vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 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: TX

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: VA

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. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: GA

Complaint narrative:
The account for XXXX  Bank was closed on XX/XX/XXXX with a balance of XXXX. They are still reporting to my credit and reported on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have TWO ( 2 ) accounts with XXXX XXXX : ONE : An IRA account TWO : A checking account Merrill Lynch without my written or otherwise authorization transferred all of my IRA account into my checking account! 

Merrill Lynch had disobeyed my strict instruction to re-invest my long held XXXX stock dividends into stock purchases of XXXX stock! Rather than doing THAT Merrill Lynch transferred all my XXXX stock and thus the dividends to my Merrill Lynch checking account! THIS was and is an IMPERMISSIBLE, that is, illegal deposit of money into my checking account as it was and as it IS without my written permission at all! 

Repeated and I mean repeated letters of mine to the XXXX of Merrill Lynch have XXXX alas, proved fruitless, he not even acknowledging any let all alone of them! 

AGAIN : I DID NOT IN WRITING AUTHORIZE THE DEPOSIT OF MY IRA FUNDS AND XXXX STOCK INTO MY CHECKING ACCOUNT!!!!!!

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax , Inc is not producing a credit report for me which has caused me to be denied a mortgage loan. I called each creditor and they stated they are reporting to Equifax , Inc . 

My name is XXXX XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX, MI XXXX, and my employment is XXXX, XXXX XXXX and XXXX XXXX XXXX. 

Provide me a copy of my credit report and explain why your complain deleted my entire file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: 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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-09-01 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 
All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-31 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XX/XX/year> 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 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) 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 ) ( 1 ) 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 four 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 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Revco Management, LLC
State: AR

Complaint narrative:
Revco XXXX XXXX is violating my rights they have not yet provided validation information UNDER 12 CFR 1006.34 ( b ) ( 5 ) yet they placed a collection on my consumer report recently. Also this agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. 

Ive made previous attempts to fix these issues directly with the agency and they are violating my rights. I am entitled to {$1000.00} for every violation I've listed. PAY OR DELETE THESE ACCOUNTS ASAP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX : XX/XX/XXXX SSN : XXXX Phone : XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Third Escalation Identity Theft & Fraudulent Accounts with Goldman Sachs Bank To Whom It May Concern, This is my third escalation regarding fraudulent Goldman Sachs Bank ( Apple Card ) accounts that continue to be reported under my credit file despite my prior disputes and submission of evidence. 
The following accounts are not mine and were fraudulently opened approximately three months after I was XXXX from a XXXX XXXX XXXX  in XX/XX/XXXX : - GS BANK-GM XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - GS BANK-GM XXXX - GS BANK-Apple Card ( additional fraudulent account ) I am including reference to XXXX XXXX official clearance letter ( Exhibit A ) , which confirms I was a victim of identity theft. This, along with the timeline of my XXXX  and XXXX, proves beyond doubt that these accounts are fraudulent. 
Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain and report with maximum possible accuracy ( 1681e ( b ) ), conduct proper reinvestigations ( 1681i ), fulfill your duty as a furnisher of accurate information ( 1681s-2 ), and block identity theft related information upon notice ( 1681c-2 ). 
I hereby demand the immediate and permanent deletion of these accounts from my credit file. Failure to comply within 15 days will result in escalation to the Consumer Financial Protection Bureau ( CFPB ), the Attorney General, and pursuit of legal remedies. 
Please provide written confirmation that these fraudulent accounts have been deleted from my file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates ( PRA ) for multiple serious violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) regarding an account they are attempting to collect. 

The timeline of violations is as follows : * * * On XX/XX/year>, * * I sent a written debt validation request to PRA by certified mail, as is my right under the FDCPA. They received the letter but * * failed to provide any validation * * of the debt. They did not provide a contract, itemized accounting, or proof of ownership. 

* * * On XX/XX/year>, * * despite receiving my validation request, PRA * * continued collection activity * * by sending me an email about the debt. This is a violation of the FDCPA, which requires them to cease collection until they provide validation. 

* Also on * * XX/XX/year>, * * PRA contacted me by email. This violated my * * written instructions * * that all communications were restricted to a specific phone number on Fridays between XXXX XXXX only. 

* Throughout this period, PRA has been * * furnishing inaccurate information * * to the national credit bureaus. They have : * Failed to mark the account as " disputed by consumer, '' which is required by law. 
* Reported conflicting account statuses to different credit bureaus ( e.g., " closed '' with one and " open '' with another ). 
* Falsely listed themselves as the original creditor. 

* * * On XX/XX/year>, * * I sent a formal settlement demand letter to PRA via the CFPB portal, detailing these five violations and offering to settle the matter if they deleted the account. They were given 15 days to respond. * * They completely ignored this formal complaint and did not respond. * * * PRA has * * verified this unvalidated debt * * with the credit bureaus on multiple occasions. When I requested their " method of verification, '' it was revealed they used only a generic billing statement, which is insufficient under the FCRA and does not prove ownership or accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XXXX  XXXX and MIDLANDCRE Account # : XXXXXXXX XXXX XXXX XXXX XXXX are reporting a collection on my credit report that is incorrect. I do not owe this collection and never received required federal disclosures before this collection was added to my consumer report. I refuse to ever pay this debt or admit I am required to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 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 2025-08-31 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:
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. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-09-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
My rights were violated as a consumer under 15USC1681B and I need them blocked and deleted from my report ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX ) Account Number : [ XXXX ) Date of Charge-Off : [ XX/XX/year> ] It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX ) Account Number : [ XXXX ) Date of Charge-Off : [ XX/XX/year> ] It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

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 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TN

Complaint narrative:
Someone went into my account and transferred money without my promisson I did not approve or agree to allow that money to be taken out of my account I even called the cops and pressed charges but my bank won't refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I SENT A DEBIT VALIDATION LETTER TO SPING OAKS CAPITAL LLC ASKING THERE ESTABLISH TO PROVIDE ME SOME FORM OF DOCUMENTATION OR AGREEMENT THAT SHOW THEY HAVE THE LEGAL, RIGHT TO COLLECT ON A DEBIT THAT THERE ESTABLISHMENT IS CLAIMING I XXXX XXXX OWES. SOMETHING THAT I SIGNED GOING IN A BINDING AGREEMENT WITH SPRING OAKS CAPITAL LLC. I HAVE YET TO RECEIVE THAT INFORMATION.

Company response to consumer: Closed with explanation