vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am writing to file a complaint against XXXX XXXX, issued by XXXX XXXX Bank, due to the sudden and unjustified restriction of my credit card account, my Apple Card was unexpectedly restricted, preventing me from making any new purchases or accessing my available credit. Despite my repeated attempts to contact XXXX XXXX 's customer service, I have not received a clear explanation for this action, nor have they provided a timeline for resolving the issue. I have consistently made payments on time and maintained a good credit standing, with no recent changes in my financial circumstances that would warrant such a restriction. This restriction has caused significant inconvenience and financial strain, as I rely on my XXXX XXXX for essential purchases and bill payments. I request that the CFPB investigate this matter and compel XXXX XXXX to provide a transparent explanation for the restriction, reinstate my credit privileges, and ensure fair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
I have recently disputed the inaccurate reporting of late payments on my credit report with the XXXX major credit XXXX, Equifax, and XXXX FCRA XXXX ( 15 U.S.C. 1681i ). The disputed information involves my XXXX XXXX XXXX account and XXXX XXXX account, which are reported as being late. However, this information is incorrect. 
XXXX XXXX XXXX : The Experian credit report inaccurately indicates I was 30 days late in XX/XX/year>, despite the fact that I have been making timely payments. TransUnion and Equifax correctly reflect this account as " Paid as agreed. '' XXXX XXXX : The Experian credit report inaccurately indicates that I was " 60 days past due. '' I resolved the balance by XX/XX/year>, but this inaccurate information is still reflected. 
I have provided supporting documentation to both the credit bureaus and the furnishers to show that this information is incorrect. However, despite this, the credit bureaus have failed to conduct a reasonable reinvestigation under the required XXXX period, and the inaccurate information remains on my credit report. This is a direct violation of my rights under FCRA XXXX ( 15 U.S.C. 1681i ).

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 2025-09-12 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX  FCU XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Good day, filing this complaint to follow up my previous letters that I'm requesting for correction or update of the accounts listed below. I am firmly convinced that the reporting of these accounts is inaccurate, resulting in a negative impact on my credit standing. Despite my diligent efforts to recall any interactions with these accounts, I have found no evidence of conducting business with them or receiving any services. This discrepancy raises concerns about the accuracy and validity of the reported items. The following are the accounts that I request to be investigated and updated : XXXX  FCU XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8300.00}

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 2025-09-12 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:
Good day, I am writing to follow up on my previous letter where I requested the XXXX credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, XXXX, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX balanced {$180.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX NA XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was reviewing my credit report and noticed inquiries that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$590.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened XX/XX/XXXX -Balance {$210.00}

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 2025-09-12 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: KY

Complaint narrative:
I reviewed my credit report in detail and was deeply concerned to find multiple inaccuracies that do not accurately reflect my true financial history. I have always made a conscientious effort to meet my financial obligations on time, maintain responsible credit behavior, and manage my accounts diligently. Despite my careful management, several accounts on my credit report are being reported in ways that are inconsistent, misleading, incomplete, or unverifiable. This misreporting not only misrepresents my creditworthiness but also has the potential to negatively impact my ability to secure credit, housing, employment, and other opportunities. In light of these issues, I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and respectfully request a thorough and comprehensive reinvestigation of the items outlined below. 
XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Original creditor XXXX  XXXX XXXX XXXX XXXX XXXX : {$730.00} XXXX XXXX XXXX Original creditor XXXX  XXXX XXXX XXXX XXXX XXXX : {$730.00} XXXX XX/XX/year>

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-09-12 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: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-09-12 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:
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. 

Please delete the following accounts : XXXX  - XXXX XXXX  XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX  XXXX XXXX Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX, XXXX, XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on [ date ] and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( A ) ( XXXX ) 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. I kindly request that you block this information from my credit report within XXXX business days.

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 2025-09-12 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: CA

Complaint narrative:
I am filing this complaint against XXXX XXXX Services for inaccurate and unlawful credit reporting. 

I opened my XXXX XXXX XXXX account in XX/XX/XXXX and maintained it responsibly. In early XXXX, I discovered a billing error and immediately filed a dispute with XXXX, as I am entitled to do under federal law. While my billing dispute was under investigation, XXXX wrongfully reported my account as 60 days late in XX/XX/XXXX and XX/XX/XXXX. 

This reporting is false and unlawful. Under 15 U.S.C. 1666a ( Creditors Restrictions During Dispute ), a creditor can not report an account as delinquent while a billing dispute is unresolved. Under 15 U.S.C. 1666 ( Correction of Billing Errors ), the creditor is required to investigate and resolve the billing error before reporting delinquency. XXXX violated both of these protections. 

Because of XXXX actions, Experian, Equifax, and TransUnion are now showing derogatory entries on my credit file that misrepresent my payment history. The records now reflect a worst delinquency of 60 days late, even though these late marks were reported during the billing dispute period and should not exist. 

These actions also trigger my rights under FCRA XXXX ( 15 U.S.C. 1681i ), which requires the credit bureaus to correct or delete any inaccurate or unlawful reporting. The delinquency entries in question are both inaccurate and unlawful under federal law, and they continue to cause harm to my credit profile. 

As part of my submission, I have attached payment confirmation records as supporting documentation. These records further prove that the account should not have been reported as 60 days late while under billing dispute.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hello Sir/Madam My name is XXXX XXXX I am a resident of XXXX XXXX XXXX XXXX XXXX XXXXXXXX and I am the rightful owner of the personal and financial information associated with this complaint. I was a victim of the Equifax data breach, publicly acknowledged by Equifax in XX/XX/XXXX, which exposed the sensitive personal and financial information of millions of individuals, including mine. As a direct result of the data breach, fraudulent accounts were opened or attempted to be opened in my name without my authorization. The following accounts are fraudulent and have been added to my FTC complaint. XXXXXXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX - {$0.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX {$78.00} Closed XXXX XXXXXXXX Reported : XXXX. XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX - {$160.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed ALSO HARD INQUIRIES I DO NOT RECOGNIZE Transunion and Experian XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX AXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX & XXXX XXXX  Inquiry : XX/XX/XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX/ Inquiry : XXXX XXXX, XXXX I have filed an identity theft report with the Federal Trade Commission XXXX FTC XXXX and have included the fraudulent accounts listed above. A copy of this report is attached for reference. Equifax failed to adequately safeguard my sensitive personal information, which led to these fraudulent activities. This constitutes a violation of their duty to protect consumer information under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). Under the FCRA, consumers have the right to : Dispute inaccurate information on their credit reports ( 15 U.S.C. 1681i ). Expect credit reporting agencies to take reasonable steps to verify disputed information ( 15 U.S.C. 1681s-2 ). Be free from negligence in handling their credit information ( 15 U.S.C. 1681n and 1681o ). Equifax is obligated to ensure reasonable measures are in place to prevent unauthorized access to personal and financial data, as per federal guidelines for safeguarding sensitive consumer data.

Company response to consumer: Closed with non-monetary relief