vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: IL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Date : XX/XX/year> XXXX XXXX XXXX, XXXX Attn : XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Formal Notice of Dispute Account No. XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This is a formal demand for the immediate investigation and correction of inaccurate, unverifiable, and potentially fraudulent reporting of the above-referenced account. Your continued furnishing of this negative information to the credit reporting agencies is a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other applicable federal and state laws. 
I hereby dispute ALL negative reporting related to this account for the following reasons : You have failed to provide legally sufficient documentation, such as a signed, original agreement establishing this debt. 
You have failed to demonstrate that you are the holder in due course or that you have legal standing to enforce this alleged debt under UCC 3-301. 
Any reporting of charge-off, delinquency, or other derogatory information without full proof of claim is unverified and unlawful under 15 U.S.C. 1681s-2 ( b ). 
By continuing to report this information without proper verification, you are engaging in defamation of character and intentional infliction of financial harm. 
I am invoking my rights under UCC 1-308 to reserve all rights without prejudice. This letter serves as your legal notice to : Immediately investigate and validate this account by providing : The original signed agreement or application bearing my signature. 
A full accounting of the alleged debt, including itemized charges, interest, and payments. 
Proof of your legal authority to report or collect on this account. 
Cease and desist all collection activity and negative reporting until this dispute is resolved. 
Delete this account from all credit reports if you can not fully validate the debt with legally admissible evidence within 30 days of receipt of this notice. 
Failure to comply will leave me no choice but to escalate this matter with : The Consumer Financial Protection Bureau ( CFPB ), The Federal Trade Commission ( FTC ), The Office of the Attorney General, and the IRS. 
Im also considering filing a lawsuit to recover damages under 15 U.S.C. 1681n and 1681o. 
This is my good-faith attempt to resolve this dispute without litigation. Reporting this to the IRS. I expect your full written response within the time allowed by law. 
Notice : I reserve all rights under UCC 1-308. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-09-02 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Date : XX/XX/year> XXXX XXXX XXXX, XXXX Attn : XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Formal Notice of Dispute Account No. XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This is a formal demand for the immediate investigation and correction of inaccurate, unverifiable, and potentially fraudulent reporting of the above-referenced account. Your continued furnishing of this negative information to the credit reporting agencies is a violation of my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other applicable federal and state laws. 
I hereby dispute ALL negative reporting related to this account for the following reasons : You have failed to provide legally sufficient documentation, such as a signed, original agreement establishing this debt. 
You have failed to demonstrate that you are the holder in due course or that you have legal standing to enforce this alleged debt under UCC 3-301. 
Any reporting of charge-off, delinquency, or other derogatory information without full proof of claim is unverified and unlawful under 15 U.S.C. 1681s-2 ( b ). 
By continuing to report this information without proper verification, you are engaging in defamation of character and intentional infliction of financial harm. 
I am invoking my rights under UCC 1-308 to reserve all rights without prejudice. This letter serves as your legal notice to : Immediately investigate and validate this account by providing : The original signed agreement or application bearing my signature. 
A full accounting of the alleged debt, including itemized charges, interest, and payments. 
Proof of your legal authority to report or collect on this account. 
Cease and desist all collection activity and negative reporting until this dispute is resolved. 
Delete this account from all credit reports if you can not fully validate the debt with legally admissible evidence within 30 days of receipt of this notice. 
Failure to comply will leave me no choice but to escalate this matter with : The Consumer Financial Protection Bureau ( CFPB ), The Federal Trade Commission ( FTC ), The Office of the Attorney General, and the IRS. 
Im also considering filing a lawsuit to recover damages under 15 U.S.C. 1681n and 1681o. 
This is my good-faith attempt to resolve this dispute without litigation. Reporting this to the IRS. I expect your full written response within the time allowed by law. 
Notice : I reserve all rights under UCC 1-308. 
Sincerely, 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 2025-09-02 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: SC

Complaint narrative:
To Whom It May Concern, I am filing this complaint with the Consumer Financial Protection Bureau because my credit report contains multiple inaccurate and unlawful entries that violate my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other consumer protection laws. These inaccurate entries are harming my creditworthiness, subjecting me to unfair denials of credit, higher interest rates, and emotional distress. 

