vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: NV

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4500.00} XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$4000.00} Original Creditor XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1300.00} Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NV

Complaint narrative:
Good day, I am submitting this follow-up regarding a prior dispute I filed about numerous inaccurate, inconsistent, and unverifiable items appearing on my credit reports. I previously requested a reinvestigation, but these items remain on my file without adequate verification or correction. These reporting errors do not reflect my actual payment history and are harming my credit profile.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies and furnishers are required to ensure maximum possible accuracy and to promptly correct or delete unverifiable or inaccurate information. The continued reporting of these items is a violation of my rights under federal law, and the presence of this untruthful information continues to negatively affect my credit standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7100.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$4500.00} XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$4000.00} Original Creditor XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1300.00} Original Creditor XXXX XXXX XXXX XXXXXXXX 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 2025-11-03 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 sending this formal complaint to notify you that I have been a victim of identity theft. A report has been filed with the Federal Trade Commission ( FTC ) in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate and block fraudulent information identified in an identity theft report. XXXX XXXX XXXX XXXX XXXX balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} XXXX CARD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX balance $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} XXXX XXXXXXXX XXXX XXXX  XXXX {$3900.00} : XXXX XXXX XXXX XX/XX/year> XXXX CARD XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-03 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: FL

Complaint narrative:
I am sending this formal complaint to notify you that I have been a victim of identity theft. A report has been filed with the Federal Trade Commission ( FTC ) in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate and block fraudulent information identified in an identity theft report. XXXX XXXX XXXX XXXX XXXX balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} XXXX CARD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX balance $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} XXXX XXXXXXXX XXXX XXXX  XXXX {$3900.00} : XXXX XXXX XXXX XX/XX/year> XXXX CARD XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I previously submitted a written dispute to APPLE CARD/XXXX XXXX XXXX dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file.

Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), APPLE CARD/XXXX XXXX XXXX  has failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since APPLE CARD/XXXX XXXX XXXX did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure APPLE CARD/XXXX XXXX XXXX immediate compliance with FCRA requirements.

APPLE CARD/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
I am submitting to formally dispute several inaccurate and misleading Late Open notations currently appearing on my credit report. After carefully reviewing my file, I noticed multiple accounts are being reported with late payments or delinquency statuses that are not accurate or properly verified. These errors have unfairly damaged my creditworthiness, and I am requesting an immediate reinvestigation under the Fair Credit Reporting Act ( FCRA ). The following accounts are in dispute due to inaccurate late payment reporting and failure to verify accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1600.00} Late 60 Days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$690.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$25000.00}

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 2025-11-03 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:
I am submitting to formally dispute inaccurate reporting regarding my XXXX XXXX XXXXXXXX account, which is currently reported as a late closed account with a balance of {$22000.00}. According to my records, this account is tied to open accounts, and the reported late closure does not accurately reflect the status or history of my payments. This discrepancy misrepresents my actual account activity and has created an unjust reflection of my credit profile. 
XXXX XXXX XXXXXXXX Balance : {$22000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has repeatedly refused to allow me access to my own credit report, even after verifying my identity and confirming that updates were made to my credit profile. I followed all verification procedures requested by Equifax, and they acknowledged that my profile was updatedyet they continue to deny me the ability to review my report.

This has directly harmed me. Because I can not view or confirm the accuracy of my Equifax credit file, I have been denied several apartment rental applications. These denials are based on information that I have no way of verifying or correcting, which has caused financial hardship and emotional distress.

Equifaxs actions violate the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681g ( Section 609 ) : My right to obtain a full copy of my consumer file upon request and proper identification.

15 U.S.C. 1681i ( Section 611 ) : My right to review and dispute inaccurate or incomplete information.

15 U.S.C. 1681m ( Section 615 ) : My right not to suffer adverse actions based on consumer information that is inaccessible to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
I previously submitted a dispute under FCRA 611 ( 15 U.S.C. 1681i ) regarding several entries on my credit report that I believe to be inaccurate, incomplete, or not properly verified. The accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a balance of {$4800.00}, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$7800.00}. Despite my prior dispute, these entries continue to appear on my credit report, and I have not received any explanation, validation, or documentation from the credit bureau regarding their continued reporting. This constitutes a violation of the reinvestigation and accuracy provisions under FCRA 1681i and 1681e ( b ). Accurate reporting of all accounts is essential to ensuring fair evaluation of my creditworthiness. The continued presence of these potentially inaccurate or unverifiable accounts negatively impacts my credit profile, financial opportunities, and ability to obtain fair credit. If any of these accounts can not be fully verified using original documentation from the data furnishers, I respectfully request that they be removed from my credit report in accordance with federal 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 non-monetary relief
Consumer complaint received 2025-11-03 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 sending to formally dispute several inquiries that appear on my credit report which I believe are inaccurate, incomplete, or not authorized by me. Under the Fair Credit Reporting Act ( FCRA ), I request a full reinvestigation of each inquiry listed below and that any inquiry found to be incorrect or unverifiable be promptly deleted from my credit file. 

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 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 2025-11-03 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: FISERV FINXACT CORE
State: IA

Complaint narrative:
The following transaction and hard inquiry information currently listed on my XXXX XXXX Report is not my transaction or hard inquiry : XXXX XXXX XXXXXX/XX/year>.

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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The Synchrony bank closed my paypal cashback mastercard account on XX/XX/year> right after they approved my credit line increase request from XXXX to XXXX without any notice. I called the phone XXXX on the back of my card and customer service representative advised that they closed my account due to the " risk of non-payment '' and all my {$520.00} cashback in this card will be forfeited. 
First, I am never late on payment, I always pay in time and my credit score has alway been between XXXX, sometimes XXXX. Secondly, I dont understand why their system auto approved my credit line increase request if they consider my as " high risk ''. Thirdly, it is unfair that they closed my account without notifying me and just forfeited my {$520.00} cash back. 
I made purchase decisions based on this credit card 's cashback rate but now I got nothing, this should be consider as a scam. 
I am with Synchrony bank for 8 years and they just did this to me, I feel very angry and disappointed.

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 2025-11-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lendbuzz Inc.
State: WA

Complaint narrative:
I am reporting an instance of identity theft related to an auto loan allegedly opened with Lendbuzz that later resulted in a repossession entry, and a related collection now being reported and pursued by XXXX XXXX XXXX XXXX . I did not open or authorize this account. At the time the account was allegedly opened, I did not yet have a Social Security number. I can provide an SSA letter confirming the SSN issuance date upon request. File Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: LA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-11-03 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: GA

Complaint narrative:
I am filling to formally dispute the accuracy of a collection account being reported on my credit file. The account is listed as furnished by XXXX XXXX XXXX, with Original Creditor : XXXX, and an outstanding balance of {$740.00}. It is reported as a collection/charge-off with a derogatory status.

I believe the information being reported is inaccurate and unverifiable, and I hereby request a full reinvestigation of this account under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) and 1681s-2 ( 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 2025-11-03 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: AR

Complaint narrative:
I acknowledge that some payments were reported as late ; however, I am requesting that your office review the reporting for accuracy as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which grants consumers the right to dispute and have inaccurate or unverifiable information corrected. My goal is not to challenge the existence of the account, but to ensure that all reporting accurately reflects the dates, statuses, and amounts of my payments. Since these entries were reported, I have taken steps to bring these accounts current and maintain timely payments. I respectfully request written confirmation of the results of your review, along with any corrections or updates made to my account records. Additionally, I request an updated statement or credit report reflecting current balances and any adjustments resulting from your review. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am submitting this letter to formally dispute several inaccurately reported items appearing on my credit report. These entries include charge-offs, a bankruptcy-related public record, and an inquiry associated with a disputed account. Upon review, these accounts contain discrepancies, incomplete information, or unverifiable reporting that may violate my rights under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX  XXXX Bankruptcy Court XXXX XXXX Bankruptcy XXXX Reference XXXX XXXX XXXX XXXX XX/XX/2024

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