vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: LA

Complaint narrative:
I am writing to formally dispute the continued reporting of inaccurate and unverifiable information on my Experian and Transunion credit report. Despite previously submitting several disputes I have received a response indicating the matter was verified, without any meaningful investigation or explanation. This is a direct violation of the responsibilities under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, and possibly the Fair Debt Collection Practices Act ( FDCPA ) as well. 

Dates : XX/XX/year>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 * * * * - {$2000.00} FDCPA 809 ( 15 U.S. Code 1692g ) the collector has not properly validated the debt, and you continue reporting it based on unverified data, you may be aiding in the collection of a debt that violates federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: MA

Complaint narrative:
I am submitting this formal complaint regarding Transunions violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. 
On XX/XX/XXXX, I disputed several fraudulent accounts and provided Transunion with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Transunion failed to block the disputed items within the four business days required by 605B and instead verified the accounts without disclosing the sources or evidence of verification, violating 611s mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Transunions failure to uphold consumer protections under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: MD

Complaint narrative:
Hello, my name is XXXX, and I am the XXXX XXXX at XXXX XXXX. My Google Ads business account number is XXXX. Ive been using Google Ads for advertising for about 2 years, and provided my credit card information for subscription purposes. The account limit was set to {$500.00}, and prior to XX/XX/year>, the total amount spent per month had been around {$260.00}. 

On XX/XX/XXXX, I received an alert from my credit card company about a suspected fraudulent charge. When I logged into my account, I saw that Google Services had charged my account {$13000.00} for google service not even ads. I immediately reached out to my bank to report the fraud, but they informed me that since I had shared my banking information with Google, they couldnt treat it as fraud.

I then contacted Google support and explained the situation, and we went back and forth for a few weeks while I continued to incur interest on the amount. Eventually, Google acknowledged that it was indeed fraud, but they couldnt explain how it happened. My assumption is that one of their employees may have had access to my card information and made the unauthorized charge.

Google agreed to refund the amount, which was credited back to my Google Ads account. However, I need the refund returned to my actual bank account in order to continue running my business and cover other expenses with the funds. I was informed that if I closed my google ads account, any remaining credit after deductions of whatever i owed would be refunded. The amount left after deductions was {$13000.00} ( please see the attached images ). I closed the account on XX/XX/XXXX and was told I should receive my refund by XX/XX/XXXX. 

Its now XX/XX/XXXX, and I still havent received the refund, even though the money was initially fraudulently taken from my account. In the meantime, Ive had to pay interest on this amount and could only pay my wife half of her salary because I had to move money around to cover other software and marketing costs. 

Ive sent Google several emails, but have received no response. Ive tagged them on XXXX and contacted them through XXXX, but still no reply. 

Please, I need help resolving this issue and getting the refund back to my account. 

Thank you for your attention to this matter.

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 2025-07-03 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: EQUIFAX, INC.
State: GA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of XXXX  which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
I disputed a collection account ( XXXX XXXXXXXX ) with XXXX XXXX XXXX on XX/XX/XXXX. They have never provided verification of the debt, yet they continue to report the account to credit bureaus, causing harm to my credit score. I have experienced a job denial and emotional distress due to their actions.

This violates the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Under XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX their silence constitutes estoppel by silence- they had a duty to respond and failed to do so. I am requesting removal of this account and appropriate accountability for the harm done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom it may concern : I am writing to you to dispute the status of multiple credit card accounts listed in the attached affidavit. The information is inaccurate because of identity theft. Please see attached affidavit.

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 2025-07-03 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: GA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
I am submitting this complaint against [ Insert Creditor or Collection Agency Name ] due to ongoing violations of federal credit and billing laws.

The company has reported my credit card account as closed, yet continues to show it as delinquent with updated late payments after the closure date. According to my credit report from XXXX, the delinquency is still showing as updated or reported recently, despite the account having no new activity and being closed. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), which prohibits furnishers from reporting inaccurate or misleading information. Reporting ongoing delinquencies on a closed account constitutes re-aging the debt, which is illegal and unfairly damages my credit profile.

