vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 has neither corrected nor reported ( CFPB ) has recently filed a lawsuit against Experian, 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 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 's 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 2025-04-13 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 am submitting this complaint under Section 605B of the Fair Credit Reporting Act regarding fraudulent credit card accounts that have appeared on my credit report. These accounts are not mine and were opened without my knowledge or authorization.

I believe these fraudulent accounts may be connected to the Equifax data breach, which exposed personal identifving information and placed me at increased risk of identity theft.

Despite my efforts to dispute these accounts directly with the credit reporting agencies, they have not been removed. I am requesting that the Consumer Financial Protection Bureau assist in having these fraudulent accounts permanently blocked from my credit report in accordance with Section 605B.

Attached are supporting documents, including a copy of my FTC Identity Theft Report and a police report, if available. 
Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: MD

Complaint narrative:
i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score ( SYNCB/PAYPAL. ) REPORTED BALANCE OF {$1600.00}. I HAD NO MISSED PAYMENTS. in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Company offered trial and permanent modification. Claimed documents missing after the fact. Now practicing Dual Tracking.

Company is Select Portfolio Serving.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I mailed a second dispute letter to Experian, XXXX, and XXXX asking them to reinvestigate several accounts on my credit report. I also requested details on the steps they took during the investigation.

To this day, I havent received any response from any of the bureaus, and the disputed accounts are still showing with no updates or corrections. 

The accounts I asked them to reinvestigate are : XXXXXXXX XXXX ending in XXXX {$10000.00} XXXX  XXXX XXXX ending in XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$4800.00} XXXX  XXXX ending in XXXX {$7400.00} Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to complete a reinvestigation within 30 days and notify me of the results, including what steps they took. They havent done that, which is a violation of the law.

Im asking for immediate action to fix this.

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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This is not a regular dispute. Take action immediately you are in violation.

I am a victim of FRAUDULENT ACTIVITY and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. I am filing an FTC report and PLEASE NOTE THAT I DO NOT AUTHORIZE YOU TO PUT A FRAUD ALERT ON MY CREDIT REPORT WITHOUT MY CONSENT.

I sent you my complaint about these items before, but you did not respond and did not delete them. As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.

Please investigate these matters and remove the disputed items as soon as possible. 
XXXX. XXXX, # XXXX, XX/XX/XXXX, {$0.00} REASON : This account is a result of Identity Theft. Please remove this account from my report. 
XXXX. XXXX XXXX, # XXXX, XX/XX/XXXX, {$0.00} REASON : This account is a result of Identity Theft. Please remove this account from my report. 
XXXX. XXXX XXXX, # XXXX, XX/XX/XXXX, {$0.00} REASON : This account is a result of Identity Theft. Please remove this account from my report. 
XXXX. XXXX, # XXXX, XX/XX/XXXX, {$0.00} REASON : This account is a result of Identity Theft. Please remove this account from my report. 
XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1600.00} REASON : This account is a result of Identity Theft. Please remove this account from my 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 non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: American Financial Network Inc.
State: DE

Complaint narrative:
XXXX refused to halt the enforcement action while I was in a financial deficit after getting information about the situation. 


XXXX XXXX doesnt offer any type of service to cover consumer who face hardship or disability when applying for there products.and refuses to halt enforcing actions against me while I was in a financial deficit after receiving information. 

I have been affected by collection and negative credit reporting. While waiting for assistance I faced negative reporting from American Financial Network. Refused to halt enforcing actions after receiving application for assistance because of my financial deficit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I applied for a loan modification. PHH denied me saying I already applied during the same delinquency period. I never applied for anything with them in the past. This information is wrong. I asked them for proof and they had nothing to send me. PHH is trying to foreclosure on my house that has equity in it and making up false reasons why they won't review my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
I am writing to dispute and formally challenge the reporting of the following derogatory accounts that appear on my credit report with your bureau. I have never done any business or receive any services from these companies. I have not opened any accounts with them : XXXX XXXX Opened : XX/XX/XXXX Amount : {$250.00} XXXX XXXX Opened : XX/XX/XXXX Amount : {$460.00} XXXX XXXX Opened : XX/XX/XXXX Amount : {$1600.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$2800.00} These entries are not only damaging, but they appear to violate multiple federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am asserting my rights under : 15 U.S. Code 1681i Reinvestigation of disputed information You are required to investigate any disputed information within 30 days. If the furnisher of information can not verify the data, you must remove it.

15 U.S. Code 1681e ( b ) Maximum possible accuracy Some of the above accounts appear only on one credit bureau and not on others. This inconsistent reporting damages my credit standing and violates the accuracy provision. 

15 U.S. Code 1681c ( b ) Medical debt exclusion As of XX/XX/XXXX, medical collections are prohibited from being reported. XXXX XXXX and XXXX XXXX XXXX are both commonly known to report medical debt. These must be removed immediately. 

15 U.S. Code 1681s-2 ( b ) Responsibilities of furnishers Furnishers of information are required to conduct a reasonable investigation and correct or delete any inaccurate, outdated, or unverifiable 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 2025-04-12 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
This company threatened to sue me and ruin my credit, but has not validated the debt, as the information on the statement of charges is not coinciding with the lease agreement. They have violated the Fair Debt Collection Practices Act ( FDCPA ). According to 15 U.S. Code 6802 of the GLBA, it outlines the obligations of financial institutions/rental companies regarding the disclosure of nonpublic personal information to nonaffiliated third parties, requiring them to provide notice to consumers and allow them to opt-out of sharing. My information was shared to National Credit Systems without written permission. According to Michigan Debt Collection Laws, MCL 339.904 ( 1 ) states that debt collectors must be licensed in the State of Michigan, if they are collecting the debts of others, unless the collection activities are limited to interstate communications. To date, National Credit Systems , Inc is ONLY licensed in these states : Arizona, California, Connecticut, Idaho, Indiana, Maine, Maryland, Massachusetts, Nebraska, Nevada, New Mexico, North Dakota, Oregon, Rhode Island, Utah, and Wyoming ONLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: PA

Complaint narrative:
On XX/XX/year>, I mailed a second dispute letter to Experian, XXXX, and XXXX asking them to reinvestigate several accounts on my credit report. I also requested details on the steps they took during the investigation.

To this day, I havent received any response from any of the bureaus, and the disputed accounts are still showing with no updates or corrections. 

The accounts I asked them to reinvestigate are : XXXXXXXX XXXX ending in XXXX {$10000.00} XXXX  XXXX XXXX ending in XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$4800.00} XXXX  XXXX ending in XXXX {$7400.00} Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to complete a reinvestigation within 30 days and notify me of the results, including what steps they took. They havent done that, which is a violation of the law.

Im asking for immediate action to fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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: PA

Complaint narrative:
On XX/XX/year>, I mailed a second dispute letter to Experian, XXXX, and XXXX asking them to reinvestigate several accounts on my credit report. I also requested details on the steps they took during the investigation.

To this day, I havent received any response from any of the bureaus, and the disputed accounts are still showing with no updates or corrections. 

The accounts I asked them to reinvestigate are : XXXXXXXX XXXX ending in XXXX {$10000.00} XXXX  XXXX XXXX ending in XXXX {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$4800.00} XXXX  XXXX ending in XXXX {$7400.00} Under the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to complete a reinvestigation within 30 days and notify me of the results, including what steps they took. They havent done that, which is a violation of the law.

Im asking for immediate action to fix this.

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 2025-04-12 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:
Im reaching out because Ive been a victim of identity theft, and its been an incredibly overwhelming and upsetting experience. Accounts were opened in my name without my knowledge or permission, and its had a serious impact on my credit and overall sense of security.

Im doing everything I can to clear my name and protect myself moving forward, but I really need your help. These fraudulent accounts dont reflect who I am or how I manage my finances. Please, Im asking that you remove them from my credit report.

This situation has been deeply stressful, and I truly appreciate any support you can offer as I work to get back on track

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 2025-04-12 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Im reaching out because Ive been a victim of identity theft, and its been an incredibly overwhelming and upsetting experience. Accounts were opened in my name without my knowledge or permission, and its had a serious impact on my credit and overall sense of security.

Im doing everything I can to clear my name and protect myself moving forward, but I really need your help. These fraudulent accounts dont reflect who I am or how I manage my finances. Please, Im asking that you remove them from my credit report.

This situation has been deeply stressful, and I truly appreciate any support you can offer as I work to get back on track

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I paid for a vehicle via cashapp and the guy didnt deliver the car so I been trying since XX/XX/year> to get my money back via dispute through cashapp but they keep denying it even with proof of purchase not being delivered. They keep having me talk to a robot instead of a real live person or telling me to disputed through my bank which was the XXXX card at the time, and I did and they denied it as well based on cashapp not honoring the reversal of the funds so now Ive lost {$1500.00} and still dont have the car I was paying for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Over XXXX of charges were nit made by ne. I was sick with failing XXXX and in the XXXX. Card will not dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: SD

Complaint narrative:
I have 2 personal accounts with goldman sachs, and 1 apple card account? The futile imbecility here is, sachs owns apple card yet refused to change my correct cellphone number, which is XXXX, they make idiotic excuses that I should call inept idiots, at apple card number that dont know how or refuse to correct my personal information? HOW stupid is that? Today there lousy robot hung up on me twice because it does not have my correct number? 5 times I called these incompetent imbeciles masquerading as apple card employees, nobody there with brain cells knows how to change a simple minded phone number? YET goldman sachs has my correct address and new cellphone number? MY iphone for this generic apple card has my correct cell phone number? Stuck on stupid is goldman sachs apple card inept employees and there futile robot. EVEN ( you ) CFPB have a inaccurate number change it now or delete it??????

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: MD

Complaint narrative:
i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score XXXX XXXX XXXX XXXX XXXX ) REPORTED BALANCE OF {$460.00}. I HAD NO MISSED PAYMENTS. in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
After reviewing my credit report. I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief