vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 
I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX  XXXX Late Date Reported XX/XX/year> These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. 
Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-16 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

This is a formal complaint against APPLE CARD/GS BANK USA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. 
Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

APPLE CARD/GS BANK USA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
The property located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX is jointly owned. A HUD lien modification was made XXXX times on the mortgage loan without the knowledge or consent of XXXX of the record owners. The loan servicer, PennyMac, processed this modification based on information provided by the borrower alone, without verifying or obtaining consent from all owners of record as required by HUD guidelines. Despite being a co-owner on the deed, I was not notified or asked to approve the loan modification. Additionally, proper written foreclosure notice was not provided to all owners of record before foreclosure proceedings began. These actions have caused significant harm, including obstruction of a court-ordered sale and the initiation of foreclosure without my consent or proper notice. I dispute the validity of the loan modification and request investigation into the servicers compliance with HUD rules and state law regarding owner consent and foreclosure notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NY

Complaint narrative:
Improper Reinsertion ( FCRA 611 ( a ) ( 5 ) ( B ) ) TransUnion previously deleted certain collection accounts from my credit file.

These same accounts were later reinserted without any written notice to me within the required XXXX business days, nor was I provided the furnishers certification of accuracy. 
This violates the FCRAs reinsertion procedures. 
XXXX. Failure to Verify/ Provide Documentation ( FCRA 609, 611 ) Neither XXXX XXXX XXXX nor XXXX XXXX XXXX has ever provided original signed contracts, purchase history, or chain of title. 
They continue reporting after investigations that consisted of no actual verification beyond automated data feeds. 
XXXX. Time-Barred Debt ( XXXX Statute of Limitations ) In XXXX XXXX , the statute of limitations on consumer credit debt is 3 years. 
The accounts below stem from first delinquencies in XXXX. Any attempt to collect or report these accounts as collectible violates XXXX  law and constitutes deceptive and unfair reporting. 

Accounts in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account ending XXXX Balance {$1800.00} Opened XX/XX/XXXX Original creditor XXXX XXXX XXXX 
Account ending XXXX Balance {$5300.00} Opened XX/XX/XXXX Original creditor XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX  Account ending XXXX Balance {$800.00} Opened XX/XX/XXXX Original creditor XXXXXXXX XXXX XXXX XXXX 

Relief Requested : Immediate deletion of these accounts from my TransUnion file, with confirmation they will not be reinserted again without full compliance with the FCRA. 
Confirmation that TransUnion, XXXX XXXX, and XXXX XXXX are prohibited from re-reporting these accounts absent verifiable documentation ( original signed contract, chain of title, full payment history ). 
Investigation by the CFPB into XXXX reinsertion practices and XXXX continued reporting of time-barred and unverifiable accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: MD

Complaint narrative:
I am disputing the XXXX account reporting on my credit file. Attached is a copy of my credit report showing clear contradictions between all 3 bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: MD

Complaint narrative:
I am disputing the XXXX account reporting on my credit file. Attached is a copy of my credit report showing clear contradictions between all 3 bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: NJ

Complaint narrative:
Dear Sir/Madam, While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Attached are copies of my state ID. 
Warm Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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 disputing the accuracy of multiple accounts that are being reported as charge-offs. Several of these accounts reflect questionable balances, inconsistencies, or {$0.00} balances while still showing derogatory charge-off status.For XXXX XXXX the account reflects a {$0.00} balance but is still coded as charged off, which is misleading and damaging.For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , the balances reported do not match my records, and no proper validation has been provided to confirm the accuracy of these amounts.Reporting these as charge-offs without full verification results in inaccurate and unfairly harmful reporting, lowering my creditworthiness and creating barriers to obtaining fair credit, housing, or other financial opportunities. 
Under federal law, furnishers are obligated to ensure that the information they report to consumer reporting agencies is accurate, complete, and verifiable. Continuing to publish unverifiable charge-off data constitutes noncompliance with those obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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 disputing the accuracy of multiple accounts that are being reported as charge-offs. Several of these accounts reflect questionable balances, inconsistencies, or {$0.00} balances while still showing derogatory charge-off status.For XXXX XXXX the account reflects a {$0.00} balance but is still coded as charged off, which is misleading and damaging.For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , the balances reported do not match my records, and no proper validation has been provided to confirm the accuracy of these amounts.Reporting these as charge-offs without full verification results in inaccurate and unfairly harmful reporting, lowering my creditworthiness and creating barriers to obtaining fair credit, housing, or other financial opportunities. 
Under federal law, furnishers are obligated to ensure that the information they report to consumer reporting agencies is accurate, complete, and verifiable. Continuing to publish unverifiable charge-off data constitutes noncompliance with those obligations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: OK

