vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: VA

Complaint narrative:
On XX/XX/year>, XXXX  publicly disclosed a data breach that compromised consumer names, Social Security numbers, and dates of birth. I was formally notified that my personal information was included among the data exposed. Due to the unauthorized release of my identifiers, I am disputing the negative accounts currently appearing on my TransUnion credit report. I do not consent to TransUnion or any data furnisher reporting, publishing, or sharing any information that is inaccurate, unverifiable, or potentially fraudulent. The accounts in question may have resulted from identity theft, misattribution, or data corruption stemming from the breach. 

Resulting Harm : These derogatory accounts have caused measurable harm to my creditworthiness and have interfered with my ability to secure financial opportunities. Because XXXX  failed to safeguard my personal information, I have reason to believe that the disputed tradelines are the product of unauthorized use, identity confusion, or other fraudulent activity directly related to the breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: CA

Complaint narrative:
Make sure to remove disputed accounts within the legally required time frame.

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 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Experian XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX I am issuing this formal complaint and dispute to Experian concerning the inaccurate and unverified reporting of the following collection accounts : XXXX XXXX Account : XXXX Reporting after failure to validate debt Bounce AI Account : XXXX Reporting after failure to validate debt Both accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I requested validation directly from the collectors, and they failed to provide proper documentation proving that I owe these debts. Under FDCPA 809 ( b ), continued reporting without validation is unlawful. 
Experian is required under FCRA 611 to conduct a reasonable investigation and remove any data that can not be proven through legally acceptable documentation. If Experian does not receive validation from the furnisher, these accounts must be deleted, not updated. 
I am demanding : XXXX. A full reinvestigation ; XXXX. The Method of Verification detailing who verified the accounts and what proof was provided ; XXXX. Permanent deletion of the accounts if the collector can not validate with original records. 
Failure to comply will result in formal regulatory complaints filed with the CFPB, FTC, and the Office of the Attorney General for non-compliance with federal law. 

Regards, 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 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I cant open an account because someone hacked my ssn and put a bad check and open all kinds of accounts in my name they got my information because I got put out of my house and they put my belongings outside and stole everything i had

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 2025-11-10 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: DE

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint because XXXX  continues to report a bankruptcy that has been proven unverifiable by its own data source, LexisNexis, which is Experians primary public records vendor. This conduct is a direct violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards, and it has caused me serious financial and emotional harm. 

On XX/XX/XXXX, LexisNexis issued a written statement confirming that it removed the bankruptcy record ( Reference # XXXX ) from its database because it could not be verified. This means the public record no longer exists at the source from which Experian originally obtained it. Despite receiving this clear proof that the data is unverifiable, Experian continues to publish the same bankruptcy entry on my credit report under Public Record U.S. Bankruptcy Court XXXX  XXXX XXXX XXXX, filed XX/XX/XXXX. 

By continuing to report this item after official deletion by LexisNexis, Experian has knowingly furnished false and misleading information in violation of several provisions of the FCRA, including but not limited to : FCRA 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information.

FCRA 1681i ( a ) : Failure to reinvestigate and delete unverifiable information after a consumer dispute.

FCRA 1681i ( a ) ( 5 ) : Duty to delete information that can not be verified.

FCRA 1681n & 1681o : Willful and negligent noncompliance with consumer protection laws. 

XXXX continued reporting of this deleted and unverifiable bankruptcy constitutes reckless and willful noncompliance. The bureau has full knowledge that the record has been removed at the source, yet it still chooses to publish it. This is not a minor error ; it is an act of deliberate misinformation that violates both federal law and the Consumer Data Industry Associations XXXX XXXX Compliance Guidelines, which require that any unverifiable or deleted public record be immediately purged from a consumers credit file. 

As a direct result of Experians actions, I have suffered : Credit denials and loss of financial opportunities Inflated interest rates due to a falsely reported bankruptcy Emotional distress and reputational damage Despite providing Experian with LexisNexiss deletion letter and written proof that verification is impossible, Experian has failed to correct my file. This is a willful violation of FCRA 623 ( a ) ( 1 ) ( A ) for furnishing information known to be inaccurate and 611 ( a ) for failing to conduct a lawful reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: RI

Complaint narrative:
I am filing this complaint regarding an inaccurate, unauthorized, and unverifiable collection account being reported by Credit Collections ( Acct XXXX  ending in XXXX ) for {$100.00}, originally from XXXX XXXX, currently appearing on my XXXX  and XXXX  credit reports. 
This account violates multiple federal laws, including FCRA 1681e ( b ), 611 / 1681i, 1681i ( a ) ( 5 ) ( A ), XXXX XXXX standards, and FCRA 604 concerning permissible purpose and written consent. 
XXXX. FCRA 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy The account is reporting incomplete and inconsistent data, including conflicting dates of assignment, delinquency, and balance updates. No itemized billing, contract, or actual documentation has been provided to prove the debt is accurate. 
XXXX. FCRA 1681i ( a ) ( 1 ) ( A ) ( FCRA 611 ) Right to a Reasonable Reinvestigation I previously disputed this account. The bureaus did not conduct a real investigation and relied on automated data matching instead of obtaining actual documents such as : - Signed contract - Itemized billing from XXXX - Proof of any valid insurance debt - Assignment agreement to Credit Collections XXXX. FCRA 1681i ( a ) ( 5 ) ( A ) Mandatory Deletion of Unverifiable Information If a furnisher can not verify an account with competent evidence, the bureaus must delete it. This account remains unverified and must be removed. 
XXXX. XXXX XXXX XXXX Violations The account violates XXXX XXXX standards through inconsistent dates, missing required fields, and reporting past-due amounts on a non-installment policy. 
XXXX. FCRA 604 No Permissible Purpose / No Written Consent I never authorized, applied, or gave written consent for XXXX  or Credit Collections to obtain, access, furnish, or report my personal information. Without written consent, there is no permissible purpose to report or obtain my data. This violates FCRA 604. 
Requested Resolution : I am requesting that the CFPB require Credit Collections and the credit bureaus to provide full validation, including : - Signed contract - Itemized billing - Proof of assignment - Proof of permissible purpose - Proof of written consent If they can not produce these documents, I request immediate and permanent deletion of this account from all credit reports. 
Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: DE

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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  XXXX credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX 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.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: WV

Complaint narrative:
XXXXBarclays Bank has charged me illegal interest on my Statement Period XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and on my Statement Period XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I called their Customer Service number and talked to their representative for over XXXX  minutes.  However, their representative kept telling me that this computer charge was accurate.  XXXXOn my Statement of XXXX XXXX my statement balance was XXXX XXXX XXXXI made the following payments based on the following:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOn my Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I made the following payments based on the following:XXXXXXXXBalanceXXXX XXXX XXXXLess amount with a promotional due date of XXXX XXXX   XXXX XXXX XXXXRemaining BalanceXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalanceXXXX XXXX XXXXOn this statement I was charged XXXX XXXXnterest on XXXX XXXX  I was XXXX  days late getting my last payment of XXXX  posted to my Barclays account. On my Statement of XXXX XXXX XXXX  my statement balance was XXXX XXXX  Barclays charged me \XXXX XXXX interest on XXXXWhile I can understand being charged XXXX XXXX  interest on XXXX for XXXX  days since this amount was posted XXXX  days late.  However, I totally disagree with being charged XXXX  on XXXX  on the XXXX statement and XXXX XXXX XXXX on my XXXX statement.'

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 2025-11-10 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: OH

Complaint narrative:
Recently, I identified that there was some incorrect information on my credit profile, Experian, Equifax, TransUnion is reporting inaccurate information concerning my credit profile, 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 2025-11-10 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: IL

Complaint narrative:
I am requesting that Experian reinvestigate the following information on my credit file. If the information can not be fully verified, I request that it be corrected or removed according to the Fair Credit Reporting Act ( FCRA ). 

XXXX  ACCOUNTS ( EX ) XXXX XXXX  Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX XXXX  Acct XXXX XXXX XXXX Opened : XX/XX/XXXX | Balance : {$630.00} XXXX XXXX Acct : XXXX | Opened : XX/XX/XXXX | Balance : {$0.00} XXXX Acct : XXXX XXXX Opened XXXX XX/XX/XXXX | Balance : {$0.00} XXXX XXXX  Acct : XXXX | XXXX : XX/XX/XXXX | Balance : {$0.00} LATE PAYMENTS ( EX ) The following late payments need to be verified. If not fully substantiated, I request removal : XXXX XXXX XXXX XXXXXXXX Acct : XXXXXXXX XXXX XXXX  Acct 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 2025-11-10 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: CA

Complaint narrative:
I am formally requesting that TransUnion verify the accuracy of the following accounts and inquiries, as listed in my credit report. Any discrepancies should be investigated and corrected in accordance with FCRA regulations. 

Disputed Account ( XXXX ) : CHARGED OFF Account ( XXXX ) : Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Description of Discrepancy : This account is reported as charged off with no balance. I request that TransUnion confirm the accuracy of this report and make any necessary corrections. 

INQUIRIES : XXXX  Date of Inquiry : XX/XX/XXXX Description of Discrepancy : I do not recognize this inquiry. Please verify whether it was authorized, and confirm its compliance with applicable regulations under the FCRA.

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 2025-11-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Formal Dispute and Demand for Investigation Unauthorized Access and Use of Consumer Report * * From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 Digits ) : XXXXXXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX  TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX Dear XXXX XXXX XXXX XXXX XXXX, I am writing to formally dispute and demand an investigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681b ) regarding the obtaining and/or furnishing of my consumer report without my written authorization or any permissible purpose under federal law. 

After reviewing my credit report, I identified the following entry that appears to have been obtained or reported without my consent and without a permissible purpose as outlined in 1681b ( a ) : Creditor : Credit Collection Service Account Number : XXXX I have never provided written authorization, application, or any contractual consent allowing the release, furnishing, or acquisition of my personal credit information for this entity. 

Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for specific permissible purposes, including those authorized in writing by the consumer. Any request for or disclosure of my consumer information outside of these bounds constitutes an unauthorized access and a violation of the FCRA. 

Accordingly, I demand that you : 1. Conduct a full investigation into this account and any inquiries, data furnishers, and entities that have accessed or received my consumer file without valid written consent. 
2. Provide the name, address, and permissible purpose claimed by each party that obtained my report within the past 24 months. 
3. Permanently delete or block any unauthorized inquiries, accounts, or data furnished without my consent. 
4. Provide written confirmation of your findings and actions taken within 30 days, as required by 1681i ( a ) ( 1 ) ( A ). 

Failure to comply with these obligations may result in civil action to enforce my rights under 15 U.S.C. 1681n and 1681o, which allow for statutory and actual damages, court costs, and attorney fees. 

Please consider this letter a formal written dispute. I have enclosed a copy of my government-issued ID and proof of address for verification purposes. 

Thank you for your prompt attention. I expect full compliance within the time limits prescribed by federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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:
This is a follow-up complaint to prior CFPB Case # XXXX regarding unresolved fraudulent transactions with XXXX  ( XXXX XXXX ) through Goldman Sachs Bank USA ( Apple Card ). Despite providing detailed exhibits ( AF ) and clear evidence of identity theft, Goldman Sachs continues to issue the same templated compelling evidence denial letters without addressing new material facts or the legal violations raised.

Goldman Sachs failed to conduct a reasonable and good-faith investigation as required by Regulation Z 1026.13 ( f ) and continues to report and collect on fraudulent charges that should have been blocked under 15 U.S.C. 1681c-2. The company also closed my account during an open fraud dispute, which restricted my ability to obtain records and is inconsistent with consumer protection laws.

Their repetitive responses, unchanged despite new evidence, show procedural negligence and unfair treatment under the Fair Credit Billing Act.

Company response to consumer: Closed with explanation