vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ). Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates ( XX/XX/year> ). Im now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate removal of this item, as it is incorrect and does not reflect my true credit. Experian is being sued for inaccuracy. 
I demand the following collections entries to be deleted of my credit report : The inaccurate account entry is as follows : Creditor Name : XXXX  XXXX Account Number : Unknown Date Opened : XX/XX/year> Balance : {$720.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate removal of this item, as it is incorrect and does not reflect my true credit. Experian is being sued for inaccuracy. 
I demand the following collections entries to be deleted of my credit report : The inaccurate account entry is as follows : Creditor Name : XXXX  XXXX Account Number : Unknown Date Opened : XX/XX/year> Balance : {$720.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this formal complaint regarding inaccurate and misleading information appearing on my credit reports provided by the three major credit bureaus : TransUnion, XXXX, and Equifax, as presented in my recent IdentityIQ credit report dated XX/XX/XXXX. 

After a careful review of my credit file, I am identifying the following discrepancies that require immediate investigation and deletion under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. 

Summary of Inaccurate Information Incorrect Name Variants ( AKAs ) The report lists the following incorrect name variants : XXXX XXXX XXXX XXXX XXXX XXXX These are not legal names I have ever used and are factually incorrect and misleading. 

Employer Information The credit report ( XXXX  section ) lists my employer as XXXX. 

This employer is either incorrect or unverifiable and has no relevance to my current or past employment history. 

Inconsistent Address Formatting Some addresses ( e.g., XXXX XXXX XXXX vs. XXXX XXXX XXXX ) are repeated with inconsistent formatting, which may be considered duplicative or erroneous in the reporting system. 

There are variations in ZIP codes ( e.g., XXXX vs. XXXX ) for the same address, which may affect identity verification or matching. 

Legal Basis for Dispute and Deletion Request Under the FCRA, I am entitled to : The right to dispute inaccurate information ( 15 U.S.C. 1681i ).

The right to an accurate and fair credit report ( 15 U.S.C. 1681e ( b ) ).

The right to request deletion of unverifiable or incorrect data within 30 days.

The inclusion of incorrect name aliases and unverifiable employer information may cause confusion in my identity and misrepresent my credit profile. These errors can unfairly affect my creditworthiness and may lead to adverse decisions by lenders or other parties. 

Requested Action I am demanding that the CFPB : Initiate an investigation with TransUnion, XXXX, and Equifax regarding the disputed entries listed above. 

Ensure that all inaccurate names and unverifiable employer information are permanently deleted from my credit reports. 

Require the bureaus to provide me with written confirmation of deletions and an updated copy of my corrected report. 

Supporting Documentation IdentityIQ Credit Report ( Reference # : XXXX, dated XX/XX/XXXX ) Government-issued ID ( to be uploaded upon submission ) Proof of current address ( to be uploaded upon submission ) Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this formal complaint regarding inaccurate and misleading information appearing on my credit reports provided by the three major credit bureaus : TransUnion, XXXX, and Equifax, as presented in my recent IdentityIQ credit report dated XX/XX/XXXX. 

After a careful review of my credit file, I am identifying the following discrepancies that require immediate investigation and deletion under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. 

Summary of Inaccurate Information Incorrect Name Variants ( AKAs ) The report lists the following incorrect name variants : XXXX XXXX XXXX XXXX XXXX XXXX These are not legal names I have ever used and are factually incorrect and misleading. 

Employer Information The credit report ( XXXX  section ) lists my employer as XXXX. 

This employer is either incorrect or unverifiable and has no relevance to my current or past employment history. 

Inconsistent Address Formatting Some addresses ( e.g., XXXX XXXX XXXX vs. XXXX XXXX XXXX ) are repeated with inconsistent formatting, which may be considered duplicative or erroneous in the reporting system. 

There are variations in ZIP codes ( e.g., XXXX vs. XXXX ) for the same address, which may affect identity verification or matching. 

Legal Basis for Dispute and Deletion Request Under the FCRA, I am entitled to : The right to dispute inaccurate information ( 15 U.S.C. 1681i ).

The right to an accurate and fair credit report ( 15 U.S.C. 1681e ( b ) ).

The right to request deletion of unverifiable or incorrect data within 30 days.

The inclusion of incorrect name aliases and unverifiable employer information may cause confusion in my identity and misrepresent my credit profile. These errors can unfairly affect my creditworthiness and may lead to adverse decisions by lenders or other parties. 

Requested Action I am demanding that the CFPB : Initiate an investigation with TransUnion, XXXX, and Equifax regarding the disputed entries listed above. 

Ensure that all inaccurate names and unverifiable employer information are permanently deleted from my credit reports. 

Require the bureaus to provide me with written confirmation of deletions and an updated copy of my corrected report. 

Supporting Documentation IdentityIQ Credit Report ( Reference # : XXXX, dated XX/XX/XXXX ) Government-issued ID ( to be uploaded upon submission ) Proof of current address ( to be uploaded upon submission ) Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
S

ubject : Identity Theft Dispute Request for Immediate Block of Fraudulent Accounts under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to dispute fraudulent accounts that appear on my credit report due to identity theft. These accounts were opened or used without my knowledge or permission. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, I am formally requesting that you block the reporting of all accounts listed below from my credit file within four ( 4 ) business days as required by law. I have enclosed a valid identity theft report and supporting documentation for your review. FRAUDULENT ACCOUNTS TO BE BLOCKED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$270.00} Status : Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance : {$0.00} Status : XXXX XXXX. XXXX XXXX XXXX ( Charge Card ) Acct : XXXX Opened XX/XX/XXXX Balance : {$12.00} Status : Closed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} Status : Closed Personal Loans XXXX. XXXX XXXXXXXX XXXX XXXX  Acct : XXXX Opened XX/XX/XXXX Secured Loan Status : Closed XXXX. XXXX XXXX XXXX ( Loan ) Acct : XXXX Opened XX/XX/XXXX Unsecured Loan Status : Closed XXXX. XXXX XXXX Acct : XXXX Opened XX/XX/XXXX Secured Loan Status : Closed XXXX. XXXX XXXX XXXX Acct : XXXX Opened XX/XX/XXXX Balance : {$420.00} Status : Closed XXXX XXXX XXXX XXXX XXXXXXXX Acct : XXXX Opened XX/XX/XXXX Secured Loan Status : Closed Collections XXXX. XXXX XXXX XXXX Acct : XXXX Opened XX/XX/XXXX Balance : {$1500.00} Type : Debt Buyer Status : In Collections LEGAL BASIS : 15 U.S.C. 1681c-2 According to the FCRA : A consumer reporting agency shall promptly block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. This must occur no later than 4 business days after receipt of : 1. Proper proof of identity of the consumer, 2. A copy of an identity theft report, 3. Identification of the fraudulent information, and 4. A statement by the consumer that the information is not related to any transaction made by the consumer.

I am enclosing the required documentation to support this request.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
S

ubject : Identity Theft Dispute Request for Immediate Block of Fraudulent Accounts under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to dispute fraudulent accounts that appear on my credit report due to identity theft. These accounts were opened or used without my knowledge or permission. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, I am formally requesting that you block the reporting of all accounts listed below from my credit file within four ( 4 ) business days as required by law. I have enclosed a valid identity theft report and supporting documentation for your review. FRAUDULENT ACCOUNTS TO BE BLOCKED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$270.00} Status : Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance : {$0.00} Status : XXXX XXXX. XXXX XXXX XXXX ( Charge Card ) Acct : XXXX Opened XX/XX/XXXX Balance : {$12.00} Status : Closed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} Status : Closed Personal Loans XXXX. XXXX XXXXXXXX XXXX XXXX  Acct : XXXX Opened XX/XX/XXXX Secured Loan Status : Closed XXXX. XXXX XXXX XXXX ( Loan ) Acct : XXXX Opened XX/XX/XXXX Unsecured Loan Status : Closed XXXX. XXXX XXXX Acct : XXXX Opened XX/XX/XXXX Secured Loan Status : Closed XXXX. XXXX XXXX XXXX Acct : XXXX Opened XX/XX/XXXX Balance : {$420.00} Status : Closed XXXX XXXX XXXX XXXX XXXXXXXX Acct : XXXX Opened XX/XX/XXXX Secured Loan Status : Closed Collections XXXX. XXXX XXXX XXXX Acct : XXXX Opened XX/XX/XXXX Balance : {$1500.00} Type : Debt Buyer Status : In Collections LEGAL BASIS : 15 U.S.C. 1681c-2 According to the FCRA : A consumer reporting agency shall promptly block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. This must occur no later than 4 business days after receipt of : 1. Proper proof of identity of the consumer, 2. A copy of an identity theft report, 3. Identification of the fraudulent information, and 4. A statement by the consumer that the information is not related to any transaction made by the consumer.

I am enclosing the required documentation to support this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/year> Credit Bureaus Notified : Equifax, Experian, TransUnion Previous Contact Methods : Certified letters to the credit bureaus and direct communication with the creditors listed below.

Disputed Accounts : - XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX  Description of the Issue : I am submitting this formal complaint regarding the above-listed credit accounts, which do not belong to me.I have made multiple efforts to resolve this matter:1. I sent dispute letters to all three major credit bureaus ( Equifax, Experian, and TransUnion ) stating that these accounts are not mine.2. I contacted the companies directly requesting verification and the immediate removal of these inaccurate accounts.To date, I have not received any response from the companies involved, and the inaccurate information remains on my credit reports. This is negatively impacting my credit score and causing unjust financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/year> Credit Bureaus Notified : Equifax, Experian, TransUnion Previous Contact Methods : Certified letters to the credit bureaus and direct communication with the creditors listed below.

Disputed Accounts : - XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX  Description of the Issue : I am submitting this formal complaint regarding the above-listed credit accounts, which do not belong to me.I have made multiple efforts to resolve this matter:1. I sent dispute letters to all three major credit bureaus ( Equifax, Experian, and TransUnion ) stating that these accounts are not mine.2. I contacted the companies directly requesting verification and the immediate removal of these inaccurate accounts.To date, I have not received any response from the companies involved, and the inaccurate information remains on my credit reports. This is negatively impacting my credit score and causing unjust financial harm.

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 2025-07-02 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: GA

Complaint narrative:
I have made a complaint with the CFPB against Equifax regarding my public record. I received a letter from Equifax stating that they were unable to locate a credit file in their database regarding me on XX/XX/XXXX and XXXX, 2025, but on XX/XX/year>, I received a letter with confirmation # XXXX stating that my dispute was verified. How can that be if you tell me I have no file with you?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
In XXXX, while I was in modification process, well fargo foreclosed on my loan. I did not miss any payments. Wells Fargo failed to mention my name to any class action lawsuits, neither have I been contacted by Wells Fargo for remediation.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account was charged off on the following date XX/XX/year>, since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name ; 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 non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account was charged off on the following date XX/XX/year>, since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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:
I am filing a complaint against Goldman Sachs Bank USA regarding a disputed transaction on my Apple Card for {$990.00} made to XXXX XXXX XXXX on XX/XX/XXXX. The claim number for this dispute is XXXX. 

On XX/XX/XXXX, I received a promotional offer from XXXX XXXX XXXX promising a treatment plan with the following guarantees : ongoing dental support, easy check-ins, access to their support team, and a XXXX XXXX XXXX I accepted this offer and paid {$990.00} via Apple Card. 

Shortly after, XXXX XXXX XXXX filed foXXXX XXXX XXXXXXXX bankruptcy on XX/XX/XXXX, and they no longer honor any guarantees, including the XXXX XXXX XXXX They are no longer offering support, treatment continuation, or corrections. I provided Goldman Sachs with the promotional email, screenshots from their website acknowledging that they are not honoring the guarantee, communication with the merchant showing refusal to assist, and dental documentation proving the treatment was ineffective. 

I also submitted a letter from my new orthodontist ( XXXX XXXX XXXX ) dated XX/XX/XXXX, confirming the XXXX XXXX XXXX treatment failed and that I had to pursue new treatment through Invisalign at my own expense. 

Despite all this, Goldman Sachs repeatedly denied my dispute, each time resolving it in favor of the merchant. I reopened the claim multiple times. The evidence clearly shows breach of contract, and I believe Goldman Sachs mishandled the investigation. I am requesting that this matter be escalated and reviewed independently under the protections of the Fair Credit Billing Act ( FCBA ). 

Please help resolve this matter and compel Goldman Sachs to refund the {$990.00} for services that were never delivered.

Company response to consumer: Closed with monetary relief