vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/year>, my boyfriend and I attended a XXXX XXXX timeshare presentation. We understood this would include a XXXX tour and sales pitch in exchange for XXXX promised incentives : a XXXX stay and a XXXX stay, regardless of purchase. 

During the presentation, a sales representative asked us to fill out a form that included personal information. When I was asked to provide my Social Security number and signature, I explicitly asked what I was agreeing to. I was told this was solely to " see what we qualified for '' which I understood to mean eligibility for timeshare financing options. At no point were we told this would initiate a credit card application. We were not provided with any terms and conditions or disclosures prior to signing. 

After we declined the timeshare offer, we were passed to another representative who mentioned a new financing option using the " XXXX Rewards Earner Card. '' I stated that I was not interested, and was then informed that I had already been signed up for the credit card. I checked my phone and saw a confirmation text that a credit card had been opened in my name without my full knowledge or consent. 

We demanded the card be canceled immediately. We were passed to XXXX more representatives, both of whom told us that the card could not be closed that day and we would have to wait for the card to arrive in the mail to cancel it with the issuing bank. We were also told that my boyfriends credit had not been used, but he later received a text confirming that a card had also been opened in his name without his consent. 

We were signed up for the XXXX Rewards Earner credit card without clear, explicit consent, and were refused immediate assistance in reversing the action. We feel deceived and pressured, and believe this XXXX represent a violation of fair lending and consumer consent regulations.

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 2025-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

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

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

And according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
My savings account with Marcus by Goldman Sachs has been restricted due to a claimed violation of terms related to a separate credit product. I was not given any clear written explanation. When I contacted customer support, I was told I must verify my identity through a phone number ownership check via XXXX. 

My phone number does not appear in their database, even though I am the legal account holder and owner of the funds. I was then told to contact XXXX directly, which I didonly to learn that XXXX is a data furnisher and can not directly update or verify consumer profiles on request. XXXX still refuses to offer any alternative method of identity verification, such as government-issued ID, security questions, video verification, or mailing a code to my address on file.

I was told I would have to wait up to 10 business days just to regain access to my funds. This delay is causing me severe financial hardship. I now face the possibility of multiple missed payments on my credit cards and auto loan, and I am unable to put down a deposit on an apartment I urgently need to secure. I can not even make basic purchases like food or gas, despite having enough money in the restricted account to cover all of these obligations. 

I am requesting that XXXX provide an immediate alternative verification method, a full written explanation of the account restriction, and a fast resolution to unlock access to my funds. This situation is unreasonable, harmful, and potentially damaging to my credit and housing stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: FL

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. 

XXXX # XXXX XX/XX/XXXX -- {$5000.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$6200.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$10000.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$2600.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$4800.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$2200.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$3700.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$2300.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$1000.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$3700.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$2300.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$2100.00} DPT EDXXXX # XXXX XX/XX/XXXX -- {$5800.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED 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 XXXXXX/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 explanation
Consumer complaint received 2025-06-21 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: NC

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 - Date Opened XX/XX/XXXX - exp eq Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX - {$0.00} - exp eq Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX -exp eq Account Name : XXXX  XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX - exp eq Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX - exp eq UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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 2025-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ), including the reporting of incorrect addresses and unauthorized inquiries without permissible purpose. These actions have caused harm to my credit profile, exposed me to identity theft risk, and violated my consumer rights. 
Incorrect Addresses Reported TransUnion has reported the following addresses on my credit file, which are factually inaccurate and have no connection to me : XXXX XXXX XXXX XXXX XXXX, AE XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX These addresses are completely false. I have never resided at, used, or been affiliated with these locations. This constitutes a violation of : FCRA XXXX ( b ) Consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. 
FCRA XXXX ( b ) TransUnion failed to ensure that information in my file reflects my true identity and residence. 
Unauthorized Hard Inquiries The following inquiries were placed on my TransUnion credit report without my authorization and without any permissible purpose, as defined in FCRA XXXX ( a ) : XXXX. EDUCATIONAL Dated XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX Dated XX/XX/XXXX I did not apply for credit or services with these entities on or around those dates. I believe these inquiries were either made in error or are the result of identity misuse. According to : FCRA XXXX ( a ) ( XXXX ) A credit inquiry must be made with a permissible purpose. 
FCRA XXXX & XXXX Willful or negligent noncompliance with FCRA requirements gives rise to liability. 
These inquiries have impacted my credit score and placed me at financial risk. Despite attempts to resolve this with TransUnion, the issues remain uncorrected. 
Requested Relief I respectfully request that the CFPB investigate this matter and direct TransUnion to : XXXX. Permanently delete the above incorrect addresses from my credit report. 
XXXX. Remove the unauthorized hard inquiries that occurred without my knowledge or consent. 
XXXX. Provide me with written confirmation of the deletions and updates. 
Additionally, I request that TransUnion be held accountable for their continued failure to follow reasonable procedures in compliance with the 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 2025-06-21 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: CA

