vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer - XXXX XXXX AND Employer - XXXXXXXX XXXX  Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I am disputing the personal loan account reported by Sun Loan Company ( XX/XX/XXXX ). This letter was sent XXXX XXXX2025 the account is being reported with incomplete and inconsistent data across the bureaus and has not been validated by the furnisher despite prior written Metro-2 dispute notices. 

The company is in violation of : FCRA XXXX ( b ) Failure to report with maximum possible accuracy. 

FCRA XXXX ( b ) Failure to conduct a reasonable reinvestigation when notified by the CRA. 

FCRA XXXX ( a ) ( XXXX ) Failure to delete unverifiable information. 

FDCPA XXXX ( b ) Prohibits continued collection/reporting without validation. 

Sun Loan has not produced any signed agreement, payment history, or balance verification to substantiate the account. Because the information is unverifiable and inconsistent with Metro-2 format standards ( XX/XX/XXXX ), it must be permanently deleted from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DRB-40, LLC
State: FL

Complaint narrative:
On or around XX/XX/year>, DRB , LLC ( a debt collector ) sent a text message about my debt to my brothers phone number. The message included my name, the fact that I allegedly owe a debt, the creditors name ( XXXX XXXX XXXX XXXX XXXX Bank ), and the specific amount owed ( {$4300.00} ). 

I did not authorize DRB , LLC to contact my brother or any third party regarding this alleged debt. 

This communication is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( b ), which prohibits a debt collector from disclosing information about a debt to anyone other than the consumer, their attorney, or other narrowly defined parties. My brother is not XXXX of those parties. 

I have preserved the text message as proof of the violation and am prepared to provide it to the CFPB upon request. 

I am requesting that the CFPB investigate this violation and take appropriate enforcement action. I also request that DRB , LLC cease and desist from any further third-party communication or improper disclosure of my personal financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One is reporting late payments to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
There is an inaccurate account on my consumer report. I've listed in my letter the account that was opened fraudulently. 


FRAUDULENT ACCOUNT XXXX XXXX XXXX # XXXX -- -- Opened : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Case # XXXX Somebody made a fraudulent check out to me. The bank cashed it anyway, even though I didnt have the funds, and the check wasnt verified. They now want me to pay {$7600.00}, but I didnt authorize it or know that the check was fake. The bank cashed it without verifying funds. Now they are threatening collections. This is with Bank of America. My account ending in 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 2025-10-23 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: FL

Complaint narrative:
I am a victim of identity theft and have a police report or FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My Experian shows a different name other than my name. My name is XXXX XXXX ; however, when I recently checked my report, I noticed that there were accounts that were not mine. The worst of it all, the Experian report shows another name, XXXX XXXX, that is not me. 
That is not my name. My Name is XXXX XXXX. My address is as follows : XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX I have attached my driver 's license and Social

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 2025-10-23 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 did not open this account ; it is being reported incorrectly on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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 did not open this account ; it is being reported incorrectly on my credit 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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, Thank you for your assistance. 

This complaint is to follow up with complaint XXXX submitted on XX/XX/2025. Goldman Sachs Apple Card 's unlawful and illegal practices harming consumer has gone further in order to retaliate consumer 's contacting our Consumer Financial Protection Bureau. 

After consumer contacted Consumer Financial Protection Bureau regarding Goldman Sachs Apple Card 's incorrectly rendering {$250.00} dispute on XX/XX/2025, Goldman Sachs Apple Card further did harm and maliciously impersonated consumer, submitted Fraudulent Personal Statement to XXXX Please view attached evidence.

Goldman Sachs further input Fraudulent Fraud Alert in consumer 's XXXX XXXX  reports respectively on XX/XX/2025. - In order to retaliate consumer 's contacting Consumer Financial Protection Bureau. 

And again, the third time, Goldman Sachs manipulated consumer 's XXXX report on XX/XX/2025, caused credit limit dropped from {$50000.00} to {$31.00}. 

Goldman Sachs ' ourageous practice must be sanctioned and fully stopped as its unlawful, illegal, unethical practice is only aiming to harm consumer Only. 

Please view attached evidence. Please assist to conduct comprehensive, and in-depth investigation into Goldman Sachs ' illegaXXXX, unlawful, heinous practice and please assist to implement sanction and ceases Goldman Sachs ' harms to consumers permanently. 

Should there be any more evidence needed, consumer is ready to suffice for full investigation. ( Consumer contacted Goldman Sachs Apple Card on XX/XX/2025, regarding Goldmans Sachs Apple Card did not update credit report on XX/XX/2025, despite balance {$67.00} has been paid off on XX/XX/2025 within XXXX hours of transaction made, and balance was {$0.00} on XX/XX/2025. Consumer spoke with Goldman Sachs Apple Card supervisor name : XXXX. ) Please assist to look into this matter and bring Goldman Sachs Apple Card 's illegal and unlawful practice and harms towards consumer into justice.

Thank you Consumer Financial Protection Bureau for your assistance courteously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: IN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-23 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
They called me and I said this isnt my debt. And they took that as a reason to re age the debt collection. Even tho Ive disputed it many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: IN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-10-24 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: CT

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
My Robinhood brokerage account was accessed by an unauthorized third party, resulting in identity theft and financial fraud.

* * Key Facts & Timeline : XXXX XXXX XXXX XXXX XXXX Unauthorized Activity : * * around XX/XX/year> unauthorized transactions occurred, including the liquidation of assets and transfer of funds out of the account. 
XXXX. * * Robinhood Case IDs XXXX XXXX XXXX  I reported the fraud immediately, and Robinhood opened two cases : XXXX XXXX XXXX XXXX XXXX ( Initial Fraud Review ) and XXXX XXXX XXXX XXXX XXXX ( Account Closure ). 
XXXX XXXX XXXX  Required Documentation XXXX XXXX XXXX  I have fulfilled all of Robinhood 's requirements by filing and submitting a formal XXXX XXXX  Police Report XXXX XXXX and an XXXX XXXX  FTC Identity Theft Affidavit XXXX XXXX XXXX XXXX XXXX  Funds Destination Issue : XXXX XXXX Robinhood has informed me they are closing the account and will attempt to return " eligible funds to the original funding source. '' This destination is a XXXX XXXX XXXX XXXX  account that is no longer associated with me and is not under my control. * * The destination account is compromised/incorrect. 

XXXX XXXX Requested Resolution : XXXX XXXX  I am seeking XXXX XXXX  full restitution * * for the stolen amount of approximately XXXX XXXX {$8900.00}. I demand that the CFPB compel Robinhood to XXXX XXXX  ) Halt any attempt to transfer funds to the incorrect, compromised XXXXXXXX XXXX account. 
b ) Provide a safe, alternative method to return the stolen funds to an account under my current control.

Company response to consumer: Closed with explanation