vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am submitting this formal complaint to the Consumer Financial Protection Bureau to report multiple inaccuracies on my credit report that are severely affecting my credit standing. These include incorrect addresses, inaccurate account information, and unauthorized hard inquiries. I have previously disputed these errors with the credit reporting agencies, but they have failed to perform a reasonable investigation or correct the disputed items, in violation of the Fair Credit Reporting Act ( FCRA ). I am requesting the CFPB to investigate and take appropriate enforcement action against the furnishers and credit bureaus involved for failing to comply with their legal obligations under federal law. 
Address : XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Law Issue : Under 15 USC 1681c and XXXX ( b ) any information being reported must be accurate and verifiable this address is not and must be deleted Story : I have no known connection to this location this address is entirely unfamiliar to me and may have been linked due to clerical or identity confusion I request immediate removal Account : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment * * Law Issue : Under 15 USC 1681s-2 ( a ) furnishers must report accurate information and under 1681i the bureau is required to reinvestigate any item in dispute within 30 days Story : This account shows a late payment that is being incorrectly reported I have no record of making any late payments on this account and I dispute the accuracy of that negative entry I am requesting full investigation and prompt removal if unverified Inquiry : XXXX  Date : XX/XX/XXXX Law Issue : Credit bureaus are required under FCRA to ensure that any inquiry shown is based on a certified permissible purpose under 15 USC 1681b Story : I am unfamiliar with this party and did not approve or engage in any financial transaction that would authorize this credit pull this is an unauthorized inquiry and must be deleted from my report Due to the continued reporting of inaccurate and unverifiable information on my credit file, I am requesting that the CFPB intervene and hold the credit reporting agencies and data furnishers accountable. I am seeking full deletion or correction of the disputed items listed above, along with written confirmation of all actions taken. I appreciate the CFPB 's role in protecting consumer rights and request your immediate assistance in resolving these violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
I am submitting this form of dispute under Metro Two Compliance Standards and 15-USC-1681 I , the credit bureaus are required to ensure that complete and accurate reporting under CDIAS Guidelines.

I am not requesting a standard dispute but rather a Metro II Compliance based investigation.

I want the credit bureau to demonstrate full adherence to e-OSCAR reporting codes and federal data accuracy obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681c-2 ) that you, EQUIFAX credit reporting agency block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of receiving this complaint. This false, inaccurate, and fraudulent information consist of auto loans, personal loans, collections ACCOUNTS - XXXX XXXX  {$1300.00} XXXX {$540.00} XXXX XXXX {$610.00} XXXX XXXX {$700.00} XXXX  {$110.00} XXXX  {$180.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX These accounts have resulted in several fraudulent inquiries and accounts on my consumer FICO report. I've attached a list of the accounts. I do not recognize the aforementioned accounts, collections, and inquiries reported.The aforementioned accounts you have on file on my consumer report was not initiated by me nor opened ; they are a result of identity theft. I have attached my FTC report as a result that the mentioned accounts were opened fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was induced by fraud to send {$2200.00} via XXXX  to account " XXXX XXXXXXXX '' from my XXXX XXXX XXXX checking account for the purchase of a camera that a seller listed on XXXX. XXXX  and my Credit Union refused to reimburse me for the fraudulent transaction or investigate/resolve the matter appropriately. XXXX  said its hands were tied on the matter of recovering my stolen funds from " XXXX XXXX ''. My credit union, for which I filed a second complaint ) stated that there was insufficient evidence to support my fraud claim. However, I showed them proof of the transaction including texts ( XXXX ) that indicated the seller would let me know when they shipped the camera and XXXXXXXX XXXX swift action to close the seller 's account immediately after I reported the fraud. I also provided proof of the seller 's acknowledgement of fraud, as they have declined my refund request twice through XXXX. These refusals indicate that their XXXX  account remains open, and the fraudster is continuing to use it for transactions. Under Regulation E of the Electronic Fund Transfer Act, this transaction was unauthorized due to deception. I authorized the transacted for the purpose of buying a camera. The person perpetrating this criminal act still has an active XXXX  account with a financial institution 's account attached to it, so I believe there is recourse to recover the funds and prevent the account user from committing future acts of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
also accounts of which are including in XXXX XXXX XXXX displaying on my report as POTENTIALLY NEGATIVE accounts in red Ink. These account are the only displaying 120 -150 days late. XXXX XXXX XXXX of which has been dismissed. also in red. 

I agree that the XXXX XXXX XXXX discharged would be potentially negative not the accounts that included in my bankruptcy as well Account Info 1. XXXX XXXX  POTENTIALLY NEGATIVE-XXXX 2. XXXX XXXX POTENTIALLY NEGATIVE-XXXX 3. XXXX POTENTIALLY NEGATIVE-XXXX 4. XXXX XXXX XXXX dismissed Potentially Negative-XXXX not only that, the credit report has 5 different address other than my present address. There are 3 of are post office boxes on my 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 2025-07-22 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOUTHSTATE BANK CORPORATION
State: CO

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all transacted on XX/XX/year>. My bank acc is from " south state bank '' formerly " independent financial ''. These were all fraudulent charges and not purchased by me. I was scammed by the " dmv scam '' thats going around. 

After reporting the fraud they denied it then I reopened the case again and haven't heard back, its been over a month now on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I believe I am the victim of fraudulent activity, as I have no involvement with these accounts. Please investigate and remove them from my record. Evidence has been attached.

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 2025-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX XXXX, Ohio. Financing for the vehicle was arranged through Huntington Bank. 

During the loan signing process, the finance representative at the dealership verbally stated that I had a flat 9.5 % interest rate. Based on this explanation, I understood that the interest would be fixed and not subject to daily accrual. There was no clear or prominent disclosure that the loan used simple interest, nor was it explained that interest would be calculated and accrued daily on the outstanding principal balance. 

I was accompanied by my mother during the entire transaction, and she can confirm that we were not informed about the daily interest accrual. We both left the dealership under the impression that the loan was based on a flat, non-variable rate. 

Only after reviewing my loan documents more closely after the purchase did I discover that interest is accruing daily, which significantly impacts the true cost of the loan over time. This was not clearly communicated or explained during the sales process. 

I believe I was misled by the dealership and not provided with the full and accurate terms of the loan at the time of signing. Had I been made aware of the daily interest structure, I would have considered alternative financing options. 

I am requesting that this matter be reviewed and that action be taken regarding the dealerships and lenders disclosure practices. I am also seeking assistance in resolving the situation, as I feel I was not given a fair opportunity to make an informed financial decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: PA

Complaint narrative:
I made a purchase from XXXX on XX/XX/year>. I received the items one of the outfits was damaged the other did not fit. I tried to make a return they said they had no record of my order, so I filed a dispute with my credit card company. I sent them screenshots of the communication between the company and I for them to never resolve my issue. I went back to the website and tried to return again only for the company to tell me it was too late for me to make a return. This is something that happens with this company constantly it is fraud they are blocking customers from being able to make returns leaving consumers with items they cant use.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-22 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: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Information - Failure to Investigate in Violation of FCRA 605B And 611 To Whom It May Concern : This letter serves as a formal dispute regarding inaccurate and unveriable information on my credit report. Despite multiple attempts matter, { { BUREAU NAME } } has failed to conduct proper investigations and continues to report inaccurate information, in violation of t Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for sham investigations The disputed account ( s ) include : XXXX with a balance of {$350.00} XXXX  balance of {$1000.00} XXXX XXXX {$320.00} XXXX XXXX XXXX {$780.00} Under FCRA 605B [ 15 U.S.C. 1681c-2 ], I am entitled to have fraudulent or unveriable information blocked from my credit report proper notice.

Additionally, the CFPB has documented Experians systemic failures to investigate disputes properly, including : Conducting sham investigations. 
Failing to provide consumers with accurate or consistent investigation results. 
Improperly reinserting deleted information. 
I have attached supporting documentation to substantiate my claim, including police reports, identity theft adavits, account stateme dispute correspondence, and more. 
* * DEMAND FOR RESOLUTION * * I demand the immediate deletion or correction of the inaccurate account ( s ) listed above. Please conduct a reasonable investigation, as and send conrmation of the results within 30 days. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NJ

Complaint narrative:
Subject : Dispute of Inaccurate Information - Failure to Investigate in Violation of FCRA 605B And 611 To Whom It May Concern : This letter serves as a formal dispute regarding inaccurate and unveriable information on my credit report. Despite multiple attempts matter, { { BUREAU NAME } } has failed to conduct proper investigations and continues to report inaccurate information, in violation of t Reporting Act ( FCRA ) and as supported by the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian for sham investigations The disputed account ( s ) include : XXXX with a balance of {$350.00} XXXX  balance of {$1000.00} XXXX XXXX {$320.00} XXXX XXXX XXXX {$780.00} Under FCRA 605B [ 15 U.S.C. 1681c-2 ], I am entitled to have fraudulent or unveriable information blocked from my credit report proper notice.

Additionally, the CFPB has documented Experians systemic failures to investigate disputes properly, including : Conducting sham investigations. 
Failing to provide consumers with accurate or consistent investigation results. 
Improperly reinserting deleted information. 
I have attached supporting documentation to substantiate my claim, including police reports, identity theft adavits, account stateme dispute correspondence, and more. 
* * DEMAND FOR RESOLUTION * * I demand the immediate deletion or correction of the inaccurate account ( s ) listed above. Please conduct a reasonable investigation, as and send conrmation of the results within 30 days. 
Sincerely,

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: King of Credit Financial, Inc
State: CA

Complaint narrative:
I do not quite remember the day but I know.It was year XXXX XXXX XXXX or XXXX XXXX XXXX when the event happen. They sold me a lemon. When I first got the XXXX I had to put in shop to get the h, valve heads, coils need to be changed out, it cost us out of pocket XXXX to fix it because they didn't want to fix it we had 90 days warranty to bring in the XXXX but they turn us down.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: MS

Complaint narrative:
I have submitted several dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain unresolved. Attached are copies of the correspondence previously sent to each bureau. For your review, I have also included a table summarizing the discrepancies across all three reports. I kindly request your assistance in addressing and correcting these issues as soon as possible.

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 2025-07-22 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: MS

Complaint narrative:
I have submitted several dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain unresolved. Attached are copies of the correspondence previously sent to each bureau. For your review, I have also included a table summarizing the discrepancies across all three reports. I kindly request your assistance in addressing and correcting these issues as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC
State: IL

Complaint narrative:
I noticed this on my credit report, called and can't get a clear answer of why and who they are

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
I am filing this formal complaint against Experian for continuing to report multiple inaccurate and damaging accounts on my credit report, despite prior disputes and lack of lawful verification. 
I have submitted multiple disputes, and Experian has either verified these accounts without providing documentation or failed to respond within the required timeline. This is a violation of the Fair Credit Reporting Act ( FCRA ) under sections : 602 Purpose of the Act 609 Right to full disclosure 611 Right to dispute 623 Duty of furnishers to provide accurate information XXXX Civil liability for willful or negligent noncompliance Inaccurate and Harmful Accounts Still Being Reported : XXXX. XXXX  XXXX XXXX XXXX payments and past due XXXX. XXXX Charged off, past due XXXX. XXXX  XXXX XXXX derogatory months, charge-off XXXX. XXXX/XXXX  XXXX XXXX months, charge-off XXXX. XXXX XXXX XXXX {$1900.00} collection XXXX. XXXX XXXX XXXX {$4100.00} collection These accounts have either been previously disputed and verified without proper evidence or never validated under 609. Additionally, they are negatively affecting my FICO score and financial life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this formal complaint against Experian for continuing to report multiple inaccurate and damaging accounts on my credit report, despite prior disputes and lack of lawful verification. 
I have submitted multiple disputes, and Experian has either verified these accounts without providing documentation or failed to respond within the required timeline. This is a violation of the Fair Credit Reporting Act ( FCRA ) under sections : 602 Purpose of the Act 609 Right to full disclosure 611 Right to dispute 623 Duty of furnishers to provide accurate information XXXX Civil liability for willful or negligent noncompliance Inaccurate and Harmful Accounts Still Being Reported : XXXX. XXXX  XXXX XXXX XXXX payments and past due XXXX. XXXX Charged off, past due XXXX. XXXX  XXXX XXXX derogatory months, charge-off XXXX. XXXX/XXXX  XXXX XXXX months, charge-off XXXX. XXXX XXXX XXXX {$1900.00} collection XXXX. XXXX XXXX XXXX {$4100.00} collection These accounts have either been previously disputed and verified without proper evidence or never validated under 609. Additionally, they are negatively affecting my FICO score and financial life.

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