vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
This account is not mine and is being inaccurately reported on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-11-17 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:
I am filing a formal complaint regarding multiple inaccurate, unauthorized, and damaging items appearing on my credit reports, which require immediate removal due to violations of federal consumer protection laws. Upon reviewing my reports across Experian, Equifax, and TransUnion, I discovered that XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  is being reported with a balance owed of {$2600.00} and listed as charged-off, despite no documentation such as a Form 1099-C or any other proof supporting or validating this alleged charge-off, which directly violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], requiring consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. This charged-off reporting is false, misleading, and materially harmful to my creditworthiness. Additionally, I identified collection accounts being reported without proper verification, specifically XXXX XXXXXXXX XXXX XXXX XXXX XXXX on Equifax for {$260.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on TransUnion, which violate FCPA 807 ( 15 U.S.C. 1692e ), FDCPA 809 ( 15 U.S.C. 1692g ), and FCRA 605B ( 15 U.S.C. 1681c-2 ) because the furnisher has failed to validate the accuracy, ownership, or legitimacy of these debts. The continued reporting of these unverified collection accounts is misleading, creates a false representation of my financial reliability, and causes significant emotional distress. Furthermore, I discovered an unauthorized inquiry by XXXX XXXX  dated XX/XX/year> appearing on TransUnion without my knowledge or consent, which violates FCRA 619 ( 15 U.S.C. 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ), as no permissible purpose exists for this inquiry, and I never provided authorization for this access of my personal credit file. The combination of these false, unverified, and unauthorized items including the fraudulent charged-off account, the improperly reported collection accounts, and the unauthorized hard inquiry demonstrates a clear failure by the credit reporting agencies and the furnishers to comply with federal law and to uphold their duty to maintain accurate, verifiable, and lawful information, causing substantial harm to my credit profile, my financial opportunities, and my peace of mind.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent credit reporting by Goldman Sachs Bank for my Apple Card account. 

The same account is being reported differently between XXXX XXXX XXXX XXXX, which is a violation of FCRA requirements for accurate and consistent reporting under 1681e ( b ) and 623 ( a ) ( 1 ). 

Examples of inconsistencies : XXXX  lists the account as : Charged off, with remarks : Charged off account / Account closed by credit grantor. 
XXXX  lists the same account as : Profit and Loss Write-off, In Collections/Charge-off, and includes different dispute remarks such as Dispute resolved by grantor. 
Payment history, status, and remarks differ between the two bureaus.

These two credit bureaus can not have conflicting information for the same account. This violates accurate reporting standards, creates consumer harm, and lowers my credit score unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX  XXXX XXXX Balance : - XXXX  XXXX Balance : {$7200.00} XXXXXXXX XXXX XXXXXXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX {$410.00} XXXX  XXXX XXXX Balance : - XXXX  XXXX Balance : {$7200.00} XXXXXXXX XXXX XXXXXXXX XX/XX/year>

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 2025-11-17 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: AR

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding specific items on my credit report, including a late payment reported on a closed account with XXXX  ( balance {$0.00} ), as well as hard inquiries from XXXX XXXX XXXX XXXX ( dated XX/XX/year> ), XXXX XXXX XXXX ( dated XX/XX/year> ), and XXXX XXXX ( dated XX/XX/year> ). I believe that these items are inaccurate, incomplete, or unverifiable, yet they remain on my credit report. I have not received any results or explanations from the credit reporting agency ( CRA ) regarding the accuracy of these entries, which I believe constitutes a violation of the reinvestigation and accuracy standards set forth by 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 2025-11-17 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: AR

Complaint narrative:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding specific items on my credit report, including a late payment reported on a closed account with XXXX  ( balance {$0.00} ), as well as hard inquiries from XXXX XXXX XXXX XXXX ( dated XX/XX/year> ), XXXX XXXX XXXX ( dated XX/XX/year> ), and XXXX XXXX ( dated XX/XX/year> ). I believe that these items are inaccurate, incomplete, or unverifiable, yet they remain on my credit report. I have not received any results or explanations from the credit reporting agency ( CRA ) regarding the accuracy of these entries, which I believe constitutes a violation of the reinvestigation and accuracy standards set forth by the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
I'm writing to communicate my XXXX  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 non-monetary relief
Consumer complaint received 2025-11-17 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: GA

