vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
I am writing to dispute the unauthorized reinsertion of a previously deleted account on my XXXX  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 2025-08-01 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NJ

Complaint narrative:
I am submitting this complaint regarding these unauthorized third-party accounts that are currently being reported on my credit file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I did not apply for or authorize these accounts, nor did I consent to any agreement, extension of credit, or permissible purpose to report these tradelines. 

These companies are not original creditors and have failed to provide a signed contract or chain of assignment proving ownership or authorization to report on my consumer report. This violates the Fair Credit Reporting Act ( FCRA ) 604, which restricts access and furnishing of credit information without a legally permissible purpose.

Additionally, per FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information must not report inaccurate or unverifiable data. Since no contract, billing history, or debt validation has been produced, this information is considered inaccurate and must be removed. 

I have attached a signed FTC Identity Theft Report affirming these accounts were opened and reported without my consent. I am requesting the immediate deletion of these unauthorized accounts from all credit bureaus. 

Failure to address and resolve this matter XXXX result in further escalation to the FTC and state regulatoryauthorities.

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 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I paid to take golf lessons, everything was by call, due to my schedule I couldn't do the lessons in a month and it took me a month and a half almost XXXX months to finish the first lessons I paid for ( I didn't receive any extra charges during these months ) after that I wanted to stop for a while and they made an automatic charge to my Citibank card with which I paid the first time, I told them that because they had made an automatic charge that I would let them know when I could return to pay for golf lessons, we got into a dispute with my bank and the application and in the end my bank said That I had to pay the money and I paid for it, I never used the lessons because I suffered an injury in my work on my shoulder so logically I could not continue with the golf lessons and I told them, they said that for better customer service they made the automatic charges so that they did not stop in their learning and I told them that better customer service would be if you ask them first if they would like to have automatic payment. They dont pay attention to the true needs of the consumer, like me who told them that I could not have golf lessons because of my lesson on the shoulder, almost a year already Of the second charge they made me and the lessons are there because I can't take them, and now they made me another charge again and I have that money in negative in my debit account and I can't use my card because if money comes in they would take my money. It should be emphasized that when I started the lessons and gave them my card information by call, they never warned me or notified me that they would make automatic charges every month They didn't even ask if I would like to activate autopay as all app services do.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-01 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: NJ

Complaint narrative:
I am filing a formal complaint regarding multiple inaccurate and harmful late payment notations being reported on my credit file by XXXX  XXXX, XXXX ( XXXX ), and XXXX XXXX. These accounts contain factual inconsistencies, reporting errors, and violations of federal reporting standards under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines. 

XXXX  XXXX Account # : XXXX Late payments ( 30, 60, 90 days ) are being reported for XXXX XXXX, while the account also reflects a payment made on XX/XX/year>. TransUnion continues to reflect a past-due balance, whereas Experian lists the account as current. This inconsistency violates FCRA 607 ( b ) ( maximum accuracy ) and is a Metro 2 reporting error. 

XXXX ( XXXX ) Account # : XXXX TransUnion and Experian report 120-day lates while Equifax only reports up to 90 days late. The account is also listed as " Closed due to inactivity '' yet continues to report active delinquencies, which is a Metro 2 violation. 

XXXX XXXX Account # : XXXX This account reflects 120-day late payments on TransUnion and Experian, while Equifax reports only 90 days. Furthermore, TransUnion and Experian report a balance of {$6800.00}, while Equifax shows {$6700.00}. These discrepancies violate FCRA 607 ( b ) and are indicative of incorrect data furnishing.

I have previously disputed these accounts with the credit bureaus, but no corrections have been made. Additionally, these accounts are not marked as in dispute in violation of FCRA 623 ( a ) ( 3 ). The reporting of late payments on closed accounts and conflicting balances across bureaus is damaging my creditworthiness and financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: NJ

Complaint narrative:
I am filing a formal complaint regarding multiple inaccurate and harmful late payment notations being reported on my credit file by XXXX  XXXX, XXXX ( XXXX ), and XXXX XXXX. These accounts contain factual inconsistencies, reporting errors, and violations of federal reporting standards under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines. 