Complaint narrative:
It is very upsetting that these inaccurate accounts continue to remain on my credit reports and were never removed. I beg that the documents Ive provided be checked thoroughly so I can finally be free from this ongoing burden that has been weighing me down.

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 2025-09-16 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:
This is unfair, illegal, fraudulent, and inequitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: FL

Complaint narrative:
It has been years I have been trying to figure this put but don't have the info on my account I have been blocked from cash app and I want to get all money from there around my ssi number give to me, it is my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: VA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), I am requesting that this item be investigated and either corrected or removed from my credit report. I have enclosed supporting documentation that substantiates my claim, including : unfamiliar charges on my credit report Please reinvestigate this matter and send me written confirmation of the results of your investigation. If the information is found to be inaccurate, please ensure that it is corrected or deleted from my credit file and that updated reports are sent to all credit reporting agencies to which you You may contact me at XXXX or email listed above if you need additional information. I would appreciate your prompt attention to this matter, and I expect a response within the 30-day time frame as required by the FCRA provided this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Consumer Financial Services Solutions, Inc.
State: MO

Complaint narrative:
I enrolled with Beyond Finance in XX/XX/year> to help manage my unsecured debts. I was told that they would negotiate with my creditors and that my payments would be applied toward settlements. Instead, my creditors were not paid, and I am now facing lawsuits and bankruptcy. 

During this process : Beyond Finance withdrew funds from my account that were not applied to my debts. 

They failed to communicate effectively with my creditors, leading to default and legal action. 

They misrepresented their ability to resolve my debts, which has caused me financial harm and emotional distress. 


What Happened : I made regular payments to Beyond Finance totaling approximately XXXX Despite this, my creditors did not receive payments or resolutions were not made that was reasonable payment, and I was sued by at least XXXX creditor. I paid XXXX in fees to Beyond Finance. To my knowledge they paid only XXXX towards creditors. That left XXXX in my dedicated account which they removed and said I had more fees when I got upset that I was getting sued and resolutions wasn't made then I canceled asking for that money back. They made up XXXX different fees. That equaled that amount. 

I have now dropped Beyond Finances services and must file for bankruptcy, even though I paid them in good faith. 


Resolution Requested : A full accounting of all funds I paid to Beyond Finance. 

Refund of the funds that were not applied to my debts. When I canceled I had XXXX in my account. They then said I all the sudden had fees I owed but couldn't explain what for. They only charge fees for making resolutions which they already had took the fees for all the resolutions made. Also monthly fees of XXXX and XXXX for other things. However it looks like they took those fees out twice a month. They wiped out my account and didn't refund me and gave me another statement after I had XXXX that showed my balance the day before I canceled. They showed XXXX different fees taken without reason or resolutions made. I canceled because I'm getting sued by a creditor. I was paying them the XXXX of my capabilities and expressed that several times. They tried to get me to add more money that I did not have to make resolutions and in the beginning, assured me that what I was paying in would be enough then the more they took the more it wasn't. 

An investigation into Beyond Finances practices to protect other consumers. 


I trusted Beyond Finance to help me resolve my debt, but instead their actions left me in a worse position financially. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS, I GET STRESSED. I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Stellantis Financial Services US Corp.
State: MD

Complaint narrative:
I made a settlement deal with First Investors to pay {$9000.00} by XX/XX/XXXX. I also have a written agreement that the status of the loan would be paid - settled for less. On XX/XX/XXXX, I received notification from all bureaus that first investors reported the account as charged off. This loan is in my name and my sisters name - XXXX  XXXX. My personal credit score dropped XXXX points. My sisters credit dropped over XXXX points. They have not responded to my emails to retract the reporting and assistance to restore our credit. This is defamation by definition.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : 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 response to consumer: Closed with explanation