vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: OH

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Goldcar Lending Inc.
State: GA

Complaint narrative:
I purchased a vehicle from XXXX XXXX XXXX in XXXX, Georgia, on XX/XX/XXXX. I initially expressed interest in newer vehicles priced between {$14000.00} and {$20000.00}. However, I was told by a sales representativeconfirmed via text messagesthat I did not qualify for those vehicles per the managers instructions. I was instead directed to purchase a significantly older XXXX  vehicle for a similar price. 

The dealership pressured me into the deal and failed to provide clear explanations about the loan terms, interest rate, or bundled insurance and warranty charges. I later discovered that a Power of Attorney ( POA ) form had been submitted on my behalf without proper notarization or my informed consent. The signature appears to have been reused or copied, raising concerns about forgery or fraud. 

Additionally, I observed a suspicious jump in the vehicles mileage shortly after the sale, despite minimal drivingraising possible odometer tampering concerns. 

The vehicle financing was arranged through Gold Car Lending at a high interest rate ( 19.9 % ) with unclear disclosures. Documents were not fully provided at the time of signing and were only given to me after repeated requests.

I believe I was subjected to predatory lending, deceptive sales tactics, and possible document fraud, and I am requesting full restitution, cancellation of the contract, and removal of this account from my credit history.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A late payment has been reported on my credit profile which I believe is not accurate. I take my financial responsibilities seriously and ensure my accounts are paid as agreed. This entry is both misleading and unfairly damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Block, Inc.
State: PA

Complaint narrative:
On XXXX the XXXX around XXXX, I tried to withdraw my money, A company named XXXX XXXX stole XXXX $ from my Cash App account. I dont even know or buy nothing ever from this company. They even tried three times and failed until I got a XXXX deposit in my account. This situation is beyond frustrating, specially because XXXX a XXXX person who needs XXXX  different types of XXXX  and an expensive medical treatment on a weekly basis. And of course, this whole issue had exacerbated my symptoms significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: MI

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: PA

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: TX

Complaint narrative:
I filed a dispute with Experian, Transunion and Equifax hoping they thoroughly investigated my claim. I received a notice with hours of my dispute, stating no changes will be made from Experian. Transunion sent letters stating that the items will be placed back onto my account and either provided no documentation or provided paperwork with electronic signatures in which are not mine. Equifax. I provided documentation and the bureau refused to complete a proper investigation. The incorrect information is as follows for the different agencies and I am requesting they be removed. 

TRANSUNION : 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  ( provided dispute to company and they proceeded with collection without providing proof of liability ) XXXX ( XXXX  ) reported XXXX different collection accounts- XXXX EXPERIAN : XXXX - closed/written off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( provided written dispute to company and they proceeded with collection without providing proof of liability ) XXXX  ( XXXX  ) XXXX XXXX different collection accounts- XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( provided written dispute to company and they proceeded with collection without providing proof of liability ) Inquiries that I did not authorize XXXX XXXX XXXX Experian XX/XX/XXXXXXXX XXXX XXXX Experian XX/XX/XXXXXXXX XXXXXXXX TransUnion XX/XX/XXXXXXXX XXXXXXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Experian XX/XX/XXXXXXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX, XXXX XXXX Experian XX/XX/XXXXXXXX XXXX Experian XX/XX/XXXXXXXX XXXX TransUnion XX/XX/XXXXXXXX XXXX  TransUnion XX/XX/XXXXXXXX XXXX XXXX Experian XX/XX/XXXXXXXX XXXX Experian

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed a dispute with Experian, Transunion and Equifax hoping they thoroughly investigated my claim. I received a notice with hours of my dispute, stating no changes will be made from Experian. Transunion sent letters stating that the items will be placed back onto my account and either provided no documentation or provided paperwork with electronic signatures in which are not mine. Equifax. I provided documentation and the bureau refused to complete a proper investigation. The incorrect information is as follows for the different agencies and I am requesting they be removed. 

TRANSUNION : 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  ( provided dispute to company and they proceeded with collection without providing proof of liability ) XXXX ( XXXX  ) reported XXXX different collection accounts- XXXX EXPERIAN : XXXX - closed/written off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( provided written dispute to company and they proceeded with collection without providing proof of liability ) XXXX  ( XXXX  ) XXXX XXXX different collection accounts- XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( provided written dispute to company and they proceeded with collection without providing proof of liability ) Inquiries that I did not authorize XXXX XXXX XXXX Experian XX/XX/XXXXXXXX XXXX XXXX Experian XX/XX/XXXXXXXX XXXXXXXX TransUnion XX/XX/XXXXXXXX XXXXXXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Experian XX/XX/XXXXXXXX XXXX XXXX Experian XX/XX/XXXX XXXX XXXX XXXX Experian XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX XXXX XXXX Equifax XX/XX/XXXX XXXX Equifax XX/XX/XXXX XXXX TransUnion XX/XX/XXXXXXXX XXXX XXXX Experian XX/XX/XXXX XXXX Experian XX/XX/XXXX XXXX XXXX, XXXX XXXX Experian XX/XX/XXXXXXXX XXXX Experian XX/XX/XXXXXXXX XXXX TransUnion XX/XX/XXXXXXXX XXXX  TransUnion XX/XX/XXXXXXXX XXXX XXXX Experian XX/XX/XXXXXXXX XXXX Experian

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 2025-08-07 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: DC

Complaint narrative:
I am submitting this complaint because I recently received a copy of my credit report and noticed inaccuracies and unauthorized accounts/information being reported. These entries are not mine, and I did not authorize them to appear on my credit file. 

These incorrect and unauthorized remarks have been detrimental to my life and credit health. They have caused me emotional stress, denial of credit opportunities, and overall financial hardship. Despite my attempts to resolve this directly with the credit bureaus, the issues remain unresolved or inadequately addressed. 

I am requesting that the CFPB : Investigate this matter on my behalf. 
Ensure the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and take corrective action. 
Help me ensure that unauthorized or inaccurate information is permanently removed 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 2025-08-07 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:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: PA

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

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 2025-08-07 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: IL

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Complaint to CFPB Regarding Inaccurate Credit Reporting by XXXX  To Whom It May Concern : I am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an account being reported on my credit report by XXXX, which is inaccurate and misleading. 



Here are the details of the account in question : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Unsecured Loan Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reported Balance : {$4300.00} Status : Charge-Off Although this account is marked as a charge-off, it is still reporting late payments after the charge-off date. This violates the Fair Credit Reporting Act ( FCRA ), as it is inaccurate and does not reflect the true status of the account. Once a debt is charged off, creditors can not continue to report monthly late payments, as doing so is both misleading and damaging to the consumer 's credit profile. 



I have attempted to resolve this matter through the credit bureaus but have not received a satisfactory correction. I am now requesting CFPBs assistance in investigating this improper reporting and ensuring it is corrected or removed. 



Requested Resolution : - Removal of all late payment entries made after the charge-off date of XX/XX/XXXX. 

- Update the account to reflect accurate charge-off status without post-charge-off delinquencies. 

- If not verifiable, delete the account from all credit reports. 





Sincerely, 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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I, XXXX XXXX XXXX, am writing to dispute multiple false inquiries and accounts listed on my consumer report. These entries are fraudulent. I did not authorize or initiate any accounts or inquiries with the following financial institutions : 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  ( via XXXX  ) I have no prior or existing relationships with these entities. I have not applied for any credit, accounts, or services from these companies. These entries are the result of identity fraud, as documented in my police report from the XXXX Police Department and my FTC Identity Theft Report. 

I am requesting that these unauthorized inquiries and any related accounts be immediately removed from my consumer report. These entries are damaging and inaccurate, and they violate my rights as a consumer.

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 2025-08-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX [ Phone Number ] [ Email Address ] Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Subject : Dispute of Unexplained {$130000.00} Mortgage Line of Credit No Transaction History Available To Whom It May Concern, I am writing to formally file a complaint and request an urgent investigation into a longstanding issue with a mortgage line of credit that has severely impacted my financial life. 

Approximately 20 years ago, a mortgage line of credit in the amount of {$130000.00} was opened in my name. However, there has never been any clear documentation, transaction history, or traceable record indicating when or how those funds were withdrawn, spent, or disbursed. Despite multiple attempts to retrieve this information from the mortgage servicer and financial institutions involved, I have not received any adequate explanation, statements, wire transfer records, or documentation reflecting usage of the funds. 

This unknown debt continues to reflect on my credit and has limited my ability to access new credit, refinance, or pursue personal financial goals. I believe this situation raises serious concerns about transparency, recordkeeping, and possibly even fraud. 

I respectfully request that the CFPB assist in investigating this matter and help ensure I receive a full transaction history and clarification on how these funds were utilized, if at all. Additionally, I seek guidance on how to dispute this balance if no valid proof of fund usage can be provided. 

Please advise on the next steps and whether additional documentation is required from my side. 

Thank you for your time, consideration, and assistance in resolving this matter. 

Sincerely, 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 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CO

Complaint narrative:
I received money from my dad for my birthday ( XX/XX/year> ) and they allowed me to withdraw some of it. Then the next day came around and they prevented me from withdrawing my last XXXX $ and all automated chat says is that they cancelled my account and someone will be in touch via email. Its been weeks with no response and theyre still holding my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have tried several times to review my report after receiving an email from transunion about a new account added to my credit file. I did not open a new card so this prompted me to investigate. After several attempts to retrieve my report attached is the only thing I could gain access to off there site.

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