vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: MD

Complaint narrative:
I'm writing to communicate my anxiety in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
Someone hacked my identity and used my information and Apple card ( issued by Gold Sacs ) to order a laptop from Apple and then had it shipped to apple store where they picked it up. The store would not provide video evidence or a signature confirming delivery could not provide email communications confirming the order nor confirming the order was ready for pick up. I filed a police report and also reported the fraud to the fbi after attempting to have the charges reversed I have done this at least 5 times and Goldman continues to not remove the charges from my account the most recent reversal was this past week. XX/XX/XXXX the original dispute was from XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
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 XXXX XXXX XXXX. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of XXXX  which antedates the report by more than XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) 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 2025-06-27 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing a collection account reported by CREDIT COLLECTIONS ( XXXX XXXX XXXX, XXXX, MA XXXX ) with account number ending in * XXXX, for the amount of {$1000.00}. The original creditor is listed as XXXX  XXXX XXXX XXXX, classified under insurance services. No, I do not recognize this debt. I have never held an insurance policy, applied for coverage, or had any business relationship with XXXX  XXXX XXXX XXXX. I also never received any billing, service, or notification related to this alleged debt. I disputed the account with the credit reporting agency, contacted the collection agency requesting debt validation, and filed a fraud alert with the credit bureaus. I also reviewed all relevant records and found no connection to this account. Additionally, I am monitoring my credit for other signs of fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
The hard inquiry that appears on my credit report is unauthorized and raises concerns about potential identity theft. I have not submitted any credit applications to the party listed and suspect this access was made in error or without consent.

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 2025-06-27 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:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have XXXX XXXX  my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: VA

Complaint narrative:
I have no knowledge of this account or this debt collector! They are falsely putting inaccurate and unverified information on my credit report, damaging my reputation and Credit! I have no knowledge of this account nor does this Debt collector have a contract, bearing my signature saying that I owe them! This not accurate and false information is damaging my livelihood!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
AFFIRM INC is reporting inaccurate information of the following account numbers : AFFIRM INC XXXX AFFIRM INC - XXXX AFFIRM INC - XXXX AFFIRM INC - XXXX AFFIRM INC - XXXX AFFIRM INC - XXXX AFFIRM INC - XXXX AFFIRM INC - XXXX The consumer states these accounts do not belong to him and no supporting documents were provided after dispute. The furnisher failed to follow the verification process under FCRA XXXX. We request deletion from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). Please remove all fraudulent information from my credit report promptly.

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 2025-06-27 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: TX

Complaint narrative:
I am submitting this complaint because Equifax is reporting inaccurate and false information on my credit report. I have disputed this account with the credit bureaus, but the creditor has responded by verifying the information without providing proper documentation or validation. 

Specifically, the inaccurate information includes Wrong balance ] Incorrect payment history ] : Reporting account as late or charged-off when it I have attempted to resolve this issue by directly contacting both the credit bureaus and the creditor. However, I have not received sufficient evidence or a valid explanation to support the reporting. 

Under the Fair Credit Reporting Act ( FCRA ), creditors are required to ensure that the information they furnish is accurate and verifiable. The continued reporting of this false information is harming my credit and financial well-being. 

I respectfully request the CFPB investigate this matter and compel Equifax to either provide verifiable documentation of this account or remove it entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
" 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 on my XXXX XXXX  account [ XXXX ]. 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 non-monetary relief
Consumer complaint received 2025-06-27 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than XXXX hours which shows first a real person did not investigate but instead an XXXX XXXX According to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. 
I have identified accounts listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : 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 explanation
Consumer complaint received 2025-06-27 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: LA

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! 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: MA

Complaint narrative:
CFPB Complaint Your Name : XXXX XXXX XXXX XXXX. 
Address : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX SSN ( Last XXXX digits ) : XXXX Date : XX/XX/2025 Company Youre Complaining About : XXXX XXXX XXXX, XXXX Also Report the Bureaus Involved : Equifax, Experian, TransUnion What is the issue youre experiencing? 
Incorrect information on my credit report a debt collector and original creditors are both reporting the same accounts as delinquent and showing balances. 

