vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: PA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$990.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$820.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$140.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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:
I see that unauthorized inquiries are still appearing on my credit report today, and I have no idea why. Refreshing my browser did not remove them. I urgently request that the documents I submitted be reviewed carefully so I can stop worrying about this once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: AR

Complaint narrative:
I deny ownership of these accounts and request deletion within the required 15-day period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
Review the enclosed materials, given the inquiries arrived without prior warning and may not be approved.

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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A-L FINANCIAL CORP
State: AZ

Complaint narrative:
I am formally disputing this debt and requesting validation. I have not received documentation establishing that this debt is valid, accurate, or that A L Financial Corp has the authority to collect it. No original contract, payment history, or proof of assignment has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: VA

Complaint narrative:
Apple Card ( Goldman Sachs ) has denied multiple fraud and non-delivery disputes while refusing to provide any proof of purchase or merchant documentation. 

The disputed charges include airline tickets, merchandise, and unknown merchants dating from XX/XX/XXXX through XXXX, totaling {$1600.00}. None of these charges were authorized by me or any authorized user. 

For XXXX transaction ( Rose-Feels, {$130.00} ), I provided emails from the merchant acknowledging non-delivery and directing me to check with the post office. No delivery confirmation was ever provided. 

Despite repeated requests, Apple Card has failed to provide documentation such as proof of purchase, delivery confirmation, IP address data, or evidence linking me to the transactions. 

Apple Card also closed my account while fraud claims were still pending and then marked the disputed charges as valid solely due to account closure. This violates Regulation Z ( 12 CFR 1026.12 and 1026.13 ), which requires a reasonable investigation regardless of account status. 

I am requesting that Goldman Sachs be required to : Provide all merchant documentation Reopen and properly investigate all disputes XXXX charges lacking proof of authorization Correct any balances or reporting associated with these charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: RI

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-12-16 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: TX

Complaint narrative:
Please reexamine this entryit may contain late-night errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Previous complaint # XXXX XXXX  has not closed the account that they claim I own. I received this email invoice which proves they still have my information and open account. 

I request this governing agency demand they remove all personal information they have obtained regarding me. ( Your response to them will carry much more weight than anything I say to them. )

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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-12-16 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: WI

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax failed to handle their investigation and reinvestigation on removing XXXX XXXX XXXX from my account in a timely manner, something that stretched well beyond a year. They expresses that they recently removed the information, but that does not remove the damages that it caused, as well as costing my time and credit health and reputation. They reported it verified, then had said they had no record, but then deleted the account. In my final demand letter that was sent in XXXX, I clearly stated how Equifax had violated my consumer rights. This seemed to be ignored and only handled with a simple deletion after being threatened with a lawsuit. This admission of guilt, along with the paper trail of evidence proving how detrimental this entire process has been, especially with the proof of not properly reinvestigating, would potentially award me the original proposed amount of {$18000.00} in damages and violations. Final attempt in negotiation for a settlement in lieu of {$9500.00} instead of the previous requested to avoid any litigation in the legal system. It has been proven in several court cases that Equifax has been previously guilty in mishandling consumer information and this demonstrates just that.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: AZ

Complaint narrative:
I am formally requesting the immediate removal of the unauthorized transactions and inaccurate information appearing on my credit report. These errors are the direct result of a data breach that compromised my personal and financial informationan event entirely outside of my control. Despite repeated attempts to resolve these issues, I am still being forced to deal with the consequences of reporting failures that should have been addressed long ago. 

The continued presence of these incorrect and unauthorized entries, even after clear evidence of a data breach, is unacceptable. Your mishandling of my information is actively damaging my credit score, jeopardizing my financial security, and limiting my ability to access essential opportunities. I will not continue to tolerate this level of negligence. 

I demand that you immediately conduct a thorough investigation and permanently remove all erroneous information. Any further delay, inaction, or refusal to correct these items will be regarded as a direct violation of my consumer rights. If necessary, I will pursue all legal remedies available under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and any other applicable laws to hold your organization fully accountable.

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 2025-12-16 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: MA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following items on my credit report. The accounts listed below contain inaccuracies and incomplete information, which I request to be corrected or removed. 

Charged Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: GA

Complaint narrative:
In XXXX a debt collector ( First Federal Credit Control ( FFCC ) ) began reporting a collection for a roofing dispute ( original creditor : XXXX XXXX XXXX ) for {$1800.00}. I had already paid the contractor substantial amounts and withheld only the portion tied to specific line items that were billed but not performed/provided : gutter detach/reset, satellite dish reinstall/alignment/calibration, and ridge-cap materials billed beyond what was purchased/installed. I have documentary and photo evidence showing the gutters and satellite dish work were not performed and that ridge-cap materials were not purchased in the billed quantity ( purchase order + manufacturer coverage data ). 

In late XX/XX/year>, I submitted a written dispute and request for validation to the collector, including documentation. The collector acknowledged my dispute and provided a response from the contractor, but continued collection activity and furnished the account to credit bureaus as an unpaid collection with the same balance. 

In XX/XX/year>, both XXXX XXXX XXXX completed reinvestigations and left the tradeline unchanged as verified/accurate based on the collectors certification, while modifying only status/balance dates and adding a generic dispute notation. The disputed balance remains inaccurate because it includes charges for work/materials not provided. 

I am requesting that the collector ( 1 ) provide full validation and an itemized accounting with proof the disputed services/materials were provided, and ( 2 ) correct or delete any credit reporting for disputed/unverified amounts.

The collector is attempting to collect and report amounts not supported by documentation and not expressly authorized for unperformed work/materials.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: GA

Complaint narrative:
These inquiries appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-12-16 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:
These accounts are inaccurate and should be removed within 15 days in compliance with federal 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 2025-12-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-16 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-16 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: CO

Complaint narrative:
I dispute the validity of these accounts and request deletion within the 15-day period required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
Can you proofread this entry? It was completed late.

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 2025-12-16 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: SD

Complaint narrative:
I am disputing the accuracy of the following accounts and inquiries on my TransUnion credit report. These items appear to be inaccurately reported, and I request that you investigate them to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late Payment : XXXX Account Number : 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 2025-12-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: GULF COAST COLLECTION BUREAU, INC.
State: PA

Complaint narrative:
I was called by an agent from the company who said there would be criminal action against me if I didn't pay the debt which is in excess of 10 years ago.

Company response to consumer: Closed with explanation