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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 : 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 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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 non-monetary relief
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: FL

Complaint narrative:
Failure to XXXX Reasonable Investigation. Inaccurate and Unverifiable XXXX Account XXXX. 

Credit Bureaus Involved : Experian, Equifax, TransUnion Account Name : XXXX  XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$15000.00} I am filing this complaint because Experian, Equifax, and TransUnion are reporting a derogatory collection account from " UPSTART NETW '' that is inaccurate, unverifiable, and damaging my credit. 

I have submitted written disputes to all three agencies and requested deletion of this account on the basis that it was not properly validated. The credit bureaus failed to conduct a reasonable investigation, as required by the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). 

They continued to report the collection without : Providing me with any documentation to support the accuracy or ownership of the account Verifying the chain of custody or proof from the original creditor Validating that the reporting collection company even has legal authority to collect The original creditor charged off this account in XXXX  and made no effort to establish a payment plan, even during a time when I was suffering from : Unemployment due to the XXXX aftermath Divorce proceedings that impacted my financial status The devastating impact of XXXX XXXX in XXXX, which made it impossible to work Given the absence of documentation, and the credit bureaus failure to verify the legitimacy of this account, this item must be removed from my credit report. Continuing to report it without evidence violates FCRA obligations.

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: NC

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 INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
ISSUE # XXXX : Citibank is sending me statements WITHOUT transactions listed. This has happened on billing period XXXX & XXXX. 

ISSUE # XXXX : XXXX rec 'd a snail mailed letter that they made an error on my credit card account on XX/XX/year> & that I'd receive a credit for {$350.00} due to them charging me twice for XXXX XXXX, XXXX XXXX. Since they DID NOT apply this credit in XXXX the letter stated they would put the credit on my XXXX statement but they never provided the credit. 

ISSUE # XXXX : In XXXX I was told by the XXXX # reps at citibank that they'd change my due date to the XXXX or XXXX of the month & that this would start XX/XX/year> but this change has not taken place. 

Their XXXX # reps answer the phone in the XXXX, do not speak XXXX very well, prohibiting proper communications, are rude & hang up when I ask to speak to a supervisor. They also never do any of the things they say they'll do or correct in the account forcing me to call repeatedly over months into the future.

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 monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I have a mortgage through Freedom mortgage. I am a 80 % XXXX veteran living in Illinois. In the state of Illinois, any XXXX veteran above 70 % is 100 % property tax exempt. I have been trying repeatedly to have the amount going into escrow adjusted to reflect my exemption. I have sent tax bills along with the XXXX XXXX  form which clearly states tax exempt as well as approved status. The mortgage company is refusing to adjust my escrow stating an official form is needed, even though the form I have provided is in fact the official form. They are stating the XXXX form is not good enough even though it is the same form I have used with my last XXXX homes and never had an issue. They claimed they contacted the supervisor of assessments in XXXX XXXX and they said it was only a partial exemption. I know this to be a lie, because I contacted the supervisor of assessments right afterwards. They confirmed that I am 100 % exempt, and that no one from my mortgage company had called to speak with them. I relayed that information to freedom mortgage and they simply deflected. They are refusing to do their job on this matter for an unknown reason. I have attached the form and highlighted the areas confirmed tax exempt status that they are refusing to accept.

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 — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
XXXXApple card from Goldman Sachs was opened in my name XXXX fraud.  The card was used to charge approximately XXXX.  AfterXXXX months of calls and correspondence, I was assured by Goldman Sachs that the account was closed, and that I had no responsibility for the debt. However, the "charged off" account continues to appear on my credit report and continues to result in a credit score that was reduced by more than XXXX  points.  I have been XXXX another round of fruitless telephone calls and reports.I have been assured multiple times that this issue has been resolved and would be rectified with the reporting agencies.  It has not.XXXX   This is the information I have:  Apple card/GS bank account XXXX  Date opened XX/XX/XXXX.Credit limit XXXX. Balance due of XXXX as of XXXX XXXX. Goldman Sachs has not withdrawn the erroneous information from the account, has not notified the credit reporting agencies of the fraud relative to this account, and has not had my credit scoring repaired.  I was assured that all of this would be accomplished. \nI need your help.  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would be more than happy to provide you any further information, or personal information you may need'

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: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Equifax continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan go to late for any purpose. The capital one is reporting XX/XX/year> and XX/XX/year> as late payments

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: 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 : FRAUDULENT INQUIRIES : 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 2025-10-23 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: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I applied for XXXX Synchrony Bank XXXX XXXX XXXX 8 days ago a XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Musicians Friends Card and a XXXX Card. I was Prequalified for all four cards and issued very small credit lines and accepted these cards, They then Verified my information with Selfie Videos of me and pictures of my Drivers license front and back.

Then they approved me for all 4 cards after verification of my I.D . at point they told me my credit line and said i would receive my cards in the mail in 7 to 10 days, and gave me access i mediatley to the accounts so i could the cards while waiting for them.

I used 1 card and purchased XXXX at XXXX. then i receied within XXXX week all cards, then this week I tried to use my XXXX card and the online system said my account was closed. I proceeded to check te other cards to find all were closed with no available credit. 

I called customer service at Synchrony Bank and was told they reviewed my credit file and closed all XXXX of my accounts with no explaination saying they did not know why. 

They Preapproved all XXXX cards based on my credit file and after the verified my identity, sent the cards and allowed me to use them. 

As I allowed them to pull my credit file as a hard pull because I was approved and verified. I did not mind the hard pull on my credit because I was issued the accounts and that would explain to other creditors why I had those XXXX inquiries. 

But they closed all cards destroying my credit score dropping it by XXXX points. this is very sad as they approved me, issued the cards, allowed me access to the cards then closed the accounts unjustifiably as they had the opportunity to decline my application since they did a XXXX Pull on the Credit Bureau and already saw my low credit score and now they have seriously messed up my credit by no fault of mine.

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
your failure to properly investigate and resolve a credit dispute that I previously submitted to your agency. I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ) and to demand immediate action. 
On [ XXXX ], I submitted a dispute via Phone concerning inaccuracies on my credit report. The original dispute included the following information : Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason for Dispute : This is not my account, and I believe it is the result of identity theft. 
The FCRA requires credit reporting agencies to investigate a consumer 's dispute within 30 days. It has now been more than 45 days days since I filed my dispute, and I have not received a response or a corrected credit report. Your inaction is a violation of the FCRA, and it is causing me financial harm by inaccurately reflecting my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NJ

Complaint narrative:
I am disputing inaccuracies in my Experian credit report, specifically regarding my name and address.My accurate legal name is XXXX XXXX XXXX. My last name XXXX is not showing correctly in the report, and I need it added. Additionally, my credit file includes the incorrect address XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, along with XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, both of which are incorrect. My correct and current address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I previously mailed a dispute letter, which was delivered on XX/XX/year>, confirmed by USPS Tracking # XXXX. Despite this, the incorrect name and address information remain on my credit report, and I am seeking a resolution. I also can not file a new FTC Identity Theft Report due to the FTC website being shut down.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.

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: TX

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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 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: TN

Complaint narrative:
XX/XX/XXXX ACCOUNT CLOSED BY COMENITY BUT REPORTED TO CREDIT BUREAU THAT ACCOUNT WAS IN GOOD STANDINGS XX/XX/XXXX AND XXXX. I DID NOT AUTHORIZE THIS ACCOUNT. THIS ACCOUNT WAS FRAUD AND IS BEING INVESTIGATED BUT STILL REPORTING ON 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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: TX

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation