vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: NY

Complaint narrative:
I am filing this complaint because Equifax has reported inaccurate, incomplete, and unverifiable information on my credit report. Despite multiple disputes, Equifax has failed to properly investigate as required under the Fair Credit Reporting Act ( FCRA ), specifically 602, 607, 611, and 623. 

I am requesting that the CFPB assist in compelling Equifax to correct these errors and conduct a lawful reinvestigation in compliance with the FCRA. Any unverifiable items should be removed from my credit report. 

Charged Off Accounts in Dispute ( EQ ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are inaccurately reported, and Equifax has failed to provide proper validation or documentation of these accounts. 

Inquiries ( EQ ) XXXX XXXXXX/XX/XXXX This inquiry is being reported inaccurately, and I request it be removed unless validated. 

Late Payments ( EQ ) XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-18 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: LA

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 would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: IN

Complaint narrative:
I have requested a new cash app card through my account using the step by step process and every time I do this I get the same message. " Unexpected error has occurred. Please try again later ''. I've been trying to get a new cash app debit card for over 6 months and have not been able to get customer service to give me a reason why I'm unable to request a new card or assistance with acquiring a card. I'm losing out on benefits and have many other problems because I do not have a debit card for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
Santander Consumer USA is reporting an auto loan account # : XXXX on my credit report that appears inaccurate and unverified. I am filing this complaint because I want the account fully investigated to ensure the reporting is accurate, properly verified, and supported with correct documentation. I am requesting that the company provide complete verification and correct or remove any information that can not be fully validated. Santander Consumer USA will be receiving the below referenced PDF document, through certified mail demanding debt validation and full accounting required by law and to cease all further collections, or communications until the account is verified by law within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: GA

Complaint narrative:
I paid my credit card off and they just randomly closed it 3 weeks later for no reason because someone took my debit card number over the phone, but was supposed to to use the account number to pay so that means theyre stealing debit card numbers. They paid with an account that I no longer have access with instead of paying with the last payment.

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I had a Synchrony issued Care Credit account in good standing with a good credit limit. Card was used on several occasions and always paid on time, and paid to a XXXX balance. I very recently requested a higher credit limit and was instantly approved. I needed the higher limit to plan for a XXXX, so once the limit was increased, I scheduled the XXXX knowing I had the funds available on the card. Less than a month later I tried using the card for a very small amount and it went through fine. A week later I tried using the card for a small amount and it was declined. I contacted Synchrony only to find out the card had been closed. I never had a missed payment, I never had a late payment and the card had even been previously paid off to a XXXX balance. The spontaneous closing of my account has hurt my credit score tremendously and for absolutely no reason. They raised my limit significantly, then less than a month later, closed my account without warning, causing harm to my credit score. The only drop in my credit score was due to Synchrony unnecessarily closing my account. This is clearly a very unprofessional and predatory practice on their part and its harming innocent consumers with otherwise good credit scores.

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Concord Servicing Corporation
State: CA

Complaint narrative:
Issue Summary : XXXX  failed to properly investigate my dispute regarding a Concord Servicing LLC account. The account is reported as Paid Closed, yet XXXX  continues to classify it as Potentially Negative. 
This is misleading and inaccurate. 
Important Note : XXXX and XXXX have fully removed this account from my credit reports. XXXX  is the only bureau still reporting it inaccurately. The original is will XXXX XXXX  that have no longer been reporting on all Credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: FL

Complaint narrative:
I am a victim of identity theft and have a police report or FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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 submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: MD

Complaint narrative:
I am disputing multiple inaccurate and potentially duplicate entries appearing on my Experian report. 

Charged-Off Accounts in Dispute XXXX XXXX XXXXXXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX, Reported XX/XX/XXXX, Balance : {$4800.00} ) XXXX XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX, Reported XX/XX/XXXX, Balance : {$1500.00} ) U.S. Dept of EdXXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX XXXX, Reported XX/XX/XXXX, Balance : {$1500.00} ) I request Experian to verify these accounts with proper documentation and remove any unverifiable or duplicate listings. 

XXXXnquiry in Dispute XXXX XXXX, Dated XX/XX/XXXX This inquiry was not authorized by me. Please remove unless proof of consent can be provided. 

Late Payments in Dispute The following tradelines are reporting inaccurate or unverified late payments : XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please reinvestigate these items and delete any unverifiable or inaccurately reported delinquencies.