Complaint narrative:
I received a copy of my XXXX XXXX  and TransUnion credit report, and noticed some late payments that need to be deleted. It is as follows : XXXX XXXX - XXXX DPT EDXXXX - XXXX Your agency has committed a violation of my federal and consumer rights ; evidence is provided in 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act, which is detailed below.

15 USC 1681b ( 2 ) - permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did NOT give your agency written authorization or written instructions to report this information.

Your agency has not only committed aggravated identity theft but has also falsely accused me of defaming my character, to name a few damages that may be awarded in court, in addition to violating the Fair Credit Reporting Act.

As detailed below, XXXX XXXX, and TransUnion have also violated my consumer rights.

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

The disclosure of this information not only violates federal law but also constitutes aggravated identity theft and character defamation against me, similar to how your agency has harmed me ( 15 USC 1666b ) by failing to obtain my written consent to report such information.

Late payments can not be reported if the consumer was not notified 21 days prior to the due date. It should state " mailed or delivered '' to the customer.

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 2025-06-21 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: OH

Complaint narrative:
possible finance has been reporting inaccurate information in regards to my credit report I've disputed the account multiple times and at this point it is just a complete violation of my rights

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 2025-06-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I reviewed my report and noticed some inquiries that I didn't authorize.

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 2025-06-21 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:
I am filing a formal complaint against XXXXXXXX XXXX XXXXXXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, for inaccurately reporting my mortgage payment history to Equifax, resulting in damage to my credit and a likely violation of the Fair Credit Reporting Act ( FCRA ). 

Background : I am an XXXX servicemember. I was also XXXX on military orders protected under the Servicemember Civil Relief Act ( SCRA ). Orders attached. 

I have a mortgage loan with XXXX XXXX, account number ending in [ XXXX ]. 

According to my Equifax credit report dated XX/XX/year>, XXXX XXXX  reported my account status as Not more than two payments past due, with a last payment date of XX/XX/year>. SEE ATTACHMENT Equifax Erroneous Late Payments.pdf In reality, I made the XXXX payment, and I have already paid my XXXX mortgage as well. 

As of the date of their credit report ( XX/XX/year> ), this reporting is factually outdated, misleading, and incomplete. Under the FCRA, companies that furnish information to credit bureaus must ensure that the data is : Accurate Complete Not misleading By reporting XX/XX/XXXX as my last payment despite receiving my XXXX and XXXX payments, XXXX  XXXX  has caused serious damage to my credit by implying that I am 60 days delinquent when I am not. 

My Requests : That XXXX XXXX  immediately correct their reporting to reflect my current payment status. 

That they remove or correct the XXXX late payment due to misleading status as of the reporting date. 

That the XXXX  assist in holding XXXX XXXX  accountable for misreporting, especially to servicemembers who are uniquely impacted by negative credit data. 

I have attempted to resolve this directly with the company and via Equifax dispute channels, but the inaccurate reporting persists. I have attached screenshots of the Equifax report and proof of payment. 

Please assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
I disputed two XXXX XXXX accounts with TransUnion. TransUnion claimed the items were verified but failed to provide the method of verification as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) of the FCRA. I requested a description of the procedure used to verify the accuracy of the information, including the name and contact of the furnisher, but none was provided. Merely restating payment history does not meet the legal requirement. I am requesting that TransUnion either disclose the method of verification or remove the accounts for noncompliance.

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 2025-06-21 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: IA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. These fraudulent accounts consist of a revolving credit account opened at XXXX XXXX  ( XXXX ), a revolving credit account opened at XXXX XXXX XXXX XXXX ( XXXX ), and multiple federal student loan tradelines reported by the Department of Education XXXX XXXX with account numbers ending in : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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 # XXXX 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 non-monetary relief