vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint because my credit file continues to show multiple unauthorized hard inquiries despite my repeated disputes. The inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ). 

I have been disputing these inquiries since XX/XX/XXXX, and it is unacceptable that they remain on my file without resolution. Each of these inquiries was placed without my consent or written authorization, which directly violates 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ), as there is no valid permissible purpose for them to be reported. Furthermore, the credit bureau is required under 15 U.S.C. 1681e ( b ) to ensure the maximum possible accuracy of all information in consumer reports. Allowing these inquiries to remain after multiple disputes shows a clear disregard for that responsibility. 

It is beyond frustrating to go through this dispute process repeatedly only to see no meaningful correction or compliance. The continued presence of these inquiries damages my credit standing, misleads lenders, and denies me fair access to credit opportunities. I am demanding immediate deletion of all unauthorized inquiries listed above and written confirmation that my credit file has been updated in compliance with the law. 

If the bureau continues to ignore my disputes, I will consider this willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, which exposes them to statutory, actual, and punitive damages as well as attorneys fees. I expect the CFPB to step in and ensure the bureau corrects this unlawful reporting once and for all.

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXXXXXX XXXX paid {$500.00} on a balance of about {$1800.00}. I also made additional payments of {$200.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX, {$150.00} on XXXX. 
Total payments in XXXX were {$950.00}. 
On the evening of XX/XX/XXXX, after I spoke to an Amex agent about my card being declined, I received an email stating that my credit limit had been decreased. When I called to ask why, I was told that it was due to my XXXX score decrease. The only way to appeal was to send them my bank statements of 3 months. I told them this doesn't sound sensible as my account is in good standing and I have never missed a payment, in fact I pay more than the minimum each month. The agent asked a supervisor to call me the next morning on XX/XX/XXXX and the supervisor repeated the same thing about my XXXX score. 
I told her that my HVAC and other major home repairs had occurred so the score suddenly dropped but I was still making payments. 
I felt my rights were being violated and this all felt very invasive. She repeated herself as if reading from a manual, felt like a frustrating conversation. The sudden credit decrease will hurt my score while I am trying to repair it. 
Also there are 4 accounts that are on my credit report being disputed that are not in my name and I just filed a dispute. Along with astronomical interest rates we are forced to pay, this is all very unjust and again keep us in a trap. I have paid regardless of hardships, and family illnesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: AL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
My credit report includes collection accounts that I believe contain incorrect or inaccurate information. According to my rights under 15 USC 1681e ( b ) and 1681i, I am entitled to a credit report that is accurate and verifiable. I am requesting a full review of these entries, and if they can not be verified as accurate, I ask that they be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: OR

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within XXXX ( XXXX ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported. 
I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than XXXX  days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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 2025-09-17 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: CA

Complaint narrative:
On XX/XX/year>, a balance transfer in the amount of {$5300.00} was initiated from my XXXX credit card ( last 4 digits : XXXX ) to pay off my Apple Card, which is issued by Goldman Sachs Bank USA. This transfer posted to my XXXX account on XX/XX/year>, and was processed via electronic transfer. 

However, Apple Card has confirmed that no payment in this amount has been received or applied to my account. Despite the funds being debited from my XXXXXXXX XXXX  my Apple Card balance remains unchanged, and there is no record of the payment on Apples end. 

XXXX has been unable to provide confirmation of receipt or proof that the funds were delivered to the correct destination. I have contacted Apple Card support multiple times and have been told there is no way to trace or match the payment on their end, despite knowing the payment amount, date, and source. 

As a result, I am now being held liable for the same {$5300.00} on two separate accounts one for a transfer that failed to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

DEPT OFEDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
After reviewing my credit reports, I found multiple accounts and inquiries being reported inaccurately and without proper validation. XXXX XXXX is showing an account that is listed as current, but at the same time reports severe delinquencies ( 30120 days ) throughout XXXX and XXXX. An account can not be both current and severely delinquentthis contradictory reporting is inaccurate and misleading. 

XXXX XXXX is reporting a charged-off account for {$110.00}, marked as disputed, subscriber disagrees. Despite prior disputes, no validation or supporting documentation has ever been provided, yet the account remains listed as derogatory. 

XXXX XXXX XXXX is reporting a collection account for {$1600.00} allegedly tied to XXXX XXXX Bank. This account has been marked as disputed in the past, but no chain-of-custody, assignment, or proof of ownership has ever been provided to validate its accuracy. On Equifax, the same XXXX XXXX account is reported under a different number, creating duplicate reporting across bureaus. 

In addition, Experian continues to show multiple hard inquiries from lenders, credit card companies, and auto dealers XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX  XXXX XXXX Many of these inquiries were not authorized and are unfairly damaging my credit profile. Despite my disputes, these inaccurate accounts and inquiries remain unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: CA

Complaint narrative:
After reviewing my credit reports, I found multiple accounts and inquiries being reported inaccurately and without proper validation. XXXX XXXX is showing an account that is listed as current, but at the same time reports severe delinquencies ( 30120 days ) throughout XXXX and XXXX. An account can not be both current and severely delinquentthis contradictory reporting is inaccurate and misleading. 

XXXX XXXX is reporting a charged-off account for {$110.00}, marked as disputed, subscriber disagrees. Despite prior disputes, no validation or supporting documentation has ever been provided, yet the account remains listed as derogatory. 

XXXX XXXX XXXX is reporting a collection account for {$1600.00} allegedly tied to XXXX XXXX Bank. This account has been marked as disputed in the past, but no chain-of-custody, assignment, or proof of ownership has ever been provided to validate its accuracy. On Equifax, the same XXXX XXXX account is reported under a different number, creating duplicate reporting across bureaus. 

In addition, Experian continues to show multiple hard inquiries from lenders, credit card companies, and auto dealers XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX XXXX  XXXX XXXX Many of these inquiries were not authorized and are unfairly damaging my credit profile. Despite my disputes, these inaccurate accounts and inquiries remain unresolved.

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 2025-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management claims I owe them {$670.00}. A letter was sent to them and they never responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX th I called cash app to inquire as to why purchases were made from merchants that were blocked from my end of the cash app app and they asked me to submit a dispute I did and it was not decided on my favor because some of the disputed amounts were hit deducted from my account. However I was not just seeking reimbursement I was seeking a somutuon and answer as to why the said merchants were able to deduct funds from my account after being blocked. They were not subscription reoccurring payments being deducted every time. And it was several merchants XXXX, XXXX, XXXX, and the most recent this morning at XXXX am XXXX. On which XXXX was blocked as well before the merchant deducted funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: TN

Complaint narrative:
XXXX  XXXX credit card is showing as a closed account. 
Please remove as I am the authorized user on the account. 
Not responsible for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
b'I have been trying to withdraw XXXX XXXX XXXX XXXX in my account at Flagstar Bank since XXXXXXXX  to fund a XXXX-year CD with XXXX XXXXXXXX XXXX XXXX before the Fed moved rates down todayXXXX XXXX XXXX XXXX  just moved their rates down on the XXXX-year CD today to XXXX XXXX XXXX XXXX. So, Flagstar Bank cost me XXXX percent on XXXX XXXX XXXX  years.\n\nI have been asking for them to raise my limit of XXXX XXXX external transfers to $XXXX  XXXX XXXX  I even asked them to wire the XXXX which they said that they were doing, and they have not \n\nI have been calling and sending messages twice a day since XXXX XXXXAs of today, they have not transferred my money which has now been XXXX days which is not acceptable\n\nThey had no issue accepting my XXXX XXXX years ago, but they will not let me withdraw my money and now they cost me XXXX percent on 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 2025-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: United Shore Financial Services, LLC
State: SD

Complaint narrative:
I recently worked with my bank to refinance my mortgage. After my credit was pulled, I have been receiving upwards of XXXX calls per day from a company called United Mortgage. They change and disguise their number each time with an area code the same as mine. They claim to be able to provide better rates. I asked how they obtained my information and they claim it's from the credit bureaus. I have been registered with the national do not call registry since XX/XX/year>. I've been hung up on multiple times when I attempt to gain insight into what they have of mine and how they can provide confirmation to me that my information will be deleted. They are harassing me the amount of calls, they are deceptive by changing the number in which shows up on my caller id, and they are deceptive in their marketing tactics. I never gain consent to them having my information and they are not adhering to the FTC do not call regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST MERCHANTS CORPORATION
State: IN

Complaint narrative:
On XX/XX/year> I was charged an overdraft fee of {$74.00} during the weekend sometime and automatic draft came through which I have no control over what time during the weekend thats actually posted on my account and was charged an overdraft fee of {$32.00} and another automatic draft came through and they charge me another {$34.00} for a total of {$74.00} I feel this is an unfair tactic we have no control over what time during the weekend that these automatic drafts are going to be posted and I can understand XXXX overdraft fee but theyre trying to charge XXXX overdraft fee per Debit that comes out during the weekend I feel these banks are taking advantage of its consumers on things that post during the weekend they arrange them up so they can charge more than XXXX overdraft fee

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief