vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-07-25 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:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
This collection company has been stressing me out and has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately from mycreditreport. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Subject : * * Formal Complaint Unauthorized Transfer Declines and Failure to Communicate * * My Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : * * Goldman Sachs Savings * * Issue Summary : XXXX XXXX XXXX XXXX XXXX Unauthorized Transfer Declines XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, a transfer of {$3000.00} to my external bank ( XXXX XXXX ending XXXX ) was declined without explanation. 
- On XX/XX/year>, a second transfer of {$3700.00} was also declined, despite : - A prior successful transfer of {$7000.00} on XX/XX/year> ( completed without issues ). 
- Completed multi-factor authentication and proper verification. 

XXXX XXXX XXXX Failure to Communicate : XXXX XXXX  - Goldman Sachs claims they tried contacting me ( emails received ), but no calls or messages were actually received. 
- No valid reason was provided for the declines, and customer support has been unresponsive. 

* * Requested Resolution : * * - A full explanation for the unjustified declines. 
- Immediate processing of the pending transfers ( {$3000.00} and {$3700.00} ). 
- Assurance of compliance with banking regulations. 

* * Attachments : * * - Screenshots of declined transfers ( XX/XX/XXXX, XX/XX/XXXX ) and successful transfer ( XX/XX/XXXX ). 
- Goldman Sachs emails claiming attempted contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
Hey I need to file multiple disputes, IXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and was just released XX/XX/XXXX and I also have my jail release papers. Every withdrawal made from my account from XX/XX/XXXX up until todays date should be reimbursed and was wrongfully taken and withdrawn from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: SC

Complaint narrative:
A XXXXXXXX XXXX  has been contacting me stating that i am XXXX XXXX and i owe them money. I then told them that I am not a XXXX XXXX and that I have several XXXX XXXXXXXX XXXX XXXX in my family, that my name is XXXX XXXX with no middle initial. They then reported this outstanding balance to my credit file. I explained to Transunion the issue and that this was not me and that i have impeccable credit and that i pay my debts on time. I put the debt into dispute but they still insisting me on being XXXX XXXX. Later i get this bill from a collection agency, XXXX XXXX XXXX XXXX that was turned over to them from XXXXXXXX XXXX in the amount of {$5400.00}. I then contacted them by phone requesting a validation letter and all other documents supporting this debt but they never reached back out. I reached back out to Transunion again explaining myself and also i sent over my driver license and a copy of my social security card which validates who i am. The debt still comes back incorrect, stating the debt belongs to me. Also there have been two occasions recently where Transunion telling me they could not find my credit file. Transunion sent me out a new credit file stating that my name is XXXX XXXX XXXX. So they refuse to update my file to the correct name and remove the incorrect reporting debt. This debt from the collection agency clearly states, XXXX XXXX in which I am XXXX XXXX, no initials. 

I am attaching all necessary information and the incorrect names on these credit reports, along with my driver 's license and a copy of my social security card. 

Thank you 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 2025-07-25 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: DE

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-07-25 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: NV

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I get a toll free call or a number from which my mobile carrier has determined to be a scam call. I ask for a email address and they claim they don't know that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I reached out to see about why my bankruptcy was on my credit report. They said they couldn't remove it and it has been verified.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I reached out to see about why my bankruptcy was on my credit report. They said they couldn't remove it and it has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 2025-07-25 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: IL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 explanation
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: MI

Complaint narrative:
I would like any outdated and unverified accounts deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX on the phone XXXX hours of the day. this company is VERY unprofessional, disrespectful and very demanding. the persons name is XXXX XXXX. I had a loan a few months back that the company stopped pulling payments from my card. The card was never changed, funds are always there. Today XXXX XXXX calls me screaming and demanding send payment now and being I take customer calls I am not going to stop my work to cater to disrespect. THIS MAN BLOWS MY PHONE UP CONSTANTLY AND I WENT ONLINE TO LOOK UP REVIEWS AND APPARENTLY THATS HOW THE COMPANY TREATS EVERYONE!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt, referenced as XXXXXXXX XXXX XXXX XXXX XXXX Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), I formally request validation of this debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), if you can not provide adequate validation, I demand that this account be deleted from my credit report. 

Please provide the following documentation as proof of the alleged debt : 1. A copy of the original signed agreement or contract establishing my obligation to pay.

2. A full account history showing the original creditor, amount owed, and payment history.

3. Verification that you are legally authorized to collect this debt in my state.

4. Proof that the alleged debt has not been paid, settled, or discharged.

If you can not provide adequate validation within 30 days, you must cease collection efforts and remove any negative reporting related to this debt from all credit bureaus in compliance with the FCRA and FDCPA. Failure to do so may result in legal action against your company.

Please respond in writing to the address provided above. I request that all future communications be in writing only. 

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 explanation
Consumer complaint received 2025-07-25 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I reached out to company to speak with someone regarding my status due to me being behind after my business was temporarily closed. They stated they could not waive any late fees and they have no hardship opportunities for customers. I got no where that call so things got worst. I ended up having to have a XXXX  XXXX which took me out of work for some time as well, so that left me overly behind. I asked for a payment plan and I was not granted that. I tried once more to come to an agreement with me to work something out as I am trying to repair my credit not help hurt it. I soon got a letter stating that the account was closed and reported terribly. This has been so traumatic and stressful as creditors are denying me for homes because of this.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I reached out to company to speak with someone regarding my status due to me being behind after my business was temporarily closed. They stated they could not waive any late fees and they have no hardship opportunities for customers. I got no where that call so things got worst. I ended up having to have a XXXX  XXXX which took me out of work for some time as well, so that left me overly behind. I asked for a payment plan and I was not granted that. I tried once more to come to an agreement with me to work something out as I am trying to repair my credit not help hurt it. I soon got a letter stating that the account was closed and reported terribly. This has been so traumatic and stressful as creditors are denying me for homes because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I reached out to company to speak with someone regarding my status due to me being behind after my business was temporarily closed. They stated they could not waive any late fees and they have no hardship opportunities for customers. I got no where that call so things got worst. I ended up having to have a XXXX  XXXX which took me out of work for some time as well, so that left me overly behind. I asked for a payment plan and I was not granted that. I tried once more to come to an agreement with me to work something out as I am trying to repair my credit not help hurt it. I soon got a letter stating that the account was closed and reported terribly. This has been so traumatic and stressful as creditors are denying me for homes because of this.

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 2025-07-25 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: CA

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