vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under 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 2025-07-09 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: NJ

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX H

as violated my rights. In accordance with the fair credit reporting act you violated the united states code law ( Tila 15 U.S. Code 1666 ( b ) billing error ) 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681C. ( A ) ( 5 ) Section States : No consumer reporting agencia may make any consumer report containing any of the following item of information : any other adverse tems of information, other han records of convictions and crimes which antedates the report by 7 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 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 2025-07-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NY

Complaint narrative:
I was refunded for a return from the reareal made via XXXX with my cashapp card. The XXXX and XXXX both have receipts of the refund being issued to my cashapp card, but cashapp refuses to say they have the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: VA

Complaint narrative:
I recently checked my 3 credit reports and noticed fraudulent accounts that's preventing me from obtaining credit.

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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I opened a Marcus by Goldman Sachs High-Yield Savings Account in XX/XX/XXXX with an initial deposit of {$10000.00}. A few months ago, I attempted to log into my account and was met with a message stating that it had been locked, and I needed to call customer service. I contacted customer service multiple times but was consistently placed on hold and never received proper assistance. Eventually, I was told that the best course of action was to close the account, and I was assured that a check for the full balance would be mailed to my residential address within XXXX business days. On XX/XX/XXXX, I received a mailed notice confirming that the account had been closed. However, it is now XXXX and I still have not received my check. I called Goldman Sachs again, and after verifying my information, they stated they would follow up with a call to the number on file. I never received any follow-up call, and I still have not received the money I am owed. The account is closed, and I have done everything I was asked to do. This situation is unacceptable. I am extremely frustrated. I simply want my {$10000.00} returned. I trusted Goldman Sachs with my savings, and this experience has been nothing short of distressing. I request immediate action to resolve this matter and return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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 am writing to formally dispute a late payment entry that appears on my credit report. I believe this entry is inaccurate, as I have verified through my records that the payment in question was made on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-07-09 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: TX

Complaint narrative:
I am writing to formally dispute and request an immediate investigation into the handling of my personal credit information following the confirmed data breach involving Equifax, which I have verified through the official settlement site. 


XXXX XXXX Account number - XXXX - {$380.00} XXXX  XXXX Account number - XXXX - {$500.00} XXXX Account number - XXXX XXXX Account number - XXXX - {$980.00} XXXX XXXX XXXX Account number - XXXX - {$510.00} XXXX XXXX Account number - XXXX - {$1500.00} XXXX XXXX Account number XXXX - {$950.00}

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 2025-07-09 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 formally dispute and request an immediate investigation into the handling of my personal credit information following the confirmed data breach involving Equifax, which I have verified through the official settlement site. 


XXXX XXXX Account number - XXXX - {$380.00} XXXX  XXXX Account number - XXXX - {$500.00} XXXX Account number - XXXX XXXX Account number - XXXX - {$980.00} XXXX XXXX XXXX Account number - XXXX - {$510.00} XXXX XXXX Account number - XXXX - {$1500.00} XXXX XXXX Account number XXXX - {$950.00}

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 2025-07-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX, Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX H

as violated my rights. In accordance with the fair credit reporting act you violated the united states code law ( Tila 15 U.S. Code 1666 ( b ) billing error ) 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, states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681C. ( A ) ( 5 ) Section States : No consumer reporting agencia may make any consumer report containing any of the following item of information : any other adverse tems of information, other han records of convictions and crimes which antedates the report by 7 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 non-monetary relief
Consumer complaint received 2025-07-09 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-09 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 KEEP DISPUTING THIS FRAUD ACCOUNT OF XXXX XXXX OPENED IN XX/XX/XXXX, I HAVE DISPUTED THIS ACCOUNT OVER XXXX TIMES AND EQUIFAX KEEPS BLOCKING THE ACCOUNT AND XXXX XXXX KEEPS CHANGING THE TRADE LINE AND ACCOUNT NUMBER OR DOLLOR AMOUNT OR LIMIT TO PLACE IT BACK ON MY CREDIT FILE, I HAVE FILED LEGAL ACTIONS AGAINST XXXX XXXX XXXX AND WON IN COURT AS ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  WAS ORDERED BY THE JUDGE TO NOT REPORT THESE XXXX FRAUD ACCOUNTS OPNED IN MY NAME. I HAVE SUBMITTED POLICE REPORTS AND FTC IDENTITY THEFT REPORTS AND COURT RECORDS TO EQUIFAX AND THEY KEEP ALLOWING XXXX XXXX TO PLACE IT BACK ON MY CREDIT FILE, NECT WILL BE LEGAL ACTIONS AGAINST EQUIFAX FOR ALLOWING CREDIT RUINS, I HAVE DONE EVERYTHING POSSIBLE TO STOP THIS NONSENSE BUT EQUIFAX KEEPS ALLOWING THEM TO DO CREDIT RUINS. NOW ITS HAS STOPPED MY LOAN CLOSING AND IM LOSING MY DOWN PAYMENT OF {$150000.00} ALL BECAUSE OF EQUIFAX ALLOWING XXXX XXXX TO PLACE IT BACK ON MY TRADE LINE, I WANT ALL XXXX XXXX A COUNTS REMOVED ASAP PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit reports with Equifax, TransUnion, and Experian. I recently reviewed my credit report from XXXX ( dated XX/XX/year> ), and I discovered a long list of inquiries I did not authorize nor initiate. 

I am concerned that my personal information may have been used without my consent, and I am requesting that a full investigation be conducted and the following inquiries be removed immediately : Equifax Inquiries ( Examples ) : RXX/XX/XXXXOthers listed in my attached credit report TransUnion Inquiries ( Examples ) : XX/XX/XXXXlisted in the attached report Experian Inquiries ( Examples ) : XXXXXX/XX/XXXXOthers listed in the attached report I did not give written or verbal consent for these companies to access my credit profile, and under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information. These inquiries are affecting my creditworthiness and were not tied to any legitimate application initiated by me. 

Requested Action : Please conduct a thorough investigation into these inquiries. If the companies who initiated these inquiries are unable to provide documented proof of my consent ( i.e., signed applications or voice authorization ), I am formally requesting the immediate removal of each unauthorized inquiry from all three bureaus. 

I have included a copy of my full credit report as evidence, along with my personal identification. 

Thank you for your time and attention to this matter. 

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 2025-07-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit reports with Equifax, TransUnion, and Experian. I recently reviewed my credit report from XXXX ( dated XX/XX/year> ), and I discovered a long list of inquiries I did not authorize nor initiate. 

I am concerned that my personal information may have been used without my consent, and I am requesting that a full investigation be conducted and the following inquiries be removed immediately : Equifax Inquiries ( Examples ) : RXX/XX/XXXXOthers listed in my attached credit report TransUnion Inquiries ( Examples ) : XX/XX/XXXXlisted in the attached report Experian Inquiries ( Examples ) : XXXXXX/XX/XXXXOthers listed in the attached report I did not give written or verbal consent for these companies to access my credit profile, and under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or unauthorized information. These inquiries are affecting my creditworthiness and were not tied to any legitimate application initiated by me. 

Requested Action : Please conduct a thorough investigation into these inquiries. If the companies who initiated these inquiries are unable to provide documented proof of my consent ( i.e., signed applications or voice authorization ), I am formally requesting the immediate removal of each unauthorized inquiry from all three bureaus. 

I have included a copy of my full credit report as evidence, along with my personal identification. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
During a natural disaster I requested a temporary forbearance on my property until I would make repairs on the home. Once the forbearance ended, I came current with my account by paying all the suspended payments. I continued to pay my payments on time and was never late. I called Mr. Cooper to dispute the credit report issue. I submitted proof of not missed payment back in XXXX via bank statements and mortgage payment statements. Their response was still that the payments were never made. This false credit report has significantly affect my previous nearly perfect score I worked hard to have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Innovis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern I am writing to request my consumer report and update/correct my personal information on file with you company. 

Please update my address to XXXX XXXX XXXX XXXX XXXX XXXX Please remove all the other addresses off my report as they are not deliverable to me by the U.S. post office , and they are not reportable as per the FCRA, since they are inaccurate. 

My name is XXXX XXXX. Please remove any other aliases. 

Please remove all phone numbers. They do not belong to me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX  XXXX ( Account ending in XXXX ) To Whom It May Concern, I am writing to formally dispute the inaccurate and misleadiing information being reported on my TransUnion credit file regarding the above-referenced account. This letter is a demand for reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and disclosure of your procedures under 1681i ( a ) ( 7 ). 

Specifically, this account is reported with a XXXX late payment in XX/XX/XXXX, despite the account being closed at the consumer 's request and paid in full with a {$0.00} balance. The notation Paid, Closed ; was 30 days past due date is inaccurate and harmful to my credit standing. 

According to Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), consumer reporting agencies must go beyond a superficial verification and conduct a reasonable reinvestigation. Mereely repeating what the furnisher states without scrutiny violates your obligations. 
Additionally, in Richardson v. Equifax Info. Servs., LLC , 2021 WL 4264384 ( 11th Cir. Sept. 20, 2021 ), the court held that reporting a late payment after an account was closed and paid in full may mislead creditors and harm consumers, constituting a violation of the Fair Credit Reporting Act. 

Because the account is paid in full and closed, and no outstanding delinquency remains, there is no permissible basis for reporting a delinquency on a closed, zero-balance account. Reporting this item as late creates a materially misleading impression of my payment history. 

Action Requested : Remove the XXXX late payment from XX/XX/XXXX Update the Pay Status to reflect : Paid in full Closed at consumers request Never late Provide written confirmation of the outcome of your reinvestigation along with a statement of the procedures used ( per 1681i ( a ) ( 7 ) ) If this matter is not resolved within 15 days as required by law, I will pursue all remedies available under 15 U.S.C. 1681n and 1681o, including statutory damages, actual damages, and attorneys fees. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
I submitted a factual dispute to TransUnion regarding a specific account that contains inaccurate and inconsistent information. This account is only reported on TransUnion and not on the other two credit bureaus, which raises concern about its accuracy. I provided details and supporting documentation, but despite my request, TransUnion has failed to take any corrective action. The account remains on my credit report, and I have not received a proper resolution or investigation outcome.

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 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I've been using American Express credit cards since XXXX and on XX/XX/XXXX while dealing with a layoff, American express abruptly closed my credit card accounts without explaining specifically why. With the closure, I also lost over XXXX membership rewards points that I've been saving over last 15 years. I feel this action taken by American Express is deeply unfair.

Company response to consumer: Closed with explanation