vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am disputing multiple accounts on my credit reports that are inaccurate, misreported, or do not belong to me. I have previously disputed these accounts with the credit reporting agencies, but they have failed to correct or remove the incorrect information in violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, the following accounts contain significant errors : XXXX. [ XXXX  XXXX XXXX ] This account was closed in XX/XX/year>, yet late payments are reported beyond this date, and the status differs across bureaus. It continues to reflect inaccurately on all three credit reports. 
XXXX. [ XXXX XXXX XXXX ] This collection account shows different statuses, dates, and balances across TransUnion, Equifax, and Experian. I have disputed this multiple times and provided evidence, yet it remains uncorrected. 
XXXX. [ XXXX ] I have no knowledge of this account. It appears to be fraudulent or reported in error. 
XXXX. [ XXXX Credit Card ] The reporting of this account varies across bureaus. There are reporting discrepancies in dates and balances. 
XXXX. [ XXXX XXXX XXXX XXXX ] This account shows inconsistent reporting across the bureaus, including different payment statuses and dates of delinquency. 
XXXX. [ XXXX XXXX ] Status is inconsistent with actual account history and closure date. 

These accounts are negatively impacting my credit and financial wellbeing. I request that the CFPB initiate an investigation and ensure that the credit bureaus and data furnishers correct or remove these accounts as required under the FCRA and other applicable consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing multiple accounts on my credit reports that are inaccurate, misreported, or do not belong to me. I have previously disputed these accounts with the credit reporting agencies, but they have failed to correct or remove the incorrect information in violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, the following accounts contain significant errors : XXXX. [ XXXX  XXXX XXXX ] This account was closed in XX/XX/year>, yet late payments are reported beyond this date, and the status differs across bureaus. It continues to reflect inaccurately on all three credit reports. 
XXXX. [ XXXX XXXX XXXX ] This collection account shows different statuses, dates, and balances across TransUnion, Equifax, and Experian. I have disputed this multiple times and provided evidence, yet it remains uncorrected. 
XXXX. [ XXXX ] I have no knowledge of this account. It appears to be fraudulent or reported in error. 
XXXX. [ XXXX Credit Card ] The reporting of this account varies across bureaus. There are reporting discrepancies in dates and balances. 
XXXX. [ XXXX XXXX XXXX XXXX ] This account shows inconsistent reporting across the bureaus, including different payment statuses and dates of delinquency. 
XXXX. [ XXXX XXXX ] Status is inconsistent with actual account history and closure date. 

These accounts are negatively impacting my credit and financial wellbeing. I request that the CFPB initiate an investigation and ensure that the credit bureaus and data furnishers correct or remove these accounts as required under the FCRA and other applicable consumer protection laws.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously disputed a XXXX XXXX XXXX XXXX account ( # XXXX ) and requested full validation under 15 USC 1692g and 15 USC 1681i. The furnisher failed to provide required documentation ( contract, itemized statements, or proof of collection authority ), yet the bureaus marked the dispute as resolved by data furnisher and continue reporting the debt as charged off.

This is a misrepresentation and non-compliance with federal law. I am requesting immediate removal of the unverifiable account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I previously disputed a XXXX XXXX XXXX XXXX account ( # XXXX ) and requested full validation under 15 USC 1692g and 15 USC 1681i. The furnisher failed to provide required documentation ( contract, itemized statements, or proof of collection authority ), yet the bureaus marked the dispute as resolved by data furnisher and continue reporting the debt as charged off.

This is a misrepresentation and non-compliance with federal law. I am requesting immediate removal of the unverifiable account.

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 2025-08-02 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your 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 2025-08-02 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-08-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX  XXXXXXXX I was never late on this account, please remove late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
XXXX XXXX  XXXXXXXX I was never late on this account, please remove late payment history.

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 2025-08-02 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I just recently opened a new checking account with Wells Fargo. I am being denied the access to bank online. I have spoken with numerous representatives concerning this matter. The representatives refuse to file the complaint online concerning this matter. The representatives claim that my telephone number isn't eligible for text messages, which make no sense at all. I will also reach out to the CEO or corporate staff at Wells Fargo the next business day.

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 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: WV

Complaint narrative:
I use the Apple Card, which is operated by Goldman Sachs. On XX/XX/XXXX, I was less than XXXX hours late paying my XXXX statement. As a result, I was charged an interest fee of {$91.00}, which I understood. On XX/XX/XXXX after I paid the full statement balance, I contacted the Apple Card customer support, and requested a XXXX time courtesy to remove the interest fee. I was not granted this courtesy, but they did give me a {$25.00} partial refund of the fee. 

On XX/XX/XXXX, I paid my full XXXX statement balance, but was still charged an interest fee of {$56.00}. I didnt understand why, so I contacted the Apple Card support again, and they claimed that it was trailing interest from my late payment on XX/XX/XXXX. I was confused, since I paid the full balance from XXXX on XX/XX/XXXX, less than XXXX hours after the due date, so I shouldnt have had any interest accruing after that time. But the customer support agents believed that the interest accruing was actually from the XXXX statement balance ( which I paid on time ), which began to accrue interest on XX/XX/XXXX as some sort of penalty for not paying my XXXX balance on time. 

