vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Allegedly in XXXX XXXX XXXX XXXX got XXXX XXXX lawyers to file a judgment against me. I did not know anything about this judgment. 
Actually, in XXXX I saw the debt on my credit report and contacted XXXX XXXX to make a payment arrangement. We both agreed upon me paying {$75.00} per month, for a total of 24 months. This payment arrangement has been completed in XX/XX/XXXX. 
Last week I received a blank envelope with only my name on it, and I opened it. In the letter it states that XXXX XXXX XXXX XXXX will be garnishing my checks. I contacted them to tell them that the debt has been settled. When I talk to them, they stated that I did not follow what was stated on the judgment. I told them that I did not know about a judgment. I contacted a lawyer to help me on my behalf. When my lawyer contacted them, they stated to my lawyer that I had signed the judgment. The signature was forged. It was not my signature because it had the wrong capitalization and punctuation. They are now trying to garnish my checks.

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 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I have never had an account with this company I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: CT

Complaint narrative:
TransUnion continues to report account XXXX  on my credit report. This account showing that I have a {$650.00} available and {$190.00} usage and also showing collection/charge off. I requested that this account be removed from my credit report. They continue to report this account.

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 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
For the past three months, Ive been trying to resolve these inaccurate items on my report. Under FCRA 1681i and FCRA 1681e ( b ) XXXX XXXX TransUnion failed to conduct maximum possible accuracy of information reported. Nor did they provide me the original contract or signed agreement documentation proving I opened or authorized these accounts, the furnisher verifying the true DOFD and date opened!

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 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
my saving account was hacked and i was victim of identify theft. i have all documents, police report, trade federal commission identity theft report, XXXX XXXX phone stolen and re order to bank of america and i was not given my money back which by law i am not liable for any fraud unauthorized transaction made and also i was not even given the temporary credit back within 10 business days which is also the law. 
claim XXXX amount XXXXXXXX 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 2025-10-15 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: CA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
In XX/XX/year> Ive received a check in the mail from Goldman sacks ( Apple Card ) I thought it was a scam so ripped the envelop but upon checking I found out its a check With a message on the check as follow This notice is in accordance with the terms of a Consent Order Goldman Sachs Bank entered into with the Consumer Financial Protection Bureau, XXXX I contacted the bank at the time and they told me that I need to write a letter stating my name, email, mailing address, phone number, the claimant id and the reason for requesting a new check and mail the letter to the address in the check which is MATTER - XXXX XXXX XXXX XXXX XXXX MN I did all that in XXXX and until now I havent received any new check or anything. 
Numerous phone calls and every time I get oh its been issued and mailed to you and will take 7-10 business days to arrive in the mail and we are almost in mid XXXX and yet to receive anything in the mail. They even asked for my checking account and routing number to put it on file so they can direct deposit the check amount of {$130.00} into my checking account, yet to see any thing The check was a result of a law suite against Goldman sacks by CFPB in regard to their dispute process. 

Im not able to reach a solution or get the check reissued by the bank and they always give me the run around. 

Im seeking your help to get my check reissued and sent to me. I still have the old check with all information required and since the check expired already Im not able to access any info related to it in the website below as stated in the check. 

Thank you for your time and help XXXX XXXX XXXXXXXX Claimant Id XXXX Web access code. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One charged off my account after it was only 30 days late, even though standard practice is 180 days for credit cards. I requested them to fix this, but they verified the charge-off without correcting the timeline. This is not in line with federal guidelines, and I am requesting it be corrected.Ive Disputed this with the credit bureaus and they verified the incorrect timeline despite the evidence I provided showing it was too early.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XX/XX/year>, I opened a new Bank of America credit card with a 0 % promotional balance transfer offer and transferred approximately {$8000.00}. I immediately attempted to set up autopay, but unlike all my other credit cards ( XXXX XXXX XXXX XXXX XXXX XXXX ), Bank of America does not allow autopay setup until after the first statement posts. Their autopay feature is hidden inside a Bill Pay section and is not available during activation like industry-standard issuers allow. 

As a result of this system design, my first XXXX payments did not process, and Bank of America reported my account as 60 days late, which caused my credit score to drop from approximately XXXX to XXXX and my credit limit to be cut from {$13000.00} to {$8500.00}. I paid the account in full shortly after out of principle after speaking with the first rep on the phone on XX/XX/year>. 

On XX/XX/year>, after account paid in full, I attempted to close this account and the second rep XXXX submitted an internal CSA and e-form for multi-bureau correction as a Bank of America system error ( I have confirmation numbers if needed ). However, Bank of America later sent letters dated XX/XX/XXXX and XX/XX/year>, stating they would not change the reporting. I then filed my own disputes with all three credit bureaus : XXXX XXXX XXXX XXXX XXXX  ( I as well have a confirmation no. if needed ). 

I am requesting CFPB intervention due to inaccurate and harmful credit reporting caused by Bank of Americas system limitations, followed by failure to correct despite internal case acknowledgment. This late reporting is not a true reflection of my payment intent, and my account is currently paid and not delinquent, yet still reported as such. As well, due to this issue, my XXXX card just today XX/XX/year> slashed my credit limit from {$30000.00} to {$5000.00}.

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 2025-10-15 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: NY

Complaint narrative:
In XX/XX/year>, I opened a new XXXX XXXX XXXXXXXX credit card with a 0 % promotional balance transfer offer and transferred approximately {$8000.00}. I immediately attempted to set up autopay, but unlike all my other credit cards ( XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXXXXXX does not allow autopay setup until after the first statement posts. Their autopay feature is hidden inside a Bill Pay section and is not available during activation like industry-standard issuers allow. 

As a result of this system design, my first XXXX payments did not process, and XXXX XXXX XXXX reported my account as XXXX  days late, which caused my credit score to drop from approximately XXXX to XXXX and my credit limit to be cut from {$13000.00} to {$8500.00}. I paid the account in full shortly after out of principle after speaking with the first rep on the phone on XX/XX/year>. 

On XX/XX/year>, after account paid in full, I attempted to close this account and the second rep XXXX submitted an internal CSA and e-form for multi-bureau correction as a XXXX XXXX XXXX system error ( I have confirmation numbers if needed ). However, XXXX XXXX XXXX later sent letters dated XX/XX/XXXX and XX/XX/year>, stating they would not change the reporting. I then filed my own disputes with all three credit bureaus : XXXX XXXX Experian, and XXXX  ( I as well have a confirmation no. if needed ). 

I am requesting CFPB intervention due to inaccurate and harmful credit reporting caused by XXXX XXXX XXXXXXXX system limitations, followed by failure to correct despite internal case acknowledgment. This late reporting is not a true reflection of my payment intent, and my account is currently paid and not delinquent, yet still reported as such. As well, due to this issue, my XXXX card just today XX/XX/year> slashed my credit limit from {$30000.00} to {$5000.00}.

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 2025-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a written dispute with TransUnion on XX/XX/XXXX XXXX regarding multiple inaccuracies on my credit file. My dispute included : 1. XXXX XXXX XXXX XXXX XXXX ( # XXXX ) : The account was incorrectly reported as closed instead of open and current. 
A 30-day late payment from XX/XX/XXXX was inaccurately reported. 
I requested verification and correction of the payment history. 
2. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) : This account does not belong to me. I never owed this debt ; it was linked to a property my brother rented. 
I requested the account be removed entirely from my credit report. 
3. Duplicate Hard 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I requested all duplicate or incorrect inquiries be removed. 

Despite filing this dispute on XX/XX/XXXX, and receiving confirmation from TransUnion that my dispute was received and being investigated ( emails dated XX/XX/XXXXXXXX XXXX XXXX XXXX ), I have not received any written results or corrections. 

This exceeds the 30-day investigation period required under the Fair Credit Reporting Act ( FCRA ) 611, and TransUnion has failed to fulfill its legal obligation to complete a reasonable investigation and correct any inaccurate or unverifiable information.

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 2025-10-15 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

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 2025-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Subject : Failure to Correct and Remove Inaccurate and Unverified Consumer Information Agencies : Experian Information Solutions, Certified Notices Sent : XX/XX/year>, and XX/XX/year> Statement of Complaint This complaint concerns the continued reporting and maintenance of inaccurate, incomplete, and unverified information by the national consumer reporting agencies Experian, Equifax, and TransUnion. 

Despite receipt of two certified written notices, dated XX/XX/year>, and XX/XX/year>, each agency has failed to comply with the requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 1681e ( b ), 1681i ( a ), and 1681c ( a ).

Legal Basis Under the FCRA : 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. 1681i ( a ) : Upon notice of a dispute, a consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

15 U.S.C. 1681c ( a ) : Prohibits the inclusion of obsolete or outdated information in consumer reports.

The failure of Experian, Equifax, and TransUnion to remove unverified and outdated data, after proper notice, represents a willful and/or negligent noncompliance with these statutory obligations.

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 2025-10-15 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: NV

Complaint narrative:
Subject : Failure to Correct and Remove Inaccurate and Unverified Consumer Information Agencies : Experian Information Solutions, Certified Notices Sent : XX/XX/year>, and XX/XX/year> Statement of Complaint This complaint concerns the continued reporting and maintenance of inaccurate, incomplete, and unverified information by the national consumer reporting agencies Experian, Equifax, and TransUnion. 

Despite receipt of two certified written notices, dated XX/XX/year>, and XX/XX/year>, each agency has failed to comply with the requirements of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically 1681e ( b ), 1681i ( a ), and 1681c ( a ).

Legal Basis Under the FCRA : 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C. 1681i ( a ) : Upon notice of a dispute, a consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.

15 U.S.C. 1681c ( a ) : Prohibits the inclusion of obsolete or outdated information in consumer reports.

The failure of Experian, Equifax, and TransUnion to remove unverified and outdated data, after proper notice, represents a willful and/or negligent noncompliance with these statutory obligations.

Company response to consumer: Closed with non-monetary relief