vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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: MI

Complaint narrative:
TransUnion has failed to safeguard my sensitive personal information, as confirmed by the recent data breach impacting more than XXXX XXXX consumers in XX/XX/year>. Highly sensitive data including Social Security numbers, dates of birth, and other identifiers were exposed due to TransUnions reliance on an unsecured third-party system. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681e ( b ) ( duty to maintain maximum possible accuracy ) and 1681b ( permissible purposes ). In addition, inaccurate and unauthorized information remains on my credit file, which TransUnion has a statutory duty to delete or correct under 1681i. This breach and the continued reporting of unverifiable data put me at risk of identity theft, fraud, and financial harm.

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 2025-10-17 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXXXXXX 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 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, my Sofi bank account was unexpectedly closed without any prior notice or explanation. When I contacted Sofi customer service on XX/XX/XXXX, I was not provided with any reason for the closure. I believe that under federal regulations, they are required to inform me of the cause. I am seeking assistance from the CFPB to understand the reason behind this account closure and to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-10-17 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: MD

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXXXXXX 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 2025-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this incorrect account from my credit report, as I did not authorize its creation or use. Attached are the supporting documents to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 XXXX XXXX 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 explanation
Consumer complaint received 2025-10-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
On XX/XX/year>, I spoke with a representative named XXXX who confirmed that Goldman Sachs would accept 51.5 % of my Apple Card balance as full satisfaction of the account, to be reported as paid in full, with charge-off remarks removed. I was told written confirmation would be provided by a management team before making the payment. 

Since then, I have spoken with additional representatives ( XXXX XXXX  XXXX on XX/XX/year> ), who said the back management team would contact me, but I have not received any follow-up. My phone was stolen and I provided my updated number, yet Goldman Sachs continues calling my old number. I have not received any written confirmation or return call despite multiple attempts to resolve this matter. 

I am requesting that Goldman Sachs follow through with the promised management callback, update my contact information, and provide written confirmation of the settlement terms discussed.

" Screenshot Old Number Reactivated by Mother ( Proof of Contact Issue ) '' - Proof that my old phone number was reactivated by my mother. I do not have access to that number, but Goldman Sachs continues to call it instead of my updated number. This is preventing me from receiving their management callback. My mother is in Florida and I am in South Carolina.. 

" XXXX ( screenshots ) '' - XXXX Support Chat Transcript escalation delay and supervisor issue ( XX/XX/year> ) I have made multiple good-faith attempts to resolve this matter directly with Goldman Sachs , including speaking with several representatives and providing my updated contact number after my phone was stolen. My previous number was later reactivated by my mother, who lives in Florida, while I reside in South Carolina. Goldman Sachs continues to call the old number, preventing me from receiving the promised management follow-up regarding my case. 

Goldman Sachs continues contacting my old phone number even after I provided my updated contact information, causing further delays in resolving my settlement issue. 

I am respectfully requesting that Goldman Sachs update my contact information, provide written confirmation of the settlement agreement discussed on XX/XX/year>, and follow through with the management callback to resolve this issue in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following collection items are medical bills that should immediately be removed due to the CFPB 's OWN RULE : The Consumer Financial Protection Bureau ( CFPB ) finalized a rule that prohibits credit reporting agencies from including medical debt on consumer credit reports and also prevents lenders from using medical information in credit decisions. This rule, part of Regulation V which implements the Fair Credit Reporting Act, aims to remove barriers to healthcare access and financial well-being for millions of Americans. 

Address XXXX XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$920.00} Original Creditor XXXX XXXX XXXX XXXXXXXX Past Due {$920.00} Pay Status >Collection< Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION< Address XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX High Balance {$1200.00} Original Creditor XXXX XXXX OF XXXX GA Past Due {$1200.00} Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION< Address XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX High Balance {$4100.00} Original Creditor XXXX XXXX OF XXXX GA Past Due {$4100.00} XXXX XXXX >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION< Address XXXX XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$1000.00} Original Creditor XXXX XXXX XXXX Past Due {$1000.00} Pay Status >Collection< Estimated month and year this item will be removed XXXX/XXXX Remarks Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION<

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 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 2025-10-17 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: NY

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 XXXXXXXX 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 2025-10-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX # XXXX - A DEBT BUYER/ORIGINAL XXXX XXXX. XXXXXXXX BOUGHT A DEBT FROM XXXX XXXX. XXXX XXXX WAS PAID FOR THE DEBT OWED. I DO NOT OWE XXXX XXXX XXXX ANYTHING. I NEVER SIGNED OR COMMITTED TO THEM ANY DOLLAR AMOUNT. XXXX CAN NOT, AFTER BEING REQUESTED TO SHOW OR SEND BY ANY OF MY MANY WAYS OF CONTACT, ANY DOCUMENT WHERE I SIGNED ANY AGREEMENT WITH THEIR COMPANY. I'M ASKING FOR MY CONSUMER RIGHTS TO BE ACTIVE IN REMOVING THIS FROM MY CREDIT REPORT.

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 2025-10-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-10-17 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: TX

Complaint narrative:
I discovered that multiple accounts and collection entries are being reported on my credit reports that are inaccurate, outdated, and unverifiable. Despite previous disputes and requests for validation, the credit bureaus and the furnishers have continued to report these items without providing any supporting documentation, signed contracts, or proof of ownership. Several of these accounts were sold or transferred, yet they remain listed as active charge-offs with balances still owed, which is misleading and violates the Fair Credit Reporting Act ( FCRA ). In addition, at least one inquiry was made without my written consent or any permissible purpose. These errors have persisted for several months and continue to negatively impact my credit profile, resulting in financial harm and unfair reporting of information that can not be proven accurate or legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered that multiple accounts and collection entries are being reported on my credit reports that are inaccurate, outdated, and unverifiable. Despite previous disputes and requests for validation, the credit bureaus and the furnishers have continued to report these items without providing any supporting documentation, signed contracts, or proof of ownership. Several of these accounts were sold or transferred, yet they remain listed as active charge-offs with balances still owed, which is misleading and violates the Fair Credit Reporting Act ( FCRA ). In addition, at least one inquiry was made without my written consent or any permissible purpose. These errors have persisted for several months and continue to negatively impact my credit profile, resulting in financial harm and unfair reporting of information that can not be proven accurate or legitimate.

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 2025-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Reliant Capital Solutions, LLC
State: TX

Complaint narrative:
Subject : Reliant Capital Solutions LLC No Written Validation Notice / Improper Text Communication Details : On XX/XX/year>, I received a text message from Reliant Capital Solutions LLC claiming to collect a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit card debt. I have never received any written notice from them by mail or email, nor have I previously been contacted about this debt.

According to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector is required to send a written validation notice within five days of initial communication. I have not received any such notice. Additionally, the collector contacted me via text message, which did not include any opt-out instructions, proper disclosure, or verification that I consented to text communications as required by Regulation F ( 12 C.F.R. 1006 ).

I am requesting that the CFPB investigate Reliant Capital Solutions LLC for failing to provide written notice, contacting me through an unapproved channel, and violating my consumer rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I requested for all old addresses and phone numbers and my old names XXXX XXXX XXXX XXXX, all old jobs be removed from my credit report

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 2025-10-17 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: TX

Complaint narrative:
I requested for all old addresses and phone numbers and my old names XXXX XXXX XXXX XXXX, all old jobs be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This letter serves as a formal dispute and demand for reinvestigation under FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), and Regulation V ( 12 C.F.R. 1022.43 ) regarding multiple defective tradelines and public records appearing in my credit file. Your agency is reporting contradictory, incomplete, and duplicative data in violation of 15 U.S.C. 1681e ( b ) and 1681i ( a ).

1. Repeated and Contradictory Bankruptcy Filings Multiple Chapter XXXX and Chapter XXXX bankruptcies ( Ref. # XXXX, XXXX XXXX, # XXXX, # XXXX, # XXXX, etc. ) appear duplicated under identical dates and courts, each labeled Negative. This is factually inaccurate and violates : FCRA 607 ( b ) : Duty to assure maximum possible accuracy.

Metro 2 XXXX XXXX ( Account Status ) and Field XXXX ( Payment Rating ) : duplicate derogatories prohibited. 
Reg V 1022.43 ( a ) ( 1 ) ( ii ) : duty to correct incomplete data. 
XXXX. Inconsistent Bankruptcy Classifications You report the same case under both Chapter XXXX ( Discharged ) and Chapter XXXX ( Dismissed ) statuses. These inconsistencies misrepresent the disposition and falsely inflate derogatory counts clear non-compliance with Metro 2 Field XXXX ( Compliance Condition Code ) and Field XXXX ( Consumer Information Indicator ). 
XXXX. Erroneous XXXX XXXX Tradelines XXXX separate XXXX XXXX accounts appear open with {$0.00} balance yet labeled Bankruptcy Chapter XXXX Negative. Reporting a {$0.00} balance and open status while simultaneously coding Bankruptcy and No Data Available violates : FCRA 607 ( b ) ( accuracy ). 
Metro 2 Field 17A & Field 71 ( Actual Payment Amount ) no payment history or charge-off data. 
XXXXushman v. TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ) : credit bureaus must independently verify, not rely on furnisher codes. 
XXXX. Misreported Late-Payment Sequences XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts list late payments ( 30-/60-/90-day ) without ledger or statement evidence and with internal date inconsistencies. Each must be independently verified ; mere code repetition ( Was 90 days late XXXX times ) fails FCRA 611 ( a ) ( 5 ) ( A ). 
XXXX. Improper Charge-Off and Bankruptcy Overlays XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX report Unpaid balance reported as loss and Chapter XXXX Bankruptcy simultaneously with {$0.00} balance and closed status, breaching Metro 2 Field XXXX XXXX Account Status ) and Field XXXX inconsistent event sequencing. 
XXXX. Public-Record Incompleteness Bankruptcy records omit required identifiers ( case # format, court address, disposition type, and date ). Failure to provide verifiable public-record sources violates 607 ( b ) and 611 ( a ).

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