vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Ive been trying to delete my online access account at XXXX by Goldman Sachs, but they do not let me. They say its due to the XXXX XXXX, but I just dont want to have my login or data there since I do not use them. They can lock my login but wont delete my data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Remove Collection 15 U.S. Code 1692c ( c ) Sunrise Credit Services XXXX XXXX XXXX XXXX, NY XXXX Creditor : XXXX XXXX XXXX Account Number : XXXX XXXX Account # XXXX Amount {$2800.00} Payment History Last payment No Info Current Payment Status In Collections/Charge-off Amount past due {$2800.00}

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 2025-06-12 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: GA

Complaint narrative:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX # XXXX XXXX GA XXXX ACCOUNTS : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$690.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: KS

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint for failing to comply with the Fair Credit Reporting Act ( FCRA ) and for demonstrating ongoing negligence in handling inaccurate information reported on my credit file.

Despite multiple formal disputes, the credit bureau has continued to report information that is inaccurate and unverifiable. I have requested proper debt validation, including a signed contract or other documentation clearly connecting me to the alleged account ( s ). The credit bureau has failed to provide this information, yet continues to mark the disputes as verified without offering any evidence of the verification process. This practice is not only misleading, but it violates the FCRA, which requires credit reporting agencies to conduct a reasonable and good faith investigation into any disputed information.

As a direct result of continued reporting of inaccurate information, I have suffered significant financial and personal damages. These include : Denial of credit applications Increased interest rates on loans and credit cards Reputational harm in financial and professional settings Emotional XXXX  and XXXX  caused by prolonged and unresolved credit issues These consequences are unjust, especially considering that I have made every good faith effort to resolve the matter through proper channels. failure to take appropriate corrective action has directly impaired my ability to secure fair and affordable credit, and it is negatively affecting my financial stability and opportunities.

I am requesting immediate action to fully investigate and correct the errors on my credit report, including the removal of all unverifiable or inaccurate accounts. If this continues to neglect its legal obligations under the FCRA, I am prepared to escalate this matter by filing a complaint with the Federal Trade Commission ( FTC ) and pursuing legal remedies to recover damages.

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 2025-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against the credit reporting agencies for allowing the reporting of unauthorized and inaccurate hard inquiries on my credit report in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq.

I did not authorize or initiate the following hard inquiries. These inquiries have negatively impacted my credit score, and I was not provided with proper notice or a permissible purpose was not established as required by federal law. 
Disputed Inquiries : 1. XXXX  Date : XX/XX/year>2023 Issue : I did not authorize this company to access my credit file. I never applied for credit with this entity, nor did I give any form of written or verbal consent.

Legal Violation : FCRA 604 ( a ) ( 3 ) A consumer reporting agency may furnish a consumer report only under specific permissible purposes, none of which apply here.

FCRA 604 ( c ) ( 1 ) ( A ) Prescribes express written consent before a hard inquiry can be conducted.

FCRA 616 & 617 Civil liability for willful or negligent noncompliance with FCRA. 
2. XXXX XXXX XXXX  Date : Not Specified Issue : I never authorized a credit inquiry by this company and did not apply for any credit products from them. This constitutes an impermissible access to my credit file.

Legal Violation : FCRA 604 ( a ) ( 3 ) No permissible purpose applies to this inquiry.

FCRA 609 ( a ) ( 1 ) I have the right to know who accessed my credit report and for what purpose.

FCRA 610 & 611 Right to dispute inaccurate or unauthorized items on my credit report.

Harm Caused : Due to these unauthorized inquiries, my credit score has been negatively affected. I was not informed of these actions and did not give proper authorization. These constitute a clear violation of the protections granted under the FCRA. Such activity creates both emotional distress and financial damage, especially when decisions such as loan approvals and interest rates are impacted.

Resolution Requested : I am requesting that the Consumer Financial Protection Bureau investigate this matter immediately. I am also asking the credit reporting agencies ( Experian, Equifax, and TransUnion ) to : 1. Remove these unauthorized inquiries from my credit report immediately.

