vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life.

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

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 2025-08-01 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: LA

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 XXXX  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 explanation
Consumer complaint received 2025-08-01 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: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
I was in court litigation over a residential property I purchased with the sellers selling me a lemon and we settled at court litigation on XX/XX/year> and it was court ordered the sellers purchase the house back. In that time frame I was not under obligation to make payments on the mortgage, I did make payments in good faith because I was told this would be corrected on my credit report once it was finalized. The late payments they came are from XXXX and XX/XX/year>. I have provided information from my attorney and the court document I was given at court on XX/XX/XXXX. I was told multiple times by multiple employees from Cross Country Mortgage that These errors for XXXX and XXXX have been corrected, please give it 30 days to report to the credit bureaus when I call the credit bureaus ( XXXX XXXX XXXX ) they claim Cross Country has never sent them anything or updated my credit information. I have been calling and dealing with this since the end of XX/XX/year>. I spoke with XXXX XXXX and XXXX XXXX at Cross Country Mortgage who are supervisors and they stated These issues should have been corrected by now and told me to resubmit disputes. I have resubmitted disputes and it has not gotten resolved. You can check my history, I have never missed any payments on anything Ive owed and this hurts not only myself but impacts my family. Thank you for your time and patience with helping get this resolved. If you need other information let me know!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
Both dealership and Credit acceptance company did not help when I contacted them. I have document from Maryland safely inspection station.

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 2025-08-01 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: SC

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 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 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 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 XXXXXX/XX/XXXX, Balance : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX  - Account not mine XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Account not mine XXXX XXXX XXXX XXXX - Account not mine XXXX XXXX XXXX XXXX XXXXXXXX - Account not mine XXXXXXXX XXXX XXXX XXXX XXXX - Account not mine XXXXXXXX XXXX XXXXXXXX - Account not mine

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 2025-08-01 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: LA

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF DEFENSE 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 2025-08-01 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: CA

Complaint narrative:
This record of late payment is not in line with my past behavior. I ask that you investigate and remove it accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I was the victim of identity theft in XX/XX/year>. My SIM card was fraudulently transferred to an eSIM ( carrier : XXXX XXXX ) and this resulted in the identity thief using my cell phone number as 2FA to access all of my personal and financial accounts, including a high yield account savings account with Marcus by Goldman Sachs. {$2700.00} was fraudulently withdrawn from this account between XXXX XXXX XXXX including withdrawals to XXXX and XXXX XXXX  . Despite promptly reporting the issue and fully cooperating with all requests, Marcus has repeatedly mismanaged the dispute process and almost 5 months later, these stolen funds have still not been returned.

Over this time period, Ive spoken to numerous representatives ( spending over 30 hours on the phone ), been given inconsistent instructions, and have had to re-submit documentation multiple times. Goldman Sachs repeatedly changed their requirements-from requesting a simple signed affidavit that the funds were fraudulently withdrawn to later requesting a police report and, eventually, an FTC Identity Theft Report ( neither of these documents were requested until late XX/XX/year> ). I returned all requested documents quickly, often via overnight mail, and received confirmation of receipt.

My initial claim filed in XX/XX/year> was denied with minimal explanation. I was then told to refile, which took more snail mail paperwork and time on the phone. I was extremely upset with Goldman Sachs at this point and stated to a representative that I would be transferring my remaining account balance ( {$5100.00} ) to my XXXX XXXX  account on XX/XX/year>. I was blocked from transferring the remaining funds in my account due to suspicious activity ( even though I alerted Goldman Sachs of exactly what I was doing ) and it took until XX/XX/XXXX for my account to be unlocked and the funds transferred. Barring a customer access to their own funds is an egregious violation of banking principles.

I am requesting immediate reimbursement of the {$2700.00} stolen from my account in XX/XX/year> and a formal review into how Goldman Sachs has mishandled this case. I have fulfilled every requirement, submitted both a police report and FTC affidavit, and made every effort to resolve this directly. I also submitted a complaint to the OCC about this matter on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
The Negative Collection named XXXX XXXX XXXX was removed from my XXXX  report but it was not removed from my Transunion can you guys please make sure its removed from all XXXX credit bureaus and not just 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: GA

Complaint narrative:
Today I received a phone call from the State Collection Service , Inc attempting to collect a debt from me that I don't. Currently, I have full medical coverage through my employer and should not be in any debt collection. My medical insurance has covered my previous medical expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding the mishandling of my IKEA credit account and the lack of resolution despite multiple calls and open tickets. 

I have been an IKEA customer since XXXX. In XX/XX/XXXX, I received a call offering to divide a {$300.00} payment into three installments as a customer benefit. I was informed that I needed to pre-schedule the payments, which I did. However, after that call, my promotional plan was removed without my consent. 

As a result, I was charged approximately {$800.00} instead of the agreed amount, with additional fees applied. Soon af

ter, I began receiving collection calls regarding this account. Since then, I have contacted both IKEA and Comenity Capital Bank
numerous times. Each party keeps redirecting me to the other. I currently have four open support tickets and have yet to receive a call back or any resolution. 

I am extremely disappointed with how this matter has been handled, especially as a loyal long-term customer. I am requesting : 1. Immediate review of my account and reversal of the improper fees. 
XXXX. Restoration of the original promotional terms offered in XX/XX/XXXX. 
XXXX. Written confirmation of the resolution. 

Please treat this matter as urgent. If I do not receive a satisfactory resolution within 14 days, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant consumer protection agencies. 

I look forward to your prompt response. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-01 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: MD

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 2025-08-01 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: DISCOVER BANK
State: IL

Complaint narrative:
I just received a call from a gentleman stating that he was calling from your agency. He indicated that there were some unauthorized uses of my social security number evidenced by other parties attempting to open accounts with that information. He also informed me of bank violations which allowed my information to become public record, leading to compromise of my information. He informed me of a Fair Credit Reporting Act that stated that as a senior ( XXXX old ) that I have been overcharged through interests rates exceeding 7 %, stating that they would link me with a company XXXX XXXX XXXXXXXX XXXX which would close 6 accounts, reduce my balance by 40-50 % and arrange for me to pay the remaining balances at XXXX percent. Is there truth to this Fair Credit Reporting Act and the overcharging through an average interest rate of 26 %? If so, is it recommended that I go through an agency to assist with this process? Was this a legitimate call?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am writing to formally dispute the collection account that Credit Collect is reporting to the credit bureaus regarding an alleged debt. Upon recently reviewing my credit reports for the intention of purchasing a home, I was shocked to find this collection listed. I have no knowledge or record of ever holding an account with this company, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the XXXX notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
I have previously disputed XXXX, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-08-01 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: SC

Complaint narrative:
I have previously disputed XXXX, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-08-01 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: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-08-01 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: LA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am reporting inter-agency fraud, I have called into all three agencies to have the multiple addressed removed from my account XXXX times. They say it has been done but when I follow up the correction has been changed to the wrong address again. Also my score keeps decreasing. Someone is coming in behind my request and changing the corrections that I have requested to be made. There are XXXX bankruptcy accounts on my credit report XXXX of them have XXXX balance and XXXX of them fed loan is no longer the account holder XXXX XXXX is and it has a XXXX balance. 
All of the student loans due dates & balances are inaccurate and I would like for them to be removed from my credit report.in accordance with the FRCA ( s ) 611, USC ( s ) 1681i

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