What happened? 
I am submitting this complaint because XXXX XXXX XXXX ( XXXX ) is reporting multiple collection accounts on my credit reports that are also being actively reported by the original creditors each showing balances owed and delinquency statuses simultaneously. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The original creditors are still reporting balances and current delinquency statuses on these same debts, which means that both the collector and the original creditor are reporting the same debt as active and owed a clear violation of the Fair Credit Reporting Act ( FCRA ). 
Under the law, only XXXX party can legally report an outstanding balance at a time. Once a debt is sold or transferred, the original creditor is required to update the balance to {$0.00}. The simultaneous reporting of open balances by both XXXX and the original creditor inflates my apparent debt burden, misrepresents my credit profile, and harms my creditworthiness. 
I have disputed this with the credit bureaus ( Equifax, Experian, and TransUnion ), but the accounts remain and appear to have been simply verified without any meaningful investigation or correction. 
This is a violation of : FCRA XXXX ( b ) Obligation to report accurate and complete information ; FCRA XXXX Obligation to reasonably investigate disputed information ; FDCPA XXXX ( XXXX ) Prohibition of false or misleading representation of the legal status of a debt. 
I believe this is an unfair and deceptive collection and reporting practice, and it is causing real and ongoing harm to my credit and finances. 

What would be a fair resolution to your issue? 
The immediate deletion of all XXXX XXXX XXXX accounts listed above from my credit reports ; A full investigation into the duplicate reporting of balances by both XXXX and the original creditors ; Written confirmation from the credit bureaus that the items have been permanently removed and will not be reinserted unless fully verified and legally compliant ; Appropriate enforcement action to ensure XXXX and the credit bureaus cease unlawful and misleading credit reporting practices. 


Respectfully, 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 2025-06-27 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: MA

Complaint narrative:
CFPB Complaint Your Name : XXXX XXXX XXXX XXXX. 
Address : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX SSN ( Last XXXX digits ) : XXXX Date : XX/XX/2025 Company Youre Complaining About : XXXX XXXX XXXX, XXXX Also Report the Bureaus Involved : Equifax, Experian, TransUnion What is the issue youre experiencing? 
Incorrect information on my credit report a debt collector and original creditors are both reporting the same accounts as delinquent and showing balances. 

What happened? 
I am submitting this complaint because XXXX XXXX XXXX ( XXXX ) is reporting multiple collection accounts on my credit reports that are also being actively reported by the original creditors each showing balances owed and delinquency statuses simultaneously. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The original creditors are still reporting balances and current delinquency statuses on these same debts, which means that both the collector and the original creditor are reporting the same debt as active and owed a clear violation of the Fair Credit Reporting Act ( FCRA ). 
Under the law, only XXXX party can legally report an outstanding balance at a time. Once a debt is sold or transferred, the original creditor is required to update the balance to {$0.00}. The simultaneous reporting of open balances by both XXXX and the original creditor inflates my apparent debt burden, misrepresents my credit profile, and harms my creditworthiness. 
I have disputed this with the credit bureaus ( Equifax, Experian, and TransUnion ), but the accounts remain and appear to have been simply verified without any meaningful investigation or correction. 
This is a violation of : FCRA XXXX ( b ) Obligation to report accurate and complete information ; FCRA XXXX Obligation to reasonably investigate disputed information ; FDCPA XXXX ( XXXX ) Prohibition of false or misleading representation of the legal status of a debt. 
I believe this is an unfair and deceptive collection and reporting practice, and it is causing real and ongoing harm to my credit and finances. 

What would be a fair resolution to your issue? 
The immediate deletion of all XXXX XXXX XXXX accounts listed above from my credit reports ; A full investigation into the duplicate reporting of balances by both XXXX and the original creditors ; Written confirmation from the credit bureaus that the items have been permanently removed and will not be reinserted unless fully verified and legally compliant ; Appropriate enforcement action to ensure XXXX and the credit bureaus cease unlawful and misleading credit reporting practices. 


Respectfully, 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 2025-06-27 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-27 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company 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