This was not how I understood that trailing interest should work, and I struggled back and forth with the support agents without success. I escalated to a manager, and asked for the fee to be removed, but they refused, and claimed that it was because I had already been granted a waiver on XX/XX/XXXX for {$25.00} of the original interest fee. 

I have had many different credit cards over the last 20 years, and have only had a few late payments in that time. So I can remember all of them, and Ive never been charged interest fees TWICE for a single late payment. This seems wrong, or at the very least unnecessarily punitive. 

I dont believe I should be charged two months of interest fees for a single late payment, especially one which was less than XXXX hours late. Id like someone to help me review this fee to see if this is truly correct and legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Adjustment Service, Inc.
State: CT

Complaint narrative:
There is a collection agency called Diversified Adjustments that is claiming that I owe them XXXX. This agency has appeared on my credit report with XXXX XXXX XXXXn. I submitted a dispute with XXXX XXXX XXXX  about this saying I did not open this account. The result with XXXX  is claiming the account belongs to be. I should mention the original creditor before Diversified Adjustments was XXXX XXXX. I believe my identity was stolen and used to create this account in my name. I have no knowledge of this account at all. There was another collection agency before this that claimed the same thing with the XXXX amount called XXXX XXXX XXXX. This agency appeared on all XXXX of my credit reports. I submitted a dispute with all XXXX of them and it was successfully removed from all XXXX credit reports because it was fraudulent.I do not believe a proper investigation was done with Diversified Adjustments. The account number they claim is mine is account # XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year> I received an unsolicited {$1.00} payment through XXXX  from someone I do not know. I did not initiate this transaction and have no relationship with the sender. 

After removing all of my linked funding sources ( bank account and credit card ), I attempted to close my XXXX  account, but XXXX  will not allow account closure while there is a remaining balance, in this case, the unsolicited {$1.00}. 

I attempted to send the {$1.00} to a charity or back to the sender, but XXXX system blocks this unless I verify my identity with a driver 's license. I am not comfortable submitting personal ID documents just to resolve an account I no longer want and did not use inappropriately. 

I contacted support and asked them to remove the balance and close the account manually. They refused to do so without ID verification.

I am requesting that XXXX  ( a PayPal service ) manually remove the unsolicited {$1.00} balance and permanently close my account without requiring additional documentation. This situation feels like a trap and a privacy overreach, especially considering the payment was unsolicited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: KY

Complaint narrative:
b'Pursuant to my rights under Section 605C of the Fair Credit Reporting Act (FCRA), I am formally disputing and requesting the permanent removal of the following adverse information from my credit report within four business days. These entries are a direct result of a XXXX XXXX situation of which I am a confirmed victim.\n\nUnder the FCRA 605C, these entries should be removed as they are the result of XXXX XXXX and not reflective of my personal financial decisions. Please conduct the necessary review and remove the identified information from my file. I respectfully request written confirmation once this has been completed.\nThank you for your prompt assistance in this matter.\n\nAdverse Tradelines to Remove:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am disputing an account reported by American Express that I have repeatedly challenged on the basis of identity theft. A formal FTC Identity Theft Affidavit was submitted, along with a police report, yet American Express continues to report this debt and has not provided adequate validation of the alleged account under FCRA 609 ( a ) ( 1 ).

They have refused to honor their obligation to fully investigate under FCRA 611, and I believe this represents a willful violation of my consumer rights. Their responses so far have placed the burden entirely on me without meeting their duty to conduct a reasonable investigation. 

Additionally, the alleged account was opened during a period when I was a confirmed victim of identity misuse, which has been documented. Any continued reporting of this information is causing material harm and violates XXXX XXXX credit reporting standards. 

I am requesting immediate removal of this account from all consumer reporting agencies. Please escalate this matter and enforce compliance with the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the FPB regulatory authority.

American Express has failed to fulfill its legal responsibilities and continues to report this derogatory trade line with no proper resolution or validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
In XX/XX/year> I purchased a vehicle and secured a loan with Santander. I totaled the vehicle XXXX weeks later. My car insurance company XXXX XXXX and XXXX  XXXX  ended up covering all costs. All XXXX credit bureaus are showing different dates for late payments. I never even got the chance to make XXXX car payment due to totaling the vehicle weeks after getting it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On or around XX/XX/year>, Navy Federal Credit Union closed all of my accounts and sent the balances to collections, despite the fact that I receive 100 % VA XXXX compensation. These funds are protected under 38 USC 5301 from garnishment, levy, or seizure by creditors not collecting for child support, alimony, or federal debt. I did not authorize the use of these funds for debt collection. Ive notified the company, but they continue to report this as a valid debt, damaging my credit. This is a violation of federal protections and Im requesting immediate correction and removal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation