vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation.

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements.

I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above.

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute the presence of the hard inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
I informed the Apple Card manager that XXXX has already corrected the error, confirming the legitimacy of my dispute. She still refused to take action and said, We can wait until the dispute is over, despite acknowledging the timeline and internal admission that I was XXXX  days late. Her refusal to act despite clear evidence constitutes willful noncompliance and continues to harm my credit but since we are here : I am filing this complaint against Goldman Sachs Bank USA XXXX Apple Card ) for inaccurately reporting a XXXX late payment for XX/XX/year>, despite documented evidence that the payment was only XXXX  days late which violates credit reporting standards and the Fair Credit Reporting Act ( FCRA ). 

My {$50.00} minimum payment was due on XX/XX/year>. It was paid and satisfied on XX/XX/year>, which is XXXX calendar days past due, not XXXX. According to the Credit Reporting Resource Guide ( Metro 2 guidelines ), a XXXX late payment can not be reported unless the account is XXXX or more days delinquent. 

On a recorded call on XXXX, the Apple Card supervisor XXXX acknowledged that I was XXXX days late and that this was a misnomer on their part escalating the case to be resolved before XXXX. However, when I spoke with a manager on XXXX XXXX she refused to correct the error and instead focused on a new billing cycle amount due XX/XX/year>, which is irrelevant to the XXXX cycle, she dismissed the supervisors statement and the factual calendar timeline, even after I asked her to pull the recorded call. The extra {$25.00} theyre talking about was from a new billing cycle due XX/XX/XXXX which has nothing to do with the XX/XX/XXXX billing cycle, and therefore, can not justify a XXXX late mark for XXXX. 

This shows willful noncompliance with FCRA 1681e ( b ), which requires furnishers to report with maximum possible accuracy. I request the immediate correction of the XX/XX/year> payment status from 30 days late to on time, or at minimum less than XXXX days late, as legally required. Their refusal to acknowledge clearly documented timelines and internal supervisor admissions constitutes willful noncompliance with the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
This morning, I discovered that incorrect accounts had suddenly appeared on my credit report, and Im unsure how they got there. I routinely review my report, but this time I noticed unexpected discrepancies. I even refreshed the browser thinking it might be a technical error, but nothing changedthe errors remained. Due to this, Im requesting a detailed review of the documents Ive submitted to ensure this issue is resolved for good.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I voluntarily deactivated my Credit Karma account and explicitly requested the deletion of all personal and credit-related data associated with me. However, Credit Karma refused to delete the data, stating it will be retained for XXXX more years under an " anonymization process. '' I never consented to this prolonged retention, and anonymization is not an acceptable or lawful substitute for full deletion under consumer protection laws. 

This policy violates : FCRA 605 and 609 ( retention of data after termination without purpose ) The California Consumer Privacy Act ( CCPA ), if applicable Gramm-Leach-Bliley Act ( improper processing of personal data ) I previously submitted a CFPB complaint ( # XXXX ), but Credit Karma did not comply with my deletion request nor provide proof of anonymization. I am requesting the CFPB escalate this issue and compel Credit Karma to : Permanently delete all personal data associated with my account. 

Provide proof of deletion or compliance. 

Submit to regulatory review for handling of deactivated consumer accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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  Inquiries : 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 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 2025-05-22 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: TX

Complaint narrative:
Equifax is reporting XXXX inaccurate addresses on my credit report that do not belong to me. These addresses are not reported by Experian or TransUnion, which highlights a clear inconsistency. My personal information was compromised in the Equifax data breach, and I have attached my claim ID for reference. 

In addition to the inaccurate addresses, there are also unauthorized accounts on my report that appear to be the result of this breach. 

I am requesting immediate removal of the incorrect addresses and accounts. I have attached a list of the disputed items for your review and resolution. 

Addresses : XXXX 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 XXXXXXXX XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: CO

Complaint narrative:
b'Subject: Experian Refuses to Remove Incorrect Mortgage Account Despite Verification and XXXX  Correction\n\nTo Whom It May Concern,\n\nI am filing this complaint against Experian for continuing to report a mortgage account that does not belong to me, even after repeated disputes and third-party verification confirming the inaccuracy.\n\nThe mortgage account in question is with United Wholesale Mortgage. I contacted them, and they confirmed that I am not associated with this loan. I am not listed on the mortgage and have no financial responsibility for it.\n\nBased on this, I filed a dispute with Experian on XXXX XXXX XXXX. Experian responded with:\n\n"The information you disputed has been verified as accurate; however, information unrelated to your dispute has been updated. Please review your report for the details."\n\nI don\'t think any corrective action was taken. I then submitted a second dispute on XXXX XXXX XXXX and have yet to receive a response as of the date of this complaint.\n\nMeanwhile, I filed a similar dispute with XXXX, which investigated and promptly removed the incorrect mortgage account and its late payment history from my credit report. I am attaching a copy of my updated XXXX credit report as evidence.\n\nDespite clear documentation and a precedent set by XXXX, Experian has failed to take any meaningful action. This inaction has had severe consequences:\n\nMy credit score has dropped.\n\nI was denied financing for a vehicle purchase.\n\nI cannot qualify for credit cards due to my damaged credit.\n\nI am requesting that the CFPB intervene and require Experian to:\n\nRemove the inaccurate mortgage account from my credit report.\n\nReverse the negative credit impact, including any late payments associated with the account.\n\nProvide a written explanation of how the account was "verified" as accurate despite documented evidence.\n\nPlease treat this as an urgent matter. I am attaching a copy of my corrected XXXX  report for you to look over.\n\nThank you for your time and assistance.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 non-monetary relief
Consumer complaint received 2025-05-21 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: AZ

Complaint narrative:
I am writing to formally dispute the presence of unauthorized hard inquiry on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified this inquiry that was conducted without my explicit consent or knowledge. I am reaching out to seek your assistance in thoroughly investigating and expeditiously removing this particular inquiry from my credit report, as it adversely affects my creditworthiness.

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 2025-05-21 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
Subject : Demand for Validation of Wet Signatures & Removal of Unauthorized Inquiries/Accounts To : Consumer Financial Protection Bureau ( CFPB ) Submitted via : CFPB Complaint Portal Complaint Details : Dear CFPB, I am submitting this formal complaint to dispute unauthorized hard inquiries and accounts on my credit reports from Equifax, Experian, and TransUnion. Under federal law, creditors must provide proof of a wet signature ( physical authorization ) or other legally valid consent before accessing my credit or opening accounts. The following entries were made without my permission, and I demand validation of my signature as required by : 15 U.S. Code 1681b ( FCRA Permissible Purpose ) Creditors must have proper authorization.

15 U.S. Code 1681i ( Dispute Process ) Bureaus must investigate and correct inaccuracies.

Regulation B ( ECOA, 12 CFR 1002.9 ) Requires written applications for credit. 

Unauthorized Inquiries & 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 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  Requested Actions : Provide Wet Signature Verification Each creditor must submit signed authorization proving I consented to these inquiries/accounts. 

Immediate Removal of Unauthorized Entries If no valid signature exists, the bureaus must delete these items.

Block Future Unauthorized Access Prevent these creditors from further reporting without proof of consent. 

Send Updated Credit Reports Confirm corrections in writing. 

Supporting Evidence : I never signed for these accounts or inquiries. 

I previously disputed these with the bureaus Attached : My ID, proof of address, and any prior disputes. 

Federal law requires creditors to validate debts and inquiries. If they can not provide a wet signature or equivalent authorization, these entries must be removed. 



Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: NY

Complaint narrative:
I reached out to Discover to request hardship assistance due to ongoing financial struggles due to the XXXX wildfires, including job instability and temporary housing insecurity. I was transparent about my situation and asked for options such as reduced payments, interest rate relief, or a hardship program. 

In response, the representative I spoke with was dismissive and unhelpful. They repeatedly stated that " Discover doesnt offer hardship programs '' and told me my only option was to make a payment or allow the account to default. They did not offer to explore any payment relief options, nor did they show any willingness to help me manage my debt responsibly. 

I explained that Ive been trying to stay ahead of my debt and wasnt looking to avoid repayment, just some flexibility or support. I even mentioned how other lenders have offered helpful plans ( e.g., forbearance, temporary rate reduction, or waived late fees ), but Discover refused to engage with me in any meaningful way. 

I want to highlight that I never received nor activated the Discover card due to identity verification issues on your end. My account was closed before I had the opportunity to use or activate the card. Despite this, the negative marks from this account have impacted my credit score significantly. 

I contacted Discover multiple times to request hardship assistance due to financial difficulties. Despite explaining my situation clearly, I was repeatedly told there was nothing they could do. No tailored hardship options were offered, and their tone was often dismissive. 

Overall, Ive experienced : Refusal to provide meaningful hardship accommodations Misleading information and contradictions between agents A lack of empathy and understanding of my financial stress Intimidating phrasing that caused emotional distress I feel Discover has mishandled my hardship request, failed to offer clear or consistent solutions, and retaliated with threatening language when I pushed for clarity. This has affected my mental health and credit standing. 

I would like : Proper hardship accommodations retroactively applied. 

Removal or reversal of any negative credit reporting during the period I was seeking help. 

Accountability for the misleading and aggressive communication. 

Please find attached a PDF document that summarizes and timelines my recent communications regarding my account. This document outlines my efforts to resolve my account issues and request assistance. 

I hope this summary provides clarity and context to my situation. I appreciate your time and look forward to your support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: TX

Complaint narrative:
Recently I chrcked my. Experian credit report and. Found the following. Account There Inacuracies. According cto the. Irs XXXX charge offs are income it should not. Be in my credit report Account number XXXX Account type Auto loan Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Account charged off {$47000.00} XXXX off Status update XX/XX/XXXX Balance update {$20000.00} Balance update XX/XX/XXXX XXXX  payment {$3100.00} as of XX/XX/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