vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-30 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 am disputing inaccurate and misleading information on my Experian credit report regarding a current auto loan with XXXX XXXX XXXX XXXX Account # : XXXX ). 

Experian is reporting multiple 30-day late payments in XXXX and a repossession code ( R ) for XX/XX/XXXX, while the same account is listed as open and actively being paid through XXXX. This is materially inconsistent, inaccurate, and misleading in violation of : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy, FCRA 611 ( a ) ( 1 ) ( A ) : Failure to properly investigate disputed data, FCRA 623 ( a ) ( 2 ) : Furnisher failed to correct or delete inaccurate information. 

I have formally disputed this with Experian and requested an expedited reinvestigation. I also requested XXXX to provide documentary proof of any default or repossession. Neither has produced any signed contract, payment history, or repossession documentation. 

I am demanding full deletion of the late payments and repossession entry due to failure to verify under FCRA 609, 611, and 623. This false reporting is harming my credit and violates my rights. 

Please intervene immediately and hold Experian and XXXX accountable for full 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 2025-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Upgrade , Inc closed my savings account on XX/XX/25 and did not pay me the {$41.00} of already credited interest posted on XX/XX/25, I was only paid the principal balance..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
Company place a collection with the credit bureau stating that I owe XXXX XXXX  {$840.00} the company calls me about 10 times or more for the day I requested a debt validation Im yet to receive it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CT

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
* * URGENT MATTER * * To : Alliant Credit Union Attn : XXXX XXXX Department XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Unauthorized Hard Inquiry Request for Immediate Deletion Dear Alliant Credit Union, I am formally disputing the unauthorized hard inquiry that appears on my credit report dated XX/XX/XXXX from Alliant Credit Union. I did not authorize this inquiry nor did I apply for credit or any services that would permit your organization to access my credit profile on this date.

This inquiry constitutes a violation of the Fair Credit Reporting Act ( FCRA ) : Section 604 ( a ) ( 3 ) ( 15 U.S.C. 1681b ), which requires a permissible purpose with my express consent ; and Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which mandates that furnishers ensure maximum accuracy and that data is only reported with proper authorization. 

Furthermore, this inquiry is not linked to any open account or any legitimate application that I initiated. Continuing to report this inquiry is inaccurate and harmful to my credit profile. 

Case Law Support : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) Furnishers must delete unauthorized or inaccurate information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Credit furnishers must ensure maximum accuracy and remove disputed inaccuracies. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) Furnishers must fully investigate disputes and correct any errors, including unauthorized inquiries. 

I hereby demand the immediate deletion of this unauthorized hard inquiry from my credit report. If you fail to delete this inquiry within 15 business days, I will pursue legal action for willful noncompliance with the FCRA, including statutory, actual, and punitive damages under FCRA 616 and 617. 

Please confirm in writing that this inquiry has been permanently deleted and provide me with an updated copy of my credit report reflecting the removal. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: CA

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : - XXXX, ACCOUNT # XXXX. OPENED ON XX/XX/XXXX. 
- XXXX, ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX. OPENED ON XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Account XXXX XXXXXXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX I'm unaware of this debt and not have the opportunity to dispute this account. If you believe you have sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX * * * * as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Accounts : XXXX XXXX, Account XXXX, Amount XXXX, date opened XX/XX/XXXX XXXX XXXX, Account number XXXX, Amount XXXX date opened XX/XX/XXXX XXXX XXXX Account number XXXX, Amount XXXX, date opened XX/XX/XXXX XXXX XXXX Account number XXXX, Amount XXXX, date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Account number XXXX, Amount XXXX, date opened XX/XX/XXXX XXXX XXXX, Account XXXX XXXX, Amount XXXX, date opened XX/XX/XXXX XXXX XXXX XXXX, Account number XXXX, Amount XXXX XXXX XXXX XXXX, Account number XXXX, Amount XXXX, date opened XX/XX/XXXX INQUIRES : 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 2025-05-30 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: NC

Complaint narrative:
I am writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under 15 U.S. Code 1681b and 1681i. The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the FCRA : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  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 explanation
Consumer complaint received 2025-05-30 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: NC

Complaint narrative:
I am writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under 15 U.S. Code 1681b and 1681i. The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the FCRA : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
We are co-owners of an Apple Card account issued by Goldman Sachs Bank USA. I, XXXX, and my wife, XXXX, maintain both a closed Apple Card account and an active joint Apple Card account. On XX/XX/XXXX, a charge in the amount of {$270.00} was processed by XXXX XXXX, shown on the statement as XXXX  at XXXX PM ET. 

This charge was unauthorized. Neither I nor my wife provided our new Apple Card number to this merchant. Furthermore, this charge occurred after Goldman Sachs confirmed removal of our account ( s ) from the XXXX Automatic Billing Updater ( XXXX ) program following our formal opt-out request, which was the subject of a prior CFPB complaint ( # XXXX ) submitted on XX/XX/XXXX. 

In that complaint, we requested to be permanently opted out of the XXXX program due to privacy, billing control, and unauthorized transaction concerns. Goldman Sachs confirmed in their response dated XX/XX/XXXX, that our card profile was removed from the XXXX program. We relied on this representation in good faith. 

Despite this confirmation, the merchantXXXX XXXX received our new card number and successfully charged the account. Prior to this, multiple attempts by the same merchant to charge our replaced card were declined, as reflected in our transaction history. These earlier charges from XX/XX/XXXX through XX/XX/XXXX all show Declined Card Replaced. However, the charge on XX/XX/XXXX was suddenly approved, which strongly suggests that the XXXX opt-out was either reversed, misapplied, or only applied to one of our accounts ( possibly the closed one rather than the active joint account ). 

This raises serious concerns about : A potential failure by Goldman Sachs to apply the XXXX opt-out to all related accounts, including closed and jointly held cards. 
Unauthorized access to our updated card number, constituting a violation of our right to control payment credentials. 
The ongoing failure to protect consumers from recurring billing abuse and unauthorized transactions even after formally opting out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 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: AL

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 ) ( 1 ) 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 2025-05-30 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: TX

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 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 2025-05-30 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:
Mortgage payments have been paid on time monthly for years. Payments were automatic to the mortgage company for years. They require proof of insurance every 6 months which I have provided every time. They claim to not have received this proof and acquired insurance which increased the amount of the monthly payment. I was not aware of the increase until a month later. Once I realized, I increased our payment and also provided the proof of insurance again. They reported me delinquent because of the difference in the increased payment amount and what was automatically sent. I immediately rectified, paid the difference and increased my payment. This one month mistake had a very negative affect on my credit scores, decreasing them by XXXX points. I reported a dispute and contacted the mortgage company but nothing was accomplished with either. My credit was excellent before this with scores in the XXXX 's and showing no delinquent or negative reports for years. This one incident has reduced my scores to the XXXX 's.

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 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I have been unable to access my Barclays credit card account online for over two years. Despite calling their customer service three to four times, each time Im told the issue will be resolved within a couple of days yet nothing ever changes. Each call takes 30 to 45 minutes, only to result in empty promises and no progress. No one ever follows-up. 

This ongoing issue has caused significant and unnecessary stress for my family. Both my son and I are dealing with serious health challenges, and we are under considerable financial and emotional strain. The added burden of Barclays failure to address a basic service issue despite repeated assurances reflects a troubling disregard for their customers needs.

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 2025-05-30 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: CT

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-30 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: NM

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-30 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: IL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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