vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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: KY

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-08-07 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. A couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
My name is XXXX XXXX and this complaint is for my mom mom as well XXXX XXXX my birthday is XXXX and her birthday is XXXX and my ssn XXXX and her ssn is XXXX me and her submitted a release of request form to yall portal so yall can email us a copy of our record to our email address at XXXX and to XXXX but we never got those forms yet to our email so please email it to both emails for us and upload it to our cfbp case complaint for both persons contact both person at phone number XXXX asp etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX APT XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XXXX, Balance : {$3500.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$180.00} XXXXXXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XXXX, Balance : {$170.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XXXX, Balance : {$94.00} INQUIRIES : XXXX XXXX Date : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XX/XX/XXXX, XXXX charged my paypal account for XXXX Claim was made... no respinse so far XX/XX/XXXX, XXXX eats charged my paypal account for XXXX dls, claim was made .. response was negative as this need tp be done within XXXX hours, but my uber account was blocked and hacked so i was unable to do this on time ... no claim can be submitted by any other means, its pretty kuch imposible to reach out an agent without the app ... which i was unable to use for a few days. 

Claim was done throught paypal who denied me the refund, or the posibility to appeal, then i was hacked and i'm being asked to cover hacker transactions, which is not close to being fare!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing the presence of an account on my credit report that I did not open or authorize. I have no connection to the creditor involved, and this item does not reflect my personal or financial activity. It is damaging my credit profile and must be removed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am experiencing an ongoing issue with my Apple Card ( issued by Goldman Sachs ). Despite previously closing the account due to identity theft, fraudulent charges continue to reappear on my statement even after being disputed and marked as unauthorized. Ive followed all proper procedures to dispute these charges multiple times. 

Each time, the issue seems resolved temporarily, only for the same transactions to resurface again. Ive requested written confirmation from Goldman Sachs that the account is fully closed and can not be charged again, but I have not received clear assurance or a permanent resolution. 

This repetitive dispute cycle is causing me emotional distress and financial uncertainty. I am requesting immediate and permanent closure of this account, written confirmation that no further charges will be processed, and that I am not liable for any future activity tied to the compromised account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am disputing an account listed on my credit report that I did not authorize, open, or recognize. I have no relationship with the reporting company, and this entry is not only incorrect but damaging to my credit profile. This item does not belong on my report and must be addressed promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
CFPB Complaint XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) Subject : Inconsistent and inaccurate reporting by XXXX  XXXX 's across credit bureaus Complaint : I am filing this complaint regarding a XXXX  XXXX 's XXXX  Store account that is being reported inconsistently and inaccurately across the credit bureaus ( XXXX, XXXX, and TransUnion ), even though the account is paid and closed with a {$0.00} balance.

Key issues : Status Conflict : XXXX  reports the account as Deleted. 

XXXX and TransUnion report it as Negative. 

All three reports should be consistent especially considering the account is settled with a XXXX balance. 

Late Payment Reporting : All three bureaus show a 30-day late payment from XX/XX/XXXX. 

However, the account shows a {$0.00} balance and had been in dispute, later marked as resolved by the furnisher. 

Under the FCRA, data furnishers must ensure accuracy and completeness. A 30-day late report after the dispute resolution raises concern about proper handling and compliance. 

Last Payment Date : All three bureaus show XX/XX/XXXX as the last payment date, confirming the account was settled months ago yet negative status remains. 

Comments Provided : XXXX  : Account previously in dispute now resolved by data furnisher. 

XXXX  and TransUnion reflect similar comments. 

If the dispute was resolved and the account is paid, there is no justifiable reason to maintain a negative status. 

Reporting Inconsistencies : XXXX shows the account as deleted and removed. 

XXXX  and TransUnion continue to show active negative reporting as of XX/XX/XXXX and XX/XX/XXXX respectively. 

Legal Basis : According to the Fair Credit Reporting Act ( FCRA ) 623 ( b ) [ 15 U.S.C. 1681s-2 ], furnishers of credit data are required to : Investigate and correct inaccurate or incomplete information.

Update information consistently across all CRAs.

Cease reporting derogatory data if it has been resolved or proven 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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am requesting the permanent deletion or proper correction of the inaccurately reported Chapter XXXX bankruptcy and any associated derogatory accounts on my credit report. Specifically, I ask that : The bankruptcy entry for XXXX  ( Account # : XXXX ) be fully verified directly through the bankruptcy court and not via third-party sources like XXXX. 

If verification can not be sourced directly from the court, the entry and all related derogatory tradelines must be permanently deleted as required under FCRA 1681i ( a ). 

If the bankruptcy remains on file, it must be accurately reported as XXXX and not appear beyond the XXXX limit from the filing date ( FCRA 1681c ( a ) ( 1 ) ). 

I receive written confirmation of the outcome of the reinvestigation and an updated copy of my credit file within XXXX business days. 

This is a fair request grounded in my rights under the FCRA, and I expect full compliance with federal reporting standards to avoid further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: LA

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my XXXX XXXX, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others XXXX stem from clerical mistakes or internal processing delays that were never communicated to me. The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: NY

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
First off, I would like to say thank you to the XXXX XXXX XXXX for investigating this matter on am on the verge of a XXXX XXXX XXXX Equifax is causing extreme distress and causing XXXX by refusing to comply with XXXX XXXX XXXX laws and my rights to Due process of Law I have HAD ENOUGHT!!!!!!!!!!!!!!!!! 

on XXXX XXXX separate requested disputes Equifax has refused to delete a erroneous account listed on my credit report DESPITE THE FACT THAT XXXX XXXX DOOR HAS ISSUE a order to all three credit Bureaus to remove any listings entry 's to include open closed written off listings XXXX XXXX Door did a internal revied of the Consumer and Determined that the information they listed on all three credit reports is to be removed that was on XX/XX/year> there letter attached EQUIFAX ISSUE A XXXX CREDIT DISPUTE REPORT XX/XX/year> REPORT NUMBER XXXX XXXX XXXX THIS REPORT IS FRIVIOULS AS IT DID NOT ADDRESS AND REMOVE THE ERRONIOUS ENTRY OF XXXX XXXX DOOR I WILL NOT STOP UNTIL THIS IS REMOVED FROM AL XXXX CREDIT BUREAUS STARTING WITH EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A credit account that I never opened is now listed on my credit report. I have never had any dealings with the company that submitted the information, and this account is clearly fraudulent. Its reporting is inaccurate and negatively affecting my credit rating without cause.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

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 explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

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 2025-08-07 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inacc urate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX XXXX  between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST PORTFOLIO SERVICING INC
State: OH

Complaint narrative:
I am disputing fraudulent charges on my Total Visa credit card account. I reported the transactions over two months ago and filed two police reports, which are attached to this complaint. 

I contacted Total Visa by phone on XX/XX/XXXX, and the representative stated they would re-dispute the charges. However, the account was never re-disputed, and no confirmation was sent. I also sent a follow-up email, which has gone completely unanswered. 

Despite these efforts, the company has not communicated with me or provided any written updates. Meanwhile, they have reported late payments and non-payment to the credit bureaus, damaging my credit score even though the charges in question are fraudulent. 

Ive acted in good faith, submitted all required information, and followed their process yet Im left without resolution. I am requesting that the fraudulent charges be removed, all negative credit reporting deleted, and written confirmation that my case is being properly investigated and resolved under the Fair Credit Billing Act ( FCBA ). 

I am attaching the police reports and any relevant evidence XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation