vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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: AL

Complaint narrative:
Complaint Against : XXXX XXXX ( and any other creditor reporting fraudulent data ) Equifax, Experian, TransUnion ( for inaccurate reporting ) Issue : Identity theft, inaccurate credit reporting, failure to maintain accuracy under the Fair Credit Reporting Act ( FCRA ). 

Statement of Complaint : I am the victim of identity theft. My Social Security number and personal information were exposed in multiple breaches, including XXXX ( XXXX ) and other online platforms. As a result, fraudulent aliases and addresses have appeared on my credit file, including XXXXXX/XX/XXXX ; and XXXX,XX/XX/XXXX. I have never lived at or been associated with these addresses. 
Despite notifying the credit bureaus, these inaccurate identifiers remain. Their continued reporting violates the FCRA, 15 U.S.C. XXXX ( b ), which requires maximum possible accuracy, and XXXX ( a ), which mandates reinvestigation and deletion of unverifiable data. Courts have held that failure to correct such inaccuracies after notice constitutes a violation ( XXXX v. Trans Union XXXX, XXXX XXXX XXXX ( XXXXXX/XX/XXXXXXXX ) ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXX/XX/XXXXXXXX ) ). 
XXXX XXXX and other furnishers are also in violation of 15 U.S.C. XXXX ( b ) by continuing to report fraudulent tradelines tied to these false addresses and aliases. delete and block all accounts associated with the above listed XXXX as i have never lived there and the accounts are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: IN

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: IL

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
I have repeatedly tried to resolve the errors on my credit report through the proper channels but have not received any meaningful assistance. This ongoing situation is both frustrating and distressing, leaving me XXXX about my financial future. These inaccuracies are unfairly lowering my credit score and preventing my applications from being approved, which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: OK

Complaint narrative:
I received automotive services on XX/XX/XXXX at XXXX XXXX XXXX in XXXX XXXX, OK. Total amount paid {$870.00}. Of this total, {$160.00} of this was for " oil leak cleaning '' following the repair of my oil leak. I do not believe this extra " cleaning '' after the repair was performed. Following my visit to their shop, I had an oil change performed at another shop ( XXXX XXXX XXXX XXXX XXXX XXXX ) who have XXXX mechanics on duty. It was recommended during my oil change that I should go have my vehicle looked at because there was oil everywhere on the undercarriage of my car. I explained that I had just had a major oil leak repair at XXXX and that there was a lot of oil that was supposed to have been cleaned up after they had done the repair. The mechanic said either 1 of 2 things, XXXX did not fix the oil leak or they did not clean up after themselves. I was provided video evidence which I still posses and have tried to submit to XXXX. I have tried to resolve this issue since XX/XX/XXXX and Goldman Sachs ( Apple ) keeps denying my disputed {$160.00} because " there is no substantial evidence to support the claim ''. They told me that they don't accept video evidence, which in my case, is the strongest evidence I have because the mechanic is narrating while showing the very clear problem. I had taken screenshots of the video, and provided everything I can ( invoice, etc. ) and they have denied the dispute every time I reopen it. I am extremely disappointed because I feel I have been taken advantage of by XXXX, and then upset that my credit card company who I choose to do business with over other companies have not backed me in this situation. I would like the opportunity for my video evidence to be seen and if that's just not possible with them, I believe a permanent credit of {$160.00} should be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: AK

Complaint narrative:
I demand immediate deletion of the disputed accounts and verification of compliance with federal law. I also seek full investigation into the bureaus willful violations and request penalties and damages as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$5100.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$220.00} XXXX  XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$75000.00} XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$130.00} XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$33000.00} XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$550.00} XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$230.00} XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 2025-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I'm trying to close my PayPal account. I called them on XX/XX/year> and they said they needed to close the credit card associated with the account before the account could be closed. I asked them to continue with closing the account and PayPal said I could log into the site and close the rest of my account in 2-3 business days. 

Today is Mon, XX/XX/year> and the folks at PayPal Credit say the account is closed. Meanwhile the folks at PayPay main customer service are saying the card is not closed.

I urgently want to close all PayPal accounts. Based on my experience, they are refusing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX # XXXX -- -- Opened : XX/XX/XXXX XXXX  # XXXX -- -- Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: TX

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. 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. XXXX, XXXX  and XXXX  are governed by USC 1681. They have violated my rights numerous times. I demand the accounts below be removed immediately : Please provide a 1099c as you are stating this account has been reported as a loss and written off. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX If you can not provide a 1099c then please delete immediately. Please provide your method of validation on how you're verifying this account as accurate when you're reporting a past due amount on an account that has been closed and written off. XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX If you can not provide your method of validation, then please delete immediately. Please provide your method of validation on how you're verifying this account as accurate when you're reporting a past due amount on an account that has been closed and written off. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  If you can not provide your method of validation, then please delete immediately. I have an agreement with the original creditor to delete this account once it was paid and that has not happened. XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please delete immediately as per my agreement with original creditor. Please provide a 1099c as you are stating this account has been reported as a loss and written off yet still reporting a balance. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX If unable to provide a 1099c then please delete immediately. I have an agreement with the original creditor to delete this account once it was paid and that has not happened. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please delete immediately as per my agreement with original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-09-29 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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 XX/XX/XXXXUS CXX/XX/XXXXe XXXX 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 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 2025-09-29 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) 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 XX/XX/XXXXUS CXX/XX/XXXXe XXXX 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 explanation
Consumer complaint received 2025-09-29 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: IN

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, Equifax & XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: KY

Complaint narrative:
On XX/XX/year>, at approximately XXXXXXXX XXXX, I received a phone call from XXXX XXXX XXXX regarding a payment issue. 
That morning, I had to cancel my debit card due to fraudulent charges and was unable to use the original agreed upon payment method. After working with the initial representative, we agreed the best solution was to use my mothers card, and I was transferred to a supervisor to confirm this change. 

As soon as I explained that my mother could not join the call because she was at work, the supervisor became dismissive and sarcastic. He told me I needed to follow orders and threatened to revoke my credit cancellation unless I complied immediately. He was quick to cut me off and gave me no chance to explain a reasonable alternative before placing me on hold for two minutes. 

When he returned, I clarified that I was not refusing and that I could complete his request later the same business day. I asked for written confirmation if he intended to revoke the cancellation despite my willingness to comply. At that point, he shifted and agreed I could do it later, but not before calling me disrespectful and rude for asserting myself while he repeatedly talked over me.

I was attempting in good faith to resolve the matter and make payments as agreed. Instead, I was met with intimidation, dismissive treatment, and verbal abuse. This conduct is unacceptable in any industry and may constitute a violation of consumer protection law. I request that this matter be reviewed and addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX # XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX XXXX  # XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX # XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX # XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX DP OF EDUC # XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX DP OF EDUC # XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation