vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( XXXX ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( XXXX ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NJ

Complaint narrative:
The continued reporting of this fraudulent ITEMS by the data furnisher, despite my submission of an identity theft report, is a violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits the reporting of information known to be inaccurate ; therefore, I demand that the furnisher immediately cease reporting these items and that the credit bureaus update their records to reflect this change. 

XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$530.00} XXXX XXXX XXXXXXXX BALANCED {$2400.00} XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX  XXXX  XXXX   XXXX BALANCED {$5000.00} XXXX XXXX  XXXX BALANCED {$950.00} XXXX  XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XX/XX/2025 XXXX XXXX XX/XX/2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NJ

Complaint narrative:
The continued reporting of this fraudulent ITEMS by the data furnisher, despite my submission of an identity theft report, is a violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits the reporting of information known to be inaccurate ; therefore, I demand that the furnisher immediately cease reporting these items and that the credit bureaus update their records to reflect this change. 

XXXX XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$530.00} XXXX XXXX XXXXXXXX BALANCED {$2400.00} XXXX XXXX BALANCED {$0.00} XXXX XXXXXXXX BALANCED {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX BALANCED {$0.00} XXXX  XXXX  XXXX   XXXX BALANCED {$5000.00} XXXX XXXX  XXXX BALANCED {$950.00} XXXX  XXXX XXXX XXXX XXXX BALANCED {$0.00} XXXX XX/XX/2025 XXXX XXXX XX/XX/2025

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 2025-06-03 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: FL

Complaint narrative:
Several companies have accessed my credit report without my authorization, causing direct and measurable damage to both my credit and credit score. I previously contacted your agency regarding this matter and was assured by a representative that these unauthorized inquiries would be removed. However, no action has been taken, and the inquiries remain on my report.

This failure to follow through is unacceptable. The ongoing presence of these unapproved entries raises serious concerns about potential identity theft. I am experiencing continued emotional and financial distress as a result. I am now formally requesting an immediate investigation and the prompt removal of all unauthorized inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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 writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your 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 2025-06-03 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 recently reviewed my credit report and noticed fraudulent activity on my report that is preventing me from obtaining credit.The following fraudulent information reported is as follows : XXXX XXXX XXXX XXXX Amount {$18000.00}, Account number XXXX, said to opened XX/XX/XXXX XXXX XXXX, Amount XXXX, Account number XXXX, opened on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law.

This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
I recently obtained a copy of my credit report and noticed several inaccurate and unauthorized accounts being reported. These errors have had a detrimental impact on both my life and my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
I recently obtained a copy of my credit report and noticed several inaccurate and unauthorized accounts being reported. These errors have had a detrimental impact on both my life and my credit score.

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 2025-06-03 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: PA

Complaint narrative:
Filed a dispute with EXPERIAN ON XX/XX/25 while they took approximately 35 days to research my complaint they failed to see that my XXXX account as of XX/XX/25 is now up to date and amount owed is around {$19000.00} not $ XXXX should not have to wait another 35 days to fix this egregious matter while I am slowly raising my credit score every day to obtain a new XXXXXXXX XXXX  since I can not touch my over $ XXXX sweat equity at age XXXX and XXXX. 
I had been in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX but will win that fight too. We now live off our meager XXXX XXXXand that explains our need of our equity. I am XXXX, been working for XXXX and I want to spend the rest of my years worrying about bills each month and in my dreams. We will be XXXX XXXX years in XXXX and I need to treat my beautiful wife like the angel she is. The XXXX signature loan is : XXXX. 

Thank you 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 2025-06-03 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: GA

Complaint narrative:
My personal information was exposed to XXXX Data breach and my stolen and i do not recognize these accounts listed below : 1. XXXX XXXX 2. 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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase has closed my account and is holding $ XXXX sent to me by students I worked with on educational projects. They are refusing to release the funds or return them to the senders unless each sender physically appears in a branch even though they are out of state. This is unreasonable and creates financial hardship. I provided them with phone numbers and am also ready to get a hand written note or email from their official college email IDs to confirm these payments ; and that I can provide any other proof as per request but Chase isnt cooperative

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I made a purchase through Apple Card Monthly Installments ( ACMI ), which was advertised as a 12-month, 0 % APR financing offer for a XXXXXXXX XXXX. At checkout and in the order confirmation, I was shown the following : Monthly Installment : $ XXXX Total Financed on Apple Card Today : {$1400.00} Additional Charges to Apple Card Today Estimated Tax : {$89.00} Nowhere in the main portion of the order summary was it clearly disclosed that the tax would be excluded from the interest-free financing and treated as a separate, interest-bearing charge. That important detail appeared only in fine print at the bottom of the confirmation email, in small gray text. Based on the layout and language, it was reasonable to interpret that the total cost of the product, including tax, was part of the 0 % promotional offer. 

To proactively manage the tax amount, I set my autopay higher than the monthly installment. My first payment was {$130.00}, intended to cover both the installment and a prorated share of the tax. However, I later discovered that interest had accrued on the tax portion because it was not paid in full the same month. I had no reason to expect this outcome based on how the offer was presented. 

While I now understand that the tax was technically disclosed in the email fine print, the overall structure and communication were unclear and misleading. This setup falls short of the clear and conspicuous disclosure standards required under the Truth in Lending Act and basic consumer fairness expectations. It created the impression of a full 0 % interest offer while silently carving out a portion of the charge to accrue interest unless the customer caught and paid it off immediately. 

In addition, Apple Cards payment application policy further contributed to the interest charges. Payments are applied to the installment amount first, and only the remainder is applied to other transactions. Since the tax portion was treated as a regular Apple Card charge rather than part of the installment, only a small part of my overpayment was applied to it. The remainder of the tax was treated as unpaid, and I was charged interest accordingly. 

To make matters worse, the system appears to have flagged the remaining tax balance as " late, '' despite the fact that I had overpaid based on what the promotional materials appeared to require. This created an unfair impression that I failed to meet minimum payment obligations when I was actually trying to stay ahead. 

I am requesting a refund of the interest charged on the tax portion of the transaction. I also ask the CFPB to review whether this product structure and communication meet fair lending and transparency standards, especially in how tax treatment, payment allocation, and promotional offers are explained to consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name : XXXX XXXX, My Social Security Number : XXXX, My Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a credit card account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
My name : XXXX XXXX, My Social Security Number : XXXX, My Date of Birth : XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of a credit card account opened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-03 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and 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 reported to be removed/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. 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!

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 2025-06-03 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: NY

Complaint narrative:
What happened? 
On or around XX/XX/year>, I submitted a formal written dispute to TransUnion regarding the inaccurate and unlawful reporting of several accounts as charge-off and/or collections on my credit report. The following accounts were listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed these entries on the grounds that an account can not simultaneously be categorized as both a charge-off and in collection. Under IRS rules and the Fair Credit Reporting Act ( FCRA ), a charge-off is a cancellation of debt, which requires the creditor to issue a Form 1099-C to the consumer and treat the balance as income for tax purposes. Once a debt is cancelled and reported to the IRS as income, it can not legally continue to be collected on or listed as a collection.

Furthermore, I cited violations of the following federal statutes : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibition on reporting information known to be inaccurate 15 U.S.C. 1681s-2 ( b ) Failure to cease reporting after notice and confirmation of error 15 U.S.C. 1681n Civil liability for willful noncompliance TransUnion has continued reporting these inaccurate entries despite my formal dispute and supporting legal justification. This has caused substantial harm to my credit standing, financial opportunities, and personal integrity.

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