vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: VA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-11-20 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:
I am formally disputing the inaccurate reporting of my XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX  ) across Experian, Equifax, and TransUnion. Experian reports a balance of {$4300.00}, with 30, 60, and 90-day late payments for XXXX, XXXX, and XX/XX/XXXX, along with a Date of Last Activity of XX/XX/XXXX and a reporting date of XX/XX/XXXX, which contradicts my payment history. Equifax reports this account with a balance of {$4100.00}, showing 30, 60, and 90-day late payments for XXXX, XXXX, and XX/XX/XXXX, with a Date of Last Activity of XX/XX/XXXX and a reporting date of XX/XX/XXXX, directly contradicting the reporting by Experian. TransUnion reports the same balance of {$4100.00}, listing 30, 60, and 90-day late payments for XXXX, XXXX, and XX/XX/XXXX, with a Date of Last Activity of XX/XX/XXXX and a reporting date of XX/XX/XXXX, which creates further inconsistencies. These discrepancies in the amounts and dates across all three bureaus misrepresent my payment history and harm my creditworthiness, violating FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), FCRA 602 ( a ) 15 U.S.C. 1681 ( Purpose of FCRA ), FCRA 609 ( a ) 15 U.S.C. 1681g ( a ) ( Right to Disclosure ), FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) ( Procedure in Case of Dispute ), and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing the inaccurate reporting of my XXXX XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX  ) across Experian, Equifax, and TransUnion. Experian reports a balance of {$4300.00}, with 30, 60, and 90-day late payments for XXXX, XXXX, and XX/XX/XXXX, along with a Date of Last Activity of XX/XX/XXXX and a reporting date of XX/XX/XXXX, which contradicts my payment history. Equifax reports this account with a balance of {$4100.00}, showing 30, 60, and 90-day late payments for XXXX, XXXX, and XX/XX/XXXX, with a Date of Last Activity of XX/XX/XXXX and a reporting date of XX/XX/XXXX, directly contradicting the reporting by Experian. TransUnion reports the same balance of {$4100.00}, listing 30, 60, and 90-day late payments for XXXX, XXXX, and XX/XX/XXXX, with a Date of Last Activity of XX/XX/XXXX and a reporting date of XX/XX/XXXX, which creates further inconsistencies. These discrepancies in the amounts and dates across all three bureaus misrepresent my payment history and harm my creditworthiness, violating FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), FCRA 602 ( a ) 15 U.S.C. 1681 ( Purpose of FCRA ), FCRA 609 ( a ) 15 U.S.C. 1681g ( a ) ( Right to Disclosure ), FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) ( Procedure in Case of Dispute ), and FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

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 2025-11-20 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-20 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: MD

Complaint narrative:
This is collections on my credit report I have never done business with 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 2025-11-20 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:
I am filing this complaint because my consumer report contains false and unverifiable information that has harmed me financially and personally. I have disputed these items multiple times but the bureau failed to correct them, violating my rights under the Fair Credit Reporting Act. These errors show negligence, mixed-file issues, and failure to maintain maximum possible accuracy under FCRA 602 ( A ). I am requesting CFPB intervention because the credit bureau has not taken any meaningful action to fix these problems even after repeated disputes. 

ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX This is not my address and has never been connected to me. Its presence on my report shows a mixed-file problem and failure to verify identifying information as required under FCRA 607 ( B ) and 611 ( A ). I have disputed this before but it was not corrected, violating FCRA 611 ( A ) ( 5 ).

Laws Violated : FCRA 602 ( A ), 607 ( B ), 609 ( A ) ( 1 ), 611 ( A ) ( 1 ), 611 ( A ) ( 5 ) INQUIRY XXXX XXXX XXXX Inquiry Date : XX/XX/year> I did not apply for credit with this company and never authorized this inquiry. There is no permissible purpose, violating FCRA 604 ( A ) ( 2 ). The bureau failed to remove it after disputes, violating FCRA 611 ( A ) and failing to maintain accuracy under FCRA 602 ( A ).

Laws Violated : FCRA 604 ( A ) ( 2 ), 602 ( A ), 611 ( A ) I request CFPB to enforce the FCRA, require deletion of all inaccurate and unauthorized information, provide full data source disclosure under FCRA 609 ( A ) ( 1 ), and ensure the bureau issues a corrected consumer report.

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 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I sent a payment and Apple Card Goldman Sachs lost my mail after signing for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
I submitted factual disputes to the credit bureaus regarding multiple accounts that are being reported with inaccurate or incomplete information. I clearly identified the specific reporting errors and provided supporting documentation. I also requested that each bureau conduct a proper reinvestigation as required under the FCRA, and either correct the inaccurate information or remove the account if it could not be verified. 

Despite providing sufficient information to initiate and complete a proper investigation, the disputed accounts remain unchanged on my credit reports. One inaccurate account is still being reported by Equifax and TransUnion, and two inaccurate accounts continue to appear on Experian. Based on the lack of corrections or updates, it appears the credit bureaus did not conduct a reasonable reinvestigation or properly review the factual errors I submitted. 

This failure to investigate is harming my credit standing and preventing the fair and accurate reporting I am entitled to under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MD

Complaint narrative:
This company has bought my debt and has not notified me. They say I owe XXXX to their company and I did not authorize my debt to be sold and bought by this company.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Every since the data breach of Transunion I have been getting hard inquiries on my report that I am not doing. Also, getting information that my info is on the darkweb. Had a scam call pretending to be my actual bank and the scammer knew the last four of my card and the expiration date. I contacted each credit bureau and ask them to remove the inquiries immediately because they do not belong 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 2025-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
I disputed multiple times .. claiming that these accounts were opened fraudulently and mention that I wanted to proof that I actually opened the account and if can't provide that it has to be removed from my credit. 

I never received any proof. And it's not being take off my credit. And I keep receiving emails asking me to pay. And I lose the dispute. 

I disputed multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NJ

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies on my Equifax, Experian and TransUnion credit report, specifically relating to my personal identifying information and accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries are not associated with me in any way and may result from mixed-file reporting or mistaken identity. Accurate personal information is critical to ensure proper reporting of my credit activity, and these errors violate my rights under 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in all credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: NJ

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies on my Equifax, Experian and TransUnion credit report, specifically relating to my personal identifying information and accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries are not associated with me in any way and may result from mixed-file reporting or mistaken identity. Accurate personal information is critical to ensure proper reporting of my credit activity, and these errors violate my rights under 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in all credit reporting.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SERVICEMAC, LLC
State: GA

Complaint narrative:
I have made multiple attempts to dispute inaccurate, outdated, or unverifiable information on my credit report concerning the following account ( s ) : SERVICEMACXX/XX/MOVEMENT Account Number : XXXX Disputed : Late payments reported for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Despite my written disputes and supporting documentation, the credit bureau and/or data furnisher has failed to comply with several sections of the Fair Credit Reporting Act ( FCRA ) and related regulations. These violations include : Failure to conduct a reasonable reinvestigation ( FCRA 1681i ) Verification via unverifiable or automated systems such as e-OSCAR rather than direct confirmation ( FCRA 611 ( a ) ( 2 ) ( B ) ) Reinsertion of previously deleted information without notice ( FCRA 611 ( a ) ( 5 ) ( B ) ) Failure to provide the method of verification upon request ( FCRA 611 ( a ) ( 7 ) ) Reporting of inaccurate or incomplete data knowingly or negligently ( FCRA 623 ( a ) ( 1 ) ( A ) ) Lack of privacy documentation or permissible purpose to hold or reinsert data ( FCRA 604, Privacy Act of 1974, and 12 CFR 1022.142 ) Despite receiving all required documentation ( government ID, proof of address, police/FTC report where applicable, and highlighted credit report ), the bureau has not : Provided sufficient verification from the original creditor Proven any permissible purpose for reinsertion Ceased reporting false or duplicated items

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 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
So citizens bank closed my account for reasons im not sure of but I told them that after the XXXX was deposited back into my account from the first fraud situation my money was stolen again they opened a claim and the claim was denied and im not sure how the claim was denied on top of that im not sure if every transaction was added because they told me the claim was only for one thousand and so on dollars this bank has a big issue with fraud and I just want my funds back for the debit transactions that were taken out of my account once again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: MD

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Cr

edit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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