vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-16 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: LA

Complaint narrative:
This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and inconsistent information being reported on my credit file concerning the XXXX XXXX auto loan account # XXXXXXXX XXXX XXXX XXXX XXXX 

Despite the account being fully paid and closed with a XXXX balance, there are notable discrepancies among the credit bureaus that reflect errors in reporting : Opening Date Discrepancy : TransUnion reports the account as opened on XX/XX/XXXX, while Experian and Equifax report XX/XX/XXXX. 

Term Length Inconsistency : TransUnion shows a XXXX term, while Experian and Equifax report 73 months. 

Date of Last Activity/Reporting Issues : TransUnion last reported activity on XX/XX/XXXX, yet Equifax reports XXXX XX/XX/XXXX despite the account being paid and closed in XXXX. 

Under FCRA Section 607 ( b ), credit bureaus are obligated to ensure that all information on a consumer report is accurate and up to date. These inconsistencies are misleading and create confusion in my consumer profile.

Therefore, I am requesting the following : Immediate removal of this account across all credit bureaus. 
deletion of any information that can not be properly verified, particularly outdated or incorrect payment and reporting dates. 
Written confirmation that the deletion have been made within 15 days of receiving this notice. 
If the inaccurate data is not resolved promptly, I will proceed with legal remedies under FCRA Sections 616 and 617 for noncompliance. 

Thank you for your immediate attention to this matter. I expect a full response confirming resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CA

Complaint narrative:
This letter serves as final notice of my dispute regarding the inaccurate late payment reporting on my credit file and your agencys ongoing failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite previous disputes, you have continued reporting this derogatory information without providing any documentation to support its validity. A generic 'verified ' response does not satisfy the legal requirement to perform a reasonable reinvestigation under FCRA 1681i.

You are also in violation of FCRA 1681e ( b ) which requires that you ensure the maximum possible accuracy of the information you report. Your failure to remove unverifiable data and your refusal to produce original documentation demonstrates willful noncompliance.

You now have 30 days from the date of this letter to provide the following : - Full and complete documentation from the original creditor validating the alleged late payment ; - A detailed explanation of the reinvestigation process and verification methods ; - Immediate deletion of the disputed item if it can not be 100 % verified with original, substantive evidence. 
In support of my position, I refer you to the most recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against major credit reporting agencies : - In XX/XX/2025, the CFPB sued Experian for failing to properly investigate consumer disputes and continuing to report inaccurate data. 


XXXX XXXXXXXX XXXX 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 2025-05-16 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: GA

Complaint narrative:
I am writing to formally dispute the unauthorized reinsertion of accounts previously deleted from my credit report. This action violates the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) and Metro 2 compliance guidelines. The accounts in question are :. 
DEPT OF ED/XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$1100.00} DEPT OF ED/XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2000.00} These accounts were previously investigated and deleted due to my rights under the Fair Credit Reporting Act ( FCRA ), Title 15 USC 1681 et seq. , specifically 609 ( a ) and 605B, I am requesting the immediate blocking and permanent deletion of the following fraudulent accounts from my credit file, yet they have reappeared on my consumer file without proper notification or compliance with FCRA requirements.

Violations include : No notification of reinsertion ( FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) ).

609 ( a ) and 609 ( b ) No certification of accuracy from the furnisher before reinsertion ( FCRA 611 ( a ) ( 5 ) ( B ) ( i ) ). 
Inaccurate reporting of XXXXXXXX XXXX XXXXXXXX ( Closed with balance ), violating 15 U.S.C. 1681e ( b ).

Failure to maintain reasonable procedures for maximum accuracy ( FCRA 607 ( b ) ).

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 2025-05-16 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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
Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several inquiries that are incorrectly reported or showing inaccurate data. Below are the details of the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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
Consumer complaint received 2025-05-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XX/XX/year> Subject : Identity Theft Dispute Fraudulent Accounts on My Credit Report Pursuant to 15 U.S.C. 1681 et seq. and 1681n ( FCRA ), and 15 U.S.C. 6802 ( XXXX  ) XXXX XXXX XXXX Account # XXXX To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of accounts and inquiries on my credit report that are the result of identity theft. These accounts were opened and used without my knowledge or authorization, constituting a violation of my consumer rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and privacy protections under 15 U.S.C. 6802. 

The following accounts were fraudulently opened : XXXX XXXX XXXX Account # XXXX These accounts do not belong to me, and I did not authorize their creation, use, or reporting. XXXX were the result of identity theft. As such, I am exercising my rights under : 15 U.S.C. 1681c-2, which gives identity theft victims the right to block fraudulent information.

15 U.S.C. 1681i, which requires reinvestigation of disputed information.

15 U.S.C. 1681n, which holds data furnishers and CRAs liable for willful noncompliance.

15 U.S.C. 6802, which restricts the sharing of my nonpublic personal information without consent. 

Enclosed with this letter are the following supporting documents : A copy of my government-issued photo ID Proof of residence ( e.g., utility bill or lease ) A copy of the FTC Identity Theft Report or police report ( if available ) A copy of my credit report with the fraudulent accounts highlighted Request for Action : I demand the immediate blocking and permanent removal of the above fraudulent accounts from my credit report, in accordance with FCRA 1681c-2.

Please complete your investigation and provide written confirmation of the outcome within 30 days as mandated by law.

Failure to comply with the FCRAs provisions, including 1681n, may result in legal consequences including actual damages, statutory damages, and attorneys fees. 

Thank you for your prompt attention to this urgent 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 explanation
Consumer complaint received 2025-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
On XXXX XXXX, 2025, my business closed, yet creditors continued attempting withdrawals. We informed them to stop, but by XXXX, we noticed daily overdraft fees accumulating to over {$3500.00}, with no clarity on their source from our bank statements. 

We began investigating these fees, which started after our closure. Our bank manager could offer limited assistance due to privacy rules, leaving us frustrated. While some creditors paused their actions, others were unhelpful. 

By XXXX, we discovered that automatic payments had persisted despite our notifications. We acted quickly to halt these charges. Meanwhile, our bank, XXXX, caused financial distress with the multiple overdraft fees. 

In XXXX, we focused on disputing the overdraft fees with the bank, gathering documentation to support our case. Our business closure marked the start of our fight for resolution and fairness. We aimed to understand how this occurred to prevent similar issues for others in the future.

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 2025-05-16 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: CT

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: KY

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: KY

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-16 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-05-16 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: NC

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXXXXXX XXXX XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$17000.00} XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-16 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: NC

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXXXXXX XXXX XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$17000.00} XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-05-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Ive had continuous issues with Apple Card regarding their handling of chargeback disputes. Over the years, Ive provided solid evidence on multiple occasions that certain charges were inaccurate. The first two times, the amounts were smaller, and after repeated attempts to resolve the issues with their disputes department, I eventually gave up. 

However, starting in XX/XX/year>, I was hit with a fraudulent charge from a discount XXXX XXXX for approximately {$1700.00}. I was forced to dispute the charge five separate times, and only on the fifth attempt did I learn that none of the information I had previously provided was ever reviewed or acted upon. 

During that time, I also discovered that Apple Card ( through Goldman Sachs XXXX has a documented history of legal issues involving their disputes process. I raised this concern directly and informed them that if my dispute wasnt handled properly, I would need to file a formal complaint. 

Around the same time, I was instructed to change my Apple XXXX due to a charge for an app I did not authorize. I complied with the instruction. Shortly after and without any prior warning my Apple Card account was suddenly closed. This not only dropped {$15000.00} of available credit from my credit report, but also severely impacted my credit score.

To this day, I do not know if the account closure was retaliation for my complaints and references to their legal obligations, or if it was somehow related to the unauthorized app charge. I have asked for an explanation on multiple occasions, and they have refused to provide any reasoning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-16 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: GA

Complaint narrative:
i have inquiries on my report that i did not authorize.

Company response to consumer: Closed with explanation