XXXX FOR OPEN FRAUDULENT ACCOUNT, USE IT AND NOT PAY! WITH DIFFERENT ADDRESS PHONE NUMBER AND EMAIL ADDRESS, THAT ACCOUNT NOT MY AND I NOT DISPOSABLE FOR THIS DEBT!

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 2025-11-27 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: NC

Complaint narrative:
I am writing to formally dispute unauthorized credit inquiries on my credit report, as permitted under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ). This statute provides me the right to dispute any inaccurate information, and 15 U.S.C. 1681b stipulates that credit inquiries can only be conducted under specific, permissible circumstances. 

The following inquiries were not authorized by me and therefore, I request their immediate removal from my credit report 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 XXXXXX/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 explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I previously submitted a written dispute to APPLE CARD/GS BANK USA XXXX XX/XX/year> that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), APPLE CARD/GS BANK USA verify XXXX or correct the information within the required XXXX ( XXXX ) days. 
Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. 
Since APPLE CARD/GS BANK XXXX not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the XXXX intervention to ensure APPLE CARD/GS BANK XXXX immediate compliance with FCRA requirements. APPLE CARD/GS BANK USA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: MI

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, XXXX ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. 

The account listed XXXX XXXX - Account number XXXX LEASE DATE : XX/XX/year>. 

XXXX XXXX : XXXX XXXX Account XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: MI

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, XXXX ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated. 

The account listed XXXX XXXX - Account number XXXX LEASE DATE : XX/XX/year>. 

XXXX XXXX : XXXX XXXX Account XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ {$14000.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or updated within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions.

Company response to consumer: Closed with explanation