vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc
State: CA

Complaint narrative:
REMOVE THE INCIDENT FROM MY REPORT AND ANY REPORTING AGENCIES THAT ARE KEEPING ME FROM GETTING INSURANCE AT FAIR RATES

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Closed Apple Card account with Goldman in XX/XX/XXXX due to their unethical delay on processing payment in a timely manner which had never been a problem before. Was notified XX/XX/XXXX their systems did not properly account for interest, allegedly, post statement date when closed in XX/XX/XXXX and I owed interest from the prior balance. Went ahead and paid the balance and was assured the account was completely paid in full and closed with no chance of any further interest or recurring charges posting again. Received notification this week that my card had a balance of {$5.00} that was past due. Called customer support and ultimately first rep initially offered to reduce the payment due to only {$.00}. I declined and when I asked to confirm the twice closed account process I had to be " escalated '' to a supervisor. Supervisor looked into it and said the balance was actually $ XXXX dollars but could not say when or what the charges were for. She finally confirmed account was originally closed in XX/XX/XXXX and then again in full XX/XX/XXXX but could not do anything for at least 7 days. This not about {$.00} but the complete unethical practice GS is employing I'm sure on many cardholders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ) : Subject : Demand for Immediate Deletion of Fabricated Identity Information Violations of 15 U.S.C. 1681e ( b ) 1. FRAUDULENT PERSONAL INFORMATION The following fabricated identity data is being falsely reported by Equifax, Experian, and TransUnion, constituting willful violations of the FCRA and potential criminal identity fraud : Fabricated Name : " XXXX XXXX '' Fraudulent Address : " XXXX XXXX XXXX XXXX XXXX, XXXX, NY '' Fictitious Employment : " XXXX XXXX '' 2. LEGAL VIOLATIONS The credit bureaus are in direct violation of : FCRA 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy.

FCRA 1681i ( a ) Failure to conduct a proper reinvestigation of disputed information.

18 U.S.C. 1028 ( a ) ( 7 ) Criminal penalties for identity fraud.

3. IMMEDIATE DEMANDS I demand that the CFPB compel all three credit bureaus to : Permanently delete the fabricated name " XXXX XXXX '' from my credit file. 

Remove the fraudulent address ( " XXXX XXXX XXXX XXXX XXXX, XXXX, NY '' ) immediately. 

Delete all false employment history ( " XXXX XXXX '' XXXX. 

Provide written confirmation of corrections within 5 business days.

4. LEGAL WARNING Failure to comply will result in : Civil litigation under FCRA 1681n for willful noncompliance ( statutory damages up to {$1000.00} per violation ).

Criminal identity theft reports to the FTC, FBI, and NY Attorney General.

Formal complaints to the CFPB, FTC, and all relevant banking regulators.

6. FINAL NOTICE This is your final opportunity to correct these violations before I pursue maximum legal remedies.

Sincerely,

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 2025-05-12 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: CT

Complaint narrative:
I never gave this company any permission to access my credit. I didnt apply for anything with them, and I never authorized a credit check of any kind. This inquiry was done without my knowledge or consent, and thats a serious issue.

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 2025-05-12 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: NY

Complaint narrative:
I am filing this complaint due to TransUnions repeated failure to remove an account ( XXXX XXXX  ) that is inaccurate and unverifiable. I have submitted two formal written disputes ( XX/XX/year> & XX/XX/year> ) and made two separate phone disputes ( XX/XX/year> & XX/XX/year> ) regarding this account, requesting that TransUnion provide documentation from the original creditor ( such as a signed contract or application bearing my signature ), which they have failed to do. 


Instead of verifying the debt, TransUnion updated my personal information including adding new phone numbers to the disputed account without my consent, which is a serious violation of the Fair Credit Reporting Act ( FCRA ). The account was originally tied to an old phone number that is no longer associated with me, making the account inaccurate and unverifiable under FCRA Sections 607 ( b ), 611, and 609 ( a ) ( 1 ).

Furthermore, by continuing to report this unverifiable account after multiple disputes, TransUnion is in willful noncompliance and may be subject to penalties under FCRA Section 616 ( Civil Liability for Willful Noncompliance ) and Section 617 ( Civil Liability for Negligent Noncompliance ).

I am requesting that the CFPB intervene to compel TransUnion to immediately delete the XXXX XXXX  account from my credit report, as they have had multiple opportunities to verify it and have failed to comply 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 non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
My tax accountant put the wrong account number and routing number on my tax return documents in which my refund was incorrectly sent to Truist Bank ( Account owner XXXX ). I contacted the bank to inform them of the mistake on XX/XX/year>. The bank received my refund from the IRS on XX/XX/year> in which it was not rejected as the Bank indicated would happen since my name is not on the account with their bank in which the funds were being deposited. I contacted the XXXX and Truist bank to have the funds returned to the IRS on XX/XX/year> and still the funds have not been returned to the IRS. Which means they have a weak XXXX Controls as the funds clearly do not belong to the account. I have attempted to resolve with no luck. The opened a identity theft case ( case # XXXX ) but still no resolution.

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 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
On or about XX/XX/year>, a credit card account was opened in my name by XXXX without my knowledge or consent. I did not apply for or authorize any application for a Milestone credit card, nor did I give permission for a hard inquiry to be placed on my credit report. 

Shortly after the account was created, I noticed a hard inquiry on my credit file and saw that a card had been issued along with an annual fee charged to the account. I immediately called the company to report the issue, requested the account be closed, and asked for the annual fee to be waived since I never requested the card in the first place. 

Despite my call, I was not provided with any documentation explaining how the account was created or proving my authorization. This raises significant concern under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) and potentially other federal protections against unauthorized account creation and misuse of consumer credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-12 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-12 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: TN

Complaint narrative:
Experian is reporting this account inaccurately 30/60/90 day late. I was never late and request validation under FCRA 609 ( a ). Please provide the original signed contract and verified payment history, or remove the derogatory data.

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 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My debit card was skimmed at a XX/XX/XXXX on XX/XX/XXXX. The people who got ahold of my card information used it to buy XXXX for the amount of {$34.00}. Wells Fargo gave me a provisional credit for that amount while that claim was being reviewed. They denied my claim and recharged my card for the amount that I shouldn't have to owe them.

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 2025-05-12 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: CITIBANK, N.A.
State: DE

Complaint narrative:
I stayed in a hotel from XXXX. I was charged {$320.00}, which I paid. Some other company charged me {$540.00} for the same 3 days at the same hotel. I received a copy of my correct bill from the hotel signed by the manager stating that my bill was {$320.00}. I mailed all this to Citibank. They said they sent me a letter that I was supposed to sign and date and send back. I NEVER received any letter. I called up and they said they were sending me another letter. NEVER received that one either. I just called up and was told that the date now was too late and I was out of luck. I have never disputed anything before. I am a XXXX XXXXXXXX on a fixed income and this is a lot of money to me. I have hard copy of my papers but I do not know how to send them to you electronically.

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 2025-05-12 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: GA

Complaint narrative:
This account is completely unfamiliar to me. I have no knowledge of it, no association with it, and Ive never authorized it in any way. It does not belong on my report, and I have serious concerns about how it ended up there in the first place.

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 2025-05-12 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I recently filed a complaint with CFPB complaint # XXXX. In that complaint I specifically mentioned that Equifax has reduced my score by 30 points or more on SEVERAL OCCASSIONS for the same account. Equifax DELIBERATELY ignored the basis of my complaint and went on to provide the CFPB with information that I submitted to Equifax on previous disputed to them and also provided information about an auto loan in good standing that I never questioned. This was Equifax 's gross and negligent was of avoiding the problem at hand which is deliberately doing harmful and abusive practices to my credit account. The account in question was closed many years ago and although I have disputed the account several time, no new items or occurrences have taken place. I know that it is not standard procedure to continuously reduce a person score repeatedly with the same account. However, Equifax continues to do this practice with my account. Furthermore, Equifax reported this account as being reported as of XX/XX/XXXX which is false as the account was reported in XXXX, XXXX, XXXX, etc. Equifax n knowingly and willing making false representation of my account and if the CFPB can not help with this please let me know whom I should contact to file a formal complaint. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-05-12 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: 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 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 INQUIRIES XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-05-12 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: WI

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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.

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 seven 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