vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted XXXX XXXX to report that the auto loan I had with them is appearing twice on my credit report. The representative informed me that there was nothing they could do and advised me to contact the credit bureau directly. I filed disputes with Experian on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but despite the information being incorrect, the duplicate account continues to be verified and has not been removed. Additionally, Experian is reporting a charge-off on my account for XXXX, XXXX, and XXXX of XXXX, followed by a repossession for XXXX, XXXX, and XXXX of the same year. Then returned back to a charge off for XXXX XXXX XXXX. I was never notified of a repossession, and there was no formal process or communication indicating that one occurred. It is highly concerning that the report reflects three months of repossession listings, which is misleading and incorrect. According to my credit report, the last payment on this account was in XX/XX/XXXX, which is inaccurate. I no longer had the vehicle after XX/XX/XXXX, and my final payment was actually made in XX/XX/XXXX. Im working hard to improve my credit, but these reporting errors are making it very difficult.

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 2025-08-26 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: MI

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 

The following accounts are in dispute : XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX Original creditor XXXX XXXX Balance : {$230.00} XXXX XXXXL Original creditor XXXX  XXXX Balance : {$200.00} XXXX XXXXXXXX Balance : {$0.00}

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 2025-08-26 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: GA

Complaint narrative:
XXXX XXXX, ( SSN ) XXXX, ( Date of Birth ) XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my 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 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX  accurate XXXX BANK XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate XXXX CARD Account Number : XXXX Please remove it from my credit report. 

5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate XXXX  Account Number : XXXX Please remove it from my credit report. 

7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate XXXXXXXX  Account Number : XXXX Please remove it from my credit report. 

8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting XXXX accurate XXXX CARD Account Number : XXXX Please remove it from my credit report. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 ( FTC Number ) XXXX 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 2025-08-26 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: NY

Complaint narrative:
I have filed two disputes with Apple Card/Goldman Sachs XXXX XXXX and XXXX ) regarding charges from XXXX XXXX In both cases, Goldman Sachs failed to comply with the Fair Credit Billing Act ( FCBA ) and Regulation Z XXXX.

Their only written communication was a no-reply denial email stating no evidence to substantiate the claim, with no explanation or documentation.

Apple Cards support channels repeatedly failed when I attempted to upload evidence ( screenshots attached ). Later, chat agents admitted merchant documentation had been received, but I was never provided it as part of the determination.

My first dispute was also denied outside the required timeframe.

I requested ADA accommodation for accessible written communication, but was forced into chat/phone only, denying me a proper written record. 

Separately, I also submitted a full evidentiary package to XXXX, which gave me a case number and promised a response in XXXX business days. That case was closed without any explanation or documentation. Emails acknowledging the case are attached. 

Impact : I was deprived of my legal right to a timely investigation, a written explanation, and access to the evidence relied upon. My provisional credits were reversed and I remain liable for improper charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-26 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A.States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2025-08-26 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: TX

Complaint narrative:
I have sent 4 rounds of letters XXXX/2025, XXXX2025, XXXX2025, XXXX that I have attach on this complain. So far eve though I have shown the information is reporting incorrect and not to forget they have not sent information proving the collection belongs to me.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing the reporting of a XXXX  account for XXXX XXXX XXXX # XXXX, XXXX, CA XXXX. The account has reported inaccurate information. 

Despite previously filing a CFPB complaint regarding this account, no resolution occurred. Under the Fair Credit Reporting Act ( FCRA ), inaccurate or unverifiable information must be removed from credit reports. The reporting here is inaccurate and unverifiable, and I request that XXXX XXXX XXXX and XXXX investigate and remove this account from my credit report.

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 2025-08-26 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: OH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
I received a text on Friday, XX/XX/XXXX at XXXX to call XXXX XXXX. Once I called a gentleman answered and verified my information by giving me the last four of my SSN number. I had stated that I had disputed this debt with the last collection company that had it. He stated that he would make out of it and pass it on. 
Monday XX/XX/XXXX, I received a phone call at XXXXXXXX XXXX, stating that I needed to call XXXX XXXX XXXX. Once I called a woman answered the phone and verified again by the last four of my Social Security number. I stated that I had already disputed this debt with one of their agents on Friday. and told her that I could not continue to receive text and phone calls while I was at work as I could lose my job. I told her she could contact me by mail. She stated she would note it accordingly and ended the call. At XXXXXXXX XXXX I received a text again from XXXX XXXX to call them. I called the number back and asked to speak with someone in the legal department. A woman verified my information and placed me on a hold. Another agent picked up the phone and verified my address and the last four of my Social Security number with me. I had told her that I had already spoke to someone and asked them to stop calling me and texting me at work earlier today as I could lose my job. She stated she also would note the account so that it would stop. 
I dont know how these companies are allowed to continue to harass people, especially when they were asked to Stop as Im at work and could lose my job because of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The following collections and addresses on my credit report are not mine and are a result of fraud and or identity theft. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: NY

Complaint narrative:
What happened : I opened a secured credit card with XXXXXXXX XXXX XXXX on XX/XX/XXXX, with a {$300.00} security deposit. This deposit was intended to cover any unpaid balance on the account. 

