vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
I am writing to formally dispute several accounts listed on my credit report. I believe these accounts may contain errors or inaccuracies that need to be investigated and corrected. Below is a list of the accounts I am disputing : XXXX. Account Name : XXXX XXXX  XXXX Account Number : XXXX * * * * * * * * * * Date Opened : XX/XX/year> Balance : {$2800.00} XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX * * * * * * * * * * Date Opened : XX/XX/year> Balance : {$44.00} XXXX request that these accounts be thoroughly investigated, and any discrepancies or errors be corrected. If any of these accounts are found to be inaccurate, I ask that they be removed or updated appropriately from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: NC

Complaint narrative:
the accuracy of the XXXX XXXX XXXX closed credit card account reported on my Equifax credit report and still active on my Experian and Transunion with a reporting balance of {$8000.00}. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable.Please conduct a thorough reinvestigation of this account and provide me with the results. If you can not verify the accuracy of this information within the XXXX period required by law, you must delete it from my credit report.Additionally, under the Truth in Lending Act ( 15 U.S.C. 1666 ), I request validation of this account, including the original account number, the balance at closure, and the date the account was closed. 
Please provide me with a description of the procedure you used to determine the accuracy and completeness of this disputed information.Enclosed are copies of any relevant documents supporting my position. 
Thank you for your prompt 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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
the accuracy of the XXXX XXXX XXXX closed credit card account reported on my Equifax credit report and still active on my Experian and Transunion with a reporting balance of {$8000.00}. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable.Please conduct a thorough reinvestigation of this account and provide me with the results. If you can not verify the accuracy of this information within the XXXX period required by law, you must delete it from my credit report.Additionally, under the Truth in Lending Act ( 15 U.S.C. 1666 ), I request validation of this account, including the original account number, the balance at closure, and the date the account was closed. 
Please provide me with a description of the procedure you used to determine the accuracy and completeness of this disputed information.Enclosed are copies of any relevant documents supporting my position. 
Thank you for your prompt 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 2025-09-04 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: Revolut Technologies Inc.
State: NC

Complaint narrative:
I am a XXXX citizen and XXXX user. On XX/XX/year>, XXXX emailed me automated review questions and requested additional information. I submitted the requested information on the same day ( XX/XX/year> ). Despite fully complying, my account was later restricted on XX/XX/year> for what XXXX described as a standard review. 

Since then, I have been completely locked out of my account and unable to access or receive funds. I immediately reached out to Revoluts in-app support team and repeatedly requested updates, a timeline for resolution, and clarification on whether any documents were required from me. XXXX informed me multiple times that no further information was needed from my side, but also refused to provide any timeline or meaningful update. I later received a XXXX XXXX from XXXX on XX/XX/year>, stating they would not reinstate my account at this time. 

This restriction has caused severe hardship. I rely on my XXXX account to receive money from my family and friends while abroad. Because of this freeze, I have been unable to access any funds. There have been nights where I was forced to sleep outside in XXXX, and I have had to rely on friends to pay for basic food and shelter. This has caused me constant stress, financial insecurity, and significant impact to my well-being. 

I have done nothing wrong with my account beyond receiving legitimate funds from friends and family. XXXX has provided no evidence of wrongdoing, no justification beyond review, and no resolution timeline. 

I am requesting urgent regulatory intervention to : XXXX. Require XXXX to reinstate or release access to my funds. 
XXXX. XXXX XXXX provides transparency and timelines in cases where accounts are restricted. 
XXXX. Consider compensation for the serious hardship this indefinite freeze has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
I am really upset that inaccurate accounts are still listed on my credit report. I reviewed it this morning and immediately noticed discrepancies that shouldnt be there. Even after refreshing my browser, these unauthorized accounts did not disappear. I need this fixed immediately by reviewing the documents I sent so I can finally stop worrying about this problem.

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 2025-09-04 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: TX

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 explanation
Consumer complaint received 2025-09-04 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: TX

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 explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company 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 2025-09-04 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: CA

Complaint narrative:
A late payment has been inaccurately reported on my credit file. My documented payment history confirms all payments were made on time. The false entry misrepresents my financial reliability and must be corrected promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
As must now be obvious, XXXX is completely unreliable and absolutely without concern for their customers and for the financial devastation they inflict. 

If you request the incident reports, you will see that I have spoken with XXXX to XXXX different representatives, all of whom have unreservedly assured me that this situation which is going on for a month after month will be resolved. That they will stand by their stated policy and rectify the situation. 

I have no way of ascertaining whether it is gross incompetence or callous disregard, but this ongoing situation has put me in a tenuous financial position. 

I can no longer simply pay my bills, because I can never be certain when they are going to swoop in and confiscate my funds and leave me once again having to go out and borrow money to cover my bills. 

