vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Someone is using my personal information to open up fraudulent accounts. Ive contacted all three credit bureaus multiple times to request information about this situation and have not received any response.

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 2025-08-01 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: CA

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

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 2025-08-01 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: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XXXX, 2025, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect PersonaXXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation . However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 
I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-08-01 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: OK

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 grant 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 explanation
Consumer complaint received 2025-08-01 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: TN

Complaint narrative:
XXXX XXXX has inaccurately reported late payments on my account. Furthermore, they have failed to provide proper verification of these late payments as required under federal law.

Under the Fair Credit Reporting Act ( FCRA ) : FCRA 609 ( a ) ( 1 ) ( 15 U.S.C. 1681g ( a ) ( 1 ) ) I have the legal right to request any and all documentation that was used to verify this late payment. If you can not produce a signed agreement and original billing records, this late payment must be removed immediately per federal law.

FCRA 611 ( 15 U.S.C. 1681i ) You are legally required to reinvestigate and delete inaccurate, unverifiable, or outdated information from my report.

FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) The creditor must conduct a reasonable investigation upon dispute. Failure to verify with proper documentation within 30 days means this late payment must be deleted. 
Despite my attempts to resolve this issue, the inaccurate information remains. This violation of the FCRA has caused significant harm to my credit standing and must be rectified immediately. 
Please find attached a copy of my credit report highlighting the inaccuracies

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 2025-08-01 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation 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 2025-08-01 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: TX

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint regarding inaccurate and damaging credit reporting by Goldman Sachs, the issuer of the Apple Card. Ive tried every direct method in good faith, and Im now turning to you because this reporting error is causing long-term damage to my financial security.

Despite my account being in a payment assistance program arranged through Apple Card support, Goldman Sachs reported multiple late payments on my credit history. I was not given notice or a chance to rectify anything prior to these reports being made. I have since paid the account in full yet inaccurate the late payments remain on my record, severely damaging my credit score.

In addition, my credit report continues to show a {$7.00} balance, which has long been cleared. I have requested multiple times that this balance be updated to reflect the correct {$0.00} status. Ive sent emails and followed every proper channel, but have received no response or resolution from XXXX XXXX XXXX XXXX I've called multiple times and no one offers a solution. 

This situation has had a serious impact on my life. I am a single mother trying to purchase a home for my two children. These inaccurate and unfair marks are preventing me from accessing the mortgage I need because it is making it impossible to increase my credit. Whats most frustrating is that other lenders I worked with during financial hardship acted with humanity, care, and flexibility. Goldman Sachs has done the opposite failing to respond, failing to update errors, and failing to treat customers with basic decency. 

To make matters worse, the reported late payments were not missed due to negligence or disregard. They were processed through the payment assistance program. I was in a divorce, in survival mode, and doing the best I could with what was communicated to me. I do not think this should affect my operating in the world at large when I've done everything right. 

I am requesting the following : That the inaccurate late payments reported be removed from my credit history. 

That the lingering and inaccurate {$7.00} balance be corrected to reflect that the account has long been paid in full ( a long time ago ) I hope the CFPB will help resolve this! I can't afford a " credit fixer '' specialist and don't love the tactics they employ, to be honest. I've done everything in good faith. 

Eternally Grateful!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Subject : Dispute of Inaccurate Account Overview Dear CFPB Representative, I am writing to formally dispute an inaccurate account summary reported in my consumer file. According to the most recent report, Equifax has listed a remaining balance on several accounts listed above. 
1. XXXX XXXX XXXX XXXX. XXXX XXXX acct XXXX XXXXXXXX However, all account has been paid in full, and there should be 0 % left to pay. 
I am requesting that this inaccurate information be investigated and corrected immediately. I have enclosed documentation to support my claim and any correspondence with the lender verifying the account has been fully satisfied. 
This inaccurate reporting is affecting my credit profile and potentially impacting my financial reputation. I kindly request your assistance in resolving this matter with urgency. 
Thank you for your attention and support. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-08-01 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: IL

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at ( XXXX XXXX  ) on ( XXXX ) under the account number ( XXXX ) fraudulent hard inquiries and fraudulent collections appearing in my consumer FICO 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 fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All 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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
I am writing to formally dispute the account and/or investigations listed on my credit report. Upon reviewing my credit file, I have identified more than XXXXaccount that I do not recognize and did not authorize. 

In accordance with the Fair Credit Reporting Act ( FCRA ), any account reported on my file must have a permissible purpose and must be fully verifiable upon request. I am requesting that you : Provide the name and address of each entity that made the account Provide the documented proof of my written authorization for each of these account. 
If you can not verify that I authorized each account, I am formally requesting that all unverifiable or unauthorized account be removed immediately from my credit report. 

Additionally, please inform me in writing of the outcome of your investigation, as required under the FCRA. If you fail to respond within 30 days, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general. 

Attached are copies of my government-issued ID, proof of address, and a copy of the credit report highlighting the disputed inquiries for your reference. 

I expect a prompt response to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
To Whom It May Concern : I am filing this complaint because the national credit reporting agencies Experian, Equifax, and TransUnion are reporting collection accounts on my consumer credit file that have not been properly validated by the data furnishers or verified by the bureaus themselves. 

On XX/XX/year>, I submitted formal written disputes to each of the credit bureaus in accordance with the Fair Credit Reporting Act ( FCRA ), specifically citing the need for verification of multiple collection accounts that appeared on my credit report. I also submitted documentation showing that I had previously sent a Debt Validation Request under the Fair Debt Collection Practices Act ( FDCPA ) to the original collectors or furnishers, who failed to provide any supporting documentation as required under 15 U.S. Code 1692g.

Despite this, the credit bureaus continued to report the disputed accounts without providing sufficient proof that the debts are accurate, verifiable, or legally owed. This failure to correct or delete unverifiable information is a clear violation of my rights under the FCRA ( 15 U.S. Code 1681i ), which mandates that disputed items must be verified or removed within 30 days.

Additionally, in at least one instance, the credit bureaus marked the item as " verified '' without disclosing what documentation was reviewed. This raises serious concerns about the accuracy and integrity of their reinvestigation process and the potential mishandling or rubber-stamping of disputed claims.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be 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 explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BOK FINANCIAL CORP
State: PA

Complaint narrative:
I sent my supplier a check of XXXX on XX/XX/year> which she deposited same day. it was suppose to clear on XX/XX/year>. I was debited on XX/XX/year> by my bank which is XXXX. My supplier bank said they contacted my bank and my bank said the money was not authorized by me. But my bank said Bank of Texas never contact them. 

Bank of Texas has been frustrating both i and my supplier and refuse to communicate to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: TX

Complaint narrative:
US Bank is discriminating against customers who do not have a fixed physical address due to work-related travel. As a 100 % remote worker who travels full-time, I am repeatedly blocked from accessing basic banking services.

My US Bank ATM card expires at the end of XXXX. I called to request a replacement be shipped to a temporary addressa hotel where I will be staying. US Bank told me : - Replacement cards require 3-5 business days to arrive. 
- I must provide the exact hotel address and room number for delivery. 

It is impossible to provide a room number for a hotel stay that is still days away, because hotels only assign rooms at check-in. This policy makes it impossible for anyone traveling for work or without a permanent address to receive a replacement card. 

Additional Issues : - I am allowed to pick up a temporary ATM card at a branch, but not a permanent one. 
- Every interaction with US Bank results in additional, unnecessary roadblocks to fulfilling reasonable customer requests.

US Banks policies and customer service make it unreasonably difficult for full-time travelers to access their own money and maintain basic banking services.

Impact : This is discriminatory against people who travel for work or do not have a fixed address. US Banks inflexible policies force me to risk being without access to my own funds, or force me to provide information ( hotel room number ) that is literally impossible to obtain in advance.

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