vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: KY

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the credit reporting agencies Experian and Equifax for violations of the Fair Credit Reporting Act ( FCRA ) and failure to properly validate and report accurate consumer information. 

This complaint concerns XXXX XXXX account number XXXX. On XX/XX/XXXX, I submitted a written debt validation request to XXXX XXXX XXXX XXXX regarding this account. After receiving an insufficient response, I sent a second formal validation request on XX/XX/XXXX, demanding proper documentation under the FCRA and FDCPA. Despite these efforts, the creditor failed to provide the following : - A signed agreement proving liability. 
- A full breakdown and itemized accounting of the alleged balance. 
- A complete payment history. 
- Copies of certified notices sent prior to charge-off. 
- Proof of legal authority to report and collect the alleged debt. 

Instead, the creditor only supplied a generic digital summary and standard cardmember agreement with no legally binding or identifying information. 

Simultaneously, the credit bureaus continue to report this account with multiple inaccuracies : - The charge-off date is reported by the creditor as XX/XX/XXXX, yet Experian and Equifax show updates and reporting through XXXX and XX/XX/XXXX. 
- The balance remains at {$2800.00}, even though a charge-off should reflect {$0.00} unless actively in collections. 
- Late payments of 120, 150, and 180 days are reported after the account was already charged off, which is misleading and prejudicial. 
- Equifax still shows the account in dispute, while Experian says the dispute was resolveddemonstrating inconsistent and inaccurate reporting. 
- Most critically, the bureaus previously 'verified ' this account without proper documentation from the data furnisher, violating FCRA 611 ( a ) ( 5 ). 

I am requesting that the CFPB take immediate action to : - Require XXXX XXXX XXXX XXXX to cease all reporting of this account unless it can produce full legal validation. 
- Instruct Experian and Equifax to delete this account from my credit reports. 
- Investigate potential willful noncompliance with the FCRA by both the creditor and the bureaus. 

Please confirm receipt of this complaint and keep me informed of any findings or actions taken. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: FL

Complaint narrative:
Dear CFPB, I am writing to formally submit a complaint regarding the handling of my credit report by TransUnion in relation to certain collections accounts. 

On multiple occasions with the last onewas on XX/XX/year>, I requested validation for the following collections accounts listed on my credit report : XXXX. XXXX XXXX Account Number - XXXX XXXX. XXXX XXXX XXXX Account Number - XXXX XXXX. XXXX XXXX XXXX XXXX Account Number- XXXX XXXX. XXXX XXXX XXXX Account Number- XXXXXXXX XXXX XXXX XXXX XXXX- Account Number XXXX Despite my request for validation, I have not received any supporting documents or proof from the collections companies associated with these accounts. According to the Fair Debt Collection Practices Act, I have the right to request validation of debts, and I expected the credit bureau to comply with this request.

However, TransUnion confirmed the existence of these accounts on my credit report without providing me with the requested validation. This has caused me significant distress and has negatively impacted my credit score.

Also I reported this account to the Federal Trade Commission and i filed my identity theft report with them.

I request that the CFPB investigate this matter and take appropriate action to ensure that my rights are protected. I would also appreciate guidance on how to proceed in resolving this issue.

Thank you for your attention to this matter.

Thank you 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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
please ask Equifax Transunion and Experian to verify the information please.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
please ask Equifax Transunion and Experian to verify the information please.

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 2025-07-12 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: NCB Management Services Inc.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I sent letters to 3 credit bureaus to dispute information that was listed on my report for the following reasons : a debt from over 7 years ago, accounts showing as collections or charged off that were actually paid on time. 
My request was for proof of origination of all the charged off and collection accounts and of the original contract that I opened these accounts, which I never received from either bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: GOLDMAN SACHS BANK USA
State: KY

Complaint narrative:
Subject : Complaint Against Goldman Sachs Bank USA ( Apple Card ) for FCRA Violations Dear CFPB Representative, I am filing this formal complaint against Goldman Sachs Bank USA, issuer of the Apple Card, for ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S.C. 1681s-2 ( b ) and 1681i.

Goldman Sachs has reported the following account to XXXX, XXXX, and XXXX  as a charge-off in the amount of {$6500.00} : * Account Number : XXXX * Status : Charge-Off * Creditor : Goldman Sachs Bank USA Apple Card I have submitted * three written verification requests * to Goldman Sachs demanding legally required documentation to substantiate this account. Despite my efforts, they have failed to provide : - A signed contract bearing my signature, - A detailed breakdown of account activity or charges, - Notices allegedly sent prior to reporting negative information, - Evidence of accuracy and compliance with reporting requirements.

Their only response was a * generic cardholder agreement *, which does not satisfy the verification obligations under federal law. Meanwhile, they continue to furnish this unverifiable account to the credit bureaus, knowingly causing substantial and ongoing harm to my credit standing.

I request the CFPBs intervention to investigate this creditor and compel them to either produce the documentation required under the FCRA or to * permanently delete this account * from all credit reporting agencies.

Supporting documents, including copies of the correspondence and response from the creditor, can be provided upon request.

Thank you for your attention to this serious matter.

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: CA

Complaint narrative:
I am formally disputing a hard inquiry that has appeared on my credit report without my knowledge or authorization. I have not submitted any credit applications to the entity responsible for the inquiry, and I am concerned that this may indicate potential fraud or misuse of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-07-12 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX [ Date ] Subject : Request to Cease Reporting and Remove Federal Student Loan from XXXX XXXX Account # XXXX ( Federal Data Breach Impact ) To Whom It May Concern, I am writing to formally dispute the reporting of my Direct Consolidation Loan, serviced by XXXX under Account Number XXXX, due to a federal government data breach that compromised sensitive information and impacted my student loan records. 

This breach, which involved unauthorized access through federal systems, caused incorrect or unauthorized information to be reported to the credit bureaus. I had no history of delinquency or non-payment prior to this issue, and the resulting credit damage was not due to any action or inaction on my part. 

Given the nature and severity of the breach, and the harm it caused to my credit, I am requesting that XXXX : Cease all credit reporting for this student loan ; and Formally request removal of this account from all three credit bureaus ( XXXX XXXX, and TransUnion ). 
This request is made under the Fair Credit Reporting Act ( FCRA ), which requires the reporting of only accurate and verifiable data. Due to the breach, verification of the accuracy of this reporting is not possible. 

Please provide a written confirmation of the actions taken in response to this request. 

Thank you for your attention and cooperation. 

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 non-monetary relief
Consumer complaint received 2025-07-12 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX [ Date ] Subject : Request to Cease Reporting and Remove Federal Student Loan from XXXX XXXX Account # XXXX ( Federal Data Breach Impact ) To Whom It May Concern, I am writing to formally dispute the reporting of my Direct Consolidation Loan, serviced by XXXX under Account Number XXXX, due to a federal government data breach that compromised sensitive information and impacted my student loan records. 

This breach, which involved unauthorized access through federal systems, caused incorrect or unauthorized information to be reported to the credit bureaus. I had no history of delinquency or non-payment prior to this issue, and the resulting credit damage was not due to any action or inaction on my part. 

Given the nature and severity of the breach, and the harm it caused to my credit, I am requesting that XXXX : Cease all credit reporting for this student loan ; and Formally request removal of this account from all three credit bureaus ( Experian, XXXX XXXX XXXX ). 
This request is made under the Fair Credit Reporting Act ( FCRA ), which requires the reporting of only accurate and verifiable data. Due to the breach, verification of the accuracy of this reporting is not possible. 

Please provide a written confirmation of the actions taken in response to this request. 

Thank you for your attention and cooperation. 

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 2025-07-12 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: NJ

Complaint narrative:
I requested the verification of the debt, validation, and original contract or removal of the credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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 filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-07-12 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: AL

Complaint narrative:
I have previously requested the correction of inaccurate information on my credit report, which has been verified as incorrect by another credit reporting agency. However, due to your lack of response or the response being deemed frivolous, it is clear that the Credit Bureaus have failed to uphold FCRA regulations and fulfill my request for proper verification. I am requesting that these errors be rectified immediately to ensure accurate records. Below is the list of accounts for your review : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 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: CA

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX 
XXXX XXXX, XXXX, PA XXXX. 

Re : Letter to Remove Inaccurate Credit Information Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : 1.Aldous and Associates ( 06/28/2025 ) After your investigation is complete, please send me the results via mail. 

Thank you in advance, Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: OH

Complaint narrative:
XXXX XXXX under title u.s.c 1611 I would like this removed.'

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