vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
False and misleading denial of my own credit Title 15 Subsection 1611 Asked to speak to the underwriter to reverse the denial and still denied an extension my own credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/year> several unrecognized transactions totaling over XXXX dollars appeared on my chase credit card. I called Chase and they cancelled the charges. However, later the transactions were rebuilt since an investigator concluded that I benefited from those transactions, which I did not. The basis was that those transactions were made by XXXX XXXX. 

I examined the transactions. The transactions were made by XXXX XXXX and in-person store purchases. However, I was not physically present in the United States during XX/XX/year>. Chase refuses to provide a further resolution to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-20 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Dear [ TransUnion / XXXX  / XXXX  ], I am writing to formally dispute inaccurate information contained in my credit report. I have reviewed my credit file obtained through XXXX  and have identified accounts that I believe are being inaccurately reported. These errors are negatively affecting my credit score, and I respectfully request an investigation and immediate correction or removal of the following items : - XXXX. XXXX XXXX XXXX - Account # XXXX * Reported on : XXXX  and XXXX  Dispute Reason : This collection account is inaccurately reported as opened on XX/XX/XXXX, with a balance of {$160.00}, and listed as Derogatory. However, this account appears to be reported with inconsistent payment histories and inaccurate dates that do not align with my actual activity. It is also unclear when the account became delinquent or if the debt is valid, as there is no original creditor documentation provided to support this collection. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you verify the accuracy of this item with the original creditor and provide me with supporting documentation, or remove the account entirely if such evidence can not be produced. 
- XXXX. XXXX XXXX - Account # XXXX * Reported on : TransUnion, XXXX, XXXX Dispute Reason : This account is reported as charged off with a past due balance of {$190.00} and has an inconsistent payment history across all three credit bureaus. The account was reportedly last active in XXXX, but was still updated in XXXX, which raises questions about the accuracy and timeliness of the reporting. 
I have not received any recent correspondence or billing related to this account. If this charge-off is valid, I am requesting a detailed payment history and original creditor documentation to validate this debt. Otherwise, I respectfully request its removal for lack of verified and accurate reporting. 
- Please reinvestigate these items and provide me with a written summary of your findings. In accordance with the FCRA, if the information is found to be unverifiable, it must be deleted from my credit file. 
Enclosed are copies of my ID and a recent utility bill to verify my identity. I appreciate your prompt attention to this matter and expect a response within the 30-day time period provided by federal law. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Formal Dispute of Inaccurate Credit Report Information Dear [ XXXX  / XXXX  / Equifax ], I am writing to formally dispute inaccurate information contained in my credit report. I have reviewed my credit file obtained through XXXX  and have identified accounts that I believe are being inaccurately reported. These errors are negatively affecting my credit score, and I respectfully request an investigation and immediate correction or removal of the following items : - XXXX. XXXX XXXX XXXX - Account # XXXX * Reported on : XXXX  and Equifax Dispute Reason : This collection account is inaccurately reported as opened on XX/XX/XXXX, with a balance of {$160.00}, and listed as Derogatory. However, this account appears to be reported with inconsistent payment histories and inaccurate dates that do not align with my actual activity. It is also unclear when the account became delinquent or if the debt is valid, as there is no original creditor documentation provided to support this collection. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you verify the accuracy of this item with the original creditor and provide me with supporting documentation, or remove the account entirely if such evidence can not be produced. 
- XXXX. XXXX XXXX - Account # XXXX * Reported on : XXXX, XXXX, Equifax Dispute Reason : This account is reported as charged off with a past due balance of {$190.00} and has an inconsistent payment history across all three credit bureaus. The account was reportedly last active in XXXX, but was still updated in XXXX, which raises questions about the accuracy and timeliness of the reporting. 
I have not received any recent correspondence or billing related to this account. If this charge-off is valid, I am requesting a detailed payment history and original creditor documentation to validate this debt. Otherwise, I respectfully request its removal for lack of verified and accurate reporting. 
- Please reinvestigate these items and provide me with a written summary of your findings. In accordance with the FCRA, if the information is found to be unverifiable, it must be deleted from my credit file. 
Enclosed are copies of my ID and a recent utility bill to verify my identity. I appreciate your prompt attention to this matter and expect a response within the XXXX time period provided by federal law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: NV

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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 non-monetary relief
Consumer complaint received 2025-07-20 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: PNC Bank N.A.
State: PA

Complaint narrative:
To Whom It May Concern : I am writing to formally exercise my rights under 12 CFR Part 1016 Privacy of Consumer Financial Information ( Regulation P ).

As a consumer, I have the legal right to limit how my nonpublic personal information is shared. Regulation P requires your institution to notify me of your privacy practices and gives me the right to opt out of having my personal financial information shared with non-affiliated third parties.

At this time, I am exercising my right to opt out of all non-essential and unauthorized third-party sharing of my personal information. Furthermore, if any account or loan associated with me was reported to credit bureaus without my proper authorization or in violation of privacy rights under Regulation P, I am requesting that it be immediately discharged, removed from my credit report, and any further reporting be ceased.

Please provide the following : Written confirmation that you received and honored my opt-out request.

Details of any third parties my personal information was shared with.

Documentation showing my authorization for any such sharing ( if it exists ).

Confirmation that the account has been removed or flagged for removal/discharge from all credit reporting agencies. 




If my nonpublic personal information was shared or used in a way that violates Regulation P, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 



Please respond to this request within 30 days from the date of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: NV

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear consumer financial protection bureau, I am submitting this written complaint and request for investigation regarding an inaccurate address that is being reported on my credit file by one or more credit reporting agencies. This incorrect personal information has affected my credit profile and may be contributing to other reporting errors or fraud concerns : Incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX, fl. XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX ga. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Florida. XXXX Correct address : XXXX XXXX XXXX XXXX XXXX, Florida. XXXX Credit Bureau reporting the error : XXXX, Experian, XXXX  Date Noticed : XX/XX/year> This address is not mine and has never been associated with me. I believe its inclusion may be the result of a clerical error, a mixed file, or possibly fraudulent activity. I have already contacted the credit bureau and requested an investigation and correction under the fair credit reporting act ( FCRA ) 15 u.s code 1681, issue has not been properly resolved. Therefore, I am filling this complaint though the CFPB and requesting that you assist in : investigating the source of this incorrect address ; directing the credit reporting agencies to remove this inaccurate address from my credit file ; Ensuring that only accurate, verifiable, and relevant personal information is listed on my credit report. I attaching copies of my utility bill/ bank statement with my correct address as proof of my current residence.

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 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliance One, Inc.
State: TX

Complaint narrative:
Alliance One XXXX in response to your letter datedXXXX  2025 I have request many times through the CFPB for records, chain of assignment, forward flow agreement, copy of trust, insurance, or! XXXX XXXX XXXX refuses to give the information to me this account is in litigation and the Office of the comptroller is now involved seems that XXXX XXXX may have some explaining to the office of comptroller you just like the other third party are being used I request the information in my PDF complete information. I have a right to the information they refuse to give. respond through the CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to 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 explanation
Consumer complaint received 2025-07-20 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: PA

Complaint narrative:
I just received notification that my score is now XXXX due to increase in student loan balance Trans union equifax and experian are breaking the law and are reporting inaccurate info on my credit report I was at XXXX and they have destroyed my score due to invalid Information I had a bankruptcy come off my credit and then they added back on illegally and that information is illegal also they have so many errors they will not fix due to disputes but the main reason Im filing this complaint is because they lowered my score XXXX points due to the fact that my student loans increased but the reason this is illegal is because my student loans are current and in deferred status I like to know why they think they can just break the law I make all my payments on time but my student loans again are in deferred status I like to know who is Messing up my score so badly I also still am suffering from the identity theft which I supported valid legal court documentation which they recieved to remove all closed fraud accounts of my report which they still have not done instead they are selling fraudulent debt to companies which is highly illegal Im done playing with the credit bureaus they have caused me a, out of headache and suffering this needs handled immediately and accordingly so many new collections which are against the law keep popping up when they were court ordered to remove all the closed accounts after XXXX  XXXX bankruptcy and also they are to remove the bankruptcy as well due to invalid info now if they do not comply I will sue them accordingly again the worst part is they say that they cant find me in their system which is just another way to deny taking accountability for their XXXX up

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 2025-07-20 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: PA

Complaint narrative:
I just received notification that my score is now XXXX due to increase in student loan balance Trans union equifax and experian are breaking the law and are reporting inaccurate info on my credit report I was at XXXX and they have destroyed my score due to invalid Information I had a bankruptcy come off my credit and then they added back on illegally and that information is illegal also they have so many errors they will not fix due to disputes but the main reason Im filing this complaint is because they lowered my score XXXX points due to the fact that my student loans increased but the reason this is illegal is because my student loans are current and in deferred status I like to know why they think they can just break the law I make all my payments on time but my student loans again are in deferred status I like to know who is Messing up my score so badly I also still am suffering from the identity theft which I supported valid legal court documentation which they recieved to remove all closed fraud accounts of my report which they still have not done instead they are selling fraudulent debt to companies which is highly illegal Im done playing with the credit bureaus they have caused me a, out of headache and suffering this needs handled immediately and accordingly so many new collections which are against the law keep popping up when they were court ordered to remove all the closed accounts after XXXX  XXXX bankruptcy and also they are to remove the bankruptcy as well due to invalid info now if they do not comply I will sue them accordingly again the worst part is they say that they cant find me in their system which is just another way to deny taking accountability for their XXXX up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: TX

Complaint narrative:
In addtion to the information on my identity theft report there are fraudulent accounts, names, inquiries, and phone numbers on my Experian report. XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX are fraudulent name. My name is XXXX XXXX XXXX. That should be the only name on my report. The inquiries XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are all fraudulent. Please remove this fraudulent information from my credit report within 4 days of this complaint as it is hurting my ability to obtain credit. I have attached my identity theft report as well as the required documents under the FCRA to this complaint.

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