vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
This is a formal follow-up regarding my previously submitted disputes and complaints against XXXX XXXX Bank , XXXX, Equifax, and XXXX. 

As of last week, I mailed formal Final Demand for Deletion and Intent to Sue letters to each party via certified mail. These letters included supporting documentation and clear evidence that : XXXX XXXX Bank reported false and inconsistent account closure dates ( XXXX, XXXX, and XXXX across different bureaus ), continued furnishing inaccurate delinquency data on a closed account, and failed to properly notify me of account closure while still accepting payments. 
XXXX, Equifax, and XXXX verified the accounts accuracy without providing me any documentation or proof to support their verification, despite having more than XXXX  days and receiving my disputes multiple times. 
All XXXX bureaus have ignored my right to a fair investigation under the FCRA and have allowed XXXX XXXX to continue harming my credit month after month by reporting false delinquencies on a closed account. 

Each company has been given until XX/XX/XXXX to comply with my demand : Delete this account from my credit report entirely and compensate me accordingly for the damage, stress, and ongoing harm caused. 

I am no longer asking for account correction. I am requesting full deletion and proper financial compensation. Failure to comply will result in small claims litigation against each entity. 

This has gone on far too long and has severely impacted my life. I am pursuing the maximum compensation allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
This is a formal follow-up regarding my previously submitted disputes and complaints against XXXX XXXX Bank , Experian, XXXX, and XXXX 

As of last week, I mailed formal Final Demand for Deletion and Intent to Sue letters to each party via certified mail. These letters included supporting documentation and clear evidence that : XXXX XXXX Bank reported false and inconsistent account closure dates ( XXXX, XXXX, and XXXX across different bureaus ), continued furnishing inaccurate delinquency data on a closed account, and failed to properly notify me of account closure while still accepting payments. 
Experian, XXXX and XXXX verified the accounts accuracy without providing me any documentation or proof to support their verification, despite having more than XXXX days and receiving my disputes multiple times. 
All XXXX bureaus have ignored my right to a fair investigation under the FCRA and have allowed XXXX XXXX to continue harming my credit month after month by reporting false delinquencies on a closed account. 

Each company has been given until XX/XX/XXXX to comply with my demand : Delete this account from my credit report entirely and compensate me accordingly for the damage, stress, and ongoing harm caused. 

I am no longer asking for account correction. I am requesting full deletion and proper financial compensation. Failure to comply will result in small claims litigation against each entity. 

This has gone on far too long and has severely impacted my life. I am pursuing the maximum compensation allowed.

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 2025-06-26 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: FL

Complaint narrative:
This is a formal follow-up regarding my previously submitted disputes and complaints against XXXX XXXX Bank , XXXX, XXXX and TransUnion. 

As of last week, I mailed formal Final Demand for Deletion and Intent to Sue letters to each party via certified mail. These letters included supporting documentation and clear evidence that : XXXX XXXX Bank reported false and inconsistent account closure dates ( XXXX, XXXX, and XXXX across different bureaus ), continued furnishing inaccurate delinquency data on a closed account, and failed to properly notify me of account closure while still accepting payments. 
XXXX XXXX and TransUnion verified the accounts accuracy without providing me any documentation or proof to support their verification, despite having more than XXXX days and receiving my disputes multiple times. 
All XXXX bureaus have ignored my right to a fair investigation under the FCRA and have allowed XXXX XXXX to continue harming my credit month after month by reporting false delinquencies on a closed account. 

Each company has been given until XX/XX/XXXX to comply with my demand : Delete this account from my credit report entirely and compensate me accordingly for the damage, stress, and ongoing harm caused. 

I am no longer asking for account correction. I am requesting full deletion and proper financial compensation. Failure to comply will result in small claims litigation against each entity. 

This has gone on far too long and has severely impacted my life. I am pursuing the maximum compensation allowed.

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 2025-06-26 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: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.

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 2025-06-26 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 XXXX credit agencies are unlawfully and inaccurately showing my child support which prevents me from getting a loan for a car or house and violates the FRCA. 

XXXX. 15U.S.C.XXXXXXXX ( b ) Obligation must be reported with the maximum possible accuracy. The debt appears to result from fraudulent documentation, making it inherently incorrect. 


XXXX. 15U.S.C.XXXXXXXX  ( a ) Only accurate and timely information may be reported. This obligation is either expired, invalid, or based on an unenforceable order. 


XXXX. 15U.S.CXXXX ( a ) Furnishers can not report data they know or should know is inaccurate. I have informed the statutebased agency of fraud and jurisdictional defects. 


XXXX. 15U.S.C.XXXX ( a ) You must reinvestigate disputed entries within XXXX  days, and delete any item found to be inaccurate or unverifiable. 


XXXX. XXXX. XXXX. CXXXXe XXXX ( a ) State law prohibits furnishing incomplete or inaccurate information. 


XXXX. An unenforceable order signed by an unlicensed commissioner is legally void and thus unreportable. 


XXXX. Recent legal actions ( XXXX ) against Experian and Equifaxspecifically for defective reinvestigation and inclusion of unreliable government dataunderscore your obligation to correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: LA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-26 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: MD

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NRA Group, LLC
State: MD

Complaint narrative:
In XX/XX/XXXX, a medical collection account from National Recovery Agency ( on behalf of XXXX XXXX XXXX ) was added to my XXXX  credit report. This debt was not my responsibility ; it was tied to a XXXX fully covered under a workers compensation claim handled by XXXX XXXX. Despite my communications with the medical provider and the collection agency informing them of this, the account remained on my credit report for nearly a year. I formally disputed the collection with XXXX in early XXXX, but it was not removed until XX/XX/XXXX. During the time it was incorrectly reported, I was denied multiple forms of credit, including personal loans and auto financing. These denials led to at least XXXX hard inquiries from companies such as XXXX, XXXX, and XXXX XXXX. These inquiries further damaged my credit score. The collection was eventually removed, but only after persistent efforts and extensive documentation on my part. I am now disputing the hard inquiries that resulted from this error and have sent a demand letter to the collection agency requesting compensation for the harm caused, including credit denials, loss of financial opportunities, and emotional distress.

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 2025-06-26 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: NC

Complaint narrative:
Im XXXX XXXX XXXX, and Im personally filing this complaintthere is no third party involved. Im trying to buy a home, but incorrect and unauthorized information on my credit report is blocking my progress. 
Under 15 U.S. Code 1681b, I never gave written consent, so reporting this is a rights violation and considered fraudulent. 
This has delayed both my home and business plans. Please take urgent steps to fix this.

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 2025-06-26 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: NC

Complaint narrative:
I, XXXX XXXX XXXX, am personally disputing false information on my credit reportno one else is involved. 
These errors are blocking my ability to buy a home, and despite my patience, no corrective steps have been taken. 
This situation is impacting my life and future plans. I urge you to review the attached documents and resolve the issue immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am being charged by Affirm for a XXXX ORDER that i never receieved. The package was marked " delivered '' by XXXX with an invalid signature proof, but i did not recieved it. XXXX stated that only the merchant ( XXXX  ) can file a lost package claim. I contact XXXX, and they refused to file the claim or issue a refund and told me to go to the payment provider. Affirm denied my dispute, despite the fact that i have not recieved the product, and a police report was filed, reported, and given to AFFIRM. I am not being asked to pay {$520.00} for merchandise that was never delivered and can not get either company to resolve it. I am requesting that Affirm cancel the charge and stop collection efforts for this undelivered item, and not report it to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NC

Complaint narrative:
I, XXXX XXXX XXXX, am personally disputing false information on my credit reportno one else is involved. 
These errors are blocking my ability to buy a home, and despite my patience, no corrective steps have been taken. 
This situation is impacting my life and future plans. I urge you to review the attached documents and resolve the issue immediately.

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 2025-06-26 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: WA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-26 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:
Please consider this letter a formal dispute regarding fraudulent accounts that are inaccurately appearing on my credit report. I had no involvement in creating these accounts and only discovered their presence through a recent credit review.

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 2025-06-26 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:
I recently discovered a late payment listed on my credit report, which I firmly believe is incorrect. I have a long-standing history of making payments on time, and my banking statements clearly reflect that this payment was no exception.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a large payment to my Chase XXXX  XXXX credit card, which was near its limit. On Sunday, XX/XX/XXXX, I was declined for a small grocery purchase and again on Monday, XX/XX/XXXX. When reviewing my online banking, I discovered that even though I had a large amount of credit, my available balance was showing {$0.00}. I contacted Chase on Tuesday, XX/XX/XXXX and inquired about the reason for the {$0.00} balance available. I was informed that their accounting department had placed a financial hold on the payment until Thursday XX/XX/XXXX. I requested that a small amount of the credit be released as I currently had no other financial means to make purchases, but they informed me that there is nothing they can do for me. I looked again this morning, XX/XX/XXXX, and still had a {$0.00} available credit, so I called again to find out why the hold was not lifted as they said. They informed me that the hold will lift today but the credit will not be available until tomorrow, XX/XX/XXXX. A full week between payment and application is excessive. The funds were removed from my checking account on Monday, XX/XX/XXXX. I do plan to cancel this credit card based on this event, but I believe they should be investigated for fraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CO

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/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 2025-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received an email from capital one bank about i can open my account again. I don't know if that is an fraud email or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
Upon reviewing my credit report, I was disturbed to find several accounts that I did not open. I have no affiliation with the companies listed, and I believe these entries are the result of fraudulent activity. I have never applied for or used the credit reflected in these accounts.

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 2025-06-26 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: TX

Complaint narrative:
I made a purchase using the card on XX/XX/year>. 
The website I purchased from says I would receive the item in 1-4 days. 
The item was supposed to be delivered XX/XX/year>. 
The item was not delivered. I contacted the seller to resolve the issue several times and the seller did not assist. 
I filed a dispute with XXXX for a refund. 
I received the item over a month later. 
I attempted to contact the seller to be issued a refund and return the items. 
The seller reported that my refund had been issued to my bank and that she was no longer willing to assist. The seller asked me not to contact the business anymore as it could be considered harassment and would be handled accordingly I reported all of this to XXXX and they still did not issue a refund in my favor. I received-opened the investigation. 
XXXX is not supportive of their clients as this is not my first time having issues with XXXX disputes despite providing all the evidence supporting the claims.

Company response to consumer: Closed with monetary relief