vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: NC

Complaint narrative:
XX/XX/year> Amount : USD XXXX I booked an hotel through XXXX to stay at XXXX XXXXXXXX XXXX. On our arrival room provided the bathroom was not in good condition. We requested for a change of room. 

The receptionist told us because its a weekend that they were fully booked and do not have any other room. 
The XXXX of the hotel offered to refund us through the same payment method that was used. So we went ahead to book another hotel through the same XXXX and reported the incident to our credit card company for follow up. 

Unfortunately this dispute has been going on for years and my credit card company is not working in my favor since the service was not provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-03 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: TX

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for 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 non-monetary relief
Consumer complaint received 2025-05-03 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

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 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions 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 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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: MO

Complaint narrative:
Company : XXXX XXXX XXXX XXXX : Credit Card Issue : Charged-off account with no verification of insurance or tax recovery This complaint concerns another charge-off by XXXX XXXX for the amount of {$42000.00}. I have requested that XXXX and the credit bureaus provide documentation verifying that this debt has not already been settled via credit insurance or tax write-offs. 

XXXX has not responded with documentation showing whether they received any insurance payout or claimed a tax deduction for the loss. Without this transparency, the continued reporting of this account is misleading and potentially fraudulent. 

I ask the CFPB to compel XXXX to verify whether they were compensated and to remove the charge-off from my credit profile if they can not provide that verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Company : XXXX XXXX XXXX Product : Credit Card Issue : Charged-off account with no verification of insurance or tax recovery This complaint concerns another charge-off by XXXX XXXX for the amount of {$42000.00}. I have requested that XXXX and the credit bureaus provide documentation verifying that this debt has not already been settled via credit insurance or tax write-offs. 

XXXX has not responded with documentation showing whether they received any insurance payout or claimed a tax deduction for the loss. Without this transparency, the continued reporting of this account is misleading and potentially fraudulent. 

I ask the CFPB to compel XXXX to verify whether they were compensated and to remove the charge-off from my credit profile if they can not provide that 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 2025-05-02 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am respectfully asking for the XXXX XXXX XXXX XXXX assistance in compelling Equifax to permanently delete an accounts that was unlawfully reinserted into my credit file without my knowledge, consent, or authorization. The accountsXXXX  and XXXX XXXX, Account Number Ending * XXXX and * XXXX respectivelyhad previously been deleted following a valid dispute but has since been reinserted in direct violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i ( a ) and 1681i ( 5 ) ( B ) ( ii )- ( iii ). I received NO notice of this reinsertion within the five business days required by law, and Equifax failed to provide any certification of accuracy from the furnisher. This violates the statute and my consumer rights. Furthermore, I NEVER gave Equifax or any third party permissible purpose to access or report these accounts in the first place, in violation of 15 U.S.C. 1681b. Additionally, Equifax is in violation of 15 U.S.C. 1681e ( b ), as the information they are reporting does NOT MATCH the information reported by TransUnion, and Experian is NOT reporting these accounts highlighting serious inconsistencies and a lack of maximum possible accuracy. These failures show willful noncompliance and ongoing negligence under 15 USC 1681n and 1681o. I am asking the CFPB to take action to ensure Equifax permanently deletes these reinserted accounts, provides documentation explaining their actions, and complies with all applicable federal requirements. I am doing my part as a consumer and now urgently need your help to hold Equifax accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: IL

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I noticed a few accounts that has been open on my credit report without my permission or consent. 

XXXX XX/XX/XXXX {$680.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$200.00} XXXX XXXX  XX/XX/XXXX {$580.00} XXXX XXXX XX/XX/XXXX {$4900.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$4900.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00}

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 2025-05-03 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: CT

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2025-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX Equifax XXXX. XXXX XXXXXXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Accounts - Identity Theft Victim Dear Credit Reporting Agency, I am writing to formally dispute several fraudulent accounts listed on my credit report. I am a victim of identity theft, and I did not authorize or make any charges associated with these accounts. The accounts I am disputing are 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 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  I kindly request that you investigate these accounts and remove them from my credit report, along with any associated charges or debts. I have taken steps to report this theft to the authorities and have included a copy of my identity theft report for your records. Please confirm the removal of these fraudulent accounts and provide me with an updated copy of my credit report once the investigation is complete. Thank you for your prompt attention to this matter. If you need any further information or documentation, please do not hesitate to contact me at the information provided above. Attachments will be provided Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have made repeated and good-faith attempts to obtain my credit reports through XXXX, and all three credit bureausEquifax, Experian, and TransUnionhave returned nothing but error messages. I then attempted to order my reports directly from each bureau, both online and by phone, and was still unable to access any of them. 

This is outrageous and completely unacceptable. How is it possible that in 2025, not a single method of communicationonline, phone, or mailcan deliver access to something so fundamental as my own credit report? This is beyond frustrating ; it is beyond comprehension. 

Consumers are told to monitor their credit, yet every system in place to do so appears broken. This situation demands investigation and immediate corrective action. Americans can not be expected to bear the consequences of errors on their reports if they are systemically blocked from even viewing them.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have made repeated and good-faith attempts to obtain my credit reports through XXXX, and all three credit bureausEquifax, Experian, and TransUnionhave returned nothing but error messages. I then attempted to order my reports directly from each bureau, both online and by phone, and was still unable to access any of them. 

This is outrageous and completely unacceptable. How is it possible that in 2025, not a single method of communicationonline, phone, or mailcan deliver access to something so fundamental as my own credit report? This is beyond frustrating ; it is beyond comprehension. 

Consumers are told to monitor their credit, yet every system in place to do so appears broken. This situation demands investigation and immediate corrective action. Americans can not be expected to bear the consequences of errors on their reports if they are systemically blocked from even viewing them.

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 2025-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I started a title transfer for my car but decided to pay loan off. XXXX was paid off XX/XX/year>. Title was sent to DMV in Florida. DMV called to say there is a lien on my car to which I said it is paid in full. They contacted Hyundai Motor Finance and was told it was paid off and they will send me a lien release. I called and was told I would get a lien release. I requested it be sent XXXX. I called the next day after not receiving it and was told the lien release was signed and send XXXX and he gave me the number. I was driving and could not write it down. I called tonight, XX/XX/year>, and was told they could not send me the lien release because they need the title back in order to release the lien and then send to me. Every time I call I received a different answer for a week. My car is paid in full and they still have a lien on it and refuse to release the lien. It is smarter to release the lien and send me the paper so I can take to DMV as that is what DMV is waiting on. Every person I spoke to gave a different response. No one can answer why a lien is still on a car that is paid in full.

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 2025-05-02 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: MD

Complaint narrative:
Disputed Experian Credit Report for XXXX XXXX XXXX credit card account. Experian refused to remove the account. XXXX XXXX XXXX went out of business XX/XX/XXXX and stop consumers from using their credit card in XX/XX/XXXX. The date of my last activity was XXXX. I was never late. It has been more than 7 years, and I want this account removed from my credit report.

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 2025-05-03 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: Early Warning Services, LLC
State: WA

Complaint narrative:
After previously giving me a blank credit report ( previous complaint ), I reluctantly gave them the additional personally identifiable information they wanted to " ensure the completeness '' of my report, and this time I got a report that consists of XXXX records associated with a bank account that I had for less than XXXX years and closed over a decade ago. Out of my decades of financial history that includes numerous bank accounts, credit cards, brokerage accounts, and a home mortgage, they're passing off this pair of records from XXXX bank as my credit history, and presumably charging banks/lenders/etc. money for it, which strikes me as incredibly dishonest and frankly fraudulent. They're defrauding the banks and harming me in the process, and there's seemingly nothing I can do about it, because the corrective action process is to submit corrections on a record-by-record basis. What am I supposed to do about the fact that they're missing 95 % of my credit history? Get my report from another more upstanding reporting agency and spoon feed it to this criminal enterprise, XXXX record at a time via the complaint form, basically doing their job for them? Or am I expected to take them to court, basically doing the CFPB 's job instead?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

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 2025-05-03 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: FL

Complaint narrative:
Subject : Request for XXXX XXXX XXXX - Compliance with XXXX XXXX Code XXXX XXXX Other FCRA Provisions I am writing XXXX you as the holder of account number [ Account Number ] for my [ credit card, auto loan, XXXX/or mortgage ] XXXX report an issue negatively impacting my credit report. This issue appears XXXX be in violation of the provisions of XXXX XXXX Code XXXX XXXX other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According XXXX XXXX XXXX XXXX XXXX, creditors must send periodic statements, including all information required by section XXXX ( b ), at least XXXX days before the payment due date. This requirement ensures that consumers have sufficient time XXXX receive, review, XXXX make necessary payments without being unfairly penalized for late payments. 

Additionally, the FCRA, specifically sections XXXX XXXX Code XXXX XXXX XXXX XXXX Code XXXX, mandates that credit reporting agencies XXXX information furnishers correct any inaccurate or incomplete information in credit reports XXXX ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my [ credit card, auto loan, XXXX/or mortgage ] have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my XXXX XXXX. 
Furthermore, I would like to refer XXXX the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements XXXX avoid unfair penalties XXXX consumers. 
I formally request that you investigate XXXX correct any inaccurate information related XXXX these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ Company - date ] XX/XX/year> I would appreciate your prompt attention XXXX  this matter XXXX  rectify any errors in my credit report. I am willing XXXX provide any additional documentation necessary for your investigation. 
I look forward XXXX receiving written confirmation of the actions taken XXXX correct this information XXXX ensure compliance with the relevant regulations. 
Thank you for your attention XXXX this important 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 non-monetary relief