vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
THIS FRAUD ACCOUNT ENDING IN XXXX WAS SUPPOSED TO BE DELETED OFF OF MY CREDIT FILE WHICH WAS TOLD TO ME BY XXXX XXXX WHO IS IN THE XXXX TEAM ON XXXX! THIS ACCOUNT WAS UPDATED AND ADDED BACK TO MY EXPERIAN CREDIT FILE ON XXXX AND ON XXXX! THE ACCOUNT WAS NOT SUPPOSED TO BE UPDATED IT WAS SUPPOSED TO BE DELETED! XXXX XXXX SAID THAT THE XXXX TEAM WAS NOT MAKING ME LIABLE FOR THIS ACCOUNT AND THIS ACCOUNT WAS GOING TO BE TAKEN OUT OF MY NAME ON XXXX! I GOT A NOTIFICATION ON TODAY XXXX THAT THE ACCT WAS ADDED BACK AND UPDATED TO MY EXPERIAN CREDIT FILE! I CALLED APPLE CARD AND THEY SAID THE ACCT IS STILL IN MY NAME AND THIS FRAUD ACCT STATEMENT CLOSE ON THE LAST DAY OF THE MONTH! THAT IS THE REASON WHY IT WAS ADDED BACK TO MY EXPERIANN CREDIT FILE! SOMEONE IN THE CREDIT REPORTING XXXX AT GOLDMAN SACHS IS STILL DELIBERATELY REPORTING THIS ACCT TO MY CREDIT FILE ON PURPOSE! THIS ACCT WAS REPORTED BACK TO MY EXPERIAN CREDIT FILE TWICE SINCE THEY WHERE SUPPOSED TO HAVE IT DELETED ON XXXX! I AM UPLOADING MY EXPERIAN CREDIT REPORT THAT IS DATED FOR XXXX WHICH SHOW THAT THIS ACCT WAS ADDED BACK TO MY CREDIT FILE ON TODAY! I FILED A BBB COMPLAINT AND APPLE CARD GOLDMAN SACHS STATED IN THEIR RESPONSE ON XXXX THAT As a courtesy, the Bank has removed the tradeline for the Customer. The Bank submitted a request to have the tradeline removed from the Customers credit profile on XX/XX/year>. The Customer should allow up to 30 days for the change to reflect on the Customers credit profile. The Customer is not responsible for the account or the balance. The Bank contacted the Customer on XX/XX/year>, to advise of the Banks decision. IF THAT IS THE CASE WHY AND WHO HAD THIS SAME FRAUD ACCOUNT UPDATED AND ADDED BACK TO MY EXPERIAN CREDIT FILE ON TODAY? ON THE CREDIT REPORT THAT I AM ATTACHING YOU CAN SEE THAT THE ACCOUNT SHOW THAT IT WAS ADDED ON XXXX! I AM ALSO UPLOADING THE EMAIL FROM EXPERIAN THAT THEY ARE UNBLOCKING THIS FRAUD ACCT DUE TO APPLE CARD SENDING THEM DOCUMENTS TO HAVE THIS ACCT REINSERTED BACK ON MY CREDIT FILE TODAY! SO THEY ADDED THE ACCOUNT BACK TO MY CREDIT FILE SINCE APPLE CARD REQUESTED FOR IT TO BE ADDED BACK! I AM SUING APPLE CARD TODAY AND PUTTING THIS COMPANY IN LITIGATION!!!!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a check from XXXX from my other account on XX/XX/XXXX for {$24000.00} ; they put a 3-day hold on it. It is now a week later and they still have another week hold on it and said my funds wont be available until XX/XX/XXXX. 
This was from my other account and XXXX already released the funds to BMO. The check was good, and funds were released by XXXX immediately. 
They will not reverse the check and they said they can not release the funds any quicker. 
so my money is just being held ransom for no reason

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-31 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: LA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-07-31 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: NY

Complaint narrative:
XX/XX/XXXX : {$1500.00} withdrawn from my checking account to freedom mortgage company. This was to be applied to my second payment for XXXX. It is not XX/XX/XXXX, and I am just being told ( after investigating late fees ) that the payment was misapplied to my principal. The representatives at XXXX are telling me they can not do anything about the misapplied payment due to the XXXX of XXXX being filed and completed. The second representative I spoke to, XXXX, confirmed that Freedom Mortgage never sent us a notification of this error. I have been having my call escalated to managers, who I am being told by XXXX, will just tell me the same thing ( nothing can be done ). Although this error is on the mortgage company, they are expecting me to pay them the lapse. They have waived late fees, but I am not in the financial position to pay this when I have already done so, in XXXX of XXXX. I even told the representative, XXXX, that I had no problem paying the late fees, but they waived them anyways as a way to get out of this, I assume. Through my research, I understand that a XXXX being filed is not a valid excuse for them to tell me nothing can be done, especially if they never notified me of the error.

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 2025-07-31 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: IN

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 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 2025-07-31 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: IN

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 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 2025-07-31 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: AZ

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-07-31 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: LA

Complaint narrative:
This record of late payments is erroneous and does not accurately reflect my regular payment patterns. I have consistently made my payments on time, and I ask that it be deleted to guarantee that my account is reflecting correct information.

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 2025-07-31 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: SC

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my Equifax credit report. The account listed below has been previously disputed, and Equifax responded by stating it was " verified. '' However, no documentation or method of verification has been provided to support this determination : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verified with no supporting documents provided Under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 7 ), I have the legal right to request : - A detailed description of the method used to verify this account - The name, address, and phone number of the party who verified the information - Copies of any documentation used to verify the accuracy of this account I respectfully request this information be sent to me within 15 days. If the information can not be verified with supporting documentation, I am requesting that the account be deleted from my credit report immediately in accordance with FCRA requirements.

Please consider this letter as a formal request and reinvestigation demand. I have attached a copy of my ID and proof of address to assist with your processing of this dispute. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: SC

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute inaccurate information that appears on my Equifax credit report. The account listed below has been previously disputed, and Equifax responded by stating it was " verified. '' However, no documentation or method of verification has been provided to support this determination : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verified with no supporting documents provided Under the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 7 ), I have the legal right to request : - A detailed description of the method used to verify this account - The name, address, and phone number of the party who verified the information - Copies of any documentation used to verify the accuracy of this account I respectfully request this information be sent to me within 15 days. If the information can not be verified with supporting documentation, I am requesting that the account be deleted from my credit report immediately in accordance with FCRA requirements.

Please consider this letter as a formal request and reinvestigation demand. I have attached a copy of my ID and proof of address to assist with your processing of this dispute. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Bondage Final Rule XXXX ( b ) ( XXXX ) - ( XXXX ) -- -- -- XXXX ( b ) ( XXXX ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-07-31 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-31 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 was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: TX

Complaint narrative:
I demand the correction of this late payment entry, as it misrepresents my payment consistency. I have maintained a good payment track record, and this inaccurate report must be removed from my account.

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 2025-07-31 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$540.00} INQUIRIES : XXXXXXXX XXXX XXXX. Date : 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 explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
My PayPal account was permanently limited due to a violation of their terms. I accepted the limitation, but PayPal clearly informed me in writing that I would be able to withdraw the funds in my account after a XXXX holding period. 

That XXXX period has now passed, and I have {$4000.00} in my PayPal balance XXXX However, PayPal is now refusing to release the money, saying that the prior statement was made in error and I will not be allowed to withdraw the funds at all. 

This is unacceptable and misleading. I waited in good faith based on what PayPal told me. There has been no valid explanation for this reversal and no reference to any specific violation that justifies permanently holding the money. I believe PayPal is violating its own terms and unfairly withholding funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: FL

Complaint narrative:
I am submitting this complaint to the CFPB and notifying the XXXX credit bureaus ( Experian, XXXX XXXX XXXX regarding improper and harmful credit reporting by XXXX XXXX Bank XXXX XXXX ( XXXX ) that is directly impacting my ability to operate and fund my XXXX-certified businesses XXXX 

XXXX. XXXX XXXX of Foreclosure and XXXX XXXX reported my mortgage as Foreclosure proceedings started, {$63000.00} past due as of XX/XX/XXXX. 

This is false and misleading, because : XXXX attempted foreclosure in XX/XX/XXXX ( Case filing attached ). 

The court determined XXXX did not have enough evidence to foreclose. 

XXXX is now re-aging the account and claiming foreclosure started XX/XX/XXXX, which is inaccurate and deceptive. 

XXXX. Failure to Honor FCRA Dispute Requirements I previously disputed these tradelines and provided : Proof of pending and dismissed foreclosure proceedings Judges acknowledgement that XXXX lacked evidence FTC XXXX report confirmation Despite my evidence, the bureaus have : Failed to mark my account as Disputed Verified inaccurate information without proof Allowed FNBA to alter dates and statuses improperly This violates : FCRA 15 U.S.C. 1681s-2 ( furnisher duties ) FCRA 15 U.S.C. 1681i ( duty to reinvestigate disputes ) FCRA 15 U.S.C. 1681e ( b ) ( failure to ensure maximum accuracy ) XXXX. Harm and Damages The false and misleading reporting has : Blocked business funding opportunities for my XXXX XXXX XXXX loss of income and contracts Created emotional distress and reputational harm

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