vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. CXXXX XXXX ) says ( 1 ) 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 TILA US CXXXX XXXXXXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-05-06 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account is not mine this the fourth time i have attempted to rectify this situation it has been deleted and posted back on my file four different times i demand that i be deleted under the FCRA law 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-05-06 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: TX

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution. 
ACCOUNTS XXXX XXXX XXXX {$3700.00} XXXX {$11000.00} XXXX {$2100.00} XXXX {$1600.00} XXXX {$1700.00} XXXX {$130.00} XXXX XXXX {$3500.00} XXXX XXXX {$1800.00} XXXX {$410.00} XXXX XXXX {$2400.00} XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution. 
ACCOUNTS XXXX XXXX XXXX {$3700.00} XXXX {$11000.00} XXXX {$2100.00} XXXX {$1600.00} XXXX {$1700.00} XXXX {$130.00} XXXX XXXX {$3500.00} XXXX XXXX {$1800.00} XXXX {$410.00} XXXX XXXX {$2400.00} XXXX XXXX XX/XX/year> XXXX 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 2025-05-06 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: AK

Complaint narrative:
On XX/XX/scrub>/25 I received an email from Apple Card Support stating that I have a payment due of {$9.00}. However I don't have an open Apple Card and my account with them closed a few years back.

Needless to say this is ridiculous. I contacted Apple Card Support who sent me to Goldman Sachs where I placed a dispute for this obviously incorrect charge. After putting in my dispute I received a notice on XX/XX/year>25 that the charge is going to remain on my account. 

The same account that has been closed for years. 

This needs to be taken off as it could affect my credit. How can I be charged on a closed credit card account?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have 2 transactions in dispute with Cash App. I tried purchasing an animal out of state for one of the transactions, the other transaction was for a crate rental and my animal was never sent out or received on my end. And I've tried contacting the seller via email and no response whatsoever. I even attached both files of conversations. Via email with the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
This is a follow-up and escalation request regarding two prior complaints already submitted against Navy Federal Credit Union XXXX 
Complaint # XXXX, filed XX/XX/year> Complaint # XXXX, filed XX/XX/year> Despite providing full documentation including military orders, XXXX XXXX verification, and military ID Navy Federal continues to ignore my request for reconsideration of a late payment reported in XX/XX/year>, which occurred during a documented period of active-duty military service. 

In their response through their internal message system dated XX/XX/year>, XXXX XXXX only provided a generic XXXX explanation, stating they can not remove items from a credit report once reported. This completely ignores my actual request, which was to review the matter under : Military hardship accommodations XXXX  credit reporting discretion And any other servicemember-specific internal policies Navy Federal claims to support This reported late payment has now resulted in the denial of a home loan preapproval for my family. This is causing real harm while I am still on XXXX XXXX and trying to secure stable housing for my XXXX XXXX XXXX 

XXXX XXXX has failed to respond in good faith to XXXX previous CFPB complaints, failed to provide any detailed review or explanation, and failed to acknowledge the service-related nature of this hardship. 

I respectfully request that this matter be escalated to the XXXX XXXX XXXX XXXX, and that Navy Federal be required to provide a full explanation of how they reviewed the case, what policies were considered, and why they are denying relief despite the clear service-related context. 

I am doing everything in my power through proper channels and feel I am being ignored by an institution that claims to support servicemembers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$24000.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$66.00}, XXXX XXXX XXXX XXXX Balance : {$7500.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TX

Complaint narrative:
Ive reviewed my credit report and found an account listed that I do not recognize and have never been associated with. This account is completely unknown to me, and I have no idea why its showing up on my file. Its clear that this is a case of mixed or incorrect data, and it does not belong on my report. Whether its due to a reporting error, a misidentification, or incorrect linking of someone elses information to mine, it needs to be addressed now.

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 2025-05-06 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:
XXXX accessed my credit report without telling or asking me on XX/XX/year>. I did not authorize this action. 

Equifax failed to properly investigate multiple complaints into my XXXX unauthorized inquiry dispute. Dispute investigations seemed to have been completed using an automated system and there was no option to provide supporting documents for review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
My personal and financialinformation was compromised without my authorization. The Family Education Rights of Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

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 2025-05-06 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: Nelnet, Inc.
State: GA

Complaint narrative:
My personal and financialinformation was compromised without my authorization. The Family Education Rights of Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TN

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
When applying to refinance our home loan through XXXX XXXX it was found out that XXXX XXXX was an authorized user on a card for XXXX XXXX. Thats already in debt counseling with guardian litigation. XXXX took XXXX off as an authorized user and was asked to get a letter from the company saying what date that happened so his credit report could be corrected. After three phone calls that totaled about two hours they refuse to give the information or the letter it said that something they dont do. They said refer to the statement that its on there, but its not. The account is now closed for XXXX to access online data. It is still in the credit counseling stage with guardian litigation. 

this is what XXXX our mortgage lender is requesting for XXXX XXXX. 

I need a written statement confirming that I have been removed as an authorized user from credit card account ending in XXXX. My mortgage lender requires the exact wording : 'XXXX  has been removed as an authorized user on this account. ' Please understand this is a critical condition for mortgage approval. '' I tried to call Bank Of America credit counseling again today to see if I can get information to escalate this and its only recordings and will not let you talk to a person. 

This escalation path did not work part of it is filing the complaint. 
Even though front-line reps are refusing, Bank of America can issue a letter, but it usually requires escalation. Heres how : Escalation Paths Executive Customer Relations : Call BofAs Office of the CEO at XXXX. 
Ask to speak to the Credit Bureau Reporting Department directly.

File a complaint via CFPB if they continue to refuse ( XXXX  ) BofA typically responds within 710 days and often provides written confirmation when pushed through that channel. 

The number that was phoned above goes to the credit counseling department. It doesnt even go to the CEO. 

Thank you so much. We just need this letter to be able to proceed with refinance of our home. Thank you, XXXX XXXX. 

XXXX XXXX address is XXXX XXXX XXXX XXXX CO XXXX. The letter would need to be mailed to XXXX. Ss number is 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 2025-05-06 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: IL

Complaint narrative:
I am writing to formally dispute my federal student loan accounts that's being reported on Transunion, Equifax, and Experian with inaccuracies, and different account information acorss all three credit agencies. I request a full discharge and account removal from my credit reports due to a breach of my personal and financial information. My information was compromised without my authorization which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; my student records were disclosed without my consent violating ferpa 's confidentiality protections. Breach of the privacy act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization violating my privacy rights under federal law. Violation of the higher education act ; As a student loan borrower my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. breach of contract and negligence ; the entity responsible for safeguarding my data and failed to do so, putting my financial security at risk. and unauthorized disclosure to third parties

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
I am writing to formally dispute my federal student loan accounts that's being reported on Transunion, Equifax, and Experian with inaccuracies, and different account information acorss all three credit agencies. I request a full discharge and account removal from my credit reports due to a breach of my personal and financial information. My information was compromised without my authorization which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; my student records were disclosed without my consent violating ferpa 's confidentiality protections. Breach of the privacy act of 1974 ; My personal and financial information was improperly accessed and shared without my authorization violating my privacy rights under federal law. Violation of the higher education act ; As a student loan borrower my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. breach of contract and negligence ; the entity responsible for safeguarding my data and failed to do so, putting my financial security at risk. and unauthorized disclosure to third parties

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