vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2025-09-06 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: GA

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all XXXX  credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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 very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint 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 2025-09-06 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: FL

Complaint narrative:
I am submitting this follow up complaint to formally dispute and request the removal of inaccurate information appearing on my credit report. The reporting of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account with a balance of {$0.00} * * as a late closed account is incorrect. Under FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ), I am entitled to have any inaccurate information fully investigated, and under FCRA XXXX ( a ) ( XXXX ) 15 U.S.C. XXXX ( a ) ( XXXX ), furnishers of information are required to report accurate data. This account does not reflect my activity and should be removed from my credit file. 
Additionally, there are multiple inquiries on my credit report that I did not authorize. These include inquiries from XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXXXXXX on XX/XX/XXXX , and XXXXXXXX XXXX  on XX/XX/XXXXXXXX XXXX  on XX/XX/XXXX and XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXXXXXX XXXX  on XXXX FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ), only inquiries that I have expressly authorized may be reported. These inquiries were made without my consent and are therefore inaccurate and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: FL

Complaint narrative:
I am submitting this follow up complaint to formally dispute and request the removal of inaccurate information appearing on my credit report. The reporting of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account with a balance of {$0.00} * * as a late closed account is incorrect. Under FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ), I am entitled to have any inaccurate information fully investigated, and under FCRA XXXX ( a ) ( XXXX ) 15 U.S.C. XXXX ( a ) ( XXXX ), furnishers of information are required to report accurate data. This account does not reflect my activity and should be removed from my credit file. 
Additionally, there are multiple inquiries on my credit report that I did not authorize. These include inquiries from XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXXXXXX on XX/XX/XXXX , and XXXXXXXX XXXX  on XX/XX/XXXXXXXX XXXX  on XX/XX/XXXX and XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX and XXXXXXXX XXXX  on XXXX FCRA XXXX ( a ) 15 U.S.C. XXXX ( a ), only inquiries that I have expressly authorized may be reported. These inquiries were made without my consent and are therefore inaccurate and must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
I work with MOHELA as my federal loan servicer. I am on forbearance and I make regular payments. on XX/XX/XXXX and on XXXX I made XXXX payments. the payment on XX/XX/XXXX was for {$50.00} and I received a confirmation number XXXX. The payment on XXXX was for {$100.00} and the Confirmation number was # : XXXX. Neither payments were applied and there is no record of those payments ever being processed in the payment history as of XX/XX/XXXX. The interest keeps accruing and I have never had any trouble making online payments with this company in the past. HELP!!

Company response to consumer: Untimely response
Consumer complaint received 2025-09-06 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: FL

Complaint narrative:
I am filing a complaint to formally dispute and request the removal of several accounts and collections that have appeared on my credit report, as they are inaccurate and do not belong to me. I have never opened, authorized, or consented to the accounts, charge-offs, or collections listed below. These items were reported without my knowledge or permission and have caused significant hardship. 
The late-closed account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows a balance of {$0.00} and is being reported in a manner inconsistent with the FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ). This reporting is inaccurate and should be removed to reflect my true credit history. 
Additionally, the charge-off account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$3300.00} is incorrect and was reported without the proper issuance of IRS Form 1099-C, as required under FCRA 607 ( b ). The account is not mine and should be deleted from my credit file. 
Furthermore, the charged-off account XXXX XXXX XXXX  shows a balance of {$0.00} and is reported in violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and 605B / 15 U.S.C. 1681c-2. This item is also inaccurate and should be removed immediately. 
Lastly, the collection account XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$28000.00} * *, is being reported in violation of 605B / 15 U.S.C. 1681c-2. This account does not belong to me, and its continued reporting is damaging my credit profile unfairly. I request that your office investigate and remove this account as well.

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 2025-09-06 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: IL

Complaint narrative:
I previously filed a dispute with Equifax regarding two inaccurate accounts : one from XXXX XXXX XXXX ( account number ending in XXXX XXXX XXXX and another from XXXX XXXX XXXX ( account number ending in XXXX XXXXXXXX ) and other reports. My dispute was based on my belief that the information was incorrect and incomplete. 
The results of your investigation, dated XX/XX/XXXX and other dates, 2025, stated that the accounts were " modified '' but were not deleted. The accounts are still being reported on my credit file as collection accounts with past-due balances. 
This investigation was inadequate because it did not fully address the inaccuracies I raised, and the disputed items were not removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 

The following accounts are in dispute : XXXX XXXX XXXX XXXX Balance : {$48.00} XXXX XXXX XXXX XXXXXXXX Balance : {$25000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XX/XX/year> XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
Complaint : Misleading Credit Reporting and XXXX XXXX XXXX XXXX Notice Goldman Sachs Bank USA ( Apple Card ) In XX/XX/XXXX, a {$2.00} Apple XXXX subscription charge was automatically reassigned from my XXXX XXXXXXXX card ( which I had temporarily suspended after losing it ) to an Apple Card account with Goldman Sachs Bank USA without my authorization or knowledge. 
I received no billing statement by mail, email, or app notification alerting me to this balance. I was not actively using the Apple Card and had no reason to check the account. 
In XX/XX/XXXX, Goldman Sachs contacted me by phone, stated that I owed {$8.00}, and explicitly said : If you dont pay now, we will report you to the credit bureaus. I paid the balance in full on that same call. Despite this immediate cure, Goldman Sachs reported the account as XXXX days delinquent to the credit bureaus. 
This reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2, 1681e ( b ) ), which requires information furnished to be accurate and not misleading. Reporting me as delinquent suggests extended nonpayment, when in fact the balance was paid in full immediately upon first notice.

It also raises compliance concerns under the Truth in Lending Act and Regulation Z ( 12 CFR 1026.7 ), which require issuers to provide periodic statements with at least 21 days notice before payment is due. I received no effective notice of this balance and therefore had no opportunity to pay before delinquency reporting.

The harm is grossly disproportionate. A {$2.00} subscription charge, reassigned without my knowledge, has resulted in more than two years of credit score damage. I have an otherwise spotless record of on-time payments and responsible credit use. The only reason my score is not in the upper XXXX is that I immigrated to the U.S. as an adult and therefore have a shorter credit history.

Attached are Exhibits AD documenting this complaint.

These exhibits show ( A ) the small, recurring subscription charges reassigned without my knowledge, ( B ) my immediate full payment upon notification, ( C ) the ongoing derogatory credit reporting, and ( D ) the accounts dormancy and lack of effective billing notice.

Together, these demonstrate that Goldman Sachs Bank USAs reporting is misleading under the FCRA, failed to provide meaningful notice under TILA/Reg Z, and has caused disproportionate long-term harm relative to the underlying transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: DISCOVER BANK
State: TX

Complaint narrative:
Dear Discover Dispute Department, I am disputing the accuracy and legality of the Discover credit card account being furnished under my name ( Acct. ending in XXXX ). 

Your reporting is inaccurate, inconsistent, and harmful in the following ways : The account is reported as charged off, written off, and past due simultaneously which is contradictory and misleading. 
You are reporting 122 % utilization on a closed account with a {$2000.00} limit, which is mathematically impossible and misrepresents my credit risk. 
This same tradeline has been completely removed from Equifax, yet remains derogatory on XXXX XXXX XXXX proving your data is not consistent or reliable. 



Legal Basis FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report information known to be inaccurate.

FCRA 623 ( a ) ( 8 ) Direct disputes require reinvestigation and correction.

15 U.S.C. 1681e ( b ) Credit reporting must assure maximum possible accuracy.

15 U.S.C. 1681c-2 Unverifiable information must be blocked/deleted within 4 business days.

15 U.S.C. 1681c-3 Inconsistent reporting across consumer reports is inaccurate and must be corrected. 

I am also a documented victim of identity theft, which increases the legal burden on furnishers to validate and protect consumer data. Reporting unverifiable or contradictory data exposes me to greater harm. 



Personal Harm Because of your inaccurate reporting, I am being unfairly represented as delinquent and over-extended. This directly affects my ability to obtain financing for reliable transportation ( a car loan ), which is essential for employment, income, and daily living. This is causing actual damages in addition to statutory damages under the FCRA. 



DEMAND 7 DAYS You are hereby notified that you have 7 calendar days from receipt of this letter to : 1. Provide the original wet-ink signed application/contract for this account.

2. Provide a full accounting of how the reported balance was calculated post charge-off.

3. Correct the inconsistent reporting across the bureaus.

4. If you can not provide full validation and consistency within 7 days, you must delete this tradeline from Experian and TransUnion, as it has already been deleted from XXXX. 



Intent to Sue Failure to comply will result in formal complaints with the CFPB, the Office of the Comptroller of the Currency ( OCC ), and litigation under the FCRA. I will pursue statutory damages, actual damages related to credit denials ( including denial of auto financing for transportation ), punitive damages, and attorneys fees. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: SC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXXb Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-06 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: SC

Complaint narrative:
I first became aware of this fraudulent activity when I reviewed my credit report and/or received notice from a debt collector. These accounts is inaccurate, fraudulent, and the result of identity theft. 

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am requesting that this account be blocked from my credit file and permanently removed. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I also request that any debt collector immediately cease collection activity unless they can provide verified proof that this account is legitimately mine.

This statement is made truthfully and under penalty of perjury. I am attaching this explanation to my FTC Identity Theft Report and forwarding it to the credit reporting agencies and any debt collectors attempting to collect on this fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
I am writing to raise concerns about several inaccuracies on my credit report that have caused unnecessary stress and confusion. While reviewing my report, I discovered that the account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a charged-off balance of {$10000.00}, is being reported three times. This duplication is misleading, as it makes it appear that I owe much more than I actually do and unfairly impacts my credit profile.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
I am writing to raise concerns about several inaccuracies on my credit report that have caused unnecessary stress and confusion. While reviewing my report, I discovered that the account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a charged-off balance of {$10000.00}, is being reported three times. This duplication is misleading, as it makes it appear that I owe much more than I actually do and unfairly impacts my credit profile.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 2025-09-06 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: TN

Complaint narrative:
My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
In keeping with USC 1681g, please delete these false accounts within 15 days.

Company response to consumer: Closed with non-monetary relief