vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-08 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to express my deep concern regarding several unauthorized accounts associated with my personal information. I have discovered that accounts have been opened in my name without my knowledge, consent, or authorization. This fraudulent activity is not only a violation of my privacy, but it has also caused significant distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: DC

Complaint narrative:
I dont agree with the account listed below which still appears on my credit report, even after your investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit ratings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: MD

Complaint narrative:
Hi, I filed a balance transfer from XXXX XXXX XXXX XXXX to Goldman Sachs, which is my Apple Card. I was informed by APG That the check was cashed on XXXX XXXX. Goldman Sachs still has not been able to find the check. The debit does not reflect on my credit card. The check number is XXXX and amount is {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-04-08 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: OH

Complaint narrative:
Subject : FORMAL DISPUTE & DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT ITEMS UNDER FCRA 605B To Whom It May Concern, I am formally disputing and demanding the immediate removal of unauthorized items from my credit report, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). The following accounts and inquiries were added without my authorization and must be removed immediately in compliance with federal law.

The presence of these inaccurate items has caused irreparable harm, including defamation of character, financial loss, and severe emotional distress. This situation has also negatively impacted my mental well-being and resulted in lost financial opportunities. I demand that this matter be corrected without delay to reflect accurate and lawful reporting. 
Fraudulent Inquiries Subject to Immediate Removal : Unauthorized Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Under FCRA 605B, credit reporting agencies are legally required to block and remove fraudulent inquiries within four ( 4 ) business days of receiving this dispute. Failure to comply constitutes a direct violation of federal law and subjects your agency to civil liability, statutory damages, and legal enforcement actions.

Supporting Documentation Enclosed : Copy of Government-Issued Identification Additional Supporting Documentation ( if applicable ) Legal Notice & Intent to Pursue Further Action If these fraudulent items are not removed within the legally mandated timeframe, I will have no alternative but to : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office.

Pursue legal action against your company for willful noncompliance with the Fair Credit Reporting Act ( FCRA ).

Seek statutory damages of up to {$1000.00} per violation under 15 U.S.C. 1681n and 15 U.S.C. 1681o, plus punitive damages and legal fees.

Immediate Action Required Please confirm in writing that all fraudulent items have been removed and provide me with an updated copy of my credit report reflecting these corrections. If you require further information, contact me directly at the details provided above.

This matter requires urgent attention, and I expect full compliance within the timeframe prescribed by law.

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 2025-04-08 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: MI

Complaint narrative:
I am disputing an account with XXXX XXXX ( Account # XXXX ) that is being reported inaccurately. I never authorized the reporting or sale of this account. It violates FCRA 1681s-2 and XXXX XXXX due to unverifiable and potentially unauthorized reporting. I have contacted the company and request the removal of this item as required by law.

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 2025-04-08 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: NJ

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 2025-04-08 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: DC

Complaint narrative:
I am disputing the XXXX XXXX account on my Equifax credit report. The account is reporting an incorrect past due balance and status, and this information does not match what is reported by the other credit bureaus ( XXXX and XXXX ). 

I attempted to dispute this with Equifax, but their online system required me to update the balance instead of allowing me to request a full deletion due to inaccuracy. When I called, I was told I could not submit any supporting documentation because the dispute was being handled by phone. This limited my ability to properly challenge the account. 

I have already prepared documentation including a dispute letter, proof of identity, and a detailed discrepancy summary showing inconsistencies across the bureaus. However, Equifax has not provided a reasonable process to review these materials or correct the issue. 

This reporting error is negatively affecting my credit and violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain only accurate and verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: AZ

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement

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 2025-04-08 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: LA

Complaint narrative:
I filed a dispute on XXXX XXXX Account number XXXX XXXX XXXX XXXX  due to identity fraud. Equifax denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( Equifax ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Equifax has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a housing. Equifax violates my rights as a consumer, as well as federal laws. 

15 U.S. Code 1681e ( b ), part of the Fair Credit Reporting Act ( FCRA ), requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MS

Complaint narrative:
I am disputing inaccurate information on my LexisNexis reports, including my CLUE ( Comprehensive Loss Underwriting Exchange ) report and public records/judgment information. These errors have resulted in my inability to obtain insurance. 

On XX/XX/year>, I submitted a dispute to LexisNexis requesting an investigation and correction of the inaccurate information. However, LexisNexis either failed to respond within the required timeframe or failed to conduct a reasonable investigation, as the incorrect information remains on my file. 

XXXX Report XXXX : The report contains at-fault claims that do not belong to me and affect my insurance eligibility. I was denied coverage by XXXX due to these claims Some claims are linked to an old address where I no longer reside. 

There are claims listed that I never made. 

Certain claims are over XXXX years old and should no longer be reported per industry standards. 

XXXX XXXX : I don't know these judgments LexisNexis has not provided documentation verifying the accuracy of these records. 

Actions Taken : I contacted LexisNexis on XX/XX/year> to dispute the inaccurate information. 


After waiting the required time for a response, I found that the errors remained, and LexisNexis failed to correct them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on 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 non-monetary relief
Consumer complaint received 2025-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I had an account back in 2020 with chimeXXXX and for some reason they shut my account down for fraud reason. They didnt send a warning or anything that they were going to do so or send any proof of a scam. They closed my account I wasnt able to remove anything from my account. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
RE : Capital One # XXXX In the past I have informed XXXX that this account had fraudulent charges totaling {$6400.00}. I executed an FTC Identity Theft Report regarding those fraudulent charges. The current reported balance is around {$220.00}. After the {$6400.00} is credited back to me, the balance on this account should show a credit of at least {$6200.00}. I say at least because there has been interest charged on top of those fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-04-08 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: Experian Information Solutions Inc.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: NC

Complaint narrative:
I am filing this complaint against XXXX XXXX for engaging in deceptive and unlawful practices relating to the handling of my XXXX loan information, including : - Unauthorized credit reporting - Privacy rights violations under FERPA and federal consumer protection laws- Evasion of accountability via improper referral to StudentAid.gov

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 2025-04-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint against XXXX XXXX for engaging in deceptive and unlawful practices relating to the handling of my XXXX loan information, including : - Unauthorized credit reporting - Privacy rights violations under FERPA and federal consumer protection laws- Evasion of accountability via improper referral to StudentAid.gov

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 2025-04-08 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: NC

Complaint narrative:
I am filing this complaint against XXXX XXXX for engaging in deceptive and unlawful practices relating to the handling of my student loan information, including : - Unauthorized credit reporting - Privacy rights violations under FERPA and federal consumer protection laws- Evasion of accountability via improper referral to StudentAid.gov

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-08 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: EQUIFAX, INC.
State: AZ

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-08 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: AZ

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief