vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: NC

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS XXXX XXXX XXXXXXXX XXXX * * * * * - Date Opened : XXXX Balance : {$81.00} XXXX XXXX XXXX * * * * * - Date Opened : XXXX Balance : {$190.00} AFFIRM XXXX XXXX * * * * * - Date XXXX Balance : {$110.00} XXXX XXXXXXXX XXXX * * * * * - Date Opened : XXXX Balance : {$120.00} XXXX XXXXXXXX XXXX * * * * * - Date Opened : XXXX Balance : {$190.00}

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 explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: AES/PHEAA
State: NY

Complaint narrative:
My loan was XXXX and then went up to XXXX .i asked so many time why it went up to XXXX from XXXX but they dont answer me. If i miss a payment they start calling and asking for payment or take will take it from my job.. i asked them to please lower the monthly payment beacuse it is too much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is an escalation of my prior CFPB complaint. The credit bureau continues to refuse compliance with FCRA 605B and 623 despite receiving all legally required identity-theft documentation, including my FTC Identity Theft Report ( # XXXX ), LAPD report , government ID, SSN, and proof of address. Instead of applying 605B procedures, the bureau responded with a generic 611 dispute handling process, which is not applicable to verified identity-theft cases and directly violates federal law. 

The following fraudulent accounts still remain on my credit file, unblocked and unlawfully reported : XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX I did not authorize these accounts or applications. Both are explicitly listed in my FTC identity-theft report, and the bureau has acknowledged receipt of all documentation, yet still refuses to execute the mandatory actions : Failure to block the fraudulent information within the statutory 4 business days ( 605B ( b ) ( 1 ) ).

Failure to delete derivative data, including associated inquiries ( 605B ( b ) ( 2 ) ).

Failure to prevent continued reporting and reinsertion ( 605B ( c ) ( 1 ) ).

Failure to notify furnishers as required ( 623 ( a ) ( 6 ) ( B ) ).

Misclassification of an identity-theft submission as a regular dispute, which is a known violation pattern.

At this stage the conduct is no longer administrative error it constitutes willful non-compliance, creating ongoing harm to my creditworthiness and exposing the bureau to full civil liability under 15 U.S.C. 1681n and 1681o. 

I request CFPB intervention to : Require the bureau to immediately apply 605B procedures and permanently block both XXXX XXXX accounts ; Ensure deletion of all related inquiries and internal sub-files ; Require written confirmation of the block and permanent suppression ; Review whether enforcement measures or regulatory action are warranted due to repeated statutory violations. 

The bureau has all required documentation and has exceeded every legal deadline. Their refusal to act is intentional and in direct violation of federal identity-theft protections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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:
This is an escalation of my prior CFPB complaint. The credit bureau continues to refuse compliance with FCRA 605B and 623 despite receiving all legally required identity-theft documentation, including my FTC Identity Theft Report ( # XXXX ), LAPD report , government ID, SSN, and proof of address. Instead of applying 605B procedures, the bureau responded with a generic 611 dispute handling process, which is not applicable to verified identity-theft cases and directly violates federal law. 

The following fraudulent accounts still remain on my credit file, unblocked and unlawfully reported : XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXXXXXX Account # XXXX I did not authorize these accounts or applications. Both are explicitly listed in my FTC identity-theft report, and the bureau has acknowledged receipt of all documentation, yet still refuses to execute the mandatory actions : Failure to block the fraudulent information within the statutory 4 business days ( 605B ( b ) ( 1 ) ).

Failure to delete derivative data, including associated inquiries ( 605B ( b ) ( 2 ) ).

Failure to prevent continued reporting and reinsertion ( 605B ( c ) ( 1 ) ).

Failure to notify furnishers as required ( 623 ( a ) ( 6 ) ( B ) ).

Misclassification of an identity-theft submission as a regular dispute, which is a known violation pattern.

At this stage the conduct is no longer administrative error it constitutes willful non-compliance, creating ongoing harm to my creditworthiness and exposing the bureau to full civil liability under 15 U.S.C. 1681n and 1681o. 

I request CFPB intervention to : Require the bureau to immediately apply 605B procedures and permanently block both XXXX XXXX accounts ; Ensure deletion of all related inquiries and internal sub-files ; Require written confirmation of the block and permanent suppression ; Review whether enforcement measures or regulatory action are warranted due to repeated statutory violations. 

The bureau has all required documentation and has exceeded every legal deadline. Their refusal to act is intentional and in direct violation of federal identity-theft protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I filed a complaint about a large amount of charges to my account the first denied any false charges and even said I had opened another card with them and fraud charges were charged to that card so I filed a dispute I did not know the true extent of charged amounts and they finally looked into claim took 2 months to figure out and in that time frame they started charging me late fees and sent late payment claims to credit bureau I told them I can t pay payments on charges that are fraud so now I have late payments claims on my credit report I want removed and my credit rating restored

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: GA

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute to request a review and correction of my credit report due to discrepancies and inaccuracies regarding certain accounts, as outlined below. I request that you investigate and correct these issues in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9800.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9300.00} Inquiries XXXX XXXX XXXX IN - Date Opened : XX/XX/XXXX EQUIFAX MORTGAGE SERVI - Date Opened : XX/XX/XXXX EQUIFAX MORTGAGE SERVI XXXX Date Opened : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX # XXXX * * * * - Balance : {$5100.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am filing this complaint regarding the denial of my Apple Card application issued by Goldman Sachs Bank USA. 

