vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-02 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: MO

Complaint narrative:
Before me, the undersigned authority, appeared who being first duly sworn, says that Equifax, XXXX XXXX XXXX XXXX XXXX has failed to Preform a reasonable investigation into the XXXX  XXXX XXXX  accounts on their respective credit reports in accordance with 15 U.S.C.1681s-2 ( b ), and 15U.S.C. 1681i ( a ) ( 1 ) ( A ). 

Before me, the undersigned authority, appeared who being first duly sworn, says that Equifax, XXXX  and XXXX XXXX XXXX  has failed to provide Proof of Ownership : Bill of Sale or Assignment Contract. False Representations : Regulation F and the Fair Debt Collection Practices Act ( FDCPA ) prohibit the use of any false, deceptive, or misleading representation in connection with the collection of a debt, including false representations of " the character, amount, or legal status of any debt ''. 

RE : Account Validation Request RE : Inaccurate Reporting/Deceptive Reporting Practices RE : Notification of Legal Proceedings Identifiers : XXXX XXXX XXXX : XXXX Number XXXX XXXX  Partial Account Number : XXXX. 
Equifax Partial Account Number : XXXX XXXXXXXX Based on : XXXX  Report Number : XXXX dated XX/XX/year> Equifax Report Number : XXXX dated XX/XX/year> Account Verification Letter dated XX/XX/year> CFPB Case Number : XXXX Written Notification / CFPB Complaints : CFPB Complain Number : XXXX CFPB Complain Number : XXXXEquifax CFPB Complain Number : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 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: AZ

Complaint narrative:
On XX/XX/year>, I applied for a loan using a " loan shopping '' website. I received some offers form different loan servicers. One that stuck out to me was XXXX XXXX which had offers at around 90 % APR. I did not accept these offers but two days later I received an email indicating my XXXX XXXX was XXXX. This is alarming as I track my credit score and last I check it was at least XXXX points higher. After some research I obtained my credit score from their source ( XXXX XXXX XXXX XXXXXXXX ) and my score is listed as XXXX. My score has not increased by over XXXX points in less than XXXX hours. This means that either XXXX XXXX XXXX XXXXXXXX or XXXX XXXX are underreporting my score to increase my interest rates, which would be fraud. 

XXXX : There is a mismatch between my XXXX XXXX Credit score and the one XXXX XXXX received by at least XXXX points which has increased my interest rates.

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 2025-11-01 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a Citi custom cash card. I was notified of strange charges, I logged in and saw transactions in Texas that were not mine, I live in NY and work for the City of NY so my location is logged, I have not been to Texas, my card is in a safe in my room! I called bank told of situation on XX/XX/year> instructed to put block on card and issue new, while they investigated.Charges were in texas on XX/XX/year>, XXXX charges XXXX and XXXX .Card was supposed to be blocked and I am still waiting on a new one! I received a letter today on XX/XX/year> from Citibank stating my dispute is now closed the cards XXXX chip was used at a chip reader and i verified the card was in my possession at time of transactions so I am responsible for charges!! Help me to understand something here how can charges that were physically made in texas at a chip reader be mines if it is in a safe in XXXX NY at the same time?? Don't they know thieves XXXX XXXX cards? Wouldn't common sense be in play here for an out of state transaction for someone who is in NY and not Texas?? Questions need to be asked what kind of investigation took place here if any at all? And to top it off I see a transaction for XXXX on XX/XX/year>? card is supposed to be Locked? A new card issued with new account numbers on XX/XX/year> make it make sense ... This is a Serious Breach of Citibank Security!! Also trying to dispute on their website an error message keeps popping up so conveniently so unprofessional.I called their customer service, they cut me off, told I have to call someone else next week dispute closed.So unprofessional especially when i was telling agent that charges were still going thru.Thank you for any help in the 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 explanation
Consumer complaint received 2025-11-01 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: MA

Complaint narrative:
To Whom It May Concern, I am writing to file a complaint regarding deceptive interest estimation and charging practices by the Apple Card, issued by Goldman Sachs. 