Complaint narrative:
I am filing this complaint because my credit reports from Experian and Equifax contain multiple inconsistent, contradictory, and inaccurate entries regarding my XXXX XXXX XXXXXXXX accounts and my XXXX XXXXXXXX XXXX account , and these errors have created confusion, distress, and the appearance of instability in my credit profile. On my Experian report, the same XXXX XXXX XXXX account ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  appears repeatedly but with drastically different balances {$6400.00}, {$2500.00}, {$2200.00}, {$3900.00}, and XXXX XXXXdespite all listing the same Date of Last Activity, XX/XX/XXXX, and being reported on different days such as XX/XX/XXXX and XX/XX/XXXX, which makes it impossible for these entries to represent accurate reporting of a single account ; at the same time, Experian lists my XXXX XXXX XXXX account ending XXXXXXXX XXXX XXXX XXXX with a balance of {$4900.00} and a Date of Last Activity of XX/XX/XXXX but reported on XX/XX/XXXX, which conflicts with my records. Equifax repeats these errors but creates an entirely different set of contradictions by reporting the exact same XXXX  accounts with the same balances {$6400.00}, {$2500.00}, {$2200.00}, {$3900.00}, and $ XXXX lists a different Date of Last Activity for all of them, XX/XX/XXXX instead of XX/XX/XXXX, and reported them all on XX/XX/XXXX, which clearly contradicts Experian and can not legally be accurate for the same accounts. Equifax also shows my XXXX XXXX XXXX account ending XXXXXXXX XXXX XXXX XXXX with the same balance of {$4900.00} but a different Date of Last Activity, changing it to XX/XX/XXXX instead of XX/XX/XXXX, again demonstrating that at least one bureau is reporting false information. These discrepancies violate my rights under the Fair Credit Reporting Act, including 15 U.S.C. 1666 and 1666a regarding correction of billing errors and restrictions during disputes, FCRA 611 ( 15 U.S.C. 1681i ) guaranteeing my right to dispute inaccurate information, FCRA 623 ( a ) ( 1 ) ( A ) requiring accurate reporting, FCRA 623 ( a ) ( 2 ) requiring furnishers to correct and update inaccurate information, and FCRA 623 ( b ) obligating furnishers to investigate disputed accounts. I believe these accounts are being furnished repetitively, inaccurately, and without proper verification, creating a misleading and harmful credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-17 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: FL

Complaint narrative:
I am filing a formal complaint regarding multiple inaccurate, unauthorized, and damaging items appearing on my credit reports, which require immediate removal due to violations of federal consumer protection laws. Upon reviewing my reports across Experian, Equifax, and TransUnion, I discovered that XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  is being reported with a balance owed of {$2600.00} and listed as charged-off, despite no documentation such as a Form 1099-C or any other proof supporting or validating this alleged charge-off, which directly violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], requiring consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. This charged-off reporting is false, misleading, and materially harmful to my creditworthiness. Additionally, I identified collection accounts being reported without proper verification, specifically XXXX XXXXXXXX XXXX XXXX XXXX XXXX on Equifax for {$260.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on TransUnion, which violate FCPA 807 ( 15 U.S.C. 1692e ), FDCPA 809 ( 15 U.S.C. 1692g ), and FCRA 605B ( 15 U.S.C. 1681c-2 ) because the furnisher has failed to validate the accuracy, ownership, or legitimacy of these debts. The continued reporting of these unverified collection accounts is misleading, creates a false representation of my financial reliability, and causes significant emotional distress. Furthermore, I discovered an unauthorized inquiry by XXXX XXXX  dated XX/XX/year> appearing on TransUnion without my knowledge or consent, which violates FCRA 619 ( 15 U.S.C. 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ), as no permissible purpose exists for this inquiry, and I never provided authorization for this access of my personal credit file. The combination of these false, unverified, and unauthorized items including the fraudulent charged-off account, the improperly reported collection accounts, and the unauthorized hard inquiry demonstrates a clear failure by the credit reporting agencies and the furnishers to comply with federal law and to uphold their duty to maintain accurate, verifiable, and lawful information, causing substantial harm to my credit profile, my financial opportunities, and my peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am filing a formal complaint regarding multiple inaccurate, unauthorized, and damaging items appearing on my credit reports, which require immediate removal due to violations of federal consumer protection laws. Upon reviewing my reports across Experian, Equifax, and TransUnion, I discovered that XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  is being reported with a balance owed of {$2600.00} and listed as charged-off, despite no documentation such as a Form 1099-C or any other proof supporting or validating this alleged charge-off, which directly violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], requiring consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. This charged-off reporting is false, misleading, and materially harmful to my creditworthiness. Additionally, I identified collection accounts being reported without proper verification, specifically XXXX XXXXXXXX XXXX XXXX XXXX XXXX on Equifax for {$260.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on TransUnion, which violate FCPA 807 ( 15 U.S.C. 1692e ), FDCPA 809 ( 15 U.S.C. 1692g ), and FCRA 605B ( 15 U.S.C. 1681c-2 ) because the furnisher has failed to validate the accuracy, ownership, or legitimacy of these debts. The continued reporting of these unverified collection accounts is misleading, creates a false representation of my financial reliability, and causes significant emotional distress. Furthermore, I discovered an unauthorized inquiry by XXXX XXXX  dated XX/XX/year> appearing on TransUnion without my knowledge or consent, which violates FCRA 619 ( 15 U.S.C. 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ), as no permissible purpose exists for this inquiry, and I never provided authorization for this access of my personal credit file. The combination of these false, unverified, and unauthorized items including the fraudulent charged-off account, the improperly reported collection accounts, and the unauthorized hard inquiry demonstrates a clear failure by the credit reporting agencies and the furnishers to comply with federal law and to uphold their duty to maintain accurate, verifiable, and lawful information, causing substantial harm to my credit profile, my financial opportunities, and my peace of mind.

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 2025-11-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: QC HOLDINGS INC
State: WI

Complaint narrative:
The collector filed a lawsuit for a debt that was already dismissed on XX/XX/year>. They opened a new case with a different case number but the same debt amount. 

This constitutes : XXXX. An attempt to collect a debt I do not owe. 
XXXX. Harassment and abuse, as they are repeatedly suing me for the same claim. 
XXXX. Improper use of the legal system, violating the Fair Debt Collection Practices Act ( FDCPA ).

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