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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I purchased what was advertised online as a XXXX XXXX. The merchants video showed the XXXX  being powerful enough to XXXX XXXX XXXX XXXX Before placing the order, I contacted their help desk to confirm whether the product was real. They responded that it was a XXXX XXXX and that it would ship in a few days. Based on that assurance, I completed the purchase. 

A few days later, I became concerned because no background check was required for what was supposed to be a XXXX XXXX. I researched the product and found a XXXX video explaining that the item was actually fake. I attempted to contact the merchant again, but the website and customer service were no longer accessible. 

The package arrived about three weeks later, and my concerns were confirmedthe item was a childrens toy that fires plastic pellets, not a real handgun as advertised. 

I disputed the {$210.00} charge with Goldman Sachs, but for over a year I have been unable to get clarity or a proper resolution. Despite providing information and evidence, Goldman Sachs has continued to deny the dispute. This process has been extremely frustrating and has not resulted in a fair outcome.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 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 dispute certain inaccuracies reflected in my credit reports with the three major credit bureaus ( XXXX XXXX, and TransUnion ). Below are the details of the disputed accounts that require correction. 


Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$880.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$2000.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$4700.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$56.00} XXXX & XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$13000.00} Inquiries : XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments : DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX, XXXX DEPT OF EDUCATIONXXXX, XXXX DEPT OF EDUCATION/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 2025-11-18 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: MD

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 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 2025-11-18 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: NC

Complaint narrative:
I am disputing the following accounts reported on my TransUnion credit report due to inaccuracies and incomplete information. Please investigate and correct the reported details as per the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF Accounts : XXXXXXXX XXXX XXXX XXXXccount Number : XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1500.00} INQUIRIES : No inquiries listed on my TransUnion report. 

LATE PAYMENTS : XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2025-11-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
DisputeXX/XX/XXXXXXXX {$3000.00} charge dated XX/XX/year> to XXXX XXXX XXXX. 

I paid a {$3000.00} retainer on XX/XX/year> for representation in an Order of Protection case. 
Five days later, on XX/XX/year>, the petitioner voluntarily filed and personally served a Motion to Vacate directly on attorney XXXX XXXX ( attached court-stamped Motion and both Proof of Delivery pages showing service to his exact office address and email XXXX ). The case was dismissed on XX/XX/year>. 

Despite repeated requests in XXXX and XX/XX/year>, I was never provided any invoice, billing records, or accounting of the retainer. 
Capital One initially issued a {$3000.00} provisional credit, then reversed it after the merchants response. 

On XX/XX/year> I called to discuss the dispute. The moment I stated I was recording the call ( legal one-party consent in XX/XX/XXXX my residence ), the supervisor immediately hung up on me. I have attached the full recording. 

Because I have never received any invoice or evidence that any of the retainer was earned, the entire {$3000.00} remains unearned. 

Desired outcome : permanent {$3000.00} credit plus removal of all finance charges and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: IL

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against TransUnion and Equifax regarding their continued reporting of inaccurate information and their failure to conduct a lawful and reasonable investigation, as required under the Fair Credit Reporting Act ( FCRA ). This complaint is specifically in reference to the recent lawsuits and findings regarding the credit bureaus use of XXXX XXXX XX/XX/XXXX which deprive consumers of fair, thorough, and compliant dispute investigations. 

On XX/XX/year>, I submitted a dispute regarding the following account : Company : XXXX XXXX XXXX : TransUnion & Equifax Dispute Date : XX/XX/year> Despite my timely dispute, TransUnion and Equifax failed to conduct a proper investigation as required under Sections 1681i ( a ) and 1681e ( b ) of the FCRA. The continued reporting of this account without carrying out a meaningful reinvestigation constitutes a direct violation of federal law and aligns with the bureau behavior highlighted in recent lawsuits addressing unlawful sham dispute handling practices. 

Because the bureaus did not conduct a legitimate, good-faith investigation, the account must be immediately removed from my credit file.

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 2025-11-18 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 am writing to dispute certain items on my Equifax credit report that I believe to be inaccurate or incomplete. Below are the details of the accounts in dispute : Charged Off 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: OH

Complaint narrative:
I request that the information listed on my TransUnion credit report be reviewed thoroughly. Several discrepancies have been found, and I am asking for a formal investigation to verify or remove the inaccurate data. Please provide supporting evidence for the reported accounts and inquiries. 

Charged Off 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 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 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

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 2025-11-18 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: LA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request violates 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-11-18 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 USC 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts I've referenced are not 100 % accurate. Until you provide competent evidence that validates the debt-including a signed agreement, full account history, and verification of your authority to collect-you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief