vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
Due to a data breach, my personal information was compromised, resulting in unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me but remain on my report, adversely affecting my credit profile. Despite my efforts to resolve these inaccuracies, they persist, raising significant concerns about the security of my personal information and the accuracy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: CT

Complaint narrative:
I previously disputed XXXX account ( XXXX XXXX XXXX with Trans Union , Equifax and Experian regarding incorrect dates, amounts and account numbers being reported. Account number XXXX XXXX XXXX XXXX XXXX listed on Trans Union and Experian. Account number XXXX XXXX XXXX XXXX XXXX listed on Equifax. Each bureaus noted that the dispute is resolved. I still disagree and they are still reporting inconsistent and incorrect information. 
See attached screen shots of the account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: CT

Complaint narrative:
I previously disputed XXXX account ( XXXX XXXX XXXX with Trans Union , Equifax and Experian regarding incorrect dates, amounts and account numbers being reported. Account number XXXX XXXX XXXX XXXX XXXX listed on Trans Union and Experian. Account number XXXX XXXX XXXX XXXX XXXX listed on Equifax. Each bureaus noted that the dispute is resolved. I still disagree and they are still reporting inconsistent and incorrect information. 
See attached screen shots of the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 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: GA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXXXX/XX/year>

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 2025-05-06 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 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 XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 2025-05-06 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: CT

Complaint narrative:
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. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability agai
nst the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Lentegrity Management, LLC
State: TX

Complaint narrative:
I purchased a vehicle on XX/XX/year> and financed it through Lentegrity. The vehicle was later discovered to have a branded/salvage title, which was not clearly disclosed in the main sales or finance contracts. The only mention was in a separate side disclosure document, which was not explained or presented transparently at signing. Lentegrity later confirmed they were aware the vehicle had a branded title, as they had requested the salvage title themselves.

Despite this, the vehicle was financed for over {$36000.00} significantly above fair market value for a branded title vehicle. This has resulted in a severely upside-down loan and misrepresentation of the vehicles true worth. Ive made consistent, on-time payments and have reduced the balance to around {$11000.00}. However, after falling behind on just one payment, Lentegrity has become extremely aggressive in pursuing repossession instead of working toward a resolution. 

Most notably, XXXX a representative from Lentegritys repossession department has been consistently nasty, rude, and unprofessional throughout every interaction. She has shown no willingness to help or even listen to the situation, and her tone has been combative and dismissive despite the ongoing dispute and the fact that I have been cooperative. She continues to apply pressure instead of offering any meaningful support or solution. 

Ive also requested documentation from Lentegrity regarding their knowledge of the branded title, as well as justification for the inflated loan amount. To date, I have not received a satisfactory response. 

I am seeking CFPB review into whether this loan was issued under deceptive, misleading, or predatory conditions and whether Lentegrity failed in their duty to provide transparent and fair disclosure. I am also requesting protection from further aggressive collection actions while this dispute is being investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within XXXX ( XXXX ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXX XXXX  XXXX * * * * Balance : {$0.00} XXXXXXXX XXXX XXXX * * * * Balance : {$0.00} XXXX XXXXXXXX * * * * Balance : {$110.00} XXXX XXXX XXXXXXXX * * * * Balance : {$26000.00} XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX XXXX ) XXXX * * Balance : {$11000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX * * * * Balance : {$500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I am filing a complaint regarding Barclays BankXXXX XXXX for inaccurate, non-compliant, and misleading credit reporting on my credit file. The account shows a charge-off yet continues to report monthly CO statuses, past-due balances, and delinquencies beyond the charge-off date. This violates Metro 2, FCRA 1681e ( b ), and 1681s-2 ( b ). It also lacks the legally required Date of First Delinquency. This account is materially misleading and should be permanently deleted. Subject : Inaccurate Credit Reporting Metro 2 and FCRA Violations by XXXX XXXX XXXX, and Barclays Bank Delaware. 

I am filing a formal complaint against all three credit reporting agencies and Barclays Bank Delaware for continuing to report inaccurate and conflicting data for the BarclaysXXXX XXXX account XXXX 

Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Details of Violation : XXXX  reports the account as " Open '' while XXXX  and XXXX list it as " Charge-Off '' and " Closed ''. 

Payment history is re-aged after charge-off ( XXXX lates ) violating FCRA and Metro 2 . 

Conflicting dates of last activity and different credit limits across bureaus. 

{$430.00} past due reported post charge-off with no accurate update status.

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 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I just explained what happendd i had a negative balancd of XXXX in cash i had XXXX in bitcoin in myacvount give or XXXX a coupld cents so i used that to paytowards the XXXX i was negative they accepted it and said i could use my account agsin i figured they would takd the remaning XXXX cents or whatever from my incoming lightning transfer but they took the entire XXXX again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Issue : Unauthorized Payment Method Used & Resulting Interest Charges Company : Goldman Sachs Bank USA ( Apple Card ) Description of the Problem : In XX/XX/year>, I scheduled a payment to cover my full Apple Card balance using my XXXX bank account. However, Apple Card instead pulled the funds from a XXXX account that I never linked, added, or authorized for payments. This account was connected through XXXX externally, not through Apple Cards interface. As a result, the payment was rejected without my knowledge, and the XXXX statement closed with no payment applied. 

When I realized what had happened, I immediately contacted customer service and made the correct payment on XX/XX/XXXX, using the right account. Despite this, Apple Card still assessed an interest charge of {$36.00}, claiming the XX/XX/XXXX payment only applied to the XXXX cycle. 

I contacted Apple Card support multiple times, explaining the situation and even providing screenshots. Instead of helping, the agents were dismissive and condescending. I was blamed for the unauthorized payment method being used and told there was nothing they could do, despite the payment error being entirely due to their system. 

Why Im Filing : This is a serious breach of financial protocol and privacy. An account I never authorized was used to make a payment, I was penalized for it, and my attempts to resolve the issue were met with unprofessional and hostile treatment. I want this charge removed and Apple Card held accountable for the error and the customer service I experienced.

Resolution Sought : Removal of the {$36.00} interest charge Acknowledgment of the payment system error and written assurance it will not happen again Documentation showing the XXXX account has been removed Internal investigation into how this account was used without explicit authorization Review of the conduct of customer service representatives involved

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-06 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX BALANCED {$30000.00} This account have resulted in several appearing on my consumer XXXX 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 accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts 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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In XX/XX/XXXX, I applied for financing through XXXX XXXXXXXX XXXX XXXX XXXX XXXX, which I canceled immediately. I never received or used any service or funds. I was assured by the provider that the account would be canceled. Months later, while applying for a mortgage, my loan XXXX informed me that my credit report shows XXXX and XXXX late payments for this XXXX account ( XXXX, XXXX, and XX/XX/XXXX ). 

This inaccurate derogatory reporting is jeopardizing my real estate transaction and putting my {$25000.00} deposit at risk. I contacted the dental office again and was told the account was canceled and that they refunded the amount to XXXX. This appears to be furnishing of false and misleading information in violation of FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX XXXX standards, as I never received services or owed any debt. The credit XXXX, Experian, and XXXX to report this account despite it being legally and factually invalid. 

I view this situation as negligent and harmful. XXXX XXXX and the credit bureaus are collectively reporting data that is not only inaccurate but also a result of a canceled transaction, which borders on deceptive and unfair practices under the Consumer Financial Protection Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In XX/XX/XXXX, I applied for financing through XXXX XXXXXXXX XXXX XXXX XXXX XXXX which I canceled immediately. I never received or used any service or funds. I was assured by the provider that the account would be canceled. Months later, while applying for a mortgage, my loan XXXX informed me that my credit report shows XXXX and XXXX late payments for this XXXX account ( XXXX, XXXX, and XX/XX/XXXX ). 

This inaccurate derogatory reporting is jeopardizing my real estate transaction and putting my {$25000.00} deposit at risk. I contacted the dental office again and was told the account was canceled and that they refunded the amount to XXXX. This appears to be furnishing of false and misleading information in violation of FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX XXXX standards, as I never received services or owed any debt. The credit XXXX, Experian, and XXXX to report this account despite it being legally and factually invalid. 

I view this situation as negligent and harmful. XXXX XXXX and the credit bureaus are collectively reporting data that is not only inaccurate but also a result of a canceled transaction, which borders on deceptive and unfair practices under the Consumer Financial Protection Act.

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 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In XX/XX/XXXX, I applied for financing through XXXX XXXXXXXX XXXX XXXX XXXX XXXX  which I canceled immediately. I never received or used any service or funds. I was assured by the provider that the account would be canceled. Months later, while applying for a mortgage, my loan XXXX informed me that my credit report shows XXXX and XXXX late payments for this XXXX account ( XXXX, XXXX, and XX/XX/XXXX ). 

This inaccurate derogatory reporting is jeopardizing my real estate transaction and putting my {$25000.00} deposit at risk. I contacted the dental office again and was told the account was canceled and that they refunded the amount to XXXX. This appears to be furnishing of false and misleading information in violation of FCRA XXXX ( a ) ( XXXX ) ( A ) and XXXX XXXX standards, as I never received services or owed any debt. The credit bureausEquifax, Experian, and XXXX to report this account despite it being legally and factually invalid. 

I view this situation as negligent and harmful. XXXX XXXX and the credit bureaus are collectively reporting data that is not only inaccurate but also a result of a canceled transaction, which borders on deceptive and unfair practices under the 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