vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting XXXX % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XXXX : {$3200.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XXXX : {$260.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XXXX : {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XXXX : {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XXXX : {$55000.00} XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XXXX : {$2000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -Date Opened : XX/XX/XXXX {$1000.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX CARD - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - 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 explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX XXXX, I attempted to deposit {$2900.00} cash at the ATM located at XXXX XXXX, XXXX XXXX XXXX XXXX NY. The machine malfunctioned, spitting bills back out multiple times. I re-inserted the cash in batches. The machine eventually accepted the cash but only credited {$1800.00}, leaving {$1100.00} missing. Crucially, there was a person immediately behind me who used the machine right after my transaction closed. It is highly likely the machine dispensed the uncounted cash to them or credited it to their transaction due to the error. I reported this immediately ( Claim # XXXX ). The bank provisionally credited me, but on XX/XX/XXXX reversed it, claiming the ATM was 'not short, ' ignoring the possibility that the cash was dispensed to the next user due to the malfunction. My account is now negative {$1100.00}, causing financial hardship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I am filing this complaint because a {$110.00} charge appeared on my Apple Card on XX/XX/year> from a store I did not purchased anything from and have no relationship with. The transaction is completely unauthorized. I disputed this charge with XXXX XXXX XXXX XXXX XXXX and both times the dispute was denied even though I clearly stated that I did not make the purchase. 

On the day this charge occurred, we were at the outdoor mall shopping at several other stores, but we did NOT purchase anything from this store. We did not interacted with them in any way, and have no relationship with that business. The charge is completely unauthorized and appears to be fraud, possibly card skimming or unauthorized card number use. 

I reported this to Goldman Sachs immediately and explained that it was not my charge. Despite this, the dispute was denied twice. I am extremely concerned because this is not the first time Goldman Sachs has mishandled a dispute on my account, even when the evidence is clear. A fraudulent charge like this should have been resolved, but instead it was dismissed without a proper investigation. 

I am requesting the CFPBs assistance to ensure that this unauthorized {$110.00} charge is removed and refunded to my account, and that Goldman Sachs reopens the case and conducts a proper investigation as required under the Truth in Lending Act. I am attaching a screenshot of the charge, a signed statement that I did not authorize it, and evidence of the denials I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
Please correct/update this inaccurate information on 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 non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
SECOND TIME REQUESTING A COPY OF MY CONSUMER REPORT TO NO AVAIL. 

PROCESS MY REQUEST IN A TIMELY MANNER WHEN I FIRST REQUEST A COPY OF MY CONSUMER REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX *, XXXX * * * * * * Creditor Name : XXXX, XXXX / XXXX XXXX Bank. 
Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX Trans Union, LLC ( 617 F.3d 688 ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly urge you to correct this late payment entry, as it does not truthfully reflect my payment record. I have always met my payment obligations on time, and this error must be rectified immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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 filing this complaint against TransUnion due to its unauthorized reinsertion of a previously deleted account into my credit file, despite XXXX formal written requests to correct and maintain accurate reporting. 

Disputed Account : Creditor : XXXX Account Number : XXXX Amount : {$10000.00} Issue Date of Re-insertion : XX/XX/year> TransUnion has violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : FCRA 611 ( B ) ( 1 ) : Failure to obtain proper certification from the furnisher ( XXXX Bank ) before reinserting deleted information. 

FCRA 611 ( B ) ( 2 ) : Failure to provide written notification to me within 5 business days of the reinsertion.

FCRA 611 ( B ) ( 3 ) : Failure to provide required information, including the furnishers name and address, a statement of reinsertion, and notice of my right to dispute.

These violations constitute willful noncompliance with federal law and expose XXXX to liability under : FCRA 1681n : Civil liability for willful noncompliance ( statutory, actual, and punitive damages ).

FCRA 1681o : Civil liability for negligent noncompliance.

I am requesting CFPB intervention to ensure the immediate removal of the reinserted account, proper certification, and full compliance with all FCRA reinsertion procedures.

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 2025-12-09 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: Exeter Finance, LLC.
State: LA

Complaint narrative:
I am filing a complaint regarding an unauthorized hard inquiry by Exeter Finance on XX/XX/year>. I did NOT submit a credit application to Exeter, nor did I give verbal, written, or electronic permission for them to run my credit. 
Under FCRA 604, Exeter must have a legitimate permissible purpose AND my authorization. They had neither. I requested documentation under FCRA 609 ( a ) ( 1 ), and they can not produce a signed application or consent form. 
This inquiry was done without my permission and is harming my credit scores. I request the CFPB 'S assistance in having this unauthorized inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
This is not my account. I have no connection to it, and I am requesting that it be investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: GA

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 2025-12-09 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This record of late payments is incorrect and does not accurately represent my usual payment history. I have consistently made my payments on time, and I request that it be removed to ensure my account reflects accurate information.

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 2025-12-09 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:
I am filing this complaint against Equifax due to its failure to properly investigate and remove unauthorized inquiries on my credit report, despite three formal written requests. The unauthorized inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifaxs continued reporting of these unauthorized inquiries violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : FCRA 611 ( 15 U.S.C. 1681i ) : Requires a complete reinvestigation of disputed information within 30 days. My disputes have not been adequately resolved.

FCRA 609 ( 15 U.S.C. 1681g ) : Entitles me to access all information in my file, including the results of the reinvestigation. This information has not been provided.

FCRA 604 ( 15 U.S.C. 1681b ) : Requires permissible purpose for obtaining consumer reports. These inquiries were unauthorized and do not meet permissible purposes.

I am requesting CFPB intervention to compel Equifax to immediately remove these unauthorized inquiries and provide a full investigation report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
I am filing this complaint because Cavalry Portfolio Services is reporting a collection account on my credit reports without providing proper validation. I formally disputed the account and requested validation under the FDCPA, but Cavalry has not provided the required documents and continues reporting the account. I request CFPB assistance to enforce compliance and ensure that the account is removed or fully validated in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This record of late payments is incorrect and does not accurately represent my usual payment history. I have consistently made my payments on time, and I request that it be removed to ensure my account reflects accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Received notice XXXX XXXX had inquired my credit history. I have no dealings with XXXX XXXX. Today I received a letter from supposedly XXXX XXXX that more information needed for my credit application. I did not make credit application

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 2025-12-09 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: GA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US cXX/XX/XXXXe XXXX ( b ) and 15 use XXXX ( XXXX ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS :XX/XX/XXXX-Date Opened : XXXX : {$3200.00} XX/XX/XXXX -Date Opened :XX/XX/XXXXBalance : {$260.00} XX/XX/XXXX-Date Opened : XXXXBalance : {$80.00} XX/XX/XXXXXXXXXX/XX/XXXX-Date Opened : XXXX : {$150.00} XX/XX/XXXX-Date Opened : XXXXBalance : {$1900.00} XX/XX/XXXX-Date Opened : XXXXBalance : {$55000.00} XX/XX/XXXX-Date Opened : XXXXBalance : {$2000.00} XX/XX/XXXX XXXXDate Opened : XX/XX/XXXX {$1000.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX - XX/XX/XXXXXX/XX/XXXXXX/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 2025-12-09 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: FL

Complaint narrative:
I reviewed my consumer report and found multiple accounts being reported without my express authorization or verifiable consent. This disclosure of my non-public personal information for reporting purposes constitutes an unwarranted violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( Permissible Purposes ). The XXXX ( XXXX ) disputed accounts are : XXXX ( Collection/Charge-Off ), XXXX accounts from XXXXXXXX XXXX XXXX ( Closed, XXXX with a {$0.00} Balance and XXXX with a {$5000.00} Balance ), and XXXXXXXX XXXX ( Charge-Off, {$2500.00} Balance ). I have filed an official report with the Federal Trade Commission ( FTC ), reference number XXXX, as required by law, and have sent a formal dispute letter to the bureau. This situation is negatively impacting my ability to secure financing. I request your immediate intervention to enforce the FCRA 's legal requirements : Please block or delete these XXXX ( XXXX ) accounts immediately from my credit report as required by the FCRA ( 15 U.S.C. 1681c-2 ), supported by the attached FTC Report 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 2025-12-09 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union for violations of the Fair Credit Reporting Act ( FCRA ). 

I requested documentation from Navy Federal regarding the writeoff of my account. Navy Federal has failed to provide me with any records or proof of the writeoff.

Navy Federal continues to report the account as a chargeoff on my credit report. This constitutes a violation of 15 U.S.C. 1681s2 ( a ) ( duty to furnish accurate information ) and 1681s2 ( b ) ( duty to investigate and correct disputed information ).

Because they have not substantiated the debt, continuing to report it as a chargeoff is misleading and harmful to my credit standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief