vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I am formally disputing the accuracy of late payment entries currently appearing on my credit report. After conducting a thorough review of my payment history and records, I identified discrepancies that prompted me to request validation from the reporting creditors over 30 days ago. Despite the passage of sufficient time for response under federal guidelines, these creditors have failed to provide adequate documentation or satisfactory validation of the disputed late payments. This lack of response raises significant concerns about the accuracy and legitimacy of the information being reported to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXXXXXX XXXX XXXX XXXX  Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business 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 2025-09-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: OR

Complaint narrative:
I provided Goldman Sachs evidence of the merchant failing to provide the goods and services promised through purchases and violating their terms of service to customers, as well as providing proof of my attempt to contact the merchant for resolution, but being ignored through emails and calls. The merchant is unreachable and has discontinued service. Goldman Sachs has to protect me as a consumer even though I provided well documented evidence. Below are the following transactions and dispute numbers with Goldman Sachs for my Apple XXXX XXXX 

Dispute case number : XXXX Transaction date : XX/XX/scrub>XXXX XXXX XXXX  Merchant name : XXXX Disputed amount : {$490.00} Dispute case number : XXXX Transaction date : XX/XX/year>XXXX  Merchant name : dingdingding.com Disputed amount : {$490.00} Dispute case number : XXXX Transaction date : XX/XX/year>XXXX  Merchant name : dingdingding.com Disputed amount : {$890.00} Dispute case number : XXXX Transaction date : XX/XX/year>XXXX  Merchant name XXXX XXXX Disputed amount : {$490.00} Dispute case number : XXXX Transaction date : XX/XX/year> Merchant name : XXXX Disputed amount : {$490.00} Dispute case number : XXXX Transaction date : XX/XX/year> Merchant name : XXXX Disputed amount : {$490.00} Dispute case number : XXXX Transaction date : XX/XX/year> Merchant name : XXXX Disputed amount : {$490.00} Dispute case number : XXXX Transaction date : XX/XX/year> Merchant name : XXXX Disputed amount : {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
Multiple attempts to resolve the presence of fraudulent and inaccurate information on my consumer credit report have been unsuccessful, leaving these disputed items unaddressed despite my persistent efforts. As a documented victim of identity theft, I never provided authorization or consent for this information to be associated with my personal credit profile. The continued reporting of these unauthorized entries has created substantial personal hardship and ongoing financial complications that extend beyond mere credit score impacts. The failure to properly investigate and remove these clearly fraudulent items demonstrates a disregard for established consumer protection protocols and my rights as an identity theft victim.

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 2025-09-03 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: CA

Complaint narrative:
Multiple attempts to resolve the presence of fraudulent and inaccurate information on my consumer credit report have been unsuccessful, leaving these disputed items unaddressed despite my persistent efforts. As a documented victim of identity theft, I never provided authorization or consent for this information to be associated with my personal credit profile. The continued reporting of these unauthorized entries has created substantial personal hardship and ongoing financial complications that extend beyond mere credit score impacts. The failure to properly investigate and remove these clearly fraudulent items demonstrates a disregard for established consumer protection protocols and my rights as an identity theft victim.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this follow-up complaint to dispute the continued reporting of inaccurate account information, collection accounts, and personal address records across my Experian, Equifax, and TransUnion credit files. These items are either not associated with me, are linked to addresses where I have never resided, or reflect inconsistencies in the way they are being reported among the three credit bureaus. Such reporting fails to meet the standards of accuracy, completeness, and verifiability required under the Fair Credit Reporting Act ( FCRA ). I am therefore requesting that these inaccuracies be corrected or deleted immediately. 

On my reports, XXXX XXXX ( account ending XXXX, balance {$0.00} ) is connected to the address XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, which I have never resided at. This account does not belong to me. Similarly, XXXX XXXX ( account ending XXXX, balance {$1900.00} ) and XXXX XXXX ( account ending XXXX, balance {$370.00} ) were previously corrected by other bureaus but remain on Experian in error. Collections are also being misreported, including XXXX XXXX XXXX ( original creditor XXXX XXXXXXXX XXXX, account ending XXXX, balance {$5000.00} ) and XXXX XXXX ( account ending XXXX, balance {$0.00} ). These items are inaccurate and not connected to me. In addition, inaccurate addresses are still being reported on my files, including XXXX XXXX XXXX, XXXX, NC XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I have never lived at these addresses, and they must be permanently deleted. Under the Fair Credit Reporting Act, FCRA 611 ( a ) ( 1 ) ( A ) requires the credit bureaus to investigate disputed items and remove or correct any that are inaccurate or unverifiable. FCRA 607 ( b ) further requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below 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 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Payward Ventures Inc. dba Kraken
State: TX

Complaint narrative:
On XXXX XXXX XXXXXX/XX/year> I deposited XXXXXXXX XXXX XXXXokens worth about XXXX USD into my Kraken account using the deposit address Kraken provided XXXX on the XXXX  network. The transaction hash is XXXX. XXXX marked the deposit as Failed because it was below their published minimum deposit requirement of XXXXXXXX XXXX 

I contacted Kraken support by live chat to request clarification. Kraken support repeatedly told me that the funds did not arrive to Kraken and were permanently lost. However, blockchain records show that the tokens were successfully transferred to the deposit address Kraken provided. As of this complaint the tokens remain visible at that Kraken controlled deposit address XXXX This creates a serious concern : 1. Kraken customer service misrepresented the status of the funds by claiming they did not arrive when in fact the blockchain confirms they did. 2. Kraken retains control over the deposit address and therefore the funds. If Kraken chooses not to credit deposits below their minimum threshold that is a business policy but it is misleading to tell consumers that the funds never arrived.

3. Consumers are not given clear disclosure that deposits under the minimum will be taken in by Kraken but not credited or returned. This practice may constitute unfair or deceptive acts under consumer protection law. 

I request that the CFPB review this matter to determine whether Krakens handling of failed deposits complies with applicable consumer protection standards for money transfer and virtual currency services. At a minimum Kraken should be required to accurately disclose that they receive these funds and explain what happens to them instead of telling customers that the money did not arrive.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am submitting a formal complaint concerning a series of hard inquiries that appear on my credit report without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ), credit reporting agencies may only allow access to my credit report when I have given explicit written permission. Upon careful review of my three-bureau credit report, I discovered the following hard inquiries that I did not authorize, and which are not connected to any active credit accounts or approved applications. I never gave permission for these companies to access my credit file : 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

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am submitting a formal complaint concerning a series of hard inquiries that appear on my credit report without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ), credit reporting agencies may only allow access to my credit report when I have given explicit written permission. Upon careful review of my three-bureau credit report, I discovered the following hard inquiries that I did not authorize, and which are not connected to any active credit accounts or approved applications. I never gave permission for these companies to access my credit file : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: 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 questionXXXXXXXX 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 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 four 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 30-day 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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$870.00}

Company response to consumer: Closed with explanation