However, in XXXX and XXXX, XXXX XXXX reported the account as charged-off with an outstanding balance. At XXXX point, a debt collector attempted to collect {$600.00} double the {$300.00} credit limit and completely inaccurate. Later, the amount was corrected to {$250.00}, but this is still false since my {$300.00} security deposit should have covered the balance. 

In addition, XXXX XXXX told the CFPB in a prior complaint response that the account was not closed. This is misleading because my official credit reports from XX/XX/XXXX clearly show the account as Closed/Charge-Off with a balance of {$250.00}. This contradiction demonstrates thXXXX XXXX XXXX is providing inconsistent and inaccurate information to regulators and to the credit bureaus. 

I have disputed this account with all three credit bureaus and filed multiple complaints, yet XXXX XXXX has not corrected the reporting or released my security deposit. 

This inaccurate reporting has harmed my credit history, caused denials of credit, and resulted in financial and emotional distress. 

Requested resolution : Permanent deletion of the XXXX XXXX account from all credit reports. XXXX XXXX XXXX XXXXXXXX will cease all collection activity related to this account. 

Proper accounting and explanation of my {$300.00} security deposit.

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 2025-08-26 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: NY

Complaint narrative:
What happened : I opened a secured credit card with XXXX XXXX, XXXX. on XX/XX/XXXX, with a {$300.00} security deposit. This deposit was intended to cover any unpaid balance on the account. 

However, in XXXX and XXXX, XXXXXXXX XXXX  reported the account as charged-off with an outstanding balance. At XXXX point, a debt collector attempted to collect {$600.00} double the {$300.00} credit limit and completely inaccurate. Later, the amount was corrected to {$250.00}, but this is still false since my {$300.00} security deposit should have covered the balance. 

In addition, XXXX XXXX  told the CFPB in a prior complaint response that the account was not closed. This is misleading because my official credit reports from XX/XX/XXXX clearly show the account as Closed/Charge-Off with a balance of {$250.00}. This contradiction demonstrates that XXXXXXXX XXXX is providing inconsistent and inaccurate information to regulators and to the credit bureaus. 

I have disputed this account with all three credit bureaus and filed multiple complaints, yet XXXX XXXX  has not corrected the reporting or released my security deposit. 

This inaccurate reporting has harmed my credit history, caused denials of credit, and resulted in financial and emotional distress. 

Requested resolution : Permanent deletion of the XXXX XXXX account from all credit reports. 

Confirmation that XXXX XXXX will cease all collection activity related to this account. 

Proper accounting and explanation of my {$300.00} security deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NY

Complaint narrative:
What happened : I opened a secured credit card with XXXX XXXX XXXX on XX/XX/XXXX, with a {$300.00} security deposit. This deposit was intended to cover any unpaid balance on the account. 

However, in XXXX and XXXX, XXXX XXXX  reported the account as charged-off with an outstanding balance. At one point, a debt collector attempted to collect {$600.00} double the {$300.00} credit limit and completely inaccurate. Later, the amount was corrected to {$250.00}, but this is still false since my {$300.00} security deposit should have covered the balance. 

In addition, XXXXXXXX XXXX told the CFPB in a prior complaint response that the account was not closed. This is misleading because my official credit reports from XX/XX/XXXX clearly show the account as Closed/Charge-Off with a balance of {$250.00}. This contradiction demonstrates that XXXXXXXX XXXX is providing inconsistent and inaccurate information to regulators and to the credit bureaus. 

I have disputed this account with all three credit bureaus and filed multiple complaints, yet XXXX XXXX  has not corrected the reporting or released my security deposit. 

This inaccurate reporting has harmed my credit history, caused denials of credit, and resulted in financial and emotional distress. 

Requested resolution : Permanent deletion of the XXXXXXXX XXXX account from all credit reports. 

Confirmation that XXXXXXXX XXXX  will cease all collection activity related to this account. 

Proper accounting and explanation of my {$300.00} security deposit.

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 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I thought I was calling to wayfair customer support about a issue with furniture I had Just received. The person on the other end told me do not worry, that they would get me a full refund, but to do this they needed my checking or debit card information. They send me a form via peer-to-peer on my computer. I completed the form, then was told they were having problem connecting, and put me on hold several times. they then txt me a funds denial for which I say yes, it should have been denied because I did not tried to do that transaction. After being place on hold several time, I checked my bank account and found several unauthorized pending actions, then hung up called my bank for a fraud. I later found XXXX, XXXX, and Targets were all frauded ( the scammer purchased XXXX gift cards for XXXX ). I did file a police report. My bank denied my case several times. I called The merchant and was told I needed to go back to my bank since my debit card was used for most of the XXXX  were purchased using my debit card. I did not do the transaction.

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 monetary relief
Consumer complaint received 2025-08-26 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: GA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: COLUMBIA BANKING SYSTEM, INC.
State: TX

Complaint narrative:
I have no account or relationship with this company, yet multiple hard inquiries are reporting. Under FCRA 604, there is no permissible purpose. Please remove unverifiable inquiries under FCRA 611. 



XXXX BANK Inquiry : XXXX XXXX, XXXX XXXX BANK Inquiry : XXXX XXXX, 2024

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