vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
According to TransUnion I was delinquent on the credit cards XXXX XXXX, XXXX. Also XXXX XXXX was also listed as delinquent. To my knowledge I have never had any of these cards! The date was XX/XX/year>. I have not way of contacting them because I never had these accounts!

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 2025-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report contains late payment entries that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must only include information that is accurate, complete, and verifiable. I am requesting verification of these late p

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: MD

Complaint narrative:
I have disputed the amount owed several times from my credit report from M and XXXX XXXX. It stated the balance as {$4500.00}. I own about {$2000.00}. 

They also have this listed as a charge off when there is an active court order payment agreement between me and them. 


The account information is not correct due to the balance and status of the account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: MD

Complaint narrative:
I have disputed the amount owed several times from my credit report from XXXX XXXX  XXXX XXXX. It stated the balance as {$4500.00}. I own about {$2000.00}. 

They also have this listed as a charge off when there is an active court order payment agreement between me and them. 


The account information is not correct due to the balance and status of the account!

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 2025-08-14 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: MD

Complaint narrative:
I have disputed the amount owed several times from my credit report from XXXX XXXX XXXX XXXX. It stated the balance as {$4500.00}. I own about {$2000.00}. 

They also have this listed as a charge off when there is an active court order payment agreement between me and them. 


The account information is not correct due to the balance and status of the account!

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 2025-08-14 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: TN

Complaint narrative:
I am filing this complaint against Experian for failing to correct inaccurate information on my credit report regarding my XXXX XXXX account ( Account # XXXX, opened XX/XX/XXXX ), in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 
On XX/XX/XXXX, I mailed a formal dispute letter to Equifax regarding an erroneous late payment reported for XX/XX/XXXX on this account. My letter cited FCRA 1681i ( a ), which requires a reasonable reinvestigation of disputed information, and 1666b, which prohibits late payment reporting if proper billing and notice were not provided.I requested removal of the derogatory late payment mark and an update to reflect positive payment history. Despite this, my most recent Experian credit report still shows the inaccurate 30 days late notation for XX/XX/XXXX, which is inconsistent with my payment records showing the account was paid on time and in good standing. 
Under FCRA 1681i ( a ), Experian is required to conduct a reasonable reinvestigation of disputed information and delete or correct any inaccurate, incomplete, or unverifiable data within XXXX  days. Experians continued reporting of this unverified late payment violates my rights under the FCRA and is harming my creditworthiness.

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 2025-08-14 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:
To who may it concern, I have recently discovered that I am a direct victim of the Equifax and XXXX data breaches. Upon reviewing my credit report with my attorney, I found several unauthorized accounts. I would like to resolve this issue before pursuing ligation. Please Block and remove these accounts immediately according to FCRA 605B

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 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase all of a sudden are disrupting external transfer linked to my account to cover overdraft fee for monthly maintenance this is being done diligently so in time they can charge me a overdraft fee I NEVER HAD THIS PROBLEM due to the fact they in the past have broken every rule and promise I immediately take all direct deposits that go into this account and transfer to my Shwab account also the last time I did that they immediately took it out then delay the process for XXXX days why my money sat I guess in a cloud THIS IS NOT LAWFUL AND BREAKING THE RULES AND TIME FRAMES money is supposed to electronically schedule the next buisness of the US TREASURY

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: NY

Complaint narrative:
I am submitting this formal complaint against Transunion for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The accounts in questionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were opened fraudulently and are the result of identity theft. I provided Transunion with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Transunion failed to block the fraudulent information within XXXX business days, as required by law. 
Furthermore, Transunion has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the XXXX statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Transunion has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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 2025-08-14 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: Mercury Financial Intermediate LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting an alleged credit card account ending in XXXX as Sold to XXXX without providing lawful validation. I have never had an account with XXXX and never authorized XXXX to sell or share my personal information with them. 

Between XX/XX/year> and XX/XX/year>, I disputed this account four times with XXXX under the Fair Credit Reporting Act ( FCRA ). Each time, XXXX verified it within days but failed to provide : Original signed agreement with XXXX XXXX Complete payment history/ledger Chain of assignments showing any sale or transfer of the account Proof of permissible purpose to obtain or use my credit report On XX/XX/year> and XX/XX/year>, XXXX changed the Date Last Reported and Scheduled Payment fields in a way that re-aged the account and kept it derogatory. This violates Metro 2 reporting standards and appears to be a willful misrepresentation under the FCRA. This conduct violates FCRA 1681i ( a ) ( 1 ) ( A ), 1681e ( b ), 1681s-2 ( a ), the
FDCPA 1692g ( b ), and Texas privacy and consumer protection laws. I want the account deleted from all credit bureaus if they can not produce full, lawful validation. See attached evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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:
My XXXX XXXX account was transferred to XXXX XXXX, and soon after, my account was locked without any prior notice. I was completely unable to access it to view my balance or make a payment. I repeatedly called customer service, but on many occasions, no one answered. When my calls did go through, I did not receive any meaningful helprepresentatives either transferred me without resolution or ended the call without addressing my issue. I explained clearly that my payment was due and even offered my payment details over the phone, but no payment was processed. 
I have never missed a payment on this account before, and in this case, the payment amount was only around {$20.00}. Despite my efforts to pay, the locked account and the companys lack of assistance resulted in a XXXX-day late payment being reported to the credit bureaus, which was entirely outside my control. This unfairly damaged my credit history for a very small balance I was ready and willing to pay.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Jim Bottin Enterprises, Inc
State: NV

Complaint narrative:
I am an XXXX XXXX servicemember. Under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3955, I have the right to terminate a gym membership without penalty when deployment orders materially affect my ability to use the facility. 

My deployment orders are dated XX/XX/year> Despite providing these orders to XXXX XXXX and their billing company XXXX XXXX XXXX, they continue to demand payment of approximately {$200.00} for periods after my deployment date. 

The companies are treating this as a standard cancellation under their internal policy, requiring 30 days notice and payment of charges accrued since XXXX. This ignores the effective date rules in SCRA, which state the contract is terminated as of the date of the military orders. 

XXXX XXXX XXXX XXXX XXXX XXXX are refusing to zero out my balance and have threatened to send this to collections. This is a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: UPGRADE, INC.
State: PA

Complaint narrative:
For the XXXX days, I have tried to perform a task as simple as updating my cell phone number with the bank but to no avail. The bank has failed to accept verification documentation ( including XXXX passport ) that they have asked for and come back ( each time ) with unnecessary objections such as 'there is a glare on the XXXX XXXX picture ' or that your arm should be visible in the selfie ( all of this to update a measly cell phone number ). XXXX, how hard it must be to conduct other business with the bank. 

This has seriously wasted my time, prevented me from accessing my funds that I need to pay down a credit card debt. The entire banking system in the XXXX ( from the XXXX to the XXXX ) is broken and is taken over ( at least partially ) by XXXX. Sadly, no one is doing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I submit this complaint ID XXXX and according to the bank they closed my account for fraudulent activity. Until now they cant tell me what type of activity they consider fraud. 
They decide to close my account and I havent received any money on that account. 
Almost XXXX they are holding no explanation given. 

Please HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-08-14 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: TX

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
I am filing this formal complaint against Experian for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with my identity theft disputes. Despite my submission of a complete FTC Identity Theft Report and all supporting documentation, Experian has failed to remove or block fraudulent accounts from my credit file as required by law. The accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which the banks confirmed would be deleted but remains on my report. All of these accounts are the result of identity theft and should have been blocked pursuant to 1681c-2 of the FCRA. Experians refusal to take corrective action constitutes violations of 1681i ( a ) ( 1 ) for failing to conduct a reasonable reinvestigation and 1681i ( a ) ( 5 ) for re-inserting accounts without proper notice. These failures have caused me emotional distress, financial harm, and wasted time. For further evidence, I am attaching my XX/XX/year> letter detailing my dispute and legal demand for deletion, which serves as formal notice in support of this complaint.

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 2025-08-14 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: AZ

Complaint narrative:
I am writing to dispute the accuracy of information on my credit file, which includes potentially fraudulent accounts resulting from the XXXX  data breach Engagment # XXXX. Under section 605b of the Fair Credit Reporting Act ( FCRA ), I am requesting that these inaccuracies be investigated and corrected. I have attached all supporting documentation including a FTC REPORT XXXX. 

The fraudulent accounts listed on my credit report are a direct result of the XXXX  data breach, and they violate the FCRA 's provisions regarding the accuracy of information reported by furnishers. Specifically, these accounts contravene the requirements set forth in 15 U.S.C. 1681eb, which mandates that furnishers of information to consumer reporting agencies must ensure the accuracy of the information they provide.

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 2025-08-14 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:
Between XXXX and XX/XX/year>, over {$4200.00} in unauthorized transactions with XXXX  were posted to my Apple Card account. I immediately disputed these charges with Goldman Sachs on XX/XX/XXXX and XX/XX/year>. The bank applied temporary credits but later reversed them, claiming the merchant provided sufficient evidence that I made the purchases, even though I never received the services and no suspicious account takeover activity was detected. 

Goldman Sachs closed my Apple Card account on XX/XX/year>, while disputes were still pending. I repeatedly requested the merchant evidence the bank claims to have, but never received it. In their latest response ( XX/XX/year> ), the banks letter contains factual errors and vague statements, raising concerns about the accuracy and completeness of their investigation. 

I am providing documented proof showing : Factual errors in the banks official response. 
Evidence of requests for merchant documentation that were ignored. 
The account closure occurred before dispute resolution. 
Statements showing all disputed transactions and amounts. 

I am requesting CFPBs review under the Fair Credit Billing Act ( FCBA ) and Regulation Z to require Goldman Sachs to permanently reverse these unauthorized charges and remove all related interest and fees.

Company response to consumer: Closed with explanation