vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: CO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-14 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: OK

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block 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 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 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 2025-07-14 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: CO

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-14 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am writing to formally express my disappointment and concern regarding a promotional offer I received and fulfilled, but for which I have not received the promised reward. 

On XX/XX/year>, I received an email from Apple ( Goldman Sachs ) stating that if I was approved for an Apple Card and spent {$1500.00} within XXXX  days, I would receive a {$300.00} reward via Apple XXXX. I was approved for the Apple Card on XX/XX/year>, and between then and mid-XXXX, we spent well over the required amount. Furthermore, we promptly paid off the balance in full. 

However, the promised {$300.00} reward was never credited to my account. Upon contacting customer service on XX/XX/year>, I was told that although the account had exceeded {$1500.00} in spending, only {$1400.00} was attributed to me personally. The remainder of the spending, more than {$300.00}, was attributed to my wifes card, which was a duplicate card issued under the same account. Because of this, I was informed that we would not qualify for the reward. 

I find this extremely disappointing and misleading. Nowhere in the promotional material was it clearly stated that the spending had to be exclusively on the primary cardholder 's purchases. The duplicate card was offered as a feature of the account, and we used it accordingly, with all charges ultimately billed to and paid from the same account. 

This experience feels, at best, like a very deceptive promotion, and at worst, like an outright scam. I respectfully request that this issue be reviewed and reconsidered. I fulfilled the spirit and intention of the offer, and I believe it is only fair that the reward be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: SC

Complaint narrative:
Because of TransUnion, Equifax and Experian willful violations of my credit file I was denied on 2 different occasions needing a grant for personal, family, and household use.

I am filing this complaint against all three nationwide consumer reporting agencies : Experian, Equifax, and TransUnion. I have submitted multiple disputes concerning inaccurate, outdated, and unauthorized information appearing on my credit file.

Each time I submit a dispute, I receive the same generic response, such as verified or no change will be made. There is no supporting documentation or explanation proving a reasonable investigation was conducted in compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ). These generic replies are not tailored to my dispute and appear to be automated responses, which violate my rights under the law. 

Additionally, some of the information reported on my file was done without my written authorization, violating 15 U.S. Code 1681b, which requires a permissible purpose for obtaining or reporting my consumer data.

Due to the agencies failure to correct or remove this inaccurate and unauthorized information, I have now been denied credit twice, which has directly harmed my ability to secure funding, access capital, and sustain my current mode of living.

The Congressional findings under 15 U.S.C. 1681 ( a ) clearly state that inaccurate credit reports damage the consumer and the banking system. These agencies are violating that principle by failing to exercise fairness, accuracy, and proper reinvestigation. 

Lastly, I reference the definition of investigative consumer report under 15 U.S.C. 1681a ( y ) ( 2 ), which includes data that reflects a consumers mode of living or character, typically gathered through interviews or actual inquiry. There has been no such effort in my case. 

I am requesting : A full reinvestigation of all disputed items Removal of all unauthorized or unverifiable information Disclosure of how the items were verified Compensation or further consideration due to the harm of credit denial That the CFPB investigate this pattern of conduct as a potential systemic violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Because of TransUnion, Equifax and Experian willful violations of my credit file I was denied on 2 different occasions needing a grant for personal, family, and household use.

I am filing this complaint against all three nationwide consumer reporting agencies : Experian, Equifax, and TransUnion. I have submitted multiple disputes concerning inaccurate, outdated, and unauthorized information appearing on my credit file.

Each time I submit a dispute, I receive the same generic response, such as verified or no change will be made. There is no supporting documentation or explanation proving a reasonable investigation was conducted in compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ). These generic replies are not tailored to my dispute and appear to be automated responses, which violate my rights under the law. 

Additionally, some of the information reported on my file was done without my written authorization, violating 15 U.S. Code 1681b, which requires a permissible purpose for obtaining or reporting my consumer data.

Due to the agencies failure to correct or remove this inaccurate and unauthorized information, I have now been denied credit twice, which has directly harmed my ability to secure funding, access capital, and sustain my current mode of living.

The Congressional findings under 15 U.S.C. 1681 ( a ) clearly state that inaccurate credit reports damage the consumer and the banking system. These agencies are violating that principle by failing to exercise fairness, accuracy, and proper reinvestigation. 

Lastly, I reference the definition of investigative consumer report under 15 U.S.C. 1681a ( y ) ( 2 ), which includes data that reflects a consumers mode of living or character, typically gathered through interviews or actual inquiry. There has been no such effort in my case. 

I am requesting : A full reinvestigation of all disputed items Removal of all unauthorized or unverifiable information Disclosure of how the items were verified Compensation or further consideration due to the harm of credit denial That the CFPB investigate this pattern of conduct as a potential systemic violation

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-14 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 have not supplied proof under the doctrine of estopper by silence, Engelhardt Gravens ( mo ) 281 SW 715, 719 1 Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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 letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-14 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Im writing this complaint based on the inadequate communication attempts to rectify my unresponsiveness to the monthly Credit Card payment increase. As far as I can tell the increase began in XX/XX/year> and has continued to XXXX. This is when it became apparent that there was an issue. Given my lack of response over the first XXXX months, I would have expected a more valiant effort to contact me other than emails. In my defense I dont read every email that hits my inbox. Credit Card email communications are typically offers and pending payments. The delay in not using other means of communication is unacceptable, especially given the nature of the issue and the impact ( financially and Credit rating ) it has had. Given my history of timely and ongoing payments as a longstanding customer, I would appreciate a prompt and decisive response outlining the steps being taken to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
This letter serves as a formal demand for the immediate removal of inaccurate, unverifiable, and unauthorized information from my credit report, in strict compliance with federal laws! Under the Fair Credit Reporting Act ( FCRA ) and other pertinent legislation, I have the indisputable right to maintain an accurate credit report and to dispute any entries that lack legitimacy or proper verification. 


XXXX  XXXX XXXX. FCRA Section 605B, 15 U.S.C. 1681c-2 - Block of Information Resulting from Identity Theft * * In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ), I am formally demanding the immediate blocking of the aforementioned account as it is a direct result of identity theft. Enclosed is a copy of the identity theft report filed with [ insert law enforcement agency ] on [ insert date ]. You are REQUIRED BY LAW to block this information within XXXX ( XXXX ) BUSINESS DAYS of receiving this request. Failure to comply will leave me no choice but to take further action against your agency, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. 
* * XXXX. FCRA Section 604, 15 U.S.C. 1681b - Permissible Purposes for Furnishing Consumer Reports * * The fraudulent and unverified nature of the account in question highlights a blatant violation of permissible purposes for furnishing consumer reports. I demand that you REMOVE this information immediately to rectify this significant legal infringement. 
XXXX of XXXX * * XXXX. Gramm-Leach-Bliley Act ( GLBA ) - Protection of Personal Financial Information * * The protection of my personal financial information is paramount. Your failure to uphold the tenets of the Gramm-Leach-Bliley Act in safeguarding my sensitive data is unacceptable. I insist that you take IMMEDIATE action to ensure my information is not compromised further. 
# # # Demand for Immediate Action 1. Delete or Block the Disputed Information : * * I demand that you DELETE or BLOCK the disputed information without delay.

* * 2. Verification Documentation : * * Should you dispute my claims, I demand you provide verifiable documentation to substantiate the accuracy of the reported information.

* * 3. Permissible Use Inquiry : * * A thorough review of the permissible use of my consumer report must be conducted. Any unverifiable accounts must be swiftly removed. 
Your prompt compliance with these demands will not only adhere

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 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX XXXX XXXX ] Account Number : [ XXXX XXXX  - XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ 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