vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
Experian is reporting that I owe XXXX XXXX  and I do not. This item is not reporting on my other two credit bureaus. Please remove it now.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am submitting a complaint about outdated personal information on my credit report. I have mailed a dispute to Equifax requesting the removal of incorrect and outdated details XXXX XXXX XXXX XXXX XXXX, AZ XXXX & XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX. 
This information is linked to negative accounts that I have disputed separately. Please find attached my dispute letter and supporting documentation. 

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX RE : Request for Removal of Incorrect and Outdated Personal Information Dear Equifax, I am writing to request the removal of outdated and incorrect personal information from my credit report. The following details are no longer accurate and should be removed : Inaccurate Address : XXXX XXXX XXXX XXXX XXXX, AZ XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX. 

These outdated details are linked to negative accounts that I have disputed separately. Removing them ensures my credit report remains accurate and prevents improper verification. 

Please update my credit report to reflect only my current and accurate information : Current Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Current Phone Number : XXXX Correct Name : XXXX XXXX Enclosed, I have included documentation to verify my identity and current information : 1. A copy of my government-issued ID.

2. Proof of my current address ( utility bill, lease agreement, etc. ).

Thank you for your prompt attention to this matter. Please confirm once the requested changes have been made. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MD

Complaint narrative:
On XX/XX/XXXX I dispited inaccurate information belonging to XXXX XXXX XXXX XXXX that violates my Consumer Rights. 

This derogatory account that showes a closed date of XX/XX/XXXX, which is prior to my date of birth, remains on all XXXX Credit Bureau Reports ( TransUnion, Equifax, Experian )

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 2025-05-15 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: NY

Complaint narrative:
In early XXXX, my credit card account had fraudulent activity that I was not immediately aware of. As a result, the account became past due without my knowledge, and it was reported as late for XXXX, XXXX, XXXX, and XX/XX/year> with the most serious being a XXXX late in XXXX. Once I discovered the fraudulent charges, I took immediate action to resolve the issue with the creditor and bring the account current. 

The account has had a {$0.00} balance and on-time payments ever since XX/XX/year>. However, Experian, Equifax and TransUnion still report the XXXX late from XX/XX/year>, even though the issue was resolved and the account has been current for nearly a year. 

I have contacted Experian, Equifax, TransUnion and the creditor, but the negative mark remains. This outdated and unfair reporting is negatively affecting my credit. I am requesting that Experian remove or correct the inaccurate XXXX late mark to reflect the current account status and resolved fraud situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
In early XXXX, my credit card account had fraudulent activity that I was not immediately aware of. As a result, the account became past due without my knowledge, and it was reported as late for XXXX, XXXX, XXXX, and XX/XX/year> with the most serious being a XXXX late in XXXX. Once I discovered the fraudulent charges, I took immediate action to resolve the issue with the creditor and bring the account current. 

The account has had a {$0.00} balance and on-time payments ever since XX/XX/year>. However, Experian, Equifax and TransUnion still report the XXXX late from XX/XX/year>, even though the issue was resolved and the account has been current for nearly a year. 

I have contacted Experian, Equifax, TransUnion and the creditor, but the negative mark remains. This outdated and unfair reporting is negatively affecting my credit. I am requesting that Experian remove or correct the inaccurate XXXX late mark to reflect the current account status and resolved fraud situation.

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 2025-05-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Multiple companies have accessed my credit report without my authorization, directly damaging my credit score. Despite contacting Experian and being assured these fraudulent inquiries would be removed, they remain unresolved. Unauthorized credit pulls are a serious violation, and their continued presence suggests potential identity theftwhich is unacceptable. I demand these illegal inquiries be immediately deleted and a full explanation provided. This negligence has caused me undue financial harm and emotional distress, and I expect immediate corrective action.

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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My Apple Card account was unexpectedly closed by XXXX XXXX XXXX several years ago after a small, legitimate international transaction related to mental health support. I was not given prior warning or the opportunity to clarify the charge authorized by me. 

Later, I got an opportunity to perform a balance transfer to fully pay off the account, but was unable to do so due to the account being closed. I spent days off work on the phone with various agents, but no one could clearly understand the situation and was unable to provide a solution at the end. 

Despite the closure and my frustration, I continued to make payments for a long time- even using unemployment benefits- and made multiple attempts to communicate in good faith with the bank to resolve the balance. 

More recently, I requested written-only communication due to financial and medical hardship, including job loss, evacuation from natural disaster, 2nd evacuation from Water damage, and escalated emotional distress. I spoke with multiple agents and a supervisor who acknowledged my hardship but confirmed that no payment plans were available. 

I also asked repeatedly to stop receiving phone calls, which were emotionally harmful. Despite this, the calls continued. 

Most concerning is that Goldman Sachs continues to report the charged-off account to credit bureaus every month, significantly damaging my credit score - even though I paid for a long time after closure and maintained communication. This repeated monthly damage feels disproportionate and punishing, especially in light of the full context.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
I received a prepaid card from XXXX  XXXX XXXX for a little more than {$7.00} ( can not remember the cents involved because the page disappeared quickly ). I did a screen capture of the number, expiration date and CVV. When I used it to pay for my XXXX  bill ( use only {$7.00} ) and it rejected three times saying it can not be processed. I went back to XXXX and tried to retrieve info but it produced an error using two different browsers. It appears to be a way for the settlement company to cheat on the settlement funds and/or the Prepaid Card company fraudually prevents access to the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-15 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: PR

Complaint narrative:
I am writing to formally dispute inaccurate and potentially unlawful information that appears on my credit report from XXXX XXXX XXXX XXXX XXXX for an account that was voluntarily surrendered and is currently showing a {$10000.00} past due balance as of XX/XX/year>. 

The issues I am disputing are : 1. Account show last payment made was on XX/XX/year> but at the same time they are reporting as no payment ever. Ongoing Late Payment Reporting : This account was closed and the vehicle was surrendered. Continued reporting of monthly delinquencies after the account was closed is improper and misleading under the Fair Credit Reporting Act ( FCRA ).

2. Potential Re-Aging of Debt : The incorrect last payment date artificially extends the derogatory reporting period, which violates FCRA 605 ( c ).

3. Inaccurate Account Status : The account should reflect " Voluntarily Surrendered '' and " Closed, '' not as an account that is still accumulating late marks or appears to be actively delinquent. 
4. Stagnant Past Due Balance : The balance has not changed despite being reported monthly, which requires clarification.

Additionally, I am requesting that you provide a detailed description of the method of verification used in any previous investigation regarding this account, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Under FCRA 611, I am requesting that you conduct an investigation into this account, correct all inaccurate information, and provide me with a written response outlining the outcome of your investigation. 

Attached is a copy of my credit report showing the disputed information, along with identification documents for verification. 

Sincerely, [ Your Full Name ]

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 2025-05-15 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:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}

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 2025-05-15 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-15 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Meta Payments Inc.
State: OH

Complaint narrative:
I sold an item on XXXX XXXX. The buyer paid XXXX and XXXX is supposed to pay me after taking fees out of the proceeds, within XXXX days of shipping or XXXX days after confirmed delivery. I am owed {$350.00} from the sale. On XX/XX/XXXX I shipped the item and entered tracking information. On XX/XX/XXXX, the item was delivered. It is now XX/XX/XXXX, and I have not received my payout. I reached out to XXXX to initiate a support request on XX/XX/XXXX ( XXXX days after delivery ). They replied on XX/XX/XXXX ( XXXX days after their XXXX hour expected timeframe ). I have sent multiple emails to the requested email address. No reply, whatsoever since the initial response. My money was never paid to me from XXXX. I entered the correct XXXX information. My bank is no overdrawn due to bills being auto debited. I want my money and any and all overdraft fees covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I am filing a formal complaint against Experian for continued reporting of inaccurate and unverified data regarding the account XXXX XXXX XXXX. 

This account is listed as Charged Off with a past due balance of {$21000.00} as of XX/XX/2025. I have submitted multiple Metro 2compliant dispute letters with full identification, including government-issued ID and Social Security verification . Experian has failed to provide validation under FCRA 623 ( b ) and continues to report this account with no proper reinvestigation.

I received no accounting, no ledger, no proof of permissible purpose, and no verification of the alleged debt. As required by 15 U.S.C. 1681s-2, any data that is inaccurate, incomplete, or unverifiable must be removed. Experians reinvestigation appears to be either automated or ignored the documentation.

These continued reporting violations are impacting my ability to secure credit and infringe on my consumer rights. I am demanding immediate deletion of this account or a full reinvestigation that includes all documentation used to verify the accuracy of the account. All supporting records are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: FL

Complaint narrative:
I am filing a formal complaint against Experian for continued reporting of inaccurate and unverified data regarding the account XXXX XXXX XXXX. 

This account is listed as Charged Off with a past due balance of {$21000.00} as of XX/XX/2025. I have submitted multiple Metro 2compliant dispute letters with full identification, including government-issued ID and Social Security verification . Experian has failed to provide validation under FCRA 623 ( b ) and continues to report this account with no proper reinvestigation.

I received no accounting, no ledger, no proof of permissible purpose, and no verification of the alleged debt. As required by 15 U.S.C. 1681s-2, any data that is inaccurate, incomplete, or unverifiable must be removed. Experians reinvestigation appears to be either automated or ignored the documentation.

These continued reporting violations are impacting my ability to secure credit and infringe on my consumer rights. I am demanding immediate deletion of this account or a full reinvestigation that includes all documentation used to verify the accuracy of the account. All supporting records are available upon request.

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 2025-05-15 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 filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief