vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: TX

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 2025-12-26 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: FL

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 2025-12-26 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: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: AR

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

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 2025-12-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Research Inc
State: NY

Complaint narrative:
CRI XXXX. XXXX XXXX XXXX, XXXX XXXX : I was contacted from my retirement investment firm that my credit report drastically dropped in points and that I should run an immediate check on it. I ran the report and found that XXXX  had listed my name as a person that was in over {$22000.00} debt due to a back owed payments of over $ XXXX per month to repay a college loan. I contacted them and they asked me over the phone my name address and email to confirm who I was and my SS # and said that I was in the arrears of my parent loan with my oldest daughter but I explained to them that we had a loan with another company and she was all caught up with her payment schedule and that she makes the payments herself. The woman on the phone said that's not what we have in the records and that she was going to email me a form to set up an immediate account with them to make payment or that she could take credit card info by phone that very minute to secure payment, I said " this sounds like a scam and you need to correct our records before I report you the the XXXX  ''. I did send XXXX  a complaint but this company did not respond to them and instead is now sending me threatening emails to my email address and sending my youngest in my household letters to have him contact them to set up an account with them. CRI is indeed attempting to collect a debt that is not real and they will not provide what I asked for which is a signed loan agreement with the company to show that I ever agreed to a school loan with them which I do never did. They also have taken my personal information and now have used this course to continually hound me for a debt which is not mine, and ruin my credit report. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: AR

Complaint narrative:
I am submitting this complaint regarding multiple errors, outdated information, and unauthorized inquiries on my credit reports maintained by Experian, Equifax, and TransUnion. My reports contain numerous inaccurate addresses, including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 1906 XXXX State XXXX, and XXXX XXXX, XXXX XXXX, AR, many of which are duplicates, partially incorrect, or obsolete, violating FCRA XXXX ( a ) and XXXX ( b ). Additionally, there are charge-offs from XXXX XXXX accounts ( XXXXXXXX XXXX XXXX XXXX XXXX  {$3500.00}, XXXXXXXX XXXX XXXX XXXX {$3200.00}, XXXXXXXX XXXX XXXX XXXX  {$3400.00} ) that XXXX be inaccurately reported regarding balances and dates of first delinquency, violating FCRA 605 ( c ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) and FDCPA 807809, as I have not received proper debt validation. My report also contains a collection account from RentRecoverySolutions, originally Rosewood Apartments, with a balance of {$840.00}, which XXXX be inaccurate or unverified, and numerous hard inquiries, including XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, TD Auto Finance, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Ally Financial, XXXX XXXX, and others spanning XXXX, many of which were unauthorized or remain beyond the permissible reporting period under FCRA 604 ( a ), 605 ( a ), 611. These errors have caused or XXXX cause damage to my XXXX XXXX, misrepresentation of my creditworthiness, and potential financial harm, and I am requesting a thorough investigation and correction of all inaccurate, obsolete, or unauthorized items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: AR

Complaint narrative:
I am submitting this complaint regarding multiple errors, outdated information, and unauthorized inquiries on my credit reports maintained by Experian, Equifax, and TransUnion. My reports contain numerous inaccurate addresses, including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 1906 XXXX State XXXX, and XXXX XXXX, XXXX XXXX, AR, many of which are duplicates, partially incorrect, or obsolete, violating FCRA XXXX ( a ) and XXXX ( b ). Additionally, there are charge-offs from XXXX XXXX accounts ( XXXXXXXX XXXX XXXX XXXX XXXX  {$3500.00}, XXXXXXXX XXXX XXXX XXXX {$3200.00}, XXXXXXXX XXXX XXXX XXXX  {$3400.00} ) that XXXX be inaccurately reported regarding balances and dates of first delinquency, violating FCRA 605 ( c ), 611, 623 ( a ) ( 1 ) ( A ), 623 ( a ) ( 5 ) and FDCPA 807809, as I have not received proper debt validation. My report also contains a collection account from RentRecoverySolutions, originally Rosewood Apartments, with a balance of {$840.00}, which XXXX be inaccurate or unverified, and numerous hard inquiries, including XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, TD Auto Finance, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Ally Financial, XXXX XXXX, and others spanning XXXX, many of which were unauthorized or remain beyond the permissible reporting period under FCRA 604 ( a ), 605 ( a ), 611. These errors have caused or XXXX cause damage to my XXXX XXXX, misrepresentation of my creditworthiness, and potential financial harm, and I am requesting a thorough investigation and correction of all inaccurate, obsolete, or unauthorized items.

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 2025-12-26 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Please see attachment Also please read I am submitting this formal complaint regarding inaccurate, unverifiable, and improperly reported information appearing on my consumer credit reports with Equifax, Experian, and TransUnion. Despite maintaining accounts that are currently paid, settled, or otherwise in good standing, my credit reports continue to reflect unauthorized hard inquiries, inaccurate late payment notations, and account statuses that do not meet the accuracy and fairness standards required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ), 1681b, and 1681s-2.

Hard Inquiries- My credit reports list multiple hard inquiries that I did not authorize, that lack permissible purpose, or that can not be properly validated under 15 U.S.C. 1681b. These inquiries are negatively impacting my creditworthiness and remain despite disputes. I am requesting that all unverifiable or unauthorized hard inquiries be permanently removed from my credit reports. 

Late Payments - Several accounts reflect late payment histories that are inaccurate, misleading, or incomplete. Some accounts are currently paid as agreed, closed with XXXX balance, or otherwise resolved, yet continue to report derogatory payment history. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are required to report information with maximum possible accuracy. Reporting late payments without complete documentation or where payments were made, deferred, or otherwise resolved is a violation of this requirement.

I am requesting the removal of inaccurate late payment entries and correction of any accounts that should reflect paid as agreed or current status. Account Status Corrections Certain accounts remain reported in a negative or misleading manner despite being : Paid Settled Closed in good standing Not delinquent Under 15 U.S.C. 1681 ( c ) ( 2 ) and 1681e ( b ), continued reporting of outdated or misleading account statuses is not permissible.

I am requesting that all applicable accounts be updated to accurately reflect good standing, paid as agreed, or removed where unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: MS

Complaint narrative:
Please see attachment Also please read I am submitting this formal complaint regarding inaccurate, unverifiable, and improperly reported information appearing on my consumer credit reports with Equifax, Experian, and TransUnion. Despite maintaining accounts that are currently paid, settled, or otherwise in good standing, my credit reports continue to reflect unauthorized hard inquiries, inaccurate late payment notations, and account statuses that do not meet the accuracy and fairness standards required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 ( a ), 1681b, and 1681s-2.

Hard Inquiries- My credit reports list multiple hard inquiries that I did not authorize, that lack permissible purpose, or that can not be properly validated under 15 U.S.C. 1681b. These inquiries are negatively impacting my creditworthiness and remain despite disputes. I am requesting that all unverifiable or unauthorized hard inquiries be permanently removed from my credit reports. 

Late Payments - Several accounts reflect late payment histories that are inaccurate, misleading, or incomplete. Some accounts are currently paid as agreed, closed with XXXX balance, or otherwise resolved, yet continue to report derogatory payment history. Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are required to report information with maximum possible accuracy. Reporting late payments without complete documentation or where payments were made, deferred, or otherwise resolved is a violation of this requirement.

I am requesting the removal of inaccurate late payment entries and correction of any accounts that should reflect paid as agreed or current status. Account Status Corrections Certain accounts remain reported in a negative or misleading manner despite being : Paid Settled Closed in good standing Not delinquent Under 15 U.S.C. 1681 ( c ) ( 2 ) and 1681e ( b ), continued reporting of outdated or misleading account statuses is not permissible.

I am requesting that all applicable accounts be updated to accurately reflect good standing, paid as agreed, or removed where unverifiable.

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: OFG BANCORP
State: PR

Complaint narrative:
Oriental for the last 3 month has bien charging me overdraft fee for a transaccin i didnt autorize the overdraft fee XXXX  is XXXX XXXX  daily this is insane by the time my social security XXXX XXXX XXXX XXXX they charge me its XXXX XXXX  i dispute a claim for XXXX XXXX  advance loan which i never autorize and XXXX  and no credit issue XXXX XXXX does not make transaccin in the state of XXXX XXXX please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NY

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 2025-12-26 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: AR

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

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 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, I purchased a motorcycle helmet from XXXX XXXX  for {$690.00} using my Apple Card issued by Goldman Sachs Bank USA. Immediately upon receipt, I discovered the helmet was defective : the visor locking mechanism would not stay secured, and the screws on the visor/latch assembly were visibly stripped. I documented the defect with photographs and video and contacted the merchant promptly, providing this evidence and stating that the helmet was unsafe and unusable. 

After initially failing to respond, the merchant later acknowledged the defect and issued a return shipping label. I returned the helmet using that label. XXXX delivery confirmation shows the helmet was delivered to the merchant on XX/XX/year> and signed for by their facility. 

Despite receipt of the returned defective merchandise, the merchant refused to issue a refund. Due to the lack of resolution, I opened a billing dispute with Goldman Sachs under the Fair Credit Billing Act for defective merchandise that was returned. 

Throughout the dispute process, I submitted extensive evidence including proof of defect, proof of return, delivery confirmation, and full email correspondence with the merchant. The merchant provided contradictory statements to the bank, at times claiming the return was not received and later claiming the helmet was damaged or used, despite the defect being the reason for the return and having been documented before shipment. 

Goldman Sachs repeatedly reversed provisional credits and ultimately denied the dispute, stating there was no evidence, despite acknowledging receipt of my documentation. Multiple representatives and supervisors reviewed the case and expressed concern, yet the final decisions remained inconsistent with the documented facts. At present, the merchant retains both the returned helmet and my payment, while Goldman Sachs continues to bill me for the charge.

I believe Goldman Sachs failed to properly investigate and credit this dispute as required under the Fair Credit Billing Act, failed to meaningfully review the evidence provided, and allowed merchant misrepresentation to prevail. I am requesting regulatory review of Goldman Sachs dispute handling and enforcement of my consumer protection rights.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-26 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:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal. I am a single mother who deserves to succeed in life but can't due to poor credit because of these things affecting my credit.

Company response to consumer: Closed with explanation