vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 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: AL

Complaint narrative:
I am writing to dispute the following item ( s ) in my credit report, as provided to me by your agency. I am requesting an immediate investigation of this/these inaccurate or incomplete entry ( ies ) as provided for under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i.

According to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving a dispute from a consumer. If the information can not be verified, it must be deleted from the credit report. Please provide me with written confirmation of your reinvestigation results, including an updated copy of my credit report. If you are unable to verify the disputed information, I request that it be removed promptly fren my credit file. 
This letter serves as a formal notice that I dispute the validity of the alleged debt/account listed below and request that you immediately cease all communication with me regarding 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 non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to dispute the following item ( s ) in my credit report, as provided to me by your agency. I am requesting an immediate investigation of this/these inaccurate or incomplete entry ( ies ) as provided for under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i.

According to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving a dispute from a consumer. If the information can not be verified, it must be deleted from the credit report. Please provide me with written confirmation of your reinvestigation results, including an updated copy of my credit report. If you are unable to verify the disputed information, I request that it be removed promptly fren my credit file. 
This letter serves as a formal notice that I dispute the validity of the alleged debt/account listed below and request that you immediately cease all communication with me regarding 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 2025-08-09 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: AL

Complaint narrative:
I am writing to dispute the following item ( s ) in my credit report, as provided to me by your agency. I am requesting an immediate investigation of this/these inaccurate or incomplete entry ( ies ) as provided for under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i.

According to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving a dispute from a consumer. If the information can not be verified, it must be deleted from the credit report. Please provide me with written confirmation of your reinvestigation results, including an updated copy of my credit report. If you are unable to verify the disputed information, I request that it be removed promptly fren my credit file.

This letter serves as a formal notice that I dispute the validity of the alleged debt/account listed below and request that you immediately cease all communication with me regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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:
On XX/XX/year>XXXX  I checked my credit report for all 3 bureaus and found that there were several items that was incorrect on all reports. I also checked to see if my information was part of a data breach which is was. Including personal information, inquiries, and accounts that were not mines and that I did not recognize. A report identity report was placed.

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 2025-08-09 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: TX

Complaint narrative:
On XX/XX/year>XXXX  I checked my credit report for all 3 bureaus and found that there were several items that was incorrect on all reports. I also checked to see if my information was part of a data breach which is was. Including personal information, inquiries, and accounts that were not mines and that I did not recognize. A report identity report was placed.

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 2025-08-09 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: Paypal Holdings, Inc
State: CO

Complaint narrative:
I deposited money into my XXXX  account via my debit card to pay a local business. XXXX  refused the transaction, despite my XXXX  account having enough to cover it. I requested help and they told me " just try in a few days '' which was no acceptable as the business required payment. I then asked to close my account and transfer my balance back to my debit card and was given a vague error message that this also was not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/year>, my Apple Card by Goldman Sachs was closed for no apparent reason. Later that day I got an email saying that it was closed because there was a failure to comply with the terms of the Customer Agreement. However I read the customer agreement entirely, several times, and I didnt violate any rules whatsoever. I had no late or missed payments. And the account is payed in full. Ive also never submitted not one claim for any reason. When I called about this the lady from customer service reviewed my account and even she said that there had to be a mistake because I did nothing wrong. Every time I call they say its because of the agreement but dont specify what I violated because I didn't. They say to reapply again ; however the system doesnt let me reapply. This is messing my credit up for no reason, apparently just for their amusement. I also know for a fact I didnt do anything wrong because even after the account is closed Im still getting emails to apply for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am disputing an account that is reporting on my credit files even though it is not my account and I have no financial responsibility for it. The tradeline appears as XXXX XXXX with a {$2500.00} limit and a reported balance of about {$1900.00} ( roughly 7980 % utilization ). You can see my screenshots showing the XX/XX/year> reporting date and the high utilization. 

I was only an authorized user on a family members XXXX XXXX XXXX for a period of time. I am no longer an authorized user and have asked to be removed. I never applied for, opened, or agreed to be responsible for this account or its payments. Reporting this account on my credit files is inaccurate and materially misleading because it makes it look like I am using 80 % of a revolving account that does not belong to me, which is damaging my credit standing. I also never consented to any reporting that would treat me as the responsible party. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), the credit bureaus must follow reasonable procedures to assure maximum possible accuracy of the information they report. Because I am not the obligor on this account and am no longer an authorized user, continuing to report it on my files is not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
I am disputing an account that is reporting on my credit files even though it is not my account and I have no financial responsibility for it. The tradeline appears as XXXX XXXX with a {$2500.00} limit and a reported balance of about {$1900.00} ( roughly 7980 % utilization ). You can see my screenshots showing the XX/XX/year> reporting date and the high utilization. 

I was only an authorized user on a family members XXXX XXXX XXXX for a period of time. I am no longer an authorized user and have asked to be removed. I never applied for, opened, or agreed to be responsible for this account or its payments. Reporting this account on my credit files is inaccurate and materially misleading because it makes it look like I am using 80 % of a revolving account that does not belong to me, which is damaging my credit standing. I also never consented to any reporting that would treat me as the responsible party. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), the credit bureaus must follow reasonable procedures to assure maximum possible accuracy of the information they report. Because I am not the obligor on this account and am no longer an authorized user, continuing to report it on my files is not accurate.

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 2025-08-11 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: PA

Complaint narrative:
I am disputing an account that is reporting on my credit files even though it is not my account and I have no financial responsibility for it. The tradeline appears as XXXX XXXX XXXX XXXX {$2500.00} limit and a reported balance of about {$1900.00} ( roughly 7980 % utilization ). You can see my screenshots showing the XX/XX/year> reporting date and the high utilization. 

I was only an authorized user on a family members XXXX XXXX XXXX for a period of time. I am no longer an authorized user and have asked to be removed. I never applied for, opened, or agreed to be responsible for this account or its payments. Reporting this account on my credit files is inaccurate and materially misleading because it makes it look like I am using 80 % of a revolving account that does not belong to me, which is damaging my credit standing. I also never consented to any reporting that would treat me as the responsible party. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), the credit bureaus must follow reasonable procedures to assure maximum possible accuracy of the information they report. Because I am not the obligor on this account and am no longer an authorized user, continuing to report it on my files is not accurate.

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 2025-08-11 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
FORMAL NOTICE OF DISPUTE & DEMAND FOR DEBT CLEARANCE From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To : XXXX XXXX XXXX : Compliance Department XXXX XXXX XXXX XXXX, TX XXXX Date : XX/XX/XXXX Re : Formal Dispute of Alleged Debt and Demand for Immediate Remedy Dear Compliance Officer, This letter serves as my formal notice of dispute regarding any and all alleged debts or accounts claimed to be associated with my name, estate, or Social Security number by NORDSTROMTDBANKUSA or any affiliated collectors. Upon detailed review, your agency has violated multiple federal statutes, which renders your claim legally unenforceable and subject to penalties. Violations Noted : 1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. - No proper validation or original contract has been provided upon request. Misrepresentation of the debt constitutes a clear violation. 2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. - Reporting alleged debts to credit bureaus without verification is unlawful and constitutes willful damage to my reputation and financial standing. 3. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 et seq. - Failure to disclose key lending terms, interest obligations, and failure to provide signed documentation breaches federal law. 4. Case Law Supporting This Position : - 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 Additionally, you have failed to provide : - A wet-ink signature contract establishing lawful obligation ; - A full chain of assignment/title showing lawful ownership of the alleged debt ; - Verified accounting records in accordance with GAAP standards.

DEMAND FOR REMEDY : You are hereby demanded to : - Cease and desist all collection attempts, correspondence, or calls related to this matter ; - Clear and discharge all alleged debts associated with my name, estate, or SSN ; - Remove all tradelines related to this account from XXXX XXXX XXXX XXXX XXXX - Provide written confirmation of said discharge and tradeline deletion within 30 days of receipt of this letter. Failure to comply will result in immediate legal action for damages under the above-mentioned federal statutes and relevant state consumer protection laws. All rights are expressly reserved, without prejudice ( UCC 1-308 ).

Respectfully, XXXX XXXX XXXX Beneficiary & Secured Party Creditor XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
Date : XX/XX/year> Subject : Request for Debt Validation under the Fair Credit Reporting Act To Whom It May Concern : I am writing to dispute and request validation of an account listed on my credit report with National Credit Adjusters , LLC. Date Reported : XX/XX/year> Amount : XXXX Account : XXXX The account number listed on my credit report ( XXXX ) is one I've never seen or been aware of. 
I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. Please provide documentation validating the accuracy of this account, including : 1. Original creditor 's name and address 2. Amount of the debt and itemized charges 3. Proof I am obligated to pay this debt, including a copy of my signature on a contract or agreement. 4. A detailed breakdown of how the amount of {$500.00} was calculated. 5. Proof that I am legally obligated to pay this debt : Debt Validation Letter 6. Date of last activity or payment Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and either verify, correct, or remove this account within 30 days. 
If you are unable to validate this account, I request that it be deleted from my credit report and that you confirm this in writing, or I will take legal action with an attorney. This letter is not an acknowledgment of responsibility for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: NY

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: DISCOVER BANK
State: TX

Complaint narrative:
On XX/XX/year>, I disputed an unauthorized charge of {$3000.00} on my Discover credit card. Despite confirming my dispute, Discover refuses to issue provisional credit or expedite the process, citing internal policy. This delay is causing me immediate and severe financial hardship, affecting my ability to pay rent, utilities, and afford food. I demand that Discover comply with federal regulations and issue the provisional credit without further delay. Their refusal to accommodate hardship requests shows a disregard for customers in crisis. I expect swift intervention from the CFPB to hold Discover accountable and protect consumers like me.

Company response to consumer: Closed with non-monetary relief