vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: NY

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent accounts resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). 

More seriously, the bureau has reinserted previously deleted fraudulent accounts without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ).

This misconduct is not an isolated incident. In fact, credit bureaus were sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights.

The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against NATLCRSYS regarding an account I have with them XXXXXXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Balance : {$4400.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with NATLCRSYS but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I tried to purchase a XXXX puppy from a adoption agency. All seemed legit, I found site on XXXX. I went through the discussion with the agency and all seemed fine. The agreement was XXXX for adoption fee. XXXX dollars deposit for the puppy. XXXX on delivery. I paid the XXXX through my Chime mobile account money transfer. All seemed fine. Then site asked for another XXXX for food, Another XXXX for Vet vacinations and another XXXX for registration. That totaled XXXX dollars. I was told I owe nothing and the puppy will be delivered. Well then they stated they need a rental fee for a transport crate. That deposit would be another XXXX dollars. Thats when I said enough. I demanded my money back in which they refused. Just stayed very persistent in this crate fee. I contacted Chime filled out several request forms online to no avail. Chime basically told me I ; m XXXX. I need to contact the people I transfered this money to and deal with them. The minute the other end received that money. account was closed. Two different chime accounts. So it was obvious they use chime and other apps like XXXX XXXX and gift cards. I explained to chime that these people dont exsist anymore! They were yr clients You opened accounts for them. You shold have some kind of info on them! They pretty much said there is nothing they can do. I need to contact the recipient. Who no longer exists. I got absolutely nowhere. This realyy hurt myself and wife.We just lost our XXXX  not long ago. I have snap pics of entire conversation with thesscam people. It was all in text

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing regarding a disputed charge of {$27.00} for a flower and cake order placed on XX/XX/year> through XXXX XXXX XXXX for this item code XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The product advertised included a glass vase and a neatly presented cake, but what I received was clearly not as described : The vase was missing ( flowers arrived in just plastic wrap ) The cake was melted and had the name XXXX written on it a name I never requested or provided I submitted XXXX disputes with clear photographic evidence ( attached ), but both were wrongly denied. This is not a minor issue its a case of partial fulfillment and incorrect product delivery. 

Last XXXX digits of my card : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: VA

Complaint narrative:
I am filing a formal complaint against U.S. Bank regarding their handling of my recent credit card dispute concerning a transaction with XXXX ( Order No. XXXX, for {$1300.00} USD ). 
Despite my diligent efforts to provide comprehensive evidence, U.S. Bank informed me on XX/XX/XXXX that they were " unable to assist in resolving [ my ] dispute '' due to " insufficient information ''. This decision is unacceptable and demonstrates a fundamental failure to properly review my case and protect me as a consumer. 
On XX/XX/XXXX, following their initial notice of non-assistance on XX/XX/XXXX, I spent over 1 hour and 30 minutes on the phone with a U.S. Bank manager ( named XXXX, as I recall ). During this extensive call, I thoroughly explained the situation and reiterated all the evidence. It is deeply frustrating that despite such direct communication and clear explanations, U.S. Bank maintains that the information is insufficient. This feels as though my efforts and concerns were not respected or properly considered. 
The core issues of my dispute are as follows : * Delivery of an Incorrect Item ( Not as Described ) : The table I received was fundamentally different in design and wood color from what was advertised and ordered on XXXX My original order was for a lighter, oak-colored table with a specific base design, but I received a darker, walnut-colored table with a completely different base design. This clearly constitutes a " not as described '' claim. 
* Severe Damage Upon Arrival & Refused Delivery : The item arrived severely damaged in its packaging. I immediately refused delivery, and the shipping carrier 's tracking confirms the status as " Delivery not completed ''. This shows I took immediate action to reject the faulty product.

* Merchant 's Unreasonable Policies and Lack of Resolution : XXXX has consistently refused a full refund, attempting to impose an unreasonable 60 % handling fee for refused deliveries. Their communication has been unhelpful and aimed at avoiding responsibility. 
* Established Precedent : I am aware that XXXX has a history of ruling in favor of other consumers who faced similar fraudulent practices from XXXX, resulting in full refunds. 
I have submitted and am prepared to resubmit all supporting documentation, including : * Original order details and website screenshot.

* Photos showing the incorrect design, different color, and severe damage of the received item.

* Delivery tracking records. 
* Communication logs with XXXX. 
* Call record with US Bank management on XX/XX/XXXX. 
I urge this agency to investigate U.S. Bank 's handling of my dispute. My expectation is a fair and just resolution to this fraudulent transaction.

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 2025-07-10 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: NE

Complaint narrative:
I am disputing the reporting practices of XXXX XXXXXXXX XXXX XXXX ( XXXX ), which are causing serious harm to my credit profile. The account in question is currently marked as Open and Current across all three major credit bureaus ( TransUnion, Experian, and Equifax ), yet each bureau reports multiple 30-day late payments, conflicting balances, and inconsistent credit limit information. 
Here are the specific inaccuracies and issues : Late Payments : 2 lates on TransUnion, 3 on Experian, and 2 on Equifax while the account is still reported as current and open. 