In addition, the creditor or its third-party agent failed to comply with 15 U.S.C. 1666b ( a ) of the Truth in Lending Act ( TILA ). Payments were marked as late even though billing statements were not delivered at least 21 days prior to the due date, as required by law. If a collection agency was responsible for sending statements, they did not issue monthly, Regulation Zcompliant billing statements as required. This invalidates any late fees, charges, or delinquency notations.

I am requesting the following : Removal of all late payment or delinquency notations on the closed account A full investigation into the billing and reporting practices Proof that any billing statements were sent properly and lawfully Enforcement of compliance with FCRA, TILA, and the Fair Credit Billing Act ( FCBA )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and XXXX  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 XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXn   Greetings to whom it may concern,\nPlease see all highlight activity.  \nPlease see attached all backup information:\nPlease take a look at the information that I am disputing on my credit report, this information is inaccurate on my credit report. I am sending a copy of inquiries on my credit report that are reporting my credit report. This information needs to be addressed and removed. Please correct information concerning all these accounts. (Please see attached) I am asking for a full investigation. Please fix this report effective and immediately.  Also I am disputing the credit inquiries that were removed and put back on my credit report and needs to be removed.\nPlease send me written confirmation, also include proof that youve complied with section 623(a) (4) of the Fair Credit Reporting Act to the National Credit Bureaus.\nThank you for your cooperation. If you have any questions concerning this matter I can be reached at phone number above. 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 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 2025-07-03 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: FL

Complaint narrative:
I want to formally register a complaint regarding the lack of response from Equifax regarding my request for a copy of my credit report and information regarding the verification process. On XX/XX/year>, I submitted a request to Equifax for a copy of my credit report containing updated information. Additionally, I requested details on how the items on my credit report were verified. However, as of today, I have not received any response from Equifax. This failure to acknowledge or address my request has caused significant frustration and concern. As a consumer seeking transparency and accuracy in my credit profile, I find this lack of communication unacceptable. I request the intervention of the Consumer Financial Protection Bureau to ensure that my request is addressed promptly and that I receive the requested information from Equifax. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: NY

Complaint narrative:
You subsequently reported that the account was verified as accurate. I am now exercising my right under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) to demand that you disclose : The method you used to verify this information ; The name, address, and phone number of the furnisher of the information with whom you verified the account.

Please provide this information in writing within XXXX calendar days from the date of your receipt of this letter.

Relevant Law 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) requires the credit reporting agency to provide the consumer with a description of the procedure used to determine the accuracy and completeness of the disputed information, including the name, address, and telephone number of any furnisher of information contacted in connection with such information. 
Failure to provide this information, or to have conducted a reasonable investigation, violates your obligations under the FCRA and exposes you to liability under 15 U.S.C. 1681n and 1681o for statutory damages, actual damages, costs, and attorneys fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: AZ

Complaint narrative:
I disputed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

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 2025-07-03 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: MD

Complaint narrative:
I am filing this complaint as a victim of identity theft and am requesting your assistance in having several fraudulent accounts removed from my credit reports.

I have taken the following steps : I filed an Identity Theft Report with the Federal Trade Commission ( FTC ).

I sent formal disputes to all three major credit bureaus ( Experian, Equifax, and TransUnion ) identifying the specific accounts I believe were fraudulently opened in my name. Please see attached.

I included copies of the FTC Identity Theft Report and a signed statement denying responsibility for those accounts.

Despite this, the fraudulent accounts are still being reported on my credit file, and I am now being harmed both financially and reputationally.

Under the Fair Credit Reporting Act ( FCRA ) : 1681c-2 ( Block of information resulting from identity theft ) : The credit bureaus are required to block and delete any information that results from identity theft within 4 business days of receiving : Proof of identity An Identity Theft Report from the FTC A written statement of dispute 1681i ( Procedure in case of disputed accuracy ) : Credit bureaus must conduct a reasonable reinvestigation and delete unverifiable or fraudulent information within 30 days.

1681e ( b ) : Credit reporting agencies must maintain the maximum possible accuracy. Continuing to report fraudulent accounts violates this duty.

These laws clearly outline that reporting known fraudulent accounts after notice of identity theft is unlawful, and I am now seeking enforcement of my rights through your agency.

Company response to consumer: Closed with non-monetary relief