vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " rrting of any. 
information in the file of a consumer that the consumer identifies as informaeasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purpoy report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the repotises. I do not believe any of these permissible purposes apply to the disputed items on mon that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-08 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: NY

Complaint narrative:
On XX/XX/year>, I purchased an item from XXXX XXXX in XXXXXXXX XXXX for {$620.00}. XXXX receipt and posted policy state that unused items may be returned within XXXX days of purchase. 
On XX/XX/year> ( day XXXX ), I attempted to return the item in original, unworn condition. The store refused to accept the return. I obtained a note from the store employee confirming I was there to return the item on that date. 
I filed a dispute with Apple Card ( Goldman Sachs Bank USA ). Despite providing the receipt, policy, and employee note, Goldman Sachs denied my dispute twice. Their position was that no billing error occurred. 
I believe Goldman Sachs has failed to properly investigate and protect me under the Fair Credit Billing Act. A clear merchant policy was violated, I provided evidence, and yet my billing dispute was closed without meaningful review. 
I am requesting that Goldman Sachs reverse the {$620.00} charge and restore the credit to my Apple Card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Hello, On XX/XX/XXXX there were two wires withinminutes of each other. Thefirst for {$3000.00} to a XXXX account in XXXX, whose fraud dept stopped in 1-2 minutes.

Theother was a wire of {$5000.00} taken out of my Chase checking account ending in XXXX. I received a text message stating that if I did not authorize this wire transfer to call their fraud department. I called the fraud department immediately and a claim was submitted under their wire fraud dept., '' US Dollar Wire Transfers Inquiry XXXX, XXXX ''. I was told that on XX/XX/XXXX, I would receive an answer and my money since I did not authorize or approve this wire. On XX/XX/XXXX, I since I did not hear back, I found in my account was a secured letter dated XX/XX/XXXX statingthat my case was closed, that the money left the other bank, no explanation on the reimbursement.Since then, numerous calls, escalationsto the wire fraud managers. Now they say that they investigating for 90 days, but once it leaves the receiving bank, there is only a 10 % chance of recovery. Some have gone as far as to state that online wires are not reimbursed becauseif I bank online that is an automatic authorization of a wire. That is not found in the web pages of Chace at all, but if this is true, they should disclose this. Everywhere I look in the Chase documentation, state that wires not authorized are reimbursed. Depending on who or what department is they added a lot of confusion and misinformation. I have to trust that their written documents onlineis where the truth lies. I am asking for {$5000.00} to be reimbursed, including the wire fee {$25.00}. I spend my day changing all my passwords and emails. 

I have been with Chase for about 25 yrswiththe same account XXXX. Not once have I initiated or authorized a wire out of that account. The only transactions of {$5000.00} were checks or cashier 's checks for earnest money to purchase a home. Thiswire on XX/XX/XXXX should have been flagged and stopped and not allowed out without my authorization, itwas an anomaly. Way smaller amounts, in the hundreds, were flagged by Chaseand they waited for my response before they cleared them in the last 25 yrs. 

XXXX gave me clear instructions, to have a professional clean my pc and laptop. I restored my cells as well.This was completed within 2 days of the incident. I added a vpn and additional securities. I have used two factor authentication for all my accounts for decades and XXXX XXXX as well, occasional use of vpn as well. 

I submitted a report with the Internet Crime Complaint Center, that is the FBI. Filed a police report in XXXX, XXXX Now I will start a fraud report with the FTC . 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I called Navy Federal because I seen that the credit card expiration date was going out. I called to request a new card to be sent out and this is when I was made aware that the account would be closed. I am not sure as their reason for closing the account Because since Ive had the account since XXXX  I have never been late or missed a monthly payment on the account. I find it ironic that you make monthly payments on an account for XXXX consecutive years never missing a payment and then they decide that they want to close the account. They actually took the money from my Credit account or rather from my checking account without my permission and I asked them to put the money back because it was to cover my bills. If they were going to close the account then once the account officially closed, then set up a payment plan with me so that I could pay the card completely off. For the first time since having this account, I have been reported XXXX  days late and I am not XXXX  days late. They made a decision to close the account so I dont understand how they can make a decision to close the account and still consider the account XXXX  days past due. They did not give me a reason why they were closing the account and being that Ive never missed the payment nor been late with a payment. it is hurtful. I explained to them that I was paying off other Credit and paying off cards with higher balances first then I will be able to focus on paying more on this account to get their balance down and they were not willing to work with me to do that. I would like a XXXX  day mark removed and I would also like Credit for paying this account consecutively for XXXX years without missing XXXX payment. Take those XXXX years worth of payments and put them toward the total balance or reopen the card because out of fairness I have not forfeited the card contract. Ive never missed the payment nor have I ever been late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: IL

Complaint narrative:
This is now my third formal request for Equifax to remove fraudulent accounts from my credit report. I have previously submitted disputes under Confirmation Numbers XXXX and XXXX, both of which listed the same disputed accounts but not removed only other items in documentation below for proof. 

Your office acknowledged removal of some items but has failed to address two critical fraudulent accounts : XXXX XXXX  and XXXX XXXX XXXX and have yet removed these items after multiple disputes. These accounts remain on my Equifax credit file even though the other major credit bureaus have already removed them. This omission is directly harming my credit profile and impeding my ability to move forward financially. 

I am a documented victim of identity theft, and these accounts are part of that fraud. I filed a complaint with the Consumer Financial Protection Bureau on XX/XX/year> ( Case # XXXX ), which included my police report, identity theft affidavit, FTC Identity Theft Report, and all supporting documentation confirming that these accounts are not mine and identification of myself. Under this Equifax responded and said that I was a victim of fraud, yet Equifax continues to report these accounts. This is in the documentation below.

This is unacceptable and violates my rights under the Fair Credit Reporting Act ( FCRA ). I am again requesting the immediate deletion of the XXXX XXXX  and XXXX XXXX XXXX accounts from my Equifax credit report. There is also an active dispute on these accounts that I personally initiated with your office via phone on XX/XX/year> and the confirmation is XXXX there is no reason these should be reporting after 30 days. 

I expect written confirmation without delay that these fraudulent accounts have been deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
My personal information may have been compromised due to the XXXX data breach, I have identified XXXX collection accounts on my credit report that must be deleted immediately. My SSN # is XXXX. 
The accounts in question are as follow : On Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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:
My personal information may have been compromised due to the XXXX data breach, I have identified XXXX collection accounts on my credit report that must be deleted immediately. My SSN # is XXXX. 
The accounts in question are as follow : On Equifax credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: TX

Complaint narrative:
Formal Dispute and Request for Reinvestigation Account Number : XXXX Dear Sir or Madam, I am writing to formally dispute inaccurate information regarding the above-referenced account and to request a thorough reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

DISPUTE DETAILS : I dispute the accuracy and completeness of the information being reported on this account for the following reasons : Account balance is inaccurate Payment history contains errors Account status is incorrectly reported Dates of delinquency are wrong Account was not properly validated LEGAL BASIS FOR DISPUTE : Under the FCRA 611, you are required to conduct a reasonable reinvestigation of disputed information. The account information appears to contain inaccuracies that violate my rights under federal law.

REQUESTED ACTIONS : Immediate Investigation : Conduct a thorough reinvestigation of this account within 30 days as required by 15 U.S.C. 1681i ( a ) ( 1 ).

Verification of Debt : Provide complete documentation validating this debt, including : Original signed agreement Complete payment history Chain of custody documentation Legal authority to collect Correction or Deletion : If the information can not be verified as completely accurate, delete all references to this account from my credit reports immediately.

Notification : Provide written confirmation of any corrections made to credit reporting agencies.

NOTICE OF RIGHTS : Please be advised that under the FCRA 616 and 617, failure to comply with reinvestigation requirements may result in liability for actual damages, attorney fees, and statutory damages up to {$1000.00}.

I request that you : Cease all collection activities until proper validation is provided Provide written confirmation of receipt of this dispute Complete your investigation within the statutory timeframe Please send all correspondence to the address listed above. I look forward to your prompt response and resolution of this matter. 

Sincerely, 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 2025-09-08 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: OH

Complaint narrative:
Re : Formal Dispute of Charge-Off Accounts Under FCRA 611 & UCC 3-501 To Whom It May Concern : I am formally disputing the accuracy, completeness, and verifiability of the following charge-off accounts reported on my XXXX  credit file : XXXX. XXXX XXXX  Account XXXX XXXX XXXXXXXX {$970.00} XXXX. XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX {$15000.00} XXXX. XXXXXXXX XXXX XXXXXXXX Account XXXX * XXXX {$32000.00} XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX {$500.00} XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXXXXXX {$200.00} These accounts are being reported as charge-offs without proper validation. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to conduct a reinvestigation and remove any information that can not be verified with original documentation.

Furthermore, under the Uniform Commercial Code ( UCC 3-501 ), I hereby demand presentment of the original wet-ink signed contract and complete accounting records that establish the lawful right to report these debts. If the creditor has sold or assigned the account, they no longer remain standing to verify.

Additionally, I have requested IRS Form 1099-C ( Cancellation of Debt ) from these creditors for the reported charge-offs, which they are legally required to issue under federal tax law when a debt is canceled or discharged. To date, I have not received any such documentation. The absence of a 1099-C calls into question the accuracy and legitimacy of the reported charge-off, and without it, these accounts lack proper substantiation.

Pursuant to FCRA 611 ( a ) and UCC 3-501, please provide me with the following : The method of verification under FCRA 611 ( a ) ( 7 ), includes the name, address, and phone number of the furnisher of information.

A copy of the original signed agreement creating the obligation.

A full accounting from {$0.00} balance to the amount currently reported.

A copy of any IRS Form 1099-C issued regarding these accounts. 

If you can not provide full verification and evidence of lawful reporting authority, these accounts must be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: GA

Complaint narrative:
Hi, pls remve the unauthrized items on my report as a victim of identity theft. Clear thm off in ordr to fix 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 2025-09-08 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: NY

Complaint narrative:
I settled a XXXX XXXX account that had been sold to a third-party debt collector. After the account was resolved and paid in full in XX/XX/year>, XXXX began reporting multiple late payments ( XXXX XXXX  ) and a charge-off on my credit reports. These derogatory marks did not exist prior to settlement and were only added after payment, which is factually inaccurate. 

This violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), which requires furnishers to report information accurately and prohibits the furnishing of information known to be false. XXXX  retroactive reporting of late payments after the account was settled is both misleading and damaging to my credit history. 

I previously disputed this with the credit bureaus under FCRA 611, but the inaccurate reporting remains. As a result, I am being unfairly penalized despite having resolved the account in full.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion : Shows XXXX late payment ( XXXX  days ) in XX/XX/year> Experian : Shows XXXX late payment ( XXXX  days ) in XX/XX/year> Equifax : Shows XXXX late payment ( XXXX  days ) in XX/XX/year> So, each bureau reports XXXX XXXX late, but the month isnt aligned between them this is common because creditors sometimes report differently to each bureau.

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