vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 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: FL

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-10-10 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: IL

Complaint narrative:
I discovered fraudulent charges made on my Apple Card in XXXXXXXX XXXX There are so many transactions it would take me days to write them all down. 
Theses charges were made by a gaming company, " XXXX XXXX '', which I have been told is a web game company where people usually bet micro transactions. To be honest, I have not idea how much was charged to the cards, because the card was cancelled by Goldman Sachs, and I have no way to look back at the actual statements. 
It has been a horrific cat and mouse game of me owing them somewhere between {$6000.00} and {$8000.00}, and then THEM owing me $ XXXX. 
My last communication with an agent at Goldman Sachs has been approximately a month ago. However, yesterday, I started getting e-mails again from Apple that based on their review, the original decision of ME owing them money will remain on the closed account because they show no evidence to substantiate the claims. 
I currently have 1,281 archived e-mails with regard to this issue, and I am at wits end. We all know that scams happen everyday, and on any other credit card that I hold have been compromised, the cards were immediately cancelled by the company, new cards were issued, and the fraudulent charges were immediately removed. NO PROBLEM!!

The headache that this has caused me is completely unfair and is an injustice discriminatory issue.This practice of delaying a resolution is ridiculous. 
Is there anyway the CFPB can help me without hiring an attorney ( which I am prepared to do ).

Additionally, there is no way for me to find a Credit Card Number as the account was closed, and the credit card shows no numbers on the face.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
The constant harassment has been going on for month and month, multiple calls of legal actions have been made against me and that is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: CA

Complaint narrative:
I discovered unauthorized inquiries on my credit report, and I dont understand why its there.

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 2025-10-10 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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:
Equifax is reporting accounts on my credit file that are inaccurate, unverifiable, and reporting without permissible purpose. There are inconsistencies across credit bureaus and various Metro 2 reporting violations. The reporting of this false information is a violation of my rights under the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires consumer reporting agencies to maintain only accurate and verifiable information. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: MI

Complaint narrative:
I am writing to formally dispute the reporting of invalid information on my credit report. The account in question is listed as XXXX XXXX XXXX, account number XXXX, in the amount of {$240.00}. My SSN is XXXX This account does not belong to me and is being incorrectly reported by the credit bureaus. This inaccurate reporting is negatively affecting my livelihood, reputation, and access to credit. 

I am requesting that this information be investigated and permanently removed from all credit bureau records immediately, as it is both false and damaging. 

Please confirm receipt of this dispute and advise me of the next steps or any documentation needed to expedite the resolution process. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Village Capital & Investment LLC
State: SC

Complaint narrative:
Village Capital & Invest is reporting inaccurate information on my credit report for an FHA mortgage ( account ending in XXXX ). This loan was paid in full when I sold my house, yet the company continues to report late payments and a XXXX  discharge, which are both false and misleading. 

Details of the Issue : I sold my home, and the full payoff for this FHA mortgage was made to Village Capital & Invest at closing. The lender received full payment and the loan was satisfied. However, my credit report shows multiple XXXX and XXXX late payments in XXXX and early XXXX, and the account is listed as XXXX through XXXX  XXXX XXXX. 
This information is inaccurate. The account was fully paid and should show a XXXX balance with no late payments or XXXX  notation. This incorrect reporting misrepresents my payment history and has caused unnecessary harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/year> Re : Defense of the Foreclosure Abuse Prevention Act ( FAPA ) and Its Retroactive Application Dear CFPB, I am a New York homeowner who has been defending against foreclosure for many years. I write today to urge you to stand firmly in defense of the Foreclosure Abuse Prevention Act ( FAPA ) and, most importantly, its retroactive application.

For too long, large financial institutions and their foreclosure law firms have abused homeowners through endless litigation gamesserial filings, voluntary discontinuances, and repeated acceleration and de-acceleration of the same loan. Families like mine have lived for more than a decade under the crushing weight of lawsuits that should have been barred years ago. Without retroactivity, the very abuses FAPA was designed to stop will continue to punish those of us who have already suffered most. 
In my own case, I have endured repeated filings by banks and servicers, nine separate settlement conferences, and years of uncertainty that robbed my children and me of peace of mind. I have faced intimidation, wrongful credit reporting, and contradictory claims about who even owns my loan. These are not technicalities. They are human costslost time with family, financial devastation, and the constant fear of losing ones home. 
Retroactive application of FAPA is essential because the misconduct happened in the past. To deny retroactivity would reward banks and servicers who already manipulated the system, while leaving families unprotected. That would turn justice on its head. 
Banks argue that retroactivity strips them of vested rights. But the real vested rights are those of New York families to live free of stale and abusive lawsuits. The Legislature passed FAPA precisely because of this abuse. If retroactivity is stripped away, the law becomes a hollow promise, fixing the future while abandoning the families whose suffering demanded reform in the first place. 
I respectfully ask you to continue to defend FAPA in the courts and in the public arena, and to make clear that its protections apply retroactively. Thousands of New York families are counting on this law to finally put an end to abusive foreclosure practices. 
Thank you for your commitment to fairness, justice, and the protection of New Yorkers. 
Sincerely, XXXX XXXX XXXX Homeowner  & Mother of XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SD

Complaint narrative:
Back dated payments, have proof, late fees, false foreclosures incurred predatory lending, fraud, material breach of contract by all means basically not one payment was applied day of, ignoring mentioned payment schedule, no principal and previous complaints because problem was ignored to unjust enrichment and dishonest fiduciary conduct!

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 2025-10-10 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
My medical statement was mailed to a stranger. That stranger mailed my medical statement to me with a note telling me what happened with her signature and phone number. My statement contained 6 pages of detailed medical visits, my name, date of birth, address, phone number and medical insurance name.

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 2025-10-10 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: NJ

Complaint narrative:
my consumer reports does not comply with the fcra and metro 2 guidlines

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 2025-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
RE : Request for Refund Due to Fraudulent Zelle Transaction {$1100.00} Dear all, I am writing to formally dispute a fraudulent Zelle transaction made from my account on XXXX, totaling {$1100.00}. I did not authorize this payment, and I believe I am the victim of a scam that led to unauthorized access or deception resulting in this loss. 

The transaction in question was sent to XXXX with the following transaction details : Transaction ID : XXXX Date : XX/XX/year> Amount : {$1100.00} ], I noticed this unauthorized charge and immediately took steps to report it by calling the bank, I also filed a report with Zelle. 

I believe this transaction qualifies as fraud because e.g., " I was tricked into sending money under false pretenses by someone impersonating a trusted individual or institution. ". At no point did I knowingly authorize a transaction to a scammer or fraudster. I was called by a XXXX which was listed as XXXX on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian is preventing me from accessing my credit report on XXXX XXXX  XXXX They are also failing to remove incorrect information even after they have been notified that the information is incorrect.

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 2025-10-10 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: CA

Complaint narrative:
I am disputing the information reported by XXXX XXXX XXXX. This account is listed as a collection but reflects an active or open balance, which may duplicate a charge-off still reported by the original creditor. This is potentially inaccurate and misleading under the FCRA 1681s-2 ( a ) ( 1 ) ( A ) and FDCPA 1692e ( 2 ) ( A ).

Please reinvestigate and ensure the account accurately reflects its status as a closed collection or remove it if unverifiable.

Please provide written confirmation of the results of your reinvestigation within 30 days as required by the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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:
I am extremely frustrated to see that unauthorized inquiries are still appearing on my credit report this morning. I refreshed my browser several times, yet nothing changed. Please review the documents I sent immediately so this issue can be resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
iv never had access to my credit report from transunion online through my account protal for years, and i was a victim of credit fraud and transunion, my inoforation according to them ss number and date of birth was compromised.

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 2025-10-10 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: ID

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with non-monetary relief