vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: SC

Complaint narrative:
I am formally writing to address Equifax and Experian for reporting inaccurate, incomplete and fraudulent information to my consumer report. I have contacted both companies repeatedly asking to block information from my consumer report as well as remove items I did not personally authorize. Upon viewing my updated report I saw that XXXX XXXX and XXXXXXXX XXXX are STILL being reported inaccurately. This is a violation of 15 USC 1681b. I have also made companies aware that I am a victim of human trafficking of Debt bondage, and there are accounts on my consumer file I did not authorize as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-05-14 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: Ava Finance, Inc
State: SC

Complaint narrative:
I am formally writing to address XXXX XXXX XXXX for reporting inaccurate, incomplete and fraudulent information to my consumer report. I have contacted both companies repeatedly asking to block information from my consumer report as well as remove items I did not personally authorize. Upon viewing my updated report I saw that Ava XXXX and XXXX XXXX are STILL being reported inaccurately. This is a violation of 15 USC 1681b. I have also made companies aware that I am a victim of human trafficking of Debt bondage, and there are accounts on my consumer file I did not authorize as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
I paid for a few products through affirms pay in XXXX program. I used my banks XXXX for the funds. The products were purchased as a presale and would not arrive for a few months. Once the window of time had passed I reach out as I had not received the product, I reach out to the company. They informed me they were filing for bankruptcy and could not for full the order. I told my bank about this and opened a dispute. They took the money back from affirm so I thought everything would be ok. But they then denied my claim saying their investigation found no errors. So now theres a debt to affirm and I still dont have my money back. I have reopened the dispute XXXX  times now with the same result.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 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: NY

Complaint narrative:
I received a XXXX decrease in my credit score, as reported by Equifax, following a minor balance increase on my XXXX XXXX  account-from {$25.00} to {$330.00}. This is less than 7 % of my {$5000.00} limit, and such a minimal utilization increase does not justify such a drastic score reduction. 
Whats even more troubling is the clear imbalance when compared to recent positive credit behaviors that had little to no impact on my score : My overall debt dropped by over {$300000.00}, and yet my score increased by only XXXX points. 
My XXXX loan was paid down by {$330.00}, with no score increase reported. 
My XXXX XXXX account was overpaid by {$300.00}, leaving me with a XXXX balance, yet again, no score increase was reflected.

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 2025-05-14 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: NY

Complaint narrative:
I received a XXXX decrease in my credit score, as reported by Equifax, following a minor balance increase on my XXXX XXXX  account-from {$25.00} to {$330.00}. This is less than 7 % of my {$5000.00} limit, and such a minimal utilization increase does not justify such a drastic score reduction. 
Whats even more troubling is the clear imbalance when compared to recent positive credit behaviors that had little to no impact on my score : My overall debt dropped by over {$300000.00}, and yet my score increased by only XXXX points. 
My XXXX loan was paid down by {$330.00}, with no score increase reported. 
My XXXX XXXX account was overpaid by {$300.00}, leaving me with a XXXX balance, yet again, no score increase was reflected.

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 2025-05-14 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: LA

Complaint narrative:
This is a follow-up complaint regarding the inaccurate reporting of the following charge-off accounts on my Experian credit report : XXXX  XXXX - Account Number : XXXX * * - Balance : {$1100.00} * * and XXXX XXXX  XXXX  - Account XXXX XXXX XXXX * * - Balance : {$0.00} * *. Despite my initial disputes, these accounts remain inaccurately reported, suggesting that Experian may not be fully adhering to its legal obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 15 U.S.C. 1681n ) to ensure maximum possible accuracy in credit reporting. 

Given the zero-dollar balance on the XXXX XXXX  Delaware account XXXX it is particularly concerning that this account is still listed as a charge-off, as this classification is typically reserved for accounts that have been written off as a loss due to non-payment. This kind of misreporting not only harms my creditworthiness but also raises questions about the thoroughness of Experians investigation processes. This ongoing inaccuracy has exposed me to unfair credit denials and higher interest rates, creating significant financial and reputational 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 2025-05-14 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: NJ

Complaint narrative:
This is a follow-up complaint to ensure that the ongoing inaccuracies related to multiple hard inquiries on my Equifax credit report are properly addressed, as my initial disputes remain unresolved and are still being processed by the CFPB. Specifically, I am disputing the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b and 15 U.S.C. 1681i ), Equifax is required to ensure maximum possible accuracy in the information it reports, including the proper verification of hard inquiries. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have highlighted Equifaxs failure to conduct proper investigations. As per 15 U.S.C. 16811 ( a ) ( 1 ) ( A ), Equifax is required to conduct a comprehensive and thorough reinvestigation of disputed items. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. The continued presence of these inquiries, without proper validation, raises significant concerns about XXXX internal processes and its commitment to maintaining accurate credit data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: WA

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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I applied for the GM Card. I recieved an email from XXXX offering 12 months 0 % financing and XXXX Bonus points if you spend {$1000.00} in the first 3 months. I recieved the card the first week of XX/XX/XXXX. I contacted customer service to see exactly when my 0 % rate expired. I was told that I had until XX/XX/XXXX. XXXX my surprise when I started recieving interest charges in XXXX of XXXX. I contacted GMCard but was told my 0 % rate was only for 9 months. I sent GMCard a copy of my original application, however GMCard still refused to honor the rate I was promised. I've attached the original appplication that was emailed to me. GM Card should refund the interst I was charged in XXXX, XXXX, XXXX and XXXX. Total Interest charged in error is {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
Equifax is improperly reporting a mortgage account ( XXXX XXXX  Account # : XXXX * * * * ) with derogatory status, XXXX delinquency, and foreclosure-related remarks without my knowledge, consent, or any valid permissible purpose. I never authorized Equifax to report this account, nor did I provide any written instruction to access or include it in my consumer file. 

This reporting violates several sections of the Fair Credit Reporting Act ( FCRA ) and other federal laws : 15 U.S.C. 1681b There is no legal permissible purpose authorizing the furnishing or use of this information.

18 U.S.C. 1028A This constitutes aggravated identity misuse, as Equifax is transmitting my data without lawful authority.

15 U.S.C. 1681e ( b ) The derogatory information reported is inaccurate and lacks a verified foreclosure judgment or consistent payment history.

15 U.S.C. 1681i Equifax has failed to delete or correct this data despite being unable to verify its accuracy within the required 30-day dispute window.

15 U.S.C. 1681s-2 ( b ) Data furnishers and Equifax are jointly responsible for continuing to report inaccurate and unverifiable information. 

I submitted a formal dispute on XX/XX/year>, requesting legal documentation including the original signed agreement, full account history, court documents ( if foreclosure occurred ), and proof of permissible purpose. None of this has been provided, yet the reporting remains. 

I am requesting the CFPBs help to compel Equifax to delete this account immediately, correct all late payment notations, and ensure compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NY

Complaint narrative:
I purchased items using my Cash App card as a form of protection against fraud to make the purchase. I never received my items and the seller refused to provide proof of signature for items that was sent to a business that's owned by my family. We are a hub for all carriers such as XXXX XXXX XXXX XXXX. I sent pictures of location proof of purchase, response from seller. Cash App has denied my claim several times. I asked for proof of how this determination was made and nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
Subject : Formal Complaint under the Fair Credit Reporting Act ( FCRA ) Regarding Inaccurate, Incomplete, and Misleading Information Furnished to CRAs Dear Consumer Financial Protection Bureau, Pursuant to the Fair Credit Reporting Act ( FCRA ), I am submitting this formal complaint against the following furnishers of information for willful and negligent violations of their statutory obligations under FCRA Sections 1681e ( b ), 1681s-2 ( a ) ( 3 ), 1681s-2 ( b ), and 1681c ( a ) ( 4 ). 

XXXX. XXXX XXXX XXXX XXXX XXXX acct # XXXX ) __ High Balance Discrepancy : {$7100.00} XXXX XXXX XXXX vs {$5300.00} ( EQ ) XXXX Conflict XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX vs XX/XX/XXXXXXXX XXXX XXXX XXXX vs XX/XX/XXXX ( EQ ) Last Payment Inconsistency : XX/XX/XXXXXXXX XXXX XXXX  ) vs XX/XX/XXXX ( EQ ) Date Reported Conflict : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) vs XX/XX/XXXX ( EQ ) Closed Date Missing : Only XXXX reports Ongoing XXXX Post-Closure : XXXXEQ show XXXX through XXXX XXXX XXXX XXXX XXXX Type Inconsistency : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Violations : 1681e ( b ), 1681c ( a ) ( 4 ), 1681c ( c ) ( 1 ), 1681s-2 ( b ) ___ XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX ) ___ High Balance Discrepancy : {$17000.00} XXXX XXXX XXXX  vs {$11000.00} ( EQ ) XXXX Mismatch XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( EQ ) Last Payment Conflict : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( EQ ) Closed Date Missing : Only XXXX reports closure on XX/XX/XXXX Creditor Type Discrepancy : Savings/Personal Loan/Auto Finance Date Reported : Refreshed into XXXX Re-aging of Payment History : XXXX and EQ show XXXX  through XXXX post-closure Violations : 1681e ( b ), 1681c ( a ) ( 4 ), 1681c ( c ) ( 1 ), 1681s-2 ( b ) ___

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-14 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: NJ

Complaint narrative:
I am writing to formally dispute an inaccurate late payment reported on my account, Account Number XXXX XXXX XXXX, which appears on my credit report. I recently reviewed my credit report and found that XXXX late payments has been recorded for XX/XX/XXXX and XX/XX/XXXX that are incorrect. I have always been diligent in making my payments on time, and I have attached copies of relevant documents as evidence that the payment in question was made on time. As you can see on the copy attached of my most recent credit report, I have indeed made my payments on time which is even confirmed by XXXX of the credit bureaus. I request that you investigate this matter promptly. If necessary, please provide documentation that substantiates the reported late payment. If this information can't be verified I demand these payments to be updated to paid on time immediately. I appreciate your time and attention to this matter and look forward to a timely resolution.

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 2025-05-14 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-14 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 response to consumer: Closed with explanation