My application was declined with a vague statement that I am not eligible at this time and that the bank was unable to verify information, without specifying what information could not be verified. I did not receive a legally sufficient adverse action notice explaining the specific reasons for the denial. 

The email I later received only states that I applied a number of times and that the bank could not verify information, without identifying what information was unverifiable or how I could correct it. This does not meet the requirements of the Equal Credit Opportunity Act ( ECOA ) and Regulation B, which require creditors to provide clear, specific reasons for credit denial. 

This lack of transparency prevents me from understanding or correcting any alleged issue and deprives me of my consumer rights. I am requesting regulatory review of Goldman Sachs Apple Card application practices and issuance of a compliant adverse action notice. 

I am attaching screenshots of the in-app denial message and the follow-up email as supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: LA

Complaint narrative:
I had a deposit sent to my crypto.com account. {$520.00} of XXXX. They froze these funds under the reason that I opened a dispute against them with my bank. I did not ever do that. I asked how do I get my withdrawal ability so I can remove my funds, remove their access to my bank accounts and close my accounts. They said I needed to provide them a letter from my bank that I never nor do have a dispute against them. I got this letter from my bank and I sent them this letter and they will still not allow me to withdraw my funds. They have direct connection and access to my bank accounts. They will not allow me to cancel this access. They will not allow me to withdraw my {$530.00} from their platform. They will not allow me to close my account. They will not provide any route to resolve. And they will not answer my support attempts. I have provided everything they asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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 noticed unauthorized accounts on my credit report. According to 15 USC 1681, there should be no damages on my report for it is a defamation to my character. Consumer reporting agencies must block any information identified by a consumer as stemming from identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MI

Complaint narrative:
I noticed unauthorized accounts on my credit report. According to 15 USC 1681, there should be no damages on my report for it is a defamation to my character. Consumer reporting agencies must block any information identified by a consumer as stemming from identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: OH

Complaint narrative:
I am filing this complaint because one or more accounts on my credit reports are being reported with material inaccuracies and inconsistencies across the three major credit reporting agencies. The main account ( s ) in dispute are : Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX After carefully reviewing my credit reports from all three bureaus, I identified clear discrepancies in how this account is being reported ( balance, dates, status, payment history, and/or other critical fields ). The information is not the same across all three reports and, in some cases, appears incomplete or conflicting. I have attached copies highlighting these differences. 
As a consumer, I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to a report that is accurate, complete, and verifiable. Sections 607 ( b ) and 611 ( a ) ( 15 U.S.C. 1681e ( b ) and 1681i ) require the credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy and to conduct a meaningful reinvestigation when I dispute an item. Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) prohibits furnishers from reporting information they know or should know is inaccurate.

I have already disputed this account directly with the credit bureau and provided documentation showing the inconsistencies. However, the bureau appears to have relied on automated verification rather than obtaining and reviewing the original, underlying documentation from the furnisher. The reporting remains inconsistent and, in my view, not fully verified as required by law.

Because of this, my credit file does not reflect a fair and accurate picture of my credit history. This can affect my ability to obtain credit on fair terms, may increase my cost of borrowing, and creates unnecessary risk and confusion for any lender who reviews my 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XXXX XXXX chime closed my account they never explained why or what happened conntacted them more than once still didnt give a explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: MD

Complaint narrative:
Credit bureaus repeatedly verifying a loan that is not mine no documentation, no MPN, no identity match FCRA violations Complaint Text : I am filing a new complaint because Experian continues to report a federal student loan that is NOT mine, despite multiple disputes and three previous CFPB complaints. Experian has never produced : A Master Promissory Note A signed loan application Assignment or transfer documents Any identity verification linking me to this loan They continue to verify this item using automated systems instead of performing a legally required human reinvestigation. This violates : FCRA 1681i ( a ) ( 1 ) failure to reinvestigate FCRA 1681i ( a ) ( 4 ) failure to review relevant information FCRA 611 ( a ) ( 6 ) ( B ) failure to provide a Method of Verification FCRA 1681e ( b ) reporting without accuracy FCRA 616/617 willful and negligent noncompliance This is a mixed-file / identity mismatch case. 
I never opened this loan. It does not belong to me. 

I am demanding : A full Method of Verification, including name of verifier documents reviewed date and method of verification whether a human reviewed documents A copy of ANY documents used to verify this account Deletion of the account because no documents exist proving ownership Experian has failed in their legal duty. I request immediate CFPB intervention.

Company response to consumer: Closed with explanation