The following accounts are being reported incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Owed : {$0.00} Late Payment reported Issues and Violations : Several accounts are being reported with late payments or charge-offs despite showing a {$0.00} balance. A {$0.00} balance indicates the account is either closed, paid, or settled, and therefore continued negative reporting is inaccurate and misleading. 

Duplicate entries exist under the same creditor ( e.g., multiple NAVIENT accounts, multiple XXXX XXXXXXXX accounts ), which artificially lowers my credit score and constitutes unfair reporting. 

The creditors and credit reporting agencies have failed to properly verify and ensure the accuracy of these accounts as required by FCRA 602, 607 ( b ), and 611.

Reporting inaccurate derogatory information after disputes violates FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 807 ( 8 ), as it misrepresents the legal status of debts. 

Requested Resolution : Remove all inaccurate late payment and charge-off notations where the balance is {$0.00}. 

Remove duplicate and inconsistent entries for the same creditor. 

Correct or delete any unverifiable, misleading, or outdated information. 

Conduct a full reinvestigation in compliance with FCRA requirements and provide me with written confirmation of corrections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Description of complaint : XXXX : I opened XXXX XXXX XXXX account with Marcus-Goldman SachXXXX XXXX 
XXXX : I added an external bank account & thru Marcus Goldman Sachs I requested a transfer of {$150000.00} to XXXX XXXX deposited to my new savings account from XXXX XXXX XXXXXXXX using my XXXX  account # & wire transfer routing #. 
XXXX : I checked to verify the transfer was successful & saw Marcus Goldman Sachs had reversed the transaction & I received an email from Marcus Goldman Sachs advising me the transfer was not successful. Multiple calls to Marcus Goldman Sachs XXXX XXXX XXXX lead to the conclusion that instead of a 'wire transfer routing #, Marcus needed the ACH routing # instead. I corrected the routing # while online with a Marcus agent who was doing 'screen sharing ' and walking me thru the process and when the correction was made I then, thru Marcus , performed a transfer request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received an email from Marcus informing me the transfer of funds request was unsuccessful due to a problem with my external back which is XXXX  and they ( Marcus ) were deleting the link to my external account ( BOA ). 
XXXX : Since I was advised by Marcus my transfer request ( XXXX ) had been successful, I contacted XXXX & made a transfer request from XXXX to Marcus for {$150000.00} to be withdrawn from my BOA account and deposited into my Marcus savings account. Since my request thru XXXX was made on XXXX a XXXX and a holiday weekend, I was advised the transaction would take place on Tuesday XXXX. 
XXXX : I received a notice from my XXXX account that I was overdrawn due to the transfer request from both Marcus & XXXX processing.This was the result of Marcus successfully processing a transfer for the {$150000.00} when they had advised me it was not a successful transfer which lead me to make a request from XXXX to handle the transfer. I'm facing insufficient funds costs & embarrassment due to this error from Marcus.Multiple calls to Marcus have been fruitless & XXXX agent was extremely argumentative with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-02 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-09-02 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: CA

Complaint narrative:
I am writing to formally dispute several hard inquiries that appear on my credit report. These inquiries were not authorized by me, and they are fraudulent. 
I have already contacted the lenders associated with these inquiries, and they have confirmed that the inquiries were not valid. Furthermore, I have successfully had these fraudulent inquiries removed from my XXXX credit report. 
I have also filed an official report with IdentityTheft.gov regarding this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint against the XXXX major credit XXXX, XXXX, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ). 

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court. 

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and CDIA Guidelines Failure to comply with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency may not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Account Number XXXX Open Date XXXX XXXX, XXXX XXXX XXXX XXXX Account Number XXXX Open Date XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, Equifax, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated 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 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
* * * response and feedback requested * * * * Please provide specific examples of the violations that led to the closing of my cash app account Please provide what specific guidelines and policies with the transaction example/dates etc ( XXXX ) that led to the violation. 


Name : XXXX XXXX Cash app account used : XXXX XXXXXXXX email : XXXX telephone : XXXX, XXXX card last known to use : XXXX This is all the information that I currently have in regard to this account. please review and advise. 


Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX  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. Finding credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA XXXX, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : Account Name : XXXX OF XXXX Account Number : XXXX Open Date : XX/XX/year> Account Name : XXXX Account XXXX XXXX Open Date : XX/XX/year>

Company response to consumer: Closed with explanation