XXXX  XXXX Account # : XXXX Late payments ( 30, 60, 90 days ) are being reported for XXXX XXXX, while the account also reflects a payment made on XX/XX/year>. TransUnion continues to reflect a past-due balance, whereas Experian lists the account as current. This inconsistency violates FCRA 607 ( b ) ( maximum accuracy ) and is a Metro 2 reporting error. 

XXXX ( XXXX ) Account # : XXXX TransUnion and Experian report 120-day lates while Equifax only reports up to 90 days late. The account is also listed as " Closed due to inactivity '' yet continues to report active delinquencies, which is a Metro 2 violation. 

XXXX XXXX Account # : XXXX This account reflects 120-day late payments on TransUnion and Experian, while Equifax reports only 90 days. Furthermore, TransUnion and Experian report a balance of {$6800.00}, while Equifax shows {$6700.00}. These discrepancies violate FCRA 607 ( b ) and are indicative of incorrect data furnishing.

I have previously disputed these accounts with the credit bureaus, but no corrections have been made. Additionally, these accounts are not marked as in dispute in violation of FCRA 623 ( a ) ( 3 ). The reporting of late payments on closed accounts and conflicting balances across bureaus is damaging my creditworthiness and financial stability.

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 2025-08-01 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: GA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-08-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX OF XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX OF XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX XXXX  Date : 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 2025-08-01 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AAA Collections
State: ND

Complaint narrative:
AAA Collections from XXXX XXXX SD, served myself and my ex husband with a summons and complaint regarding several accounts we were never made aware of were owed and do not believe them to be owed. They didn't provide at any documentation to validate the debt. They served us with a summons on XX/XX/year>, that was dated XX/XX/year> and signed by their legal representations. The summons did not include a case number. on XX/XX/year> at XXXX XXXX I called AAA collections per the phone number listed on the summons, for the case number, they didn't have XXXX and said, they have never gotten this request, I asked how am I suppose to respond if they not have a case number to file with the courts, the plaintiff said I need to reach out to the courts. When I reached out to XXXX XXXX XXXX courts office on XX/XX/year> at XXXX pm XXXX, they didn't have a summons on record. They did inform me that they see this a lot as a scare tactic. AAA Collections tried to use a scare tactic called ghost summons in an attempt to scare us to pay a debt they never verified or notified us about and we don't know is even ligament. This is false or improper service and is a violation of our rights according to the Fair Debt Collection Practices Act. and a violation with the State of ND XXXX XXXX by using deceptive collection practices.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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 2025-08-01 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: TX

Complaint narrative:
I purchased an XXXX XXXX XXXX using Apple Card XXXX Installments in XX/XX/XXXX. In XX/XX/XXXX, I traded in the XXXX XXXX Pro to XXXX for an XXXX XXXX Pro, which is also being financed through Apple Card Monthly Installments. Despite the confirmed trade-in, I am still being charged monthly installments for the XXXX XXXX XXXX. 

I submitted proof of the trade-in on XX/XX/XXXX including XXXX XXXX documentation, but the charges continued. I contacted Apple Card ( Goldman Sachs XXXX customer service XXXX XXXX via chat and phone. XXXX separate disputes were filed incorrectly by representatives. I then spoke with a supervisor who acknowledged the errors and instructed me to file a third dispute so it could be done correctly. 

It has been several months, and the billing issue has still not been resolved. I am being charged for a device I no longer possess and properly traded in through XXXX official program. I am requesting that the charges for the traded-in device be removed and that the prior incorrect dispute filings be addressed appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I found an address on my credit report that I have never lived at. I called Experian, and they opened an investigation. They told me that the address was provided by Bank XXXX XXXX and requested that I contact the bank. The Report XXXX is XXXX. 

I then called Bank XXXX XXXX, and their fraud department informed me that they were not aware of this address and that it had never appeared on my account. They asked me to contact Experian and provide my credit card statements to prove that this address was never associated with my account. 

I tried to contact Experian again, but their agent refused to accept any supporting documents and told me to wait for the dispute results. I later received the dispute results, but the incorrect address was not removed from my 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