vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am a victim of XXXX XXXX under my name was opened a fraudulent credit card account from apple on XX/XX/year>, account number XXXX. Please help me to dispute this account from XXXX XXXX  and XXXX  credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: NJ

Complaint narrative:
In XX/XX/year>, my account with XXXX XXXX XXXX was closed and written off with a {$0.00} balance. In addition, The balance update XX/XX/year> as ( PAID OFF ) 100 %. The account was later sold to Jefferson Capital Systems. Despite this, the account continues to be reported on my credit report as a repossession/charge-off, which is inaccurate and damaging to my credit history. 
I disputed this issue directly with both the creditor and the credit bureaus and requested documentation confirming the account closure, {$0.00} balance, and transfer to Jefferson Capital Systems. The company has not corrected the inaccurate reporting, and the account continues to be listed incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
I previously submitted a complaint regarding inaccurate, outdated, or unverifiable items appearing on my credit report. Despite providing supporting documentation and referencing my rights under the Fair Credit Reporting Act ( FCRA ), the disputed items remain on my file with no meaningful reinvestigation, removal, or explanation. This continued reporting violates the standards of accuracy and fairness outlined in FCRA 602 ( A ). I have complied with all requirements by submitting a detailed dispute, yet the credit reporting agency has failed to ensure the information is verified or removed. This inaction is contributing to further harm to my credit standing and financial well-being. 
XXXX XXXX * * * * * * * * * * Balance : {$630.00} XXXX XXXXXXXX XXXX XXXX XXXX * * * * * * * Balance : {$510.00} XXXX XXXX XXXX * XXXX * * * * * * * * Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-03 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: PR

Complaint narrative:
I am writing to you as the holder of account number ( Account Number XXXX ) for my credit card, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ).

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2.

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. 
Below are the details of the affected payments : Date of reported late payment : [ Date ] Experian  : XXXX, XXXX, XXXX, XXXX, XXXX Equifax : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 

XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXXXXXX Balance : {$40000.00} XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I applied for a Capital One Quicksilver Credit Card after receiving an invitation letter from the company. My application was declined due to the reason " too many active credit cards. '' However, I was subsequently approved for credit cards with Bank XXXX XXXX and XXXX XXXX in XX/XX/XXXX. 

Since XX/XX/XXXX, I have received XXXX letters from Capital One with different reservation numbers and access codes, inviting me to apply for the same XXXX Credit Card. Initially, I did not wish to apply, but after receiving XXXX additional invitation letters in XXXX, I decided to submit my application again on XX/XX/XXXX. Unfortunately, my application was declined once again for the same reason, " too many active credit cards. '' Additionally, I noticed a decrease in my credit score after the second denial. I called XXXX Ones customer service at XXXX, and spoke with a representative XXXX XXXX, employee ID XXXX ), but she was unable to provide satisfactory answers regarding the reasons for the decline and the continued invitations. 

I am requesting clarification from Capital One on why I continue to receive invitations despite the previous application denials and why my credit card applications were approved by other institutions when Capital One declined my application for the same reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am sending this letter to formally dispute several items on my credit report that are inaccurate, unverifiable, or improperly reported. These errors misrepresent my credit history and negatively impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and correction of these items. 
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  Balance Owed : {$0.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2300.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$1400.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$720.00} Date XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-03 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: NC

Complaint narrative:
I am sending this letter to formally dispute several items on my credit report that are inaccurate, unverifiable, or improperly reported. These errors misrepresent my credit history and negatively impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and correction of these items. 
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  Balance Owed : {$0.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2300.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$1400.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date XXXX Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$720.00} Date XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: TX

Complaint narrative:
I previously submitted disputes to all three major credit bureaus concerning inaccurate account information. One bureau properly conducted a reinvestigation, found the account to be inaccurate, and removed it from my credit file. However, the other bureaus failed to provide adequate verification and appear to have issued what I believe were superficial or frivolous responses. Despite being notified of the discrepancy, they continue to report the inaccurate iteman action that violates FCRA 611 ( 15 U.S. Code 1681i ), which mandates a reasonable reinvestigation of disputed information.

This inconsistent reporting is not only misleading but also harmful to my credit profile. Below are the accounts in question : XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260.00} Dept. of Education / XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$42000.00} FAIR SULOTION :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
I am acting swiftly to protect my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), which explicitly mandates that any information resulting from identity theft must be promptly blocked and removed upon proper notification. There is no room for delay or excuses. This law exists to ensure that victims of identity theft are not further penalized by inaccurate or fraudulent data remaining on their credit reports. By continuing to report this unauthorized information, your agency is not only violating federal law, but actively contributing to the damage of my credit and personal financial standing.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: MS

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I have contacted the companies listed and even sent certified letters, yet I have received little to no helpful response. Many of the phone numbers listed are disconnected, and the companies have failed to provide the documentation that proves I authorized these inquiries, such as a signed credit application or contract. 

Additionally, I believe I am being confused with another individualspecifically, my father, with whom I share the same full name. I am the " XXXX '' ( or " XXXX '' ), and our identities are being mixed in the credit reporting system. This has caused major issues when cashing checks, opening accounts, and accessing services, and has significantly impacted my financial well-being. 

This is a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting the following actions be taken : Remove all unauthorized or unverified hard inquiries from my credit report. 

Correct the mixed file issue and ensure that only my credit activity appears on my report. 

Provide documentation of all reinvestigation results within 30 days, as required by law. 

Enclosed is a copy of my government-issued ID and a recent utility bill for verification purposes. Also included are screenshots or printouts of the inquiries and accounts in question. 

If I do not receive a timely and proper resolution, I will be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I had to use transunion to get a credit score check so I could view this apartment I wanted to look at. Used it paused for the like premium. Forgot about billed me for another month and so I tried to cancel it because my fault whatever moved on assumed it canceled after using the cancellation link. I get billed again so now Im like ok let me tried the cancellation link again and it says successful so once again I assumed it worked. I get billed again for another month so now I call them let them know and the guy I talked to said he didnt see anything from them billing me so Im like ok well I got charged a couple days ago and he tells me to email transunion so I do. I never got a response back. I got charged again today.

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 2025-10-03 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: WA

Complaint narrative:
Good day, I am submitting this follow-up complaint regarding the inaccurate items listed below that continue to report on my credit file in violation of federal law. I am grateful that some of the items in my credit report were removed after my prior dispute ; however, upon reviewing my updated report, I found that several of these inaccurate items remain. 
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 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: OK

Complaint narrative:
This letter serves as a continuation of my prior communications regarding the above-referenced account. I am now providing notice that I have direct proof of unlawful manipulation of this account while it was under dispute. 

On XX/XX/2025, Equifax issued a dispute results letter to me regarding this account. That same day, XXXX XXXX submitted materially altered information, including changes to the balance, charge-off amount, past due amount, and delinquency notations. Equifaxs own dispute results letter acknowledges that additional information has been provided from the original source regarding this item, and the affected fields were modified accordingly. 

This timing proves that XXXX inserted new derogatory data mid-dispute, and Equifax accepted and published it. That is not a lawful verification under the Fair Credit Reporting Act. It is a violation of : 15 U.S.C. 1681i ( a ) ( 2 ) and ( a ) ( 5 ) : Reinvestigation duties require unverifiable or inconsistent information to be deleted, not refreshed with new derogatory data.

15 U.S.C. 1681s-2 ( b ) : A furnisher must investigate and correct inaccuracies, not introduce new inconsistent reporting while the account is formally disputed.

15 U.S.C. 1681e ( b ) : Equifax has an independent duty to ensure maximum possible accuracy. Accepting and publishing mid-dispute alterations undermines that duty. 

Formal Demand In light of the above : Equifax must immediately delete Account XXXX due to unlawful manipulation and the inability of the furnisher to provide consistent, verifiable data. 

Equifax must preserve all XXXX records, internal dispute logs, and communications with XXXX XXXX relating to this account, as they will be relevant to regulators or potential litigation. 

Equifax must confirm in writing that no further data from XXXX will be accepted or published on this account. 

I now have a complete paper trail proving that new derogatory data was submitted mid-dispute and adopted by Equifax, directly violating the FCRA. Failure to correct this will be considered willful noncompliance, and I will have no choice but to escalate to the CFPB, state regulators, and explore all available remedies under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX $ of my paycheck was kept and my account was suspended on XXXX. I called PayPal and the man told me he did not have to tell me why it had been suspended and to not try and call again because they would not release it. I called back next day to speak to someone else who seemed to want to help asked for me to upload docs proving identity and address and promised to escalate release but to give them 8 days after 12 days I called again because funds are still being held and they again stated their back office hadn't done anything she stated she would escalate again and call by end of day I never received the call and funds are still being held. This was detrimental to my credit as I couldn't pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Talk to someone on the phone from LVN and told them I was a victim of fraud. and I wanted the debt removed from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit acceptance has made me a victim of predatory loan practice. They have falsely hike up car loan by XXXX when real balance less than. I am going to file a complaint with Attorney general for false reporting on credit report and abuse of loan practice with secret fees. I have paid off my loan and hour my agreement. They need to honor there's and remove false XXXX off my credit report

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 2025-10-03 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: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. I have contacted the companies listed and even sent certified letters, yet I have received little to no helpful response. Many of the phone numbers listed are disconnected, and the companies have failed to provide the documentation that proves I authorized these inquiries, such as a signed credit application or contract. 

Additionally, I believe I am being confused with another individualspecifically, my father, with whom I share the same full name. I am the " XXXX '' ( or " XXXX '' ), and our identities are being mixed in the credit reporting system. This has caused major issues when cashing checks, opening accounts, and accessing services, and has significantly impacted my financial well-being. 

This is a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting the following actions be taken : Remove all unauthorized or unverified hard inquiries from my credit report. 

Correct the mixed file issue and ensure that only my credit activity appears on my report. 

Provide documentation of all reinvestigation results within 30 days, as required by law. 

Enclosed is a copy of my government-issued ID and a recent utility bill for verification purposes. Also included are screenshots or printouts of the inquiries and accounts in question. 

If I do not receive a timely and proper resolution, I will be filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

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