On XX/XX/year>, I missed a payment on my Apple Card with a remaining balance of approximately {$2700.00}. Following this, I was charged interest totaling around {$130.00}, which included both the stated APR of 25.74 % and an additional daily interest charge. This was unexpected and not clearly disclosed in advance. 

The Apple XXXX app includes a slider tool that estimates how much interest will accrue based on payment amounts. However, this tool does not disclose that missing a payment triggers daily compounding interest on both the previous balance and any new purchases. It also fails to explain that the grace period is lost after a missed payment, which significantly changes how interest is calculated. 

I believe this lack of transparency is misleading and does not provide consumers with a fair understanding of how interest is applied. The apps interface gives the impression that interest is predictable and avoidable with partial payments, but it does not warn users about the consequences of missing a payment or the true cost of residual interest. 

I respectfully request that the CFPB investigate this matter and consider whether Apple Cards interest estimation tools and disclosures meet the standards of clarity and fairness required under consumer protection laws. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Im filing this complaint because the credit reporting agencies are reporting inaccurate and inconsistent information about a collection account from XXXX XXXX XXXX XXXX XXXX XXXX. 

TransUnion reports this account as open with a last activity date of XX/XX/year>, while Equifax lists it as closed with a different date and status. Both show the same balance, but the information conflicts across bureaus and theres no clear Date of First Delinquency, which is required under the Fair Credit Reporting Act ( FCRA ). 

This violates FCRA 607 ( b ) because the bureaus failed to ensure maximum possible accuracy, and also FCRA 623 ( a ) ( 5 ) for not reporting the proper Date of First Delinquency. Under Regulation V 1022.43, any data that can not be verified or corrected must be deleted yet this account continues to appear inaccurately. 

I have not received any written validation or proof from the original creditor or the collection agency showing this debt is legitimate. The data being reported between the credit bureaus is inconsistent, misleading, and harmful to my creditworthiness. 

I feel like the credit reporting agencies are taking advantage of me as a consumer, ignoring their duty to protect the accuracy of my report under federal law. I am demanding that this account be immediately deleted from all of my credit reports. If this matter is not resolved, I will pursue litigation for violations of the FCRA and seek damages as permitted under 616617.

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 2025-11-01 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: MO

Complaint narrative:
I am filing this complaint because Equifax has repeatedly failed to conduct a lawful reinvestigation of my credit disputes and has instead used repeated identity verification stall tactics to delay and avoid compliance under the Fair Credit Reporting Act ( FCRA ). 

Equifax already verified my identity and completed a reinvestigation on XX/XX/year> ( Confirmation # XXXX ). Since then, I have submitted multiple follow-up disputes with full identifying documents. I also emailed a copy of my drivers license directly to XXXX on XX/XX/year>, which Equifax acknowledged. 

Despite already confirming my identity several times, Equifax sent me XXXX stall letters dated XX/XX/year>, XX/XX/year>, and XX/XX/year>, all demanding the same identity and address documents I had already provided and they had previously accepted. In XXXX of these letters ( XX/XX/XXXX ), Equifax labeled my dispute as frivolous even though they already had my identity verified and a prior dispute was still open. 
This conduct violates : 15 U.S.C. 1681i ( FCRA 611 ( a ) ( 1 ) ( A ) ) failure to conduct a reasonable reinvestigation within 30 days.

1681i ( a ) ( 6 ) failure to provide written results of the reinvestigation within 30 days.

1681e ( b ) / FCRA 607 ( b ) failure to maintain maximum possible accuracy.

Procedural obstruction repeatedly requesting identity verification even after multiple valid submissions to delay or avoid reinvestigation. 

Equifax has had my identity and disputes on record since at least XXXX, yet instead of reinvestigating or providing results, they have delayed the process for over 90 days using duplicate ID request form letters. This has caused measurable harm to my credit access, interest rates, and denied financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Premier Auto Credit
State: CA

Complaint narrative:
My Car was financed by premier finance i only had to pay two more months to finish off the loan i had gotten a extension from them i have tge message still were they asked me if i need it anextension to extended onecmore month wich i replied yes so according to my conversation wirh their repi was goid fo that month but i wsdnt cuz they came picked up the car with all my personel things that never got back and the car was repoed for the two last payments and now some third party is charging me the two months that the finance kept the car i have proof of all payments and extensionis so Unfair and dispicuble for these individuals from these lying egencys to scam hard working people they keot all the money and the car

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Company is making fraud claims. I have NEVER had any agreement with them. Company claims I had XXXX  XXXX bill, but address on the alleged bills wasnt even my address at the time. Hasnt been my address for many years. The fraudulent information they provided you with differed from what was once on my credit report. Which XXXX  deleted the collect account because they werent able to verify debt. They said I opened account in XXXX, which is a lie. Also contradicts the fabricated proof they attempted to provide to cfpb. THIS ACCOUNT WAS OPENED IN XXXX AND WRITTEN OFF. ONCE AN ACCOUNT IS WRITTEN OFF AND CLOSED IT CANT BE COLLECTED. IT WAS WRITTEN OFF IN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2. Both agencies are currently reporting accounts, inquiries, and/or collections that do not belong to me and were added without my authorization or consent.

These items are the result of identity theft and the unauthorized use or distribution of my personal information. Accordingly, they meet the federal definition of identity theft as defined by law.

I have attached my official FTC Identity Theft Report, which details the affected accounts and inquiries. In accordance with 15 U.S.C. 1681c2, I am formally requesting the immediate blocking and deletion of all unauthorized and/or unverifiable items from my consumer file.

Federal law requires that any item identified in a valid identity theft report must be blocked within four ( 4 ) business days of receiving this notice, unless you can provide documented, verifiable evidence proving the accuracy and ownership of the accounts in question. You currently have no permissible purpose or verifiable source to continue reporting these items.

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 2025-11-01 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: GA

Complaint narrative:
I am submitting this dispute to the CFPB regarding several negative items on my credit report that I believe to be inaccurate or unjustly reported. 
XXXX. XXXX XXXX Address : XXXX XXXX XXXX, XXXX, DE XXXX Issue : I was enrolled in a student loan forgiveness program, and due to the COVID-19 pandemic, there were significant disruptions that I was not made aware of. This has led to negative reporting on my credit. 
XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX Phone : ( XXXX ) XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX Actions Taken : Requested XXXX  removal of a negative item ( XX/XX/2025 ) Submitted correction for a credit reporting inaccuracy ( XX/XX/2025 ) XXXX. XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX / XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Legal Reference : Under 15 U.S.C. 1681c-2, I am entitled to dispute inaccurate or outdated information on my credit report, and the credit reporting agencies are required to investigate and rectify these inaccuracies. 

Additional Points : Some of these negative items were a result of disruptions caused by the XXXX pandemic, which impacted my ability to manage my accounts as usual. 
I was unaware of some of these items on my credit report and did not receive proper notification. 

I kindly request a thorough investigation and the removal of these inaccuracies 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 non-monetary relief
Consumer complaint received 2025-11-01 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:
I am submitting this dispute to the CFPB regarding several negative items on my credit report that I believe to be inaccurate or unjustly reported. 
XXXX. XXXX XXXX Address : XXXX XXXX XXXX, XXXX, DE XXXX Issue : I was enrolled in a student loan forgiveness program, and due to the COVID-19 pandemic, there were significant disruptions that I was not made aware of. This has led to negative reporting on my credit. 
XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX Phone : ( XXXX ) XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX Actions Taken : Requested XXXX  removal of a negative item ( XX/XX/2025 ) Submitted correction for a credit reporting inaccuracy ( XX/XX/2025 ) XXXX. XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX / XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Legal Reference : Under 15 U.S.C. 1681c-2, I am entitled to dispute inaccurate or outdated information on my credit report, and the credit reporting agencies are required to investigate and rectify these inaccuracies. 

Additional Points : Some of these negative items were a result of disruptions caused by the XXXX pandemic, which impacted my ability to manage my accounts as usual. 
I was unaware of some of these items on my credit report and did not receive proper notification. 

I kindly request a thorough investigation and the removal of these inaccuracies from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Hi i was doing some deposits online to XXXX and XXXX for a couple monhts then at the time to tried to make a cash out they wont let me XXXX of them just locked my account and i dont have any access to it and theother XXXX is just asking for more info. that the one they already have .. So i cantacted my bank which is ( SOFI ) online bank to reported those merchants as a fraudulents companies, i told them i made those deposits but they wont let me do a cash out so i asked my bank if they can help me with that to reverse those charges so we filed a dispute and this was about more than XXXX weeks and so far i just got back XXXX credit when the dispute was worth more than XXXX USD so all want is to get ( XXXX ) put more speed on it and get me the refund asap.because it doesnt look like if they are triying to help me..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Experian and TransUnion continue to report a 30-day late payment for my XXXX XXXX XXXX XXXX in XX/XX/year>. 

Equifax has already corrected this same account as current and never late. 

After I contacted XXXX, a representative who handles their credit bureau filings confirmed she would remove the late payment from all bureaus. She explained she had reviewed the call recordings and felt the account should be cleared. Following that, Equifax updated my report, but Experian and TransUnion have not. 

When I called XXXX again to confirm her name or obtain written proof, their staff said they had no record of that communication. This has left the error unresolved and inconsistent across the three bureaus. 

Please require XXXX XXXX, Experian, and TransUnion to synchronize their records and correct this verified error immediately.

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 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
An account by Portfolio Recovery Associates was added to my credit report. I have never received notification from them about this debt. I called them and requested a debt verification letter. I have not received anything in the mail after being told it would be sent. I also disputed with XXXX. To this date, I have not received any letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
In XXXX, PayPal permanently limited my account ( Reference ID : XXXX ) and stated that the reason was a violation related to adult services. I have never offered, sold, or advertised any adult or explicit services through PayPal or elsewhere.

I believe this was a misunderstanding.

I am requesting that PayPals compliance or executive review team reexamine this limitation, provide a written explanation of the reason for the ban, and confirm whether it can be lifted or cleared from my record. 
I am fully willing to verify my identity and cooperate with any review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
On XX/XX/year> at XXXX XXXX  Arizona XXXX XXXX, I called XXXX XXXX XXXX regarding a debt they are attempting to collect on behalf of Ally Bank, for a deafulted auto loan. Notably, in XX/XX/year>, I sent a certified letter to XXXX XXXX regarding this debt, which I have receipt of them receiving in their office on XX/XX/year>, however they only began reaching out to me in response to this letter in the days leading up to XX/XX/year> ( this is what I was told by the representative from XXXX XXXX ). 

Upon calling XXXX XXXX, I was transferred to a representative who I was told would be able to best assist me in discussing this debt. My conversation with the representative ( named " XXXX '' ) started without incident and continued as I would expect until our discussion regarding potential settlement or repayment options deepend. This representative suddenly became verbally abusive, accusatory, used demeaning language, and appeared to be attempting to antagonize, berate, or otheriwse enact verbal abuse. At this point, I requested to be transferred to a manager, which was done. Just as I was in the moment, I remain astonished regarding the behavior of this representative, and in awe of the professional boundaries and dencency of communication that were violated.

I then spoke with the manager about this incident, as well as the debt, and also requested a transcript and/or recording of the phone call, which she stated she would need to inquire about whether this is something that can be provided to me, and I have not yet heard back. 

I was extremely taken aback by this incident, and remain shocked and appalled that a representative would act in this manner.

Company response to consumer: Closed with explanation