vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request for Immediate Removal of Accounts Compromised in TransUnion Data Breach Dear TransUnion Compliance Officer, I am writing in reference to the letter I received from TransUnion acknowledging that my personal information was included in a recent data breach. The letter confirmed that my private data was accessed without authorization and that my identity was potentially compromised. 
Despite this acknowledgment, the fraudulent or inaccurate accounts listed below remain on my credit file, directly resulting from XXXX own breach of consumer data security. Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and secure consumer information. Because the breach originated from your system and compromised my personally identifiable information, I am formally demanding the immediate removal of the affected accounts from my credit report. 
The following accounts must be deleted from my credit file effective immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were either fraudulently created or altered due to the security failure acknowledged by TransUnion. Your failure to remove them constitutes ongoing harm and negligence in safeguarding my data, contrary to 15 U.S.C. 1681e ( b ) and 1681i of the FCRA. 
Please conduct a full reinvestigation within the legally mandated time frame and provide written confirmation once these accounts have been permanently deleted from my report. 
Attached as Exhibit A is a copy of the TransUnion Breach Acknowledgment Letter I received as evidence of your prior admission of this security compromise.

If this matter is not resolved within the statutory period, I will have no choice but to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider civil action for damages resulting from TransUnions data breach and ongoing failure to ensure data integrity. 
Thank you for your prompt attention to this urgent matter. I expect a written response within 30 days as required under federal law. 
Sincerely, [ 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 2025-11-03 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Request for Immediate Removal of Accounts Compromised in TransUnion Data Breach Dear TransUnion Compliance Officer, I am writing in reference to the letter I received from TransUnion acknowledging that my personal information was included in a recent data breach. The letter confirmed that my private data was accessed without authorization and that my identity was potentially compromised. 
Despite this acknowledgment, the fraudulent or inaccurate accounts listed below remain on my credit file, directly resulting from XXXX own breach of consumer data security. Under the Fair Credit Reporting Act ( FCRA ), you are required to maintain accurate and secure consumer information. Because the breach originated from your system and compromised my personally identifiable information, I am formally demanding the immediate removal of the affected accounts from my credit report. 
The following accounts must be deleted from my credit file effective immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were either fraudulently created or altered due to the security failure acknowledged by TransUnion. Your failure to remove them constitutes ongoing harm and negligence in safeguarding my data, contrary to 15 U.S.C. 1681e ( b ) and 1681i of the FCRA. 
Please conduct a full reinvestigation within the legally mandated time frame and provide written confirmation once these accounts have been permanently deleted from my report. 
Attached as Exhibit A is a copy of the TransUnion Breach Acknowledgment Letter I received as evidence of your prior admission of this security compromise.

If this matter is not resolved within the statutory period, I will have no choice but to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider civil action for damages resulting from TransUnions data breach and ongoing failure to ensure data integrity. 
Thank you for your prompt attention to this urgent matter. I expect a written response within 30 days as required under federal law. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Coast to Coast Financial Solutions, Inc.
State: PA

Complaint narrative:
I have already paid the trash bill, the company would not accept my card so I had to pay the trash bill with direct banking. XXXX XXXX is already paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: ID

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to Central Portfolio Control. This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law.

The CFPB platform provides accountability and assurance that my request is properly forwarded and that Central Portfolio Control is required to respond.

In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to Central Portfolio Control.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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:
Hello, these accounts were opened up by my father while I was at college. I did not authorize him to open any accounts and want these removed. I have tried to report these as theft with FTC but they are shut down and no one has returned a call or email in 3 plus weeks. I went to my local police station in my city and they tell me they no longer investigate ID theft as they don't have the personal or resources to follow up. The police then tell me to follow up with the FTC but they don't return calls or emails. I can't get any movement on these fraudulent charges and this is not right. Below are the accounts that are fraud that I did not open or ever use as my Dad did and I would like them investigated to be removed because of theft of my ID. I am also attach my affidavit I signed as well as I what I sent to the Attorney General in TX last week XXXX XXXXXXXX which is debt collection agency and acct # XXXXXXXX XXXX XXXX  XXXX is a debt collection agency and account # XXXX Under FCRA 609 ( a ) ( 1 ), I am requesting the source and method of verification for the alleged account reporting on my credit report. Furthermore, under FCRA 605B, I assert that this account is fraudulent and demand immediate deletion based on the evidence enclosed

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against Experian, TransUnion, and Equifax for their ongoing failure to verify, correct, or remove inaccurate information from my credit reports, despite multiple disputes submitted since XX/XX/year>. 
Each dispute was sent by certified mail and included highlighted copies of the inaccurate items, proof of identity and address, and written explanations identifying the errors. Despite this, all three credit bureaus have failed to provide documentation verifying their reinvestigation process or identifying the sources used to confirm the information. 
These companies continue to report inaccurate or unverifiable data, which violates the Fair Credit Reporting Act ( FCRA ) and Meta 2 compliance requirements, including : FCRA 602 ( A ) : Duty to ensure fair and accurate reporting.

FCRA 607 ( b ) : Duty to maintain maximum possible accuracy. 
FCRA 611 ( a ) : Duty to conduct a reasonable reinvestigation within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibition against furnishing inaccurate information.

State-Level Action and Agency Referrals : I first filed with the Florida Attorney Generals Office , which confirmed receipt of my complaint and responded with the following statement : The Florida Attorney General 's Office received your correspondence regarding credit reporting and debt collection-related concerns. We have shared your information with the Attorney General 's Consumer Protection Division. You may also wish to contact the states mediation program operated by the Florida Department of Agriculture and Consumer Services ( DACS ), XXXX XXXX XXXX XXXX 
Following their referral, I have filed separate complaints with DACS against Experian, TransUnion, and Equifax, which are now under review. 
Despite these actions, the credit bureaus have not provided proper verification or corrected the inaccurate information, demonstrating continued noncompliance even after state-level intervention. 
Additionally, Equifax has restricted my access to my online account. Their system recognizes an account in my name but prevents me from logging in or resetting it, even after multiple phone calls and verification attempts. This ongoing access issue has prevented me from viewing or managing my report directly or monitoring the status of disputes.

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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Citi Customer Service, I am writing to express my concern and dissatisfaction regarding the recent closure of my Citi XXXX card account. 

I applied for a Citi XXXX card and was instructed to submit a signed Form 4506 as part of the account verification process. At that time, I was also informed that the annual fee for this year would be waived. 

After my first submission of the form was deemed incorrect, Citi granted me an additional 30 days to submit a corrected version. I complied promptly and sent the corrected form, which tracking records confirm was received by Citi. 

Despite this, my account was closed shortly after the forms receipt. The speed of the closure makes it impossible for the corrected form to have been processed, giving the impression that my account was closed without proper review of my documentation. 

This situation has caused unnecessary stress and inconvenience, especially as I followed all instructions and deadlines provided by Citi. I request the following actions to resolve this matter : A detailed explanation for why my account was closed. 

Reinstatement of my account with the annual fee waiver honored as initially promised. 

Confirmation that all documentation I submitted, including the corrected Form 4506, has been properly reviewed. 

I expect your prompt attention to this matter and look forward to a resolution that reflects fair and transparent handling of my 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 monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-03 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: CA

Complaint narrative:
I am writing once again to demand the immediate removal of fraudulent items persisting on my credit report. Despite my repeated attempts to resolve this, these unauthorized entries continue to plague my report. This unacceptable situation is deeply distressing and highlights severe failures in your systems that have allowed it to persist for far too long. My credit report contains incorrect personal information, directly causing these unknown and inaccurate accounts to appear. I am a confirmed victim of identity theft my information was stolen and used fraudulently, resulting in entries on my report that I have never authorized or been associated with. As instructed by Experian, I filed an FTC identity theft report and submitted it to you, yet these fraudulent items remain untouched.

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 2025-11-03 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:
I respectfully request that Equifax review and correct the following items in my credit report. If any information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : [ No charged-off accounts listed ] Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I attempted to deposit {$500.00} into my SoFi checking account. However, instead of the deposit being processed correctly, my account was charged {$500.00}. This appears to have been an error, as the transaction should have increased my balance rather than deducted from it. I would appreciate it if this issue could be reviewed and corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Ive been reaching out to PayPal since XXXX requesting written hardship assistance after losing my job and experiencing financial hardship. For months now, all Ive received are the same repetitive, canned responses through their message portal mostly from the same representative, XXXX. Despite my repeated communication and attempts to work with them, PayPal refuses to provide any real hardship options or written solutions. 

Its now been nearly three months of this cycle of copy-and-paste responses with no meaningful help. Ive made payments when I can to show good faith, but PayPal ignores that effort and continues to treat me like I havent tried. Their refusal to provide genuine assistance or even acknowledge the details of my hardship shows a complete lack of compassion and accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: CO

Complaint narrative:
I am disputing the accuracy of the following information on my TransUnion credit report. The charged off accounts are incorrect, and the late payments are being inaccurately reported. I respectfully request that you review these entries and correct them or remove them if they can not be properly verified. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/year> Balance : {$0.00} Late Payments : XXXX  XXXX Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX 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 2025-11-03 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: NJ

Complaint narrative:
I am filing this complaint because Experian is reporting inaccurate late payment information on the XXXX XXXX Bank account # XXXX. I am not disputing ownership of the account. I am disputing the accuracy of the reporting and Experians failure to verify the information before continuing to publish it. Late payment entries for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX do not accurately reflect my payment history. Under 15 USC 1681e ( b ), Experian is required to ensure that the information it reports is accurate. Under 15 USC 1681b, Experian can not furnish information without permissible purpose. I notified the furnisher on XX/XX/XXXX, with tracking number XXXX, but the inaccuracies were not corrected. I attempted to file a new FTC identity theft affidavit to attach, but the FTC website is down and the filing system is currently inaccessible. This inaccurate reporting is harming my creditworthiness and financial opportunities. I am requesting immediate correction.

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 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I was a co-owner on an Apple Card issued by Goldman Sachs. The primary cardholder filed for bankruptcy, but I did not file. I attempted to continue paying the balance and assume responsibility for the account. 

After the bankruptcy was processed, I contacted Goldman Sachs ( most recently on XX/XX/year> ) to make a payment and resolve the balance. I clearly stated I wanted to take over the payments and keep the account in good standing. 

Goldman Sachs refused to accept any payment from me or provide any resolution options because the account was closed due to the bankruptcy filing. At the same time, they continued reporting late payments and derogatory information to the credit bureaus under my credit file. 

This is unfair and inaccurate reporting. The lender can not block a non-bankrupt co-obligor from paying a debt and then continue reporting delinquencies against them. 

Please investigate and require Goldman Sachs to correct the reporting and provide a way to resolve this.

Company response to consumer: Closed with explanation