vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: OH

Complaint narrative:
On XXXX2025, I opened the GS Apple Card inapp chat to confirm my payment status. Representative XXXX assured mein writingthat I was only two days late according to the system. I thought I was approaching the 30 day late mark, but she addressed this specifically and confirmed it was 2 days late. A second inquiry on XXXX produced the same soothing response from another agent. I could, it seemed, take a breath knowing I was far from 30 days. 

In reality, those reassurances were fatally wrong : the account was already exactly 30 days past due when I reached out, and had I been informed and not given false information, I would have paid immediately! The illusion shattered on XXXX, when an automated email announced the balance was 38days late. I paid in full that afternoon. During a followup chat and call, XXXX acknowledged that the earlier agents had misled me and opened a dispute with the credit bureaus, promising the late mark would be removed, as seen in the chat logs. 

That promise dissolved into bureaucracy. On XXXX, XXXX, and XXXX, GoldmanSachs issued denials : payment was 30days late. Each letter recited the outcome while ignoring the causeGS/Apple 's own misinformation. When I telephoned for details, frontline staff could see a case number but could not explain what evidence had been submitted ; twice they cited the wrong dispute premise altogether. The bank had, in effect, admitted fault yet refused to repair the damage it created. I have re-escalated the case 5+ times, each time they promise they will resolve this and make it right, but so far, they haven't.

Thank you for investigating this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed that there is a fraudulent account on my credit report. Please delete the fraudulent account as it is affecting my ability to obtain credit.

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 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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 inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: CL Holdings LLC
State: GA

Complaint narrative:
I've gotten calls from XXXX XXXX XXXX that i am not aware of at all. For {$3700.00} account # XXXX XX/XX/XXXX from a debt buyer. They won't give me d information about the original account setup or dates. 

I've gotten calls from XXXX XXXX XXXX asking to collect {$790.00} from cXXXX XXXX XXXX from XX/XX/XXXX account # XXXX I did not authorize and have no knowledge of this account and how it's un my name, I called them and they can't give me information on the account or dates account was setup. 

I am not aware of XXXXXXXX XXXX XXXXXXXX charged off on XX/XX/XXXX account # XXXX for the amount of {$1000.00}. I asked for information on original account holder and dates. I did get this information from the debt collector, it was not the original debt collector. 

I am not aware of XXXX XXXX XXXX opening an account in my name closed on XX/XX/XXXX account # no provided. 

I see a closed account that I'd charged off on my account from XXXX XXXX XXXX, for {$500.00} account # XXXX closed on XX/XX/XXXX charged off for the amount of {$360.00} written off. I called to get more information and can't give I information on the account and accurate dates. 

Ther are 12 hard inquiries on my credit report I did not authorize, that have not been removed from my credit I have no knowledge of or how they appeared in my credit report. I did not run my credit at anytime for theses different companies

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MD

Complaint narrative:
This is a legitimate and urgent complaint that requires immediate action. My credit report contains inaccurate information that clearly violates the standard of maximum possible accuracy. These errors are causing significant and ongoing harm to my personal and financial well-being. I demand a prompt, thorough investigation, and I expect all inaccuracies to be corrected or removed without delay. This matter is not just important it is critical and must be resolved immediately.

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 2025-06-17 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 recently review a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report fourteen fraudulent account ( s ) appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a credit card opened at XXXX XXXXXXXX under the account XXXXXXXX XXXX XXXX XXXX a credit card opened at XXXX XXXX under the account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX a credit card opened at XXXX XXXX under the account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, a credit card opened at XXXX XXXX XXXX XXXXXXXX under the account XXXXXXXX XXXX XXXX XXXX XXXX  a credit card opened at XXXX XXXX under the account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX a credit card opened at XXXX XXXX under the account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, an unsecured loan opened at XXXX XXXX under the account XXXXXXXX XXXX XXXX, an auto loan opened at XXXX XXXX under the account XXXX XXXX a collection account opened at XXXX XXXX under the account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a collection account opened at XXXX  XXXX under the account XXXXXXXX XXXX XXXX XXXX, a collection account opened at XXXX XXXX under the account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a collection account opened at XXXX XXXX under the account XXXXXXXX XXXX XXXX, a collection account opened at XXXX XXXX under the account XXXXXXXX XXXX and a collection account listed as UNAUTHORIZEDCOLLECTION ( potentially erroneous or fraudulent ) opened XXXX under the account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX and XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
In XX/XX/XXXX, I reviewed my credit report and discovered a charged-off credit card account from XXXX XXXX ( XXXX XXXX ) that I did not open or authorize. The account was reportedly opened in XX/XX/XXXX and charged off in XX/XX/XXXXXXXX  with a balance of approximately {$3700.00}. I submitted a formal identity theft report to the FTC and contacted the credit reporting agencies to dispute the fraudulent account. Despite this, the account remains on my credit report. I am requesting a full investigation and the removal of this account, as it is the result of identity theft and is negatively impacting my credit.

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 2025-06-16 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: NY

Complaint narrative:
In XX/XX/XXXX, I reviewed my credit report and discovered a charged-off credit card account from XXXX XXXX ( XXXX XXXX ) that I did not open or authorize. The account was reportedly opened in XX/XX/XXXX and charged off in XX/XX/XXXXXXXX  with a balance of approximately {$3700.00}. I submitted a formal identity theft report to the FTC and contacted the credit reporting agencies to dispute the fraudulent account. Despite this, the account remains on my credit report. I am requesting a full investigation and the removal of this account, as it is the result of identity theft and is negatively impacting my credit.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NC

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount GR Holdings, LLC
State: KY

Complaint narrative:
I made final payment to a predatory loan company GOODLEAP on XX/XX/XXXX for the remaining balance of {$8900.00}. They claimed that there was {$56.00} left in accrued interest. This was reluctantly paid on XXXX. 

I was alerted on XX/XX/XXXX that the {$56.00} was flagged as a late payment on my credit reports, dropping my credit XXXX points for multiple bureaus. 

All of this is over {$57.00} on an original {$10000.00} loan that was paid well before maturity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I own a small business and have multiple bank accounts, and two PayPal accounts. 

Long story short, on XX/XX/25, a customer tried to pay for an item via PayPal. It froze. 
I was to contact a special # ( buyer was too ) and we were on the phone with them for a looooooooooooooooooong time. I personally spent FOUR HOURS OF MY BIRTHDAY on the phone with these very difficult to understand fools. 

They said I needed more money in the account to 'free up ' the funds. No worries, I'm with PayPal many years, FIDC, it's recorded, blah blah blah. Well, you've already ruined my birthday bro. 

After all that ... I still do NOT have my funds transferred back to my account and I told the customer sorry, I can not do the transaction and to submit a request for her funds back. 

What a mess! I'm done with PayPal and I want my birthday refunded too!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
I thought I was renting a place an apartment got the approval letter after sending or paying the application fee on XX/XX/XXXX then went viewed the property on the XXXX I paid by bank transfer XXXX got the lease agreement the next day on the XXXX went back to get the key to the apartment out of the lockbox so I could move in and the lock box was gone and there was a new sign in the yard that wasn't there before from a real state agency I have an email address of who I was speaking with and the name i transfered the payment too I've already made a police report as well

Company response to consumer: Closed with explanation