Balance Conflicts : {$450.00} ( TU ), {$440.00} ( EXP ), {$410.00} ( EFX ) no consistency. 

Credit Limit Misreporting : Equifax reports a {$0.00} credit limit while TU and EXP show {$820.00} which artificially inflates my utilization rate and lowers my score. 

Payment Amounts Differ : {$26.00} ( TU ), {$51.00} ( EXP ), {$52.00} ( EFX ) no match in terms. 

Inaccurate Last Activity Dates & Reporting Dates these vary by bureau as well. 

Personal Address Inaccuracy : My correct address is XXXX XXXX XXXX, XXXX, XXXX XXXX. Any other address listed on this account is incorrect and a legal violation. 

Violations of Federal Law : FCRA 607 ( b ) : Duty to report information with maximum possible accuracy clearly violated by inconsistent reporting across bureaus. 

FCRA 611 ( a ) : My right to dispute and have inaccurate information corrected or deleted these issues have gone unresolved.

FCRA 602 ( a ) : The purpose of the FCRA is to ensure fair and accurate credit reporting, essential to my financial well-being this account undermines that protection.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishing information known to be inaccurate the credit limit and balance discrepancies indicate this standard is not being upheld.

FCRA 623 ( a ) ( 2 ) : Duty to update and correct inaccurate or incomplete information again violated by the inconsistencies described.

FCRA 623 ( b ) : Duty to investigate disputed information no action has been taken to resolve my concerns. 

Fair Debt Collection Practices Act ( FDCPA ) 807 ( 2 ) ( A ) : If XXXX XXXX XXXX XXXX are acting as their own collectors and misrepresenting the character, amount, or legal status of the debt, this applies too. 

These errors materially harm my ability to access credit by dragging down my score with inflated utilization and inaccurate payment history. Despite the account being current, these late marks are misleading, excessive, and likely automated without proper verification.

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 2025-07-10 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:
Dear CFPB Officer, I am submitting this formal complaint regarding the reinsertion of fraudulent accounts into my credit report without proper notice or compliance with the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). These accounts were previously disputed and deleted, yet they have reappeared, violating my rights as a consumer and causing substantial harm to my credit.

Under FCRA 611, if a deleted item is reinserted, the credit reporting agency must : Notify the consumer in writing within 5 business days, and Provide the name, address, and phone number of the furnisher responsible for the reinsertion. 

I did not receive any notice or verification regarding the reappearance of these 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 XXXXXX/XX/XXXX These accounts are documented in my FTC Identity Theft Report ( # XXXX ) dated XX/XX/XXXX and were never authorized by me. 



Fair Resolution Requested : 1. Immediate and permanent deletion of both fraudulent accounts from all three credit bureaus ( Experian, Equifax, TransUnion ).

2. Written confirmation from the credit bureaus that the accounts have been removed and will not be reinserted unless full compliance with FCRA 611 is met.

3. Blocking of identity theftrelated information as required by FCRA XXXX, since a valid FTC Identity Theft Report was submitted. 
XXXX. Investigation of XXXX XXXX and XXXX XXXX XXXX for possible violation of FCRA XXXX ( a ) ( XXXX ) by furnishing data known to be false or previously disputed. 
XXXX. Correction of all false personal and address information connected to the fraud ( e.g., the identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
XXXX. Enforcement oversight by the CFPB to hold the responsible parties accountable and prevent further violations. 



I respectfully request that the CFPB investigate and take appropriate corrective and enforcement action. Enclosed is my FTC Identity Theft Report supporting the legitimacy of this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
Dear CFPB Officer, I am submitting this formal complaint regarding the reinsertion of fraudulent accounts into my credit report without proper notice or compliance with the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ). These accounts were previously disputed and deleted, yet they have reappeared, violating my rights as a consumer and causing substantial harm to my credit.

Under FCRA 611, if a deleted item is reinserted, the credit reporting agency must : Notify the consumer in writing within 5 business days, and Provide the name, address, and phone number of the furnisher responsible for the reinsertion. 

I did not receive any notice or verification regarding the reappearance of these 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 XXXXXX/XX/XXXX These accounts are documented in my FTC Identity Theft Report ( # XXXX ) dated XX/XX/XXXX and were never authorized by me. 



Fair Resolution Requested : 1. Immediate and permanent deletion of both fraudulent accounts from all three credit bureaus ( Experian, Equifax, TransUnion ).

2. Written confirmation from the credit bureaus that the accounts have been removed and will not be reinserted unless full compliance with FCRA 611 is met.

3. Blocking of identity theftrelated information as required by FCRA XXXX, since a valid FTC Identity Theft Report was submitted. 
XXXX. Investigation of XXXX XXXX and XXXX XXXX XXXX for possible violation of FCRA XXXX ( a ) ( XXXX ) by furnishing data known to be false or previously disputed. 
XXXX. Correction of all false personal and address information connected to the fraud ( e.g., the identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 
XXXX. Enforcement oversight by the CFPB to hold the responsible parties accountable and prevent further violations. 



I respectfully request that the CFPB investigate and take appropriate corrective