vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the [ Experian / Equifax / 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 receiving this complaint. 
The following fraudulent, inaccurate, and unauthorized accounts have appeared on my credit report : XXXX. XXXX Account # XXXX Secured loan Opened XX/XX/XXXX {$0.00} balance XXXX. XXXX ( XXXX XXXX ) Account # XXXX Collection Opened XX/XX/XXXX {$0.00} balance XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX Utility collection Opened XX/XX/XXXX {$0.00} balance XXXX. XXXXXXXX XXXX XXXX Account # XXXX Unsecured loan Opened XX/XX/XXXX {$650.00} balance XXXX. XXXX ( XXXX XXXX ) Account # XXXX XXXX Opened XX/XX/XXXX {$2700.00} balance XXXX. XXXX XXXX XXXX Account # XXXX Collection Opened XX/XX/XXXX {$2700.00} balance XXXX XXXX XXXX  ( XXXX XXXX ) Account # XXXX XXXX Opened XX/XX/XXXX {$270.00} balance XXXXXXXX XXXX XXXXXXXX Account # XXXX Auto loan {$0.00} balance Closed XXXX. XXXX XXXX XXXX ( XXXX  XXXX ) Account # XXXX Utility collection Opened XX/XX/XXXX {$330.00} balance XXXX. XXXX XXXX Account # XXXX XXXX account Opened XX/XX/XXXX {$240.00} balance XXXX. XXXX ( XXXX XXXX XXXX Account XXXX XXXX XXXX Opened XX/XX/XXXXXXXX  {$840.00} balance These accounts have resulted in several fraudulent hard inquiries and collections that are harming my consumer credit profile. I did not open or authorize any of the above accounts or inquiries. All are the result of 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 2025-07-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the [ Experian / Equifax / 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 receiving this complaint. 
The following fraudulent, inaccurate, and unauthorized accounts have appeared on my credit report : XXXX. XXXX Account # XXXX Secured loan Opened XX/XX/XXXX {$0.00} balance XXXX. XXXX ( XXXX XXXX ) Account # XXXX Collection Opened XX/XX/XXXX {$0.00} balance XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account # XXXX Utility collection Opened XX/XX/XXXX {$0.00} balance XXXX. XXXXXXXX XXXX XXXX Account # XXXX Unsecured loan Opened XX/XX/XXXX {$650.00} balance XXXX. XXXX ( XXXX XXXX ) Account # XXXX XXXX Opened XX/XX/XXXX {$2700.00} balance XXXX. XXXX XXXX XXXX Account # XXXX Collection Opened XX/XX/XXXX {$2700.00} balance XXXX XXXX XXXX  ( XXXX XXXX ) Account # XXXX XXXX Opened XX/XX/XXXX {$270.00} balance XXXXXXXX XXXX XXXXXXXX Account # XXXX Auto loan {$0.00} balance Closed XXXX. XXXX XXXX XXXX ( XXXX  XXXX ) Account # XXXX Utility collection Opened XX/XX/XXXX {$330.00} balance XXXX. XXXX XXXX Account # XXXX XXXX account Opened XX/XX/XXXX {$240.00} balance XXXX. XXXX ( XXXX XXXX XXXX Account XXXX XXXX XXXX Opened XX/XX/XXXXXXXX  {$840.00} balance These accounts have resulted in several fraudulent hard inquiries and collections that are harming my consumer credit profile. I did not open or authorize any of the above accounts or inquiries. All are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
On XXXXXXXX XXXX XXXX XXXX  I received a call saying that I had a balance of {$7400.00} that I owed for car that was a buy back and total was supposed to be {$490.00} I asked several times and was told that all I would owe after many conversations on recorded lines, I was asked questions to proceed with buy back. I asked as we were doing the final procedure to buy back on recorded line about the amount that would be owed and was told again {$490.00} and had to restart closing buy back questions, because I stopped in the middle of closing out car XXXX XXXX a case was opened to see if they could wave the {$7400.00} being that they were at fault and gave wrong information. XX/XX/year> received a call and was told that case is closed and I owe {$7400.00} but they can offer {$1000.00} off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, XXXX, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ).

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. These accounts include, but may not be limited to : XXXX Account XXXX Status : Paid/ Transferred Inconsistencies : TransUnion and XXXX  report as " Paid '', while Equifax shows `` Transferred '' ; credit limit missing from Equifax. Date account was opened XX/XX/year> vs XX/XX/year>

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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft and have submitted multiple formal disputes to TransUnion, Equifax, and Experian regarding fraudulent accounts on my credit report. Despite providing FTC Identity Theft Reports, affidavits, and written disputes, these credit bureaus continue to verify the fraudulent accounts as accurate and leave them on my credit report. 

These accounts include, but are not limited to : Auto loans Collection accounts Utilities and rental debts All of which were opened without my knowledge or consent and are tied to names, addresses, and employment information that do not belong to me. 

I have followed every step required under the Fair Credit Reporting Act ( FCRA ) to notify the bureaus and request investigation and deletion of fraudulent information. Yet they have repeatedly failed to properly investigate or provide verification from original creditors. The fact that both TransUnion and Equifax have removed some bankruptcies, while Experian has not, further demonstrates inconsistency and noncompliance. 

Their refusal to remove fraudulent items after documented identity theft reports is causing ongoing harm to my credit, finances, and personal life. It is a direct violation of my rights as a consumer under 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 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and have submitted multiple formal disputes to TransUnion, Equifax, and Experian regarding fraudulent accounts on my credit report. Despite providing FTC Identity Theft Reports, affidavits, and written disputes, these credit bureaus continue to verify the fraudulent accounts as accurate and leave them on my credit report. 

These accounts include, but are not limited to : Auto loans Collection accounts Utilities and rental debts All of which were opened without my knowledge or consent and are tied to names, addresses, and employment information that do not belong to me. 

I have followed every step required under the Fair Credit Reporting Act ( FCRA ) to notify the bureaus and request investigation and deletion of fraudulent information. Yet they have repeatedly failed to properly investigate or provide verification from original creditors. The fact that both TransUnion and Equifax have removed some bankruptcies, while Experian has not, further demonstrates inconsistency and noncompliance. 

Their refusal to remove fraudulent items after documented identity theft reports is causing ongoing harm to my credit, finances, and personal life. It is a direct violation of my rights as a consumer under 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 non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am filing this formal complaint with the Consumer Financial Protection Bureau regarding ongoing inaccurate and fraudulent credit reporting by both the credit bureaus and the furnishers of information, despite my repeated disputes and requests for correction. I am seeking immediate enforcement of my rights under federal law. 

Upon my release from incarceration, I discovered that my personal information had been used without authorization to open multiple fraudulent accounts. I have notified the furnishers and all three credit bureaus ( XXXX XXXX XXXX XXXX ) of the following : A XXXX XXXX XXXX XXXX XXXX XXXX  ) account that I never opened, authorized, or benefited from ; A XXXX XXXX account that was fraudulently opened in my name ; Child support reporting on XXXX XXXXhat is inaccurate and does not reflect my actual status or payment history. 

Despite providing notice, proof of identity, and a written dispute, these entities have failed to conduct a reasonable investigation or to remove or correct the inaccurate entries. I have received no documentation verifying the accounts, and my disputes have either gone unanswered or been summarily closed without resolution. 

These actions constitute clear violations of the Fair Credit Reporting Act ( FCRA ) and related statutes, including but not limited to : FCRA 1681i Failure to conduct a reasonable reinvestigation of disputed information ; FCRA 1681s-2 ( b ) Failure of the data furnishers to investigate disputed information after receiving notice from a consumer reporting agency ; FCRA 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy of information ; FDCPA 807 Continuing to report or attempt to collect a debt that has not been validated ; 18 U.S. Code 1028 Allowing identity theft to persist by failing to correct known fraudulent activity. 



Resolution Requested : 1. Immediate removal of the XXXX XXXX and XXXX XXXX accounts from my credit reports ; 2. Correction or removal of inaccurate child support reporting by XXXX XXXX 3. Written verification documentation from the furnishers showing how they validated these accounts ; 4. Full enforcement of my rights under the FCRA and FDCPA, including applicable penalties for noncompliance. 