2. Provide written documentation showing who initiated these inquiries and proof of my consent, if any.

3. Take enforcement action against the data furnishers and CRAs for violation of the FCRA.

Declaration : I affirm that the information above is true to the best of my knowledge. I am exercising my rights as a consumer under the FCRA to ensure that my credit report is accurate, fair, and only accessed with my full knowledge and consent.

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 2025-06-12 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: TX

Complaint narrative:
I am avictim of identity theft. I went to a local Court in XXXX XXXX, Texas and received an Order Declaring ( XXXX XXXX XXXX, XXXX, ) A Victim of Identity Theft. A specific company, XXXX XXXX is referenced in the Order from the XXXX as being identity theft. This requires EQUIFAX to remove the fraudulent item from my credit report. 

XXXX  and XXXX  have done so. On XX/XX/scrub> 2025 and prior, Equifax received the dispute, Court Order and a Federal Trade Commission Identity Theft Affidavit. Equifax did NOT remove the fradulent item. The company, XXXX XXXX has now engaged in overt fraud as they are reporting to Equifax the account was opened on XX/XX/year>2025 and the last payment was XXXX of 2025. This is obvious fraud. I have never had an accoiunt with XXXX XXXX and XXXX XXXX is violating the FCRA by fraudulently back dating items. 

Bottom Line : I have a COURT ORDER demanding the REMOVAL of XXXX XXXX from my personal credit report. EQUIFAX REFUSES TO DELETE THE ITEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: TN

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. I recently learned that my personal information was compromised in the EXPERIAN data breach, and since then, Ive discovered fraudulent accounts on my credit report that I did not authorize or open.

This situation has been incredibly distressing, and I am requesting your immediate assistance in resolving this matter. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting the prompt removal of all fraudulent accounts associated with this identity theft from my credit file.

The law clearly states that once a credit reporting agency receives appropriate notice that information resulted from identity theft, it must block and remove that information within XXXX ( XXXX ) business days. 

I trust that your agency will act in compliance with federal law and ensure these inaccurate and harmful items are removed promptly to prevent any further damage to my credit standing.

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 2025-06-12 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-12 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: AR

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Several companies have made unauthorized inquiries into my credit report, directly XXXX my credit and score. Despite prior assurances from your representative that these inquiries would be removed, they remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries raises serious concerns of identity theft and is causing ongoing XXXX XXXX XXXX XXXX  I demand an immediate investigation and the swift removal of all unauthorized inquiries to restore the accuracy and integrity of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The credit report companies continue to fail to meet their obligations to investigate my complaint on XXXX XXXX XXXX listed below so now I need it escalated to those reporting these accounts like TransUnion and equifax. 

COMPLAINT Explanation ( Legal Basis for Dispute ) : I dispute the validity of this debt on multiple legal grounds. First, any agreement allegedly signed was done under duress, which under contract law renders it void or voidable. A contract entered into under coercion, pressure, or without free will is not legally binding ( see Restatement ( Second ) of Contracts 175 ; Totem Marine Tug & Barge , Inc. v. Alyeska Pipeline Service Co., 584 P.2d 15 ( Alaska 1978 ) ). Second, there was no clear disclosure of the amount to be charged prior to services, violating the requirement for informed consent and transparency in billing. This lack of disclosure constitutes a deceptive practice and may violate state consumer protection statutes such as the Truth in Lending Act ( TILA ) or relevant Health Care Fair Billing Acts, depending on jurisdiction. A contract lacking mutual assent on price is unenforceable. Third, I never entered into any agreement or business with XXXX XXXX XXXX, and therefore I do not owe them any debt. There is no privity of contract between me and XXXX, and under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., it is unlawful for a debt collector to attempt to collect a debt that is not owed. Attempting to enforce a void or fraudulent debt constitutes a violation under 1692e ( false representation ) and 1692f ( unfair practices ). Finally, since the original provider was XXXX XXXX, and I dispute the legitimacy and amount of any alleged obligation to them, any assignment or sale of the supposed debt to XXXX does not cure these foundational defects. I demand immediate cessation of all collection activity and removal of this account from any and all reports under my name.

Company response to consumer: Closed with explanation