vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
I am disputing a collection account related to my Apple Card ( Goldman Sachs Bank USA XXXX. I sent a debt validation request via certified mail to Goldman Sachs on XX/XX/XXXX, and it was confirmed delivered. I have not received any response after 30 days. 

I then filed disputes with Equifax, Experian, and TransUnion regarding this account. However, all three bureaus failed to take any action or properly investigate within the required 30-day period. 

This is a clear violation of the FDCPA and FCRA. The account remains on my credit report without validation, harming my score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: Essential Lending Inc
State: TX

Complaint narrative:
I am filing a complaint against both Experian and XXXX ( XXXX XXXX XXXX ) for refusing to correct inaccurate and misleading information on my credit report. 

I disputed an account reported by XXXX, account ending in XXXX, which is closed and has a {$0.00} balance. Despite being resolved, the account is still reported as derogatory with XXXX late payments. Additionally, the exact same account is being reported on Equifax under a different name, " XXXX XXXX, '' with the same open date, payment history, and account number. This creates a duplicate and misleading tradeline. 

Experian investigated and returned the account as verified, but provided no opportunity for me to submit supporting documents after my initial dispute. They also blocked further uploads during the investigation, denying me my right under FCRA 611 ( a ) to support my case. This dispute process was not handled in good faith and violates the accuracy and reinvestigation requirements of the Fair Credit Reporting Act. 

I am currently under contract to close on a mortgage on XX/XX/year>, and this unresolved reporting error is suppressing my XXXX XXXX unfairly. I request that the CFPB compel Experian and XXXX to delete this inaccurate tradeline and provide written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} Inquiries XXXX XXXX XXXX Date XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MO

Complaint narrative:
XXXX XXXX for XXXX 's credit card was activated on the wrong credit card account. I spoke to XXXX XXXX customer service. XXXX 's indicated that the previous account ending in XXXX was mistakenly not closed. Therefore, the new account ending in XXXX did not need to be opened. The XXXX 's representative I spoke to on XX/XX/year> removed all late fees for the new card ending in XXXX, and I made a payment for the balance remaining of {$310.00}. I was advised that the previous account is now closed ending in XXXX. I am asking that the late payment status from all XXXX 's accounts with all credit reporting agencies remove the late status. Thank you! 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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am submitting this complaint because inaccurate personal information is being reported on my consumer credit file, which is causing harm to my financial reputation and violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Correct Information : Full Name : XXXX XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Inaccurate Information Being Reported : Incorrect Address : XXXX XXXX, XXXX XXXX, OH XXXX Timeline of XXXX  : On reviewing my credit report from [ insert bureau : Experian, Equifax, or TransUnion ], I discovered that an incorrect address " XXXX XXXX, XXXX XXXX, OH XXXX '' is listed as a current or past residence. I have never lived at this address. My correct and verifiable current address is XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, I have already submitted disputes to the relevant credit bureau ( s ) and included copies of my driver 's license and a recent utility bill as proof of my correct address. However, the incorrect address remains on my file, in apparent violation of my rights under 15 U.S.C. 1681i ( a ) and 1681e ( b ), which require credit reporting agencies to ensure maximum possible accuracy of information.

Personal Impact : This error may cause confusion during identity verification processes, especially when applying for credit, insurance, or employment. It also increases my risk of identity theft or misattribution of someone else 's negative account history to my file.

Requested Action : I request that the CFPB direct the relevant credit reporting bureau ( s ) to : Permanently remove the incorrect address " XXXX XXXX, XXXX XXXX, OH XXXX '' from my credit file ; Confirm in writing that the correction has been made and reflected across all affiliated data users ; Investigate the source of the erroneous address and ensure proper procedures are followed under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

I am attaching a copy of my government-issued ID and a recent utility bill to confirm my correct personal information. Thank you for your attention to this matter.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting this complaint because inaccurate personal information is being reported on my consumer credit file, which is causing harm to my financial reputation and violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Correct Information : Full Name : XXXX XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Inaccurate Information Being Reported : Incorrect Address : XXXX XXXX, XXXX XXXX, OH XXXX Timeline of XXXX  : On reviewing my credit report from [ insert bureau : Experian, Equifax, or TransUnion ], I discovered that an incorrect address " XXXX XXXX, XXXX XXXX, OH XXXX '' is listed as a current or past residence. I have never lived at this address. My correct and verifiable current address is XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, I have already submitted disputes to the relevant credit bureau ( s ) and included copies of my driver 's license and a recent utility bill as proof of my correct address. However, the incorrect address remains on my file, in apparent violation of my rights under 15 U.S.C. 1681i ( a ) and 1681e ( b ), which require credit reporting agencies to ensure maximum possible accuracy of information.

Personal Impact : This error may cause confusion during identity verification processes, especially when applying for credit, insurance, or employment. It also increases my risk of identity theft or misattribution of someone else 's negative account history to my file.

Requested Action : I request that the CFPB direct the relevant credit reporting bureau ( s ) to : Permanently remove the incorrect address " XXXX XXXX, XXXX XXXX, OH XXXX '' from my credit file ; Confirm in writing that the correction has been made and reflected across all affiliated data users ; Investigate the source of the erroneous address and ensure proper procedures are followed under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

I am attaching a copy of my government-issued ID and a recent utility bill to confirm my correct personal information. Thank you for your attention to this matter.

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 2025-06-04 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: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-04 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: TX

Complaint narrative:
Requested debt validation and ownership of the negative accounts from both the creditor and the bureau. Did not receive a response back from the creditor nor the reporting bureau and this is a violation of my rights under the FCRA. Listed are the accounts : Creditor : XXXX XXXX XXXX Account # : XXXX Amount : {$520.00} Creditor : XXXX Account # : XXXX Amount : {$380.00} Creditor : XXXX XXXX XXXX Account XXXX : XXXX Amount : {$550.00}

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 explanation
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
Requested debt validation and ownership of the negative accounts from both the creditor and the bureau. Did not receive a response back from the creditor nor the reporting bureau and this is a violation of my rights under the FCRA. Listed are the accounts : Creditor : XXXX XXXX XXXX Account # : XXXX Amount : {$520.00} Creditor : XXXX Account # : XXXX Amount : {$380.00} Creditor : XXXX XXXX XXXX Account XXXX : XXXX Amount : {$550.00}

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 2025-06-04 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:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NC

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-06-04 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:
My credit report was negatively impacted due to unauthorized accounts from a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I demand blocking and removal within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report 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 XXXXXX/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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
As a result of a data breach, my credit report now contains fraudulent accounts. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting they be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: NC

Complaint narrative:
I received a notification from XXXX subscription service informing me that I owed collections to a collection agency. The collection agency is " CREDIT SYSTEMS INTERNATIONAL INC '' ( XXXX ). I called the collection agency and the collections were for a {$190.00} utility bill owed to XXXX XXXXXXXX XXXX. I walked through my associated personal information with the collection agency and believe I am a victim of identity fraud. Someone opened an account utilizing my information with XXXX XXXX XXXX for services at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have never lived at that address nor have opened an account with XXXX XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/year>, Balance : {$1500.00} XXXX  XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$21000.00XXXX XXXX XXXXXXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$1600.00}

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 explanation