vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX - XX/XX/year>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

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 2025-10-08 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:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
I am the owner and guarantor of XXXX XXXX XXXX XXXX XXXX, a nonprofit educational institution that obtained a commercial Merchant Cash Advance ( XXXX ) from XXXX XXXX XXXX XXXX XXXX  on XX/XX/year> ( Deal Ref. XXXX ). This is a business-to-business commercial debt, not a consumer debt. 

Despite being a commercial obligation, XXXX XXXX XXXX XXXX XXXX and/or a collection agency acting on their behalf has improperly or incorrectly reported this debt on my personal consumer credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ) and is causing severe damage to my personal credit score.

This commercial loan is structured for failure, with crippling repayment terms and a factor cost of {$9600.00} on a {$23000.00} advance, forcing us into disputes regarding the predatory nature of the terms. The resulting negative marks on my personal credit file are a result of this predatory and disputed business debt. 

The information being reported on my personal credit report is inaccurate because : The account is a commercial liability, not a consumer liability. 

The company has no legal basis to furnish information about a commercial XXXX on a consumer credit report. 

Resolution I am Looking For I require XXXX specific actions to resolve this credit reporting error : IMMEDIATE DELETION : XXXX XXXX XXXX XXXX XXXX must immediately and permanently delete all references to this specific commercial debt ( Deal Ref. XXXX ) from all of my personal consumer credit reports ( Equifax, Experian, and TransUnion ). 

STOP FURNISHING : The company must certify they will cease and desist from furnishing any information related to this commercial debt to my personal consumer credit file in the future.

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 2025-10-08 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: MI

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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:
This is my last hope, I have attached supporting documents.

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 2025-10-08 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:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-10-08 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: FL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: IA

Complaint narrative:
I opened an Apple Credit Card through Goldman Sachs. I had not used the card to make any purchases. On XX/XX/year> I discovered that there were several transactions that I did not authorize. I immediately contact customer service to report the charges, I was told I would not be responsible for these charges. Some of the charges were taken off of my account and I have and to resubmit disputes on several of the charges and was just notified again today that these charges are going back on my account even though I did not approve these transactions. Apple closed my account with no notice or explanation, I had never used the card before the unauthorized charges and never had a late payment. They closed my account t and I am no longer able to view or access any transaction history. I have asked several times how these are reviewed as I have not received any goods or services and did not make these purchases, I am also concerned that these charges all happened at the same time but some are reversed and others are not. Please be customer service rep was only able to provide me with a merchants phone number for XXXX of the charges. The merchant was XXXXXXXX XXXX, I called them and there was no orders under my name or address. I am also unable to have access to my account number since they closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I was able to open my first unsecured credit card through Indigo.

I tried for XXXX months to pay my bill. It kept getting reversed. I made sure the funds were available and tried XXXX different bank accounts when the first didn't work. 

I received a letter stating my account was getting closed due to possible fraud. 

When I called I was told there was nothing I could do, but I still needed to make payments. 

I told the representative I tried and why was I bring penalized for this. He said that if I make valid payments for XXXX months then they'd look at my account and possibly reopen it. 

Which I feel is ridiculous. I don't understand how that's any different than my trying to pay anyway. 

Now it's going to be a ding on my credit and I'm frustrated. 

Please help me investigate this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I received a call from Midland Credit Management ( MCM ) asking to speak to their Debtor, who is my ex-wife. When I asked about how they obtained my number, they said it was reflected on the Debtor 's account. Upon further pushing, I was told that they could not release this information to me. I asked to speak to a supervisor and was given the same answer. I asked to elevate again, and this individual told me that they obtain third party information from skip traces and public databases. I am no longer the debtor 's husband, and we have been divorced since XXXX which is of public record, so I can only assume the information that MCM is utilizing in it's debt collection is from unverified sources. 

By utilizing third party databases, contacting a third party unrelated to the debt, and disclosing the Debtors name, MCM is in violation of 15 USC 1692c 805, and in particular the following subsection : ( b ) Communication with XXXX  parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

Since I have no connection with the debtor, subsection ( b ) is violated through the XXXX call to my phone. 

By utilizing third party databases, contacting a third party unrelated to the debt, and disclosing the Debtors name, MCM is in violation of 15 USC 1692c 804 ( 1 ) and ( 2 ) : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; When I answered, MCM asked for the Debtor by name and asked to speak to them in violation of both ( 1 ) and ( 2 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 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: Experian Information Solutions Inc.
State: SC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-08 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:
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 explanation
Consumer complaint received 2025-10-08 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:
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 2025-10-08 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: MI

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: CA

Complaint narrative:
XXXX XXXX is failing in a timely manner to send me my card because they needed to verify me. I sent my verification in and theyre still saying its take XXXX hours. I have not had my XXXX medication since last month. Im out of toiletries and Im almost about to get evicted from the place I live. And XXXX a XXXX with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: NJ

Complaint narrative:
I am submitting this complaint to request a credit freeze ( security freeze ) with all XXXX major credit reporting agencies. I want to prevent any unauthorized access to my credit file and protect myself from potential identity theft or fraudulent activity. Despite my attempts to contact the credit reporting agencies, I have encountered obstacles and have not been able to successfully initiate a credit freeze. I am concerned that without this freeze, my personal credit information remains vulnerable to misuse.

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 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This is an email I sent to XXXX regarding the situation at hand : Dear XXXX  Disputes Department, I am writing formally to express my concern regarding the funds that were allegedly returned to my account on XX/XX/year>. Despite XXXX XXXX records indicating that the payment of {$500.00} was sent correctly, my bank, XXXX, has confirmed that there is no record of this refund being received on the debit card associated with my XXXX account. 

I have already provided XXXX with the Acquirer Reference Number ( XXXX : XXXX ) you shared, yet they continue to state that no such transaction has posted or is in their system. This places me in a difficult position, as Venmo insists the funds were disbursed while XXXX asserts they were never received. 

At this point, I am requesting : A full copy of the documentation used in your investigation of my claim. 
Any network-level proof of settlement or clearing records that substantiate your claim that the refund was successfully sent. 
Clear next steps on how XXXX intends to resolve this issue, given that the funds have remained missing for over a month. 

This has been an extremely frustrating experience, and I kindly request that XXXX  provide a more detailed response beyond simply directing me back to my bank. I respectfully request that concrete evidence be provided to identify the current status of my funds in the transaction process, so this issue can finally be resolved. 

Thank you for your time and support, and I look forward to your response. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX Veteran M : XXXX | XXXX : XXXX XXXX

Company response to consumer: Closed with explanation