vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: NC

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 2025-11-20 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: TX

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXXXXXX # XXXX -- -- Opened : XX/XX/year> XXXX  XXXX # XXXX -- -- Opened:XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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.

Complaint narrative:
My credit report has several accounts that contains errors

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 2025-11-20 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.

Complaint narrative:
My credit report has several accounts that contains errors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-11-20 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX  # XXXX XX/XX/XXXX -- {$310.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$18000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
There are 2 products paid via XXXX with XXXX credit card and Apple Pay Total paid {$220000.00} 1. Mobile app development - Paid {$19000.00} : NEVER Received the complete or workable product. No final demo and testing, No source code, No complete or workable mobile app delivered. This project started in XXXX and was never completed and delivered. 

The merchant kept delaying the demo and testing from XXXX to XXXX without a solid timeline of completion. They didnt provide any more demo & testing since XXXX. When I reached them out in XXXX, their president said not ready and perhaps extended to XXXX but without any timeline and evidence of progress. We can not wait for them indefinitely without any solid timeline since XXXX. 

Response against to Merchants invalid evidence : Their submitted evidence was only email communication addressed the credential request for setting up the API accounts which was never completed. The mobile app is not complete and unworkable, so the API setup and landing page are useless because they were tied to the functional mobile app which was failed to deliver. 

Conclusion : XXXX XXXX  has never delivered a final mobile app product. They didnt provide any more demo & testing since XXXX. They have NO EVIDENCE of a complete or workable mobile app delivery. 


2. Digital marketing - Paid {$3000.00} : Product is received but not as described. Poor quality. 
Not satisfactory and missed deadline. XXXX and XXXX tasks, but they missed the deadline until XXXX ( received in XXXX with poor quality ). We requested a partial refund in XXXX but merchant rejected. 

Response against to Merchants invalid evidence : XXXX XXXX only submitted the evidence emails for marketing task which was delivered in XXXX but missed the deadline and poor quality. This {$3000.00} was covered XXXX and XXXX tasks but they delayed until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am submitting to request a reinvestigation of XXXX accounts on my TransUnion, Equifax and Experian credit file because the information currently reported does not fully reflect my actual payment history. I am not disputing the existence of these accounts, but I have identified inconsistencies in reported late payments and dates that I would like verified and corrected so that my credit file accurately reflects the true status of these accounts, including paid-as agreed or positive/current status, in accordance with the Fair Credit Reporting Act ( FCRA ) 602, 607, and 611. And also I am disputing the inaccurate address reported in my credit file in violation of FCRA 611. 

XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8300.00} XXXX XXXXXXXX XXXX XXXX Balance Owed : {$29000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Oquirrh Mountain Law Group, P.C.
State: OK

Complaint narrative:
I requested credit repair services and then was not happy with the service. When I attempted to cancel my service they told me that it was cancelled and have continued to attempt to bill me and has been successful numerous times. I

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/XXXX. XXXX I man came up to my apartment door, I do not know how he got in because we have a security system. He came and repeatedly knocked on my door, I asked him to identify himself and he wouldnt, so i asked him to leave repeatedly and he said no and stood by my door. I called the police, and they made him leave. This was a terrifying situation. I told the company about this and nothing was done.

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 2025-11-20 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: AR

Complaint narrative:
This account was paid off completely, yet it still shows late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/year>. I went to a XXXX where I purchased {$30.00} of gas. Someone stole my credit card information using a skimming device and continued to pump {$170.00} of gas under my card. It is physically impossible for my car to fit anywhere near {$170.00} of gas. I filled a fraud complaint with Chase. Chase closed the fraud investigation incorrectly. I received {$30.00} of gas but was charged {$170.00} due to a scam at a XXXX station where scammers continue pumping after customers leave. Chase incorrectly ruled that I received benefit, which is impossible. My vehicle can not physically hold that much gas. Chase closed the case despite evidence, XXXX  complaints, and public reports of identical scams at the same location. I did not receive a receipt because there were threatening people at this location trying to forcefully pump gas and I wanted to leave as fast as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-20 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: SC

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Disputing late payments that appear on my credit report. I always made on time payments and I want to validate the process by which the reports were made

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 2025-11-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: MD

Complaint narrative:
I woke up tried to receive money and it gave a error message I tried to send it gave a error message it said my account was closed only thing they told me was I violated one of the guideline I dont know what guidelines I violated ir nothing I been trying to communicate still no one got in contact

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: OH

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-20 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: CA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
As I recently reviewed my credit report, I noticed several items that do not accurately reflect my financial history. Each inaccuracy has caused me stress, confusion, and concern, and I am sharing the full story of what I discovered, why these errors matter, and why they must be investigated and corrected under the Fair Credit Reporting Act ( FCRA ), including Sections 602A, 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 605 ( c ). 
XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened:XXXXDate of Last Activity : XX/XX/XXXX late 30 days XXXX XXXX not reported in XXXX and TU XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date Opened:XXXX Date of Last Activity : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXXnot reported in XXXX and TU XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXXnot reported in TU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXXnot reported in XXXX and TU XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXXDate OpenedXXXX Date of Last ActivityXXXX late 60 days XX/XX/XXXX, late 90 days XX/XX/XXXX, late 120 days XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX XXXX XXXX-not reported in XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX I request that investigate each inquiry, confirm. authorization, and remove any inquiry that can not be verified under FCRA 604 ( a ) ( 3 ). Written confirmation of their removal is requested. The combined effect of these inaccuracies has caused ongoing stress, confusion, and challenges in managing my financial life. I rely on my credit report to accurately reflect my financial behavior, and errors like these misrepresent my obligations, making it harder to obtain loans, rent housing, or access other financial services. Under the FCRA, I have the right to dispute any item that is inaccurate, incomplete, or unverifiable, and credit bureaus must investigate and correct these items within 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
As I recently reviewed my credit report, I noticed several items that do not accurately reflect my financial history. Each inaccuracy has caused me stress, confusion, and concern, and I am sharing the full story of what I discovered, why these errors matter, and why they must be investigated and corrected under the Fair Credit Reporting Act ( FCRA ), including Sections 602A, 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ), and 605 ( c ). 
XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened:XXXXDate of Last Activity : XX/XX/XXXX late 30 days XXXX XXXX not reported in XXXX and TU XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} Date Opened:XXXX Date of Last Activity : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXXnot reported in XXXX and TU XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXXnot reported in TU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXXnot reported in XXXX and TU XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : $ XXXXDate OpenedXXXX Date of Last ActivityXXXX late 60 days XX/XX/XXXX, late 90 days XX/XX/XXXX, late 120 days XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX XXXX XXXX-not reported in XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX  Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$250.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX I request that investigate each inquiry, confirm. authorization, and remove any inquiry that can not be verified under FCRA 604 ( a ) ( 3 ). Written confirmation of their removal is requested. The combined effect of these inaccuracies has caused ongoing stress, confusion, and challenges in managing my financial life. I rely on my credit report to accurately reflect my financial behavior, and errors like these misrepresent my obligations, making it harder to obtain loans, rent housing, or access other financial services. Under the FCRA, I have the right to dispute any item that is inaccurate, incomplete, or unverifiable, and credit bureaus must investigate and correct these items within 30 days.

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