vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
Dear CFPB, This complaint concerns an alleged collection account reported by Fair Collections & Outsourcing ( FCO ) on behalf of XXXX XXXX XXXX. The account appears as a paid collection on XXXX  and XXXX, but I never received lawful validation or agreement to this alleged rental debt. The collection was added without proper notice, verification, or consent. 

Under FDCPA 809 ( 15 U.S.C. 1692g ( b ) ) and FCRA 1681 et seq., I lawfully requested : A signed lease agreement with XXXX XXXX XXXX bearing my signature Full itemized charges for the debt Proof of assignment or legal transfer of debt to FCO Forward Flow Agreement documentation FCOs license to collect in my jurisdiction Despite my dispute and formal cease and desist notice under FDCPA 805 ( c ), FCO has continued reporting to credit bureaus. This is a clear violation of both FDCPA and FCRA, particularly : FCRA 1681e ( b ) failure to ensure maximum possible accuracy FCRA 1681s-2 ( b ) failure to correct or delete inaccurate information after dispute FDCPA 1692d harassment by continuing collection attempts after notice This tradeline is based on a rental debt, which is frequently mishandled by third-party collectors and requires strict documentation due to tenant-landlord protections. I never received any legally sufficient debt validation nor agreed to the alleged amount.

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 2025-08-01 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: FL

Complaint narrative:
This account was reported as fraudulent and removed from my credit report. I see that the company has reported it on my credit file again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: AR

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
VYSTAR CREDIT UNION is falsely reporting on my credit. I have never had any accounts with them. Per my research VYSTAR CREDIT UNION is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-08-01 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: PA

Complaint narrative:
On XX/XX/XXXX, I submitted my second dispute and identity theft report under 15 U.S.C. 1681c-2 ( a ), demanding that you permanently block fraudulent accounts from my credit file. Despite providing all required documentation, Equifaxs response stated that you are " not blocking information pursuant to Section 605B ( c ). '' Your refusal to block these accounts is illegal, negligent, and willful noncompliance with federal law. 
The accounts in question are : XXXXXXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXXXXXX XXXX Account ending in XXXX Under 15 U.S.C. 1681c-2 ( a ) and 1681c-2 ( c ), Equifax is required by law to block disputed information resulting from identity theft within four ( 4 ) business days of receiving proper proof. Your continued reporting of these fraudulent accounts violates not only Section 605B ( c ) but also your duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ). 
Courts have repeatedly held that failure to act after notice of dispute is grounds for substantial statutory and punitive damages : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) A superficial investigation violates FCRA obligations. 


XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX to report false data after notice is actionable as willful noncompliance. 


XXXX v. Equifax XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) Courts awarded damages for Equifaxs failure to correct errors despite clear evidence.

Equifax is now on written notice that I intend to pursue all legal remedies available, including but not limited to : Civil lawsuit seeking statutory damages ( {$1000.00} per violation ), punitive damages, and attorneys fees under 15 U.S.C. 1681n and 1681o.

Additional CFPB and FTC complaints citing repeated, willful noncompliance.

Filing a complaint with the Pennsylvania Attorney General for deceptive and unfair practices under state law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: MD

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments that appear to be inaccurate. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and the creditors have failed to provide me with satisfactory validation of these disputed items. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-08-01 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: NV

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments that appear to be inaccurate. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and the creditors have failed to provide me with satisfactory validation of these disputed items. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2025-08-01 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: FL

Complaint narrative:
I am writing to demand immediate action regarding the inaccuracies and unverifiable information reflected on my credit report. After thoroughly reviewing my report, I have identified the following accounts that you have failed to substantiate as accurate or legitimate : XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX Under 15 USC 1666B, it is unlawful for a creditor to report a payment as late if they have not ensured the periodic statement, containing the necessary details as per section 1637 ( b ), was mailed or delivered to the consumer at least 21 days before the due date. The creditors associated with these accounts have failed to meet this statutory requirement. As such, all reported late payments must immediately be corrected to reflect on-time payments. 
Furthermore, I have experienced unlawful adverse actions by lenders, violating 15 USC 1691c and 15 USC 1692k. These actions are punishable under civil liability laws. Discrimination in credit decisions, as outlined in 15 USC 1691, is strictly prohibited. Additionally, unauthorized hard inquiries have been placed on my consumer report, despite my never granting consent for their disclosure or use. Such actions violate 15 USC 1681b, and I demand the immediate removal of all unauthorized hard inquiries and any inaccurate personal information from my report.

Reporting any unverifiable information is illegal under federal law. Per 15 USC 1692g, you are required to provide tangible proof that I am legally obligated to these accounts. Your failure to provide such documentation constitutes a violation of the FCRA and FDCPA, and I remind you that any data not independently verified must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: NY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} INQUIRIES : XXXX Date : 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 explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
I originally submitted a fraud dispute with Navy Federal on XX/XX/XXXX, regarding {$3600.00} in unauthorized XXXX-related charges on my debit card. I received a partial response on XX/XX/XXXX, and then a denial message on XX/XX/XXXX stating only that the transactions matched spending patterns without any explanation or supporting documentation. 

On XX/XX/XXXX and XXXX, XXXX, I received multiple XXXX authorization codes via notification, which are typically required to complete in-app purchases. I did not use them and ignored them entirely, as I was not actively using the platform. On XX/XX/XXXX, I discovered that unauthorized charges had been made despite my lack of activity and initiated a fraud dispute the same day. 

On XX/XX/XXXX, I submitted a formal appeal and follow-up inquiry requesting a full explanation and reconsideration of the decision. On XX/XX/XXXX, a representative confirmed that my appeal had been forwarded to the security team. As of XX/XX/XXXX business days after the appeal was escalated I had not received a resolution or written denial. 

My formal appeal was submitted on XX/XX/XXXX, and included Regulation E references and evidence of minimal XXXX usage during the fraud window. In response, Navy Federal sent a vague message expressing empathy but did not provide a valid denial or issue provisional credit, despite being legally obligated to do so. 

Under Regulation E ( 12 CFR 1005.11 ), financial institutions must complete a dispute investigation within 10 business days or issue provisional credit if it remains unresolved. Navy Federal failed to do either. Instead, on XX/XX/XXXX, I received a message stating provisional credit is not issued during the appeal process, which directly contradicts federal law. 

I spoke to multiple representatives who gave contradictory answers, including that my case was closed, denied, under review, or forwarded. I provided documentation ( screen time records and eMessage history ), followed up multiple times, and received no transparency or formal response explaining their findings or the evidence used. 

I am requesting that Navy Federal be required to issue a full refund of {$3600.00}, or at minimum, provide provisional credit retroactively in compliance with Regulation E. Their handling of this matter has caused significant financial stress and appears to violate federal consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Have .pdfs to attach that describes the issue ( s ) in detail written by my son. Deals with Delta American Express SkyMiles Platinum card. I am old. Have not used AMEX card for many years, since XXXX. Without me verifying and activating receipt of my card, AMEX on an ACH basis has billed my XXXX XXXXXXXX XXXX Account Unknowingly for MANY years without me actually using the card. 
Got my bank involved, XXXX XXXX XXXX concerning ACH payments. In XX/XX/XXXX AMEX Card ending XXXX was CANCELED. 2 years of {$250.00} annual payments were re-imbursed through XXXXXXXX XXXX after negotiations with AMEX. AMEX re-opened my credit card and RE-charged the {$500.00} ( XXXX {$250.00} ) to it. AMEX claims card was not canceled until XX/XX/XXXX. THIS IS A LIE by AMEX. AMEX CARD was CANCELLED XX/XX/XXXX and they have audio recordings attesting to this. They have been ILLEGALLY charging me interest, penalties & late fees since XX/XX/XXXX. 
AMEX letter sent XX/XX/XXXX detailing late fees, interest, etc. This is the FIRST TIME I became aware of what AMEX had done.

Amex Card was CANCELED. AMEX ILLEGALLY re-opened closed credit card account and re-charged the {$500.00} they said they would pay.

This ORIGINAL {$500.00} has grown to {$940.00}! 
Have made XXXX ( 'countless ' ) calls to AMEX to resolved issue amicably. AMEX sent bill after they said they WOULDN'T to Collections Agency, XXXX XXXX XXXX on XX/XX/XXXX. With incorrect address and other information from XXXX XXXX XXXX, AMEX THEN sent to ANOTHER Collections Agency, XXXX. 
Have filed disputes with AMEX, XXXX, XXXX and XXXX XXXX XXXX  very recently ) disputing charge ( s ). Have been dealing with this issue for XXXX Months!! 
I am at my wits end and getting the RUN-AROUND all the parties mentioned above! Please help. Have .pdfs submitted below detailing what has been happening!! Please read them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: FL

Complaint narrative:
I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
XXXX XXXX XXXX, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year> Additionally, I request the removal of all unauthorized inquiries related to this identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-08-01 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: NV

Complaint narrative:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Goldman Sachs has engaged in improper credit reporting, unlawful charge-off handling, and bad-faith collection behavior in direct violation of : Fair Credit Reporting Act ( FCRA ) 623 ( furnisher accuracy and dispute duties ) Consumer Financial Protection Act ( CFPA ) 1036 ( prohibition against deceptive or abusive practices ) OCC regulatory guidance on the treatment of charged-off accounts.

The account in question was charged off by Goldman Sachs. Despite this, Goldman Sachs continues to : Report this tradeline in a way that misrepresents its true status, harming my credit profile and future creditworthiness.

Allow improper postcharge-off collection activity, which is inconsistent with their obligations under federal banking regulations. 
Fail to provide a clear accounting or validation of the debt upon dispute.

This is not an error of ignorance. This is a bad-faith pattern designed to stall, intimidate, or extract payment from consumers for debts that are inaccurately reported and subject to federal dispute protections.

Harm Suffered : Because of Goldman Sachs misconduct, I have : Suffered ongoing credit score damage from a misreported tradeline.

Lost opportunities for credit approval and favorable terms.

Been forced to spend time and resources filing disputes and complaints to correct what Goldman Sachs should have corrected voluntarily.

This harm is compounded by Goldman Sachs willful refusal to comply with their duties as a furnisher of credit data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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