vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts on my credit report that I believe are inaccurate. Please find the details of the disputed items below, separated by bureau. 

Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-12-23 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-12-23 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: OH

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off 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

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to file a formal complaint regarding the re-insertion of an XXXX account ( Account Number : XXXX ) that was previously deleted from my TRANSUNION credit report. This account was removed last month following a dispute, but I have noticed that it has now reappeared on my recent credit report without any prior notice, verification, or supporting documentation. I am requesting that this account be permanently deleted. The re-insertion of this account violates the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates that a notice must be provided before a previously deleted account is reinserted. Additionally, this action violates the requirement for maximum accuracy under 15 U.S.C. 1681e ( b ), which obligates credit bureaus to ensure that the information they report is accurate and complete. I have filed an FTC Identity Theft Report regarding this issue and the reinsertion of this account continues to cause damage to my credit and reflect ongoing negligence. It is crucial that this matter be addressed immediately, as it constitutes willful noncompliance with the FCRA. I am asking the Consumer Financial Protection Bureau ( CFPB ) to intervene in this matter and ensure that the responsible parties comply with the FCRA by permanently deleting this XXXX account from my credit report and taking appropriate actions to prevent further unauthorized reinsertions.

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 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Sent a wire transfer on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXor which I have sent many wire transfers to before using the same information. Bank of America says it is under review. Then on the XXXX, I asked why it was still in process, for which they tell me because of the wire transfer description notes, which I explained. They say another XXXX hours to review which, I still receive no response. They now say they have escalated it, but still have not released the money to either send to the vendor, or return to me, with no explanation or timeframe. For reference, it is now 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 2025-12-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
On XX/XX/year> my XXXX was stolen. Following the theft, unauthorized transfers occurred from my Goldman Sachs Apple Savings account. The stolen funds were transferred into my XXXX XXXX account and then withdrawn without my authorization. I filed a police report and reported the fraud promptly. 

Goldman Sachs investigated the matter and reimbursed the full amount of approximately {$3000.00}, confirming that the activity was fraudulent.

Despite this, my Apple Savings account has remained restricted for over two years. I am currently unable to withdraw my own funds, even though the balance remains in the account. I have contacted Apple and Goldman Sachs multiple times and have only been told that the matter is under review, without any written explanation, resolution, or appeal process.

Why this is a problem The fraud was confirmed and reimbursed, yet my account continues to be restricted indefinitely. I have never been provided : A written explanation for the ongoing restriction Any formal appeal process A timeline for resolution This prolonged restriction prevents access to my own funds and appears unreasonable given the confirmed fraud determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-23 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: SD

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
I am disputing the accuracy of the following accounts listed under the charged-off and inquiries sections. These accounts contain incorrect or outdated information. Please verify and correct these entries. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Late Payments : XXXX  XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK, 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 2025-12-23 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: IN

Complaint narrative:
I am a victim of identity theft. I submitted valid identity theft disputes to TransUnion and Equifax requesting the blocking of fraudulent credit information pursuant to 15 U.S.C. 1681c-2. Despite receiving all required documentation, both companies failed to block the identity-theft-related information within the four-business-day timeframe required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UPGRADE, INC.
State: PA

Complaint narrative:
Formal Complaint Against Upgrade Bank Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am writing to file a formal complaint against Upgrade Bank regarding their unreasonably lengthy turnaround time in resolving an investigation into my bank account ending in XXXX, involving approximately {$4600.00}. 
Details of the Complaint : On [ date you initiated the dispute ], I reported [ brief description of the issue - unauthorized transaction/fraudulent activity/error ] to Upgrade Bank regarding my account XXXX in XXXX. The disputed amount totals approximately {$4600.00}. Despite following all required procedures and providing requested documentation, Upgrade Bank has failed to resolve this investigation in a timely manner. 

As of today, XX/XX/year> have passed without resolution. This extended delay has caused significant financial hardship, including [ mention specific impacts : inability to pay bills, overdraft fees, stress, etc.. 
Regulatory Concerns : Under the Electronic Fund Transfer Act and Regulation E, financial institutions are required to investigate disputed transactions within specific timeframes - typically 10 business days, with extensions in certain circumstances. Upgrade Bank 's handling of this matter appears to exceed reasonable timeframes and may violate these consumer protection regulations. 
Resolution Sought : I am requesting that Upgrade Bank : Complete their investigation immediately Provide a full written explanation of their findings Restore the disputed funds of approximately {$4600.00} to my account if the investigation finds in my favor Compensate me for any fees or financial damages incurred due to this delay I have attempted to resolve this matter directly with Upgrade Bank without satisfactory results. I am hopeful that XXXX  intervention will prompt appropriate action. 
Thank you for your attention to this matter. I am available to provide any additional documentation or information needed to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PREMIUM MORTGAGE CORP
State: NY

Complaint narrative:
I have a mortgage through premium mortgage company in New York. I am currently in a pending bankruptcy. The mortgage company has been sending mail to my lawyers address which has been getting returned to them. Nothing has been forwarded to me. I have requested statements from both parties.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: LA

Complaint narrative:
I am disputing the accuracy of the following accounts listed under the charged-off section. These accounts either contain incorrect balances or should not be reported. Please verify and correct these entries. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$560.00} Late Payments : XXXX XXXX XXXX XXXXXXXX

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 2025-12-23 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: CA

Complaint narrative:
I am submitting this complaint regarding fraudulent accounts that continue to be reported on my credit file without my knowledge, authorization, or consent. These accounts are the result of identity theft. 

I previously filed an Identity Theft Report with the Federal Trade Commission on XX/XX/2025 ( FTC Report # XXXX ) and submitted a prior CFPB complaint on XX/XX/2025. Despite providing notice and sufficient time for investigation, several fraudulent accounts remain inaccurately reported. 

The credit bureaus and furnishers are continuing to report accounts that do not belong to me, in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 602, 604, 611, 616, and 623 ) and the Fair Debt Collection Practices Act. Continued reporting after notice of identity theft constitutes willful noncompliance and defamation. 

I am demanding immediate deletion of the fraudulent accounts listed below and written confirmation of 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 2025-12-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> my Chase credit card was charged {$1200.00} by XXXX XXXX XXXX. 
Later XXXX XXXX received written confirmation from XXXX XXXX  that no payment was received and they cancelled my policy. 
Chase give me written statements that they transaction are valid. 
After multiple attempts to call XXXX and resolve problem, insurance company refused to reinstate policy, because they dont receive payment. 
Under the Fair Credit Billing Act a posted transaction does not establish that funds were not received by insurance company. 
XXXX requesting that Chase reverse the charge for service not received, and return my money back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: AR

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-12-23 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: GA

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute regarding the following accounts. Below are the details of the accounts in question, separated by each credit bureau. 

Charged Off Accounts XXXX  XXXX : Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX : Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX  XXXX : Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} Late Payments XXXX XXXX : Account Number : XXXX XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX XXXX  : Account Number : XXXX XXXX XXXX : Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: FL

Complaint narrative:
I am writing to dispute the following information on my credit report, which was provided by your agency on XXXX. I believe that the information listed below is either inaccurate, incomplete, or may be a result of a data breach. Please investigate and correct any errors in accordance with the Fair Credit Reporting Act ( FCRA ). 
Accounts in Dispute XXXX. XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Positive Discrepancy : No discrepancies were noted for this account, but I request confirmation that no unauthorized changes have been made. 
XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Positive Discrepancy : Please verify the integrity of this account for potential data breach concerns. 
XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Positive Discrepancy : Please confirm no breach has affected this account 's reporting. 
XXXX. Department of EducationXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Open Discrepancy : Reported as 120 Days Past Due, with 90 Days Late payments. These entries are inaccurate ; I request corrections. 
XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Collection Discrepancy : The reported balance of {$1400.00} is inaccurate. This account was disputed, and it appears open. Please update the status to reflect the dispute. 
Violations of the Fair Credit Reporting Act ( FCRA ) Under FCRA 1681e ( b ), all information reported must be accurate and complete. The accounts listed above are not accurate, and I am requesting a thorough investigation of these discrepancies. Please also ensure that your investigation complies with FCRA 1681i, which mandates that disputed items be investigated within 30 days.

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