vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: TX

Complaint narrative:
I sent a dispute letter to the credit bureaus about 45 days ago and I have not received a response or the investigation results. The law states they have 30 days to respond and to send me the results and failed to do that. Their mishandling of my file is costing me greatly and I am consulting with a consumer rights attorney who specializes in suing credit bureaus, creditors and collectors. He told me to file this complaint along with other agencies. I will proceed unless this is fixed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: PA

Complaint narrative:
This account was previously disputed and removed from my credit report earlier this year after a formal investigation. I provided documentation at that time and received confirmation that the account did not meet the requirements to be reported. Despite this, the collection account has now reappeared with altered dates and without any new verification or written notification. 

I have not received any communication from the company at my current address, which Ive lived at since XX/XX/XXXX. The only known correspondence has gone to an address XXXX havent lived at for nearly three years. 

I have uploaded supporting documentation including : Screenshots from the previous dispute and removal A copy of my lease agreement showing my established residence beginning XX/XX/XXXX Utility bills dating from XX/XX/XXXX through the current month This repeated and misleading reporting has negatively impacted my credit and was done without proper notice or valid verification, potentially violating FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: AL

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: UT

Complaint narrative:
XXXX XXXX XXXX has XXXX  submitted affidavits to the court stating that a summons was handed to me personally, to which I have video evidence of this not happening. 

The XXXX  time was XXXX. I submitted a summons to set as side the case, on XX/XX/year>. 

On XX/XX/year> they submitted an answered basically saying I was lying, so I sent them the video evidence. 

On XX/XX/year> the court gave them until XX/XX/year> to give me the papers correctly. 

On XX/XX/year> once again the papers were left on the door. And an affidavit was sent to the court stating it was handed to me and I stated my name. 

XX/XX/year> I submitted a motion to set aside again. 

XX/XX/year> they resent the affidavit to the court. 

XX/XX/year> I sent them video evidence again. 

XX/XX/year> they sent an affidavit for a different suit against my wife, stating they gave the papers to her. When they handed them to our minor child, who stated I was not home. Also, sent them video of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I submitted a dispute for {$50.00} for a transaction that should have been refunded from the merchant and never was put back on my account. The merchant cussed at me and hung up on me because we left her a XXXX star review on XXXX due to the way we were treated during her open house. To be spiteful she refused to refund me the {$50.00} appointment fee, going against her own cancellation policy. I canceled my appointment an hour after making the appointment which was well within the XXXX hour required time to cancel to receive a refund, as my appointment was not for another XXXX  days. 
I have had to submit this evidence on XXXX separate occasions to XXXX  XXXX XXXX and the dispute keeps getting rejected and put back on my account due to lack of evidence. 
I truly believe someone in there back office is not actually reading the evidence being submitted because if they were I would not have to keep going through this. I submitted a screenshot of the date and time my appointment was made, a screenshot of the date and time I canceled my appointment and a screenshot of the merchants own cancellation policy. I was able to get a screenshot of her cancellation policy despite the fact she blocked me from my online account with her practice. Another spiteful action towards me from the merchant and I have attached proof of everything to Goldman Sachs with no resolution thus far. This incident happened in XXXX, it is now nearly XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4700.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccuracies that have been reported on mybcredit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ). I have reviewed my credit reports from EQUIFAX and have identified several discrepancies in the personal information. 
XXXX. Incorrect Names : - Incorrect XXXX : XXXX XXXX - Incorrect XXXX : XXXX XXXX - Incorrect XXXX : XXXX XXXX -Correct Name : XXXX XXXX XXXX XXXX. Wrong Addresses : none - Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Wrong Employers : none - Correct Employer : XXXX XXXX XXXX Actions Requested : Please correct the listed names, addresses, and employment history on my credit file to reflect the accurate details mentioned above. 
Provide me with written confirmation of these changes and updated credit reports. 
Under the FCRA, I am entitled to dispute inaccurate information, and I kindly request that you thoroughly investigate these discrepancies. Please send me confirmation of the actions taken in relation to this dispute within 30 days required by law. 
Supporting Documentation : To assist in verifying my correct personal information, I have enclosed copies of the following documents : - A copy of my government-issued ID ( e.g., driver 's license, passport ). 
- A utility bill or bank statement showing my correct address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccuracies that have been reported on mybcredit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA 611 ( 15 U.S.C. 1681i ) and 607 ( b ) ( 15 U.S.C. 1681e ( b ). I have reviewed my credit reports from EQUIFAX and have identified several discrepancies in the personal information. 
XXXX. Incorrect Names : - Incorrect XXXX : XXXX XXXX - Incorrect XXXX : XXXX XXXX - Incorrect XXXX : XXXX XXXX -Correct Name : XXXX XXXX XXXX XXXX. Wrong Addresses : none - Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Wrong Employers : none - Correct Employer : XXXX XXXX XXXX Actions Requested : Please correct the listed names, addresses, and employment history on my credit file to reflect the accurate details mentioned above. 
Provide me with written confirmation of these changes and updated credit reports. 
Under the FCRA, I am entitled to dispute inaccurate information, and I kindly request that you thoroughly investigate these discrepancies. Please send me confirmation of the actions taken in relation to this dispute within 30 days required by law. 
Supporting Documentation : To assist in verifying my correct personal information, I have enclosed copies of the following documents : - A copy of my government-issued ID ( e.g., driver 's license, passport ). 
- A utility bill or bank statement showing my correct address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: IN

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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/2022, Balance : {$5200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
I was a victim of identity theft and have provided all the documentation needed to the credit bureaus regarding this account. I have requested that this information is removed immediately before a litigation complaint is submitted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or XXXX  inquiries as reported. The aforementioned accounts, collections, and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and XXXX  inquiries are the 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 2025-07-28 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: NC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or XXXX  inquiries as reported. The aforementioned accounts, collections, and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Complaint against PayPal Fraudulent refund, account limitation, and lack of due process I sold an item through PayPal and shipped it using their tracked service. On XX/XX/2025. The buyer received the item confirmed by the original tracking number I provided and by messages with myself and the buyer on XXXX. He even left a XXXX star review for me and then XXXX days Later, the buyer fraudulently opened a case against me and reused that same tracking number to falsely claim they had returned the item. Nothing was ever returned to me. 

Despite this, PayPal refunded the buyer {$100.00} and charged me an additional {$30.00} dispute fee. I lost a total of {$110.00} due to this scam. I submitted proof that the buyer reused my original tracking number, and I requested a review. 

Instead of investigating, PayPal permanently closed my account with no warning and no clear explanation. I was denied any opportunity to appeal or defend myself. Multiple attempts to request more information including via phone calls, chat messages, and email to XXXX were ignored or met with copy-paste replies. 

When I called customer service, I was told directly by a representative named XXXX that my account was banned due to this one buyer, and that there was no reference number or way to appeal. He did however say he sent an appeal on the case with the buyer to their internal investigation team but until I win it I can not appeal my account closure. 

PayPal allowed a scammer to abuse their return system and then penalized me for reporting it. I am asking that this case be reopened, that the {$110.00} be refunded, and that PayPal be required to provide a full explanation for their decision.

Company response to consumer: Closed with monetary relief