vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year> I placed a small order with XXXX thru their app, to be delivered to my home that day. The order was delivered within XXXX hours. Instead of charging me the {$36.00} plus {$4.00} tip, they put a XXXX day hold on my bank account for {$210.00} - XXXX times the amount of my purchase. This hold prevented me from paying bills in a timely manner. I spoke with a XXXX representative ( XXXX ) who connected me to a supervisor ( XXXX ) after a XXXX hour wait. Basically telling me it was out of their hands, even though they initiated the XXXX times over the purchase. I contacted Bank of America to release the hold so I could pay other bills, but they said they had to wait ( up to XXXX days ) for XXXX to complete the process. I feel helpless and robbed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally request the removal of all negative items currently listed on my credit report. My request is based on the recent and well-documented TransUnion data breaches, which have compromised consumer data security, accuracy, and integrity. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The breach and ongoing data security concerns cast doubt on the integrity of the negative items being reported and whether they meet the standard of accuracy and proper verification as required by federal law. 

Due to the breach and the associated risks of inaccurate reporting, I am demanding the immediate investigation and deletion of all negative items associated with my name and file. 


Please consider this a formal dispute and request for reinvestigation under FCRA guidelines. If you can not verify these negative items with absolute accuracy and legitimacy, they must be removed from my file. 

I expect a response within the legally mandated timeframe of 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: AL

Complaint narrative:
To Whom It May Concern, I am writing to formally request the removal of all negative items currently listed on my credit report. My request is based on the recent and well-documented TransUnion data breaches, which have compromised consumer data security, accuracy, and integrity. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The breach and ongoing data security concerns cast doubt on the integrity of the negative items being reported and whether they meet the standard of accuracy and proper verification as required by federal law. 

Due to the breach and the associated risks of inaccurate reporting, I am demanding the immediate investigation and deletion of all negative items associated with my name and file. 


Please consider this a formal dispute and request for reinvestigation under FCRA guidelines. If you can not verify these negative items with absolute accuracy and legitimacy, they must be removed from my file. 

I expect a response within the legally mandated timeframe of 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 explanation
Consumer complaint received 2025-10-15 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: NJ

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year>XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX Type of disputed information : unsecured loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 






Thank you for your assistance Sincerely, 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 2025-10-15 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear Consumer Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute XXXX Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX  XXXX Type of disputed information : Credit Card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 


Dispute XXXX Account Number : XXXX Account Name : XXXX Type of disputed information : unsecured loan Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : XXXX the victim of identity theft and I dont recognize XXXX or more of the accounts on my report. I have included a copy of the identity theft affidavit from the Federal Trade Commission. 






Thank you for your assistance Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: SC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To : Goldman Sachs Bank USA Apple Card XXXX XXXX Credit Bureau Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Goodwill Removal of Late Payment and Reinstatement of Account Account Number : XXXX Dear Goldman Sachs Bank USA XXXX Department, I hope this message finds you well. I am writing as a long-standing and loyal Apple Card XXXX XXXX respectfully request a goodwill adjustment and account reinstatement for my Apple Card account referenced above. 

My account was closed in connection with a Chapter XXXX bankruptcy filing on XX/XX/XXXX, which was later dismissed on XX/XX/XXXX, and never XXXX. During that process, a single XXXX late payment was reported in XX/XX/XXXX, which I deeply regret. Outside of that isolated instance, I have maintained an excellent payment record and have always handled my account with integrity and consistency. 

Ive been a responsible customer who truly values the relationship Ive built with Goldman Sachs Bank USA. I understand that reporting standards must remain accurate, yet I also believe in the principles of goodwill and fairness for customers who have demonstrated long-term reliability. 

In light of my overall positive history and the fact that my bankruptcy case was dismissed, I kindly request : The removal or suppression of the XXXX late payment reported in XX/XX/XXXX as a goodwill adjustment. 
The reinstatement of my Apple Card account, as I have always been in good standing before and after this isolated event. 
This adjustment would allow me to continue my strong relationship with Goldman Sachs and Apple Card while reflecting an accurate and fair portrayal of my credit behavior. 
Thank you sincerely for your time, understanding, and consideration of this request. I greatly appreciate the opportunity to rebuild and maintain my credit with your institution. 

Warm regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: MD

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX * * * * * * * * XXXX FRAUDULENT INQUIRIES : 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 2025-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am writing to formally dispute an incorrect default status that appears on my federal student aid record. This error is preventing me from receiving the federal financial aid Ive been approved for through XXXX XXXX XXXX XXXX ( XXXX ). 

According to my FAFSA and StudentAid.gov record, I am listed as being in default on a prior student loan. This is not accurate. My loan servicer has confirmed that my account is in good standing and that no loans are currently in default. Despite XXXX separate attempts to correct this issue through standard support channels, the default flag remains active on my record. 

Summary of Actions Taken I have contacted both Federal Student Aid and my loan servicer multiple times. Each time, I was told that my account is not in default, but the system has not been updated to reflect that. 


Supporting Documentation I have attached : Correspondence from my loan servicer confirming my loans are not in default Payment statements or payoff confirmations Screenshots from StudentAid.gov and/or NSLDS showing the error Copies of prior communications with FSA and my loan servicer Requested Action Please review and correct my record to remove the incorrect default status. I also request : Written confirmation once the correction is complete. 

Notification to XXXX XXXX XXXX XXXX so my aid can be disbursed. 

Contact Information Full Name : XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/year> Last XXXX Digits of XXXX : XXXX XXXX XXXX Email : XXXX Phone : XXXX Mailing Address : XXXX XXXX XXXX, XXXX XXXX, IN XXXX School : XXXX XXXX XXXX XXXXXXXX ( XXXX ) This issue is now delaying my ability to continue my studies, despite being in good financial standing. I appreciate your prompt attention and confirmation of receipt of this dispute. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: TX

Complaint narrative:
I am submitting this complaint because Experian Information Services has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681c ) by failing to properly reinvestigate and resolve my dispute within the mandatory XXXX period required by federal law. It has now exceeded that timeframe without providing any legitimate verification, supporting documentation, or lawful certification of accuracy from the furnisher. 

The account I disputed remains falsely and unlawfully reported as follows : XXXX XXXX Account No. : XXXX Status : Charged-Off / Closed Reported Balance : {$1200.00} Credit Limit XXXX {$1100.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX This account does not belong to me and has never been verified through original documentation or legally sufficient evidence. Despite my written dispute, Experian continues to report this account as valid, with no substantiation whatsoever. 

By failing to complete a lawful reinvestigation, and by continuing to report unverifiable and inaccurate information, Experian has willfully violated FCRA 1681i ( a ) and FCRA 1681e ( b ), which require credit reporting agencies to maintain maximum possible accuracy and delete any unverifiable data within the statutory XXXX period. 

XXXX failure to act demonstrates gross negligence, reckless disregard for consumer rights, and systemic noncompliance with federal credit law. The bureau has failed to provide even the most basic verification of the alleged account, thereby damaging my creditworthiness and violating my rights under the 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 2025-10-15 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : 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 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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
It has come to my attention that that my personal information has been exposed in a national data breach. After reviewing my credit report. I have noticed some accounts I am not familiar with. I have asked Equifax for a validation of debit ; however, the information has not been provided. 

Please find attached a copy of my ID, social security number, debt validation letter, affidavit, proof of report showing my information has been exposed in a national data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: NJ

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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