I can not gain any assurance that this is going to stop because I have been repeatedly given those assurances only to have them repeatedly abrogate the terms of our agreement and their own stated policy. 

I can not pay my bills with confidence, I can not make financial plans going into the future, I am completely at the mercy of a corporation that has absolutely no regard for me as a customer. 

I would like my debt XXXX. I can not live in this constant state of financial uncertainty and anxiety. There should be a price to pay for what I've had to endure at their hands, and I'm quite confident I'm going to have to continue to endure since I have absolutely XXXX XXXX for resolution that I can trust. 

I certainly do not have the power to extricate myself from their clutches, and I do not know if you have the power to effect that.... but I am nonetheless making the request because I do not see how I can go forward providing for my family and staying out of financial peril as long as I am tied to this institution. 

Many thanks for your consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is not being sent in error! 

I have been dealing with unauthorized use of my personal information, which has resulted in fraudulent and inaccurate information on my credit report. I have been disputing with TransUnion since XX/XX/year> without providing any proof to their claims. The errors are still not resolved, there are still many errors and inaccuracies in their reporting of this false information, and my complaint was closed without fixing my issues. 

I have notified them that I am a victim of identity theft as well as pointed out their blatant errors in reporting. 

I am attaching my drivers license, FTC report, and identity theft enclosures to confirm proof of my identity.

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 2025-09-04 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
The derogatory rating currently on my account has created substantial financial difficulties and emotional stress that continue to affect my daily life. This negative mark has already caused concrete harm by leading to the denial of a recent loan application and triggering increased interest rates on my existing credit accounts, resulting in higher monthly payments and additional financial burden. The ongoing presence of this derogatory information severely limits my access to favorable credit terms and financial opportunities, creating a cycle of financial hardship that impacts my ability to meet my obligations and achieve my financial goals.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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:
On XX/XX/year>, I noticed XXXX unauthorized charges on my Goldman Sachs XXXX XXXX : XXXX for {$520.00} and another for {$10.00}, both from the California XXXX. I immediately contacted XXXX XXXX via chat and locked my account. A representative named XXXX assisted me and assured me that I would not be responsible for unauthorized transactions. She replaced my card number and asked me a series of questions to verify the situation : Are you in possession of your physical card or XXXX device? Yes Have you given your device or card number to anyone else? No Do you recognize the merchant or have you done business with them before? Yes ( Ive interacted with the XXXX before, but not for these charges ) Did you authorize or participate in the transaction? No XXXX there any other transactions you do not recognize? No The only possible explanation I can think of is that I used a public airport charging station the day before, and Ive since learned that scammers can compromise phones and cards linked to digital wallets. My Apple Card is the only card linked to my phones wallet. 

XXXX initially reimbursed the charges while they conducted an investigation. Then, on XX/XX/year>, a {$92.00} charge from XXXX XXXX was attempted but declinedlikely because my card number had already been replaced. This further supports that my card was compromised. 

On XX/XX/year>, the original charges of {$520.00} and {$10.00} were re-applied to my account. I was told the investigation concluded that I had authorized the charges, which I absolutely did not. 

I believe the credit card company was negligent in its investigation. There are clear signs that these charges were unauthorized : The charges were made to the XXXX XXXX. The company could easily verify whether the vehicle registration or address associated with those charges matches mineit does not. 
The attempted XXXX XXXX charge just days later shows continued fraudulent activity using the compromised card number. 
I am requesting that the CFPB review this matter and assist in resolving the dispute. I should not be held responsible for these unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this complaint because [ Bank of America XXXX XXXX XXXX XXXX ] has failed to properly investigate inaccurate information that they are furnishing to the credit bureaus. The accounts are : Bank of America Acct ending XXXX and XXXX XXXX Acct ending XXXX and XXXX XXXX Acct ending XXXX These tradelines contain errors that I have already disputed through the bureaus. For example : XXXX XXXX account shows the wrong account number ( XXXX instead of XXXX ), and Bank of America accounts are reported differently across Equifax, Experian, and TransUnion. 

Under 15 U.S.C. 1681s-2 ( b ), once a furnisher is notified of a dispute by the CRA, XXXX are required to conduct a reasonable investigation and correct or delete inaccurate information. That did not happen here. The furnishers simply verified the tradelines without resolving the obvious errors.

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 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon viewing my most recent consumer report, I discovered the presence of bankruptcy entries that should not appear on my credit file. After researching applicable consumer protection laws, I have determined that the reporting of these bankruptcies XXXX constitute a violation of my rights under the Fair Credit Reporting Act, specifically regarding the unauthorized disclosure of my personal information. These bankruptcy entries appear to be the result of identity theft, as I never filed for bankruptcy nor authorized anyone to do so on my behalf. The presence of these fraudulent entries has caused significant damage to my credit profile and has negatively impacted my ability to obtain credit, secure housing, and achieve my financial goals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: FL

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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