vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-23 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on XXXXmy consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 
Y These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company 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 2025-05-23 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: First Credit Services Inc.
State: GA

Complaint narrative:
I noticed that First Credit Service is reporting a debt of {$220.00} on my credit report. I do no recognize this debt, and I have not received any communication or explanation from this company. I have never opened an account with them and have no Knowledge of owing this amount. reported in error or may have been reported in error or may belong to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-23 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: VA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had initially opened up a bank account with US bank, which was open and verified shortly after I made my first deposit and was told to wait two weeks for the funds to be cleared and verified because of how new my account was and I agreed and waited the two weeks which Wouldve been 14 days business days. On that 14 day, my funds were cleared and available in my account that same day I had to pay my bills so I XXXX money out of my account and the U.S. Bank immediately blocked my account due to suspicious activity they claimed. I called in and attempted to speak with a representative. The representative asked me questions to verify my account and I did I believe one of the questions was when I opened the account before I even had a chance to answer the question the representative went ahead and said oh just make your way to one of the branches with your ID so you can verify who you are. I kindly replied to the representative that I have a very perplexing job, which requires me to be out in the XXXX XXXX for 3 to 6 months at a time, which is why I made the deposit before docking for my job. I explained also that I would not be able to do that anytime soon due to the nature of my job. I also informed the representative that they told me this at the time of the deposit I couldve made that arrangement. However, no representative informed me that my account needed me personally inside a branch to verify my account.30 days later they closed my account they sent me a notice in the mail stating that they were closing my account out in 14 business days so that I would be receiving a check for the remaining balance. 14 days pass. I contact the bank again. They act as if they dont know what Im talking about. Then my local branch reached out and they said that the funds were being withheld at their branch and to come inside. I want to know why my funds were withdrawn from the account and placed withheld at a local branch and not returned to me The customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: FL

Complaint narrative:
XXXX XXXX XXXXXXXX REPEATEDLY REFUSES TO PROPERLY REPORT MY PAID ON TIME PAYMENTS TO ALL THREE CREDIT BUREAUS, in particular equifax. 
XXXX XXXX stopped reporting to equifax back in XXXX and REFUSES TO properly report my on time history of payments to all three bureaus in a timely manner. i have emailed and called this silly government card multiple times but they refuse to answer me and take action, I DEPEND ON THIS CREDIT CARD TO BUILD CREDIT and show creditors i've made EVERY SINGLE payment on time since opening this card opening in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Mandarich Law Group, LLP
State: GA

Complaint narrative:
Dear Mandrich Law Group I am writing this letter in response to the phone call/letter received from you on XX/XX/year>. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 

Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: CT

Complaint narrative:
Because of a data breach that compromised my personal information, fraudulent accounts have been placed on my credit report. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$67000.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I opened my account with DCU bank last month XX/XX/year> and had funds transferred to open account. I tried to access my funds by transferring to my same external account to pay my credit card. The transfer was cancelled by DCU bank. When I reached out to the bank I was told my account was suspended and transfer cancelled due to suspicious activity or fraudulent activity. I was given a list of questions that I answered correctly. When I asked how will I gain access to my funds I was told after investigation is complete a check will be mailed. I also had my payroll check deposited. I have no access and can not access my account. My account is locked as well.

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 2025-05-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I am submitting this complaint regarding my experince with the Apple Card, issued by Goldman Sachs, and used through Apple Pay. I believe I was misled about interest-free payment options when purchasing a lot of things and I also encountered mishandled transaction disputes.

Specifically, I was told I would receive interest-free payments on my purchase, but I was later charged so much interest over {$3000.00}. When I attempted to resolve the issue through the customer service, my concerns were dismissed, and the charges remained. I also experienced a situation where a transaction was disputed, but it was not properly investigated or credited back to me, despite submitting all required documentation. 

I am asking for full refund any of interest or charges that were wrongfully applied, and the CFPB to hold Apple and Goldman Sachs accountable for misleading and mishandling customer accounts.

My Apple email is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA 605B ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within four ( 4 ) business days of your receipt of this request.

The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report.

I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them.

These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft.

To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 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 was placed on a forbearance plan scheduled to last six months. When my area was declared a disaster zone, I contacted XXXX and was informed that no further action was required on my part to maintain the forbearance status. 

In XXXX, I discovered that my credit score had dropped by approximately XXXX points. Upon contacting XXXX, they acknowledged the issue and updated my account status. However, despite this correction, the reported late payments were not removed from my credit report. 

These late payments appear to have been reported in error, given the forbearance status and the information I received from XXXX at the time of the disaster declaration. XXXX corrected the payment issue however did not report to Credit Bureaus. I am requesting that all inaccurately reported late payments be removed from my credit report to reflect the proper forbearance terms.

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 2025-05-23 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: NV

Complaint narrative:
These entries remain unverified XXXX questionable. Despite multiple attempts XXXX  have these inaccuracies properly investigated XXXX  resolved, no meaningful action has been taken. I have submitted all required documentation XXXX followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship XXXX has significantly affected my well-being. The mental XXXX emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair XXXX accurate credit report, including the removal of unverifiable or incorrect information. I urge you XXXX  take immediate steps XXXX verify XXXX  rectify these items, as failure XXXX do so constitutes a violation of my rights under federal 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 2025-05-23 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: AZ

Complaint narrative:
I am disputing a charge-off account reported by XXXX XXXX XXXX XXXX XXXX XXXX ). 

This account was the subject of a legal counterclaim, which was dismissed due to XXXX failure to provide full disclosure regarding the debt, including whether it had been sold, and their failure to validate the debt as required under federal and state law. Additionally, the debt was dishonored by instrument, and the matter was resolved and satisfied through a court proceeding under Arizona Revised Statutes Title 47, Article 3 Negotiable Instruments ( A.R.S. 47-3111, Accord and Satisfaction by Instrument ). 

The court ruled in my favor, acknowledging the satisfaction of the debt under accord and satisfaction. Per the terms of the original cardmember agreement, which allows for resolution through the use of a negotiable instrument, the debt was legally settled and no longer owed. 

However, XXXX continues to inaccurately report this account as a charge-off with a balance, which is inconsistent with the courts judgment and violates my rights under the Fair Credit Reporting Act ( FCRA ). 

The credit report should reflect : {$0.00} balance Status : Paid in Full / Settled OR The account should be removed entirely due to inaccurate and unverifiable reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-23 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: AZ

Complaint narrative:
I am disputing a charge-off account reported by XXXX XXXX XXXX XXXX XXXX XXXX ). 

This account was the subject of a legal counterclaim, which was dismissed due to XXXX failure to provide full disclosure regarding the debt, including whether it had been sold, and their failure to validate the debt as required under federal and state law. Additionally, the debt was dishonored by instrument, and the matter was resolved and satisfied through a court proceeding under Arizona Revised Statutes Title 47, Article 3 Negotiable Instruments ( A.R.S. 47-3111, Accord and Satisfaction by Instrument ). 

The court ruled in my favor, acknowledging the satisfaction of the debt under accord and satisfaction. Per the terms of the original cardmember agreement, which allows for resolution through the use of a negotiable instrument, the debt was legally settled and no longer owed. 

However, XXXX continues to inaccurately report this account as a charge-off with a balance, which is inconsistent with the courts judgment and violates my rights under the Fair Credit Reporting Act ( FCRA ). 

The credit report should reflect : {$0.00} balance Status : Paid in Full / Settled OR The account should be removed entirely due to inaccurate and unverifiable reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is a formal follow-up regarding my previous dispute of multiple unauthorized hard inquiries listed on my Experian credit report. These inquiries were made without my knowledge, consent, or any permissible purpose, violating 15 U.S.C. 1681b. Experian is also in violation of 15 U.S.C. 1681e ( b ) for failing to ensure the maximum possible accuracy of this information. The disputed inquiries include : XXXX XXXX XXXX XXXX ( XX/XX/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 ), and XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ). These inquiries are harming my creditworthiness and misrepresenting my intentions. Also, please update my address. My correct and only address is : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Please write it exactly this way. Make sure XXXX XXXX number is correct : not " XXXX '', not " XXXX '', and not " XXXX '' by itself. I demand deletion of all false inquiries and incorrect addresses, and written confirmation of a full reinvestigation.

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