These continued violations are not only damaging my credit but also impeding my ability to reintegrate and rebuild following incarceration. I respectfully request that the CFPB investigate this matter and hold the responsible parties accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Between XXXX and XXXX PST on XX/XX/year>, my account was hit with XXXX charges from the same merchant. The merchant was XXXX, and they charged me in the following order {$100.00} at XXXX XXXX, another {$100.00} at XXXX XXXX, then {$200.00} at XXXX XXXX, finishing with {$250.00} at XXXX XXXX. Upon seeing this shortly after, as I was flooded with notifications. I right away reported to Apple Card Support through Goldman Sachs, that these charges were fraud, and not me. When I did that they pointed out another charge from the night before, {$100.00} on XX/XX/year> at XXXX XXXX, which I also did not make. The bank then immediately replaced my card and credited all charges while the dispute was going on. After a couple months passed, the charges all appeared back on my statement with Goldman Sachs saying they had no evidence to substantiate my claim. I asked what evidence could I possibly provide for something I did not do? They said they understand and would re assert the claim/ dispute. This process continued every couple months until recently where they stopped providing me information and credits. They said because it has been going on so long, they will not provide me credits. This has led to me paying {$200.00} last month extra on my statement and the extra {$550.00} on my statement today. In which I have no choice but to pay out of pocket or face backlash in my credit and be charged interest. I have contacted them multiple times recently about this and after spending hours each day in support, they end in the same manner which is them disconnecting with no resolution and the amount on my bill. The latest time took XXXX hours with an abrupt ending with no help to me. Throughout the process I have been asked the same questions, given the same answers and even have gone as far as to find more out about the company that charged me. They are a foreign site located in XXXX that focuses on opening virtual cases. I have never been to this country or done business there or with this company and have no use for there service. To contact them or there support you must sign in with a third party account which I refuse to do, for the safety of my information. Attached I will have all of the charges as well as my latest support conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: KS

Complaint narrative:
I am a banker for over 35 years. I have all of my own banking accounts. I have a Cash App account because that is what my grandkids use, and it is a way I can send them gas money, money for a treat, or for school expenses, etc. 

On or about XX/XX/XXXX, I tried to send my granddaughter gas money, and my Cash App said it was closed. I received no notification or warnings from them before hand. I reached out several times to ask what the issue was. They gave me a Case XXXX XXXXXXXX. When they do respond they just say it was closed due to violation of TOS. I reviewed the entire TOS, there is nothing related to my account in any way that is a violation. As I said, I ONLY send funds to my grandkids, family, for their expenses as this is an app the kids use. I have repeatedly asked WHAT specifically is ANY violation of TOS. They do not provide any details or remedy. I informed them that if I did not hear a resolution within 30 days of my complaint that I would file a complaint with the CFPB.

I want to know why my account was : Closed with no notification or any notification that there had been any issue. And what specifically is any violation of TOS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ). I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the three credit bureaus. 

XXXX Account XXXX Status : Paid Inconsistencies : Open date discrepancy ( XX/XX/year> vs XX/XX/year> ) ; credit limit not reported by Equifax ; inconsistent high credit 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 non-monetary relief
Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
am filing a complaint against Jefferson Capital Systems LLC for reporting a collection account on my credit reports with an inaccurate date of account opening ( XX/XX/XXXX ) and an original delinquency date of XX/XX/XXXX. 
This re-aging of the account appears to be an attempt to illegally extend the time this collection stays on my credit report, which violates the Fair Credit Reporting Act ( FCRA 1681c ). 
The debt was originally with XXXX XXXX, who has already removed the account from my credit. I have never received proper validation from Jefferson Capital, nor have I ever entered into any contract with them. 
Under the Fair Debt Collection Practices Act ( FDCPA 1692g ), they are required to verify this debt if requested and they have not. 
I am requesting that this account be deleted from all credit reports immediately and that Jefferson Capital be investigated for illegal credit reporting and collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-12 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: GA

Complaint narrative:
Please help! I am reaching out to CFPB, due to several unsuccessful attempts to resolve unverifiable accounts on my Transunion credit report in particular XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX original creditor XXXX XXXX XXXX I have have ask for proof of these alleged accounts from both creditors and credit reporting agency .. Transunion have not properly investigated my dispute, they have ignored every documents I sent them in reference to allege accounts .. The accounts are unverifiable under FCRA USC 1681.. I have never recieve dispute results by mail after submitting several disputes over the past few months .. When attempt to contact Transunion via phone to inquire about my issue.. I get transfered to a department that keeps me on hold for hours then hangs up on me.. It's been a nightmare dealing with Transunion, I do deserve to have misleading and inaccurate information remain on my credit report.It is a violation of my federal rights under FCRA .. I have not been able to obtain credit like start a business and buy a new home for my family due to Transunion blatantly disregard for the law regarding credit reporting. I sent in documents they ask me to send in to have items remove, but they never removed them not do they reply...

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