vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: OH

Complaint narrative:
I did not authorize these inquires, please remove immediately. 
Personal information reporting incorrectly on credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: FL

Complaint narrative:
The accounts in question do not belong to me, they were not authorized by me They were created due to fraud for that reason alone they must be removed per 15 usc 1681b.

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 2025-05-19 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: MI

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I ordered flowers for a birthday. The merchant told me they were out for delivery. I contacted the merchant through phone call and they told me they were on the way. The business closed for the day and they were still not delivered. The next day they realized their mistake and asked if I still wanted the flowers. I said no and requested a refund. They said they would refund me. I followed up and asked if they processed the refund they said yes it would take around 7 business days. A month passed and no refund so I disputed the charge. 
This all occurred between the dates of XX/XX/XXXX - XX/XX/year>.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-19 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: CBC Companies, Inc.
State: NY

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: 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 non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/year> and XXXX I submitted disputes to the credit bureaus for inaccurate information and inconsistent information being reported on my credit report. The have no conducted an investigation or given status on neither investigation.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year> and XXXX I submitted disputes to the credit bureaus for inaccurate information and inconsistent information being reported on my credit report. The have no conducted an investigation or given status on neither investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: AL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/XXXX my credit card was charged a {$9000.00} payment to a XXXX account. On XX/XX/XXXX when I saw this transaction I reported to Navy Federal Credit Union that this was a fraudulent transaction and that I wanted to put in a claim for this. They did and said they would investigate the matter and their detectives would determine whether it was fraudulent or not. On XX/XX/XXXX I checked my account and found the {$9000.00} was back on my credit card. I called Navy Federal and was informed that the detectives determined that it was not fraudulent and that it was because it matched up to my history of using the credit card. I have never used this card to send money to XXXX and I have used this card to pay for a few things that were expensive but never anything close to {$9000.00} dollars. Navy Federal then said if I do not agree with this I can respond to their decision and why I think they should accept my fraud claim. A rebuttal to their decision. I did so on XX/XX/XXXX the day I called and figured out they did not accept my claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I am writing to formally dispute the continued reporting of a debt by XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX that has already been paid in full. This debt was settled via a money order issued by XXXX XXXX XXXX XXXX in XX/XX/XXXX and cleared in XX/XX/XXXX. I initially submitted proof of this payment on XX/XX/XXXX, including documentation from my bank confirming that the money order was processed and cashed. Despite this, my dispute was rejected. I submitted a second dispute on XX/XX/XXXX, once again attaching the same verifiable proof that the debt was satisfied, and that dispute was also wrongfully rejected. This continued inaccurate reporting is not only unjustified but a direct violation of the Fair Credit Reporting Act ( FCRA ). I demand that this account be immediately corrected or removed from all records and credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: CO

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: ME

Complaint narrative:
I went on XXXX XXXX to find out who the company was who bought the collections amount of {$330.00}. There is no information on who bought the debt, what it is for, why its that much. I have no information or ways to contact this agency to correct this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: GA

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 2025-05-19 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: NH

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-05-19 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: NJ

Complaint narrative:
On XX/XX/XXXX this letter was sent out to all XXXX reporting agencies Re : Formal Dispute of Inaccurate Information Demand for Immediate Deletion Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to demand an immediate investigation and removal of inaccurate, misleading, and unverifiable information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 XXXX XXXX  et seq. XXXX XXXX  The account listed above contains several significant reporting errors, including but not limited to : - Reporting as both XXXX XXXX  charged off XXXX XXXX  and XXXX XXXX  in collections XXXX XXXX which is misleading and inaccurate.

- Inconsistent reporting across all three credit bureaus, violating XXXX XXXX  FCRA 1681e ( b ) XXXX XXXX  which mandates maximum accuracy.

- No verifiable evidence of contractual obligation or proof of debt under XXXX XXXX  FCRA 1681i XXXX XXXX  
- Continued reporting of a balance after charge-off, which requires accurate calculation and validation.

These inconsistencies and errors render the reporting of this account non-compliant with federal law. As such, I am invoking my rights under : - XXXX XXXX  FCRA 1681i XXXX XXXX  : Your obligation to conduct a reasonable reinvestigation.

- XXXX XXXX FCRA 1681s-2 ( b XXXX XXXX XXXX  : Furnishers obligation to verify or correct/delete disputed information.

- XXXX XXXX FCRA 1681e ( b ) XXXX XXXX  : Duty to maintain procedures for maximum possible accuracy.

This account is disputed. If the information can not be verified XXXX XXXX with original signed documentation XXXX XXXX  and XXXX XXXX full accounting records XXXX XXXX, it must be XXXX XXXX deleted immediately XXXX XXXX Reporting unverifiable, outdated, or incorrect information is a direct violation of federal law and exposes your organization and the data furnisher to legal liability. XXXX XXXX I demand the permanent deletion of this account XXXX XXXX from my credit report. Failure to do so will result in formal complaints being filed with the XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX  the XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX and possible legal action under the FCRA for damages caused by continued inaccurate reporting.

Attached are copies of my government-issued ID and proof of address. Please complete your investigation within the required 30 days and confirm removal in writing. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-19 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: NJ

Complaint narrative:
On XX/XX/XXXX this letter was sent out to all XXXX reporting agencies Re : Formal Dispute of Inaccurate Information Demand for Immediate Deletion Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to demand an immediate investigation and removal of inaccurate, misleading, and unverifiable information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 XXXX XXXX  et seq. XXXX XXXX  The account listed above contains several significant reporting errors, including but not limited to : - Reporting as both XXXX XXXX  charged off XXXX XXXX  and XXXX XXXX  in collections XXXX XXXX which is misleading and inaccurate.

- Inconsistent reporting across all three credit bureaus, violating XXXX XXXX  FCRA 1681e ( b ) XXXX XXXX  which mandates maximum accuracy.

- No verifiable evidence of contractual obligation or proof of debt under XXXX XXXX  FCRA 1681i XXXX XXXX  
- Continued reporting of a balance after charge-off, which requires accurate calculation and validation.

These inconsistencies and errors render the reporting of this account non-compliant with federal law. As such, I am invoking my rights under : - XXXX XXXX  FCRA 1681i XXXX XXXX  : Your obligation to conduct a reasonable reinvestigation.

- XXXX XXXX FCRA 1681s-2 ( b XXXX XXXX XXXX  : Furnishers obligation to verify or correct/delete disputed information.

- XXXX XXXX FCRA 1681e ( b ) XXXX XXXX  : Duty to maintain procedures for maximum possible accuracy.

This account is disputed. If the information can not be verified XXXX XXXX with original signed documentation XXXX XXXX  and XXXX XXXX full accounting records XXXX XXXX, it must be XXXX XXXX deleted immediately XXXX XXXX Reporting unverifiable, outdated, or incorrect information is a direct violation of federal law and exposes your organization and the data furnisher to legal liability. XXXX XXXX I demand the permanent deletion of this account XXXX XXXX from my credit report. Failure to do so will result in formal complaints being filed with the XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX  the XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX and possible legal action under the FCRA for damages caused by continued inaccurate reporting.

Attached are copies of my government-issued ID and proof of address. Please complete your investigation within the required 30 days and confirm removal in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TX

Complaint narrative:
" I wish to express my deep disappointment regarding the reporting provided by your organization, as documented in the enclosed document. It is regrettable to note that the aforementioned reporting falls significantly short of being comprehensive and fails to meet the standards I deem essential. As mandated by the law, it is crucial for both your esteemed entity and the data furnishers involved to undertake the certification of all facets pertaining to the obligatory Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance. This certification must be executed with utmost integrity, accuracy, thoroughness, and timeliness, so as to avoid any inadvertent violation or infringement upon my consumer and civil rights "

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 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Fraud and identity theft. Experian is allowing this collection company to fraudelently furnish my consumer report with lies. I have requested the information that was used to verify the debt between the collection company and myself and I have received nothing. I recently took a large point decrease and well as was denied credit card and home loan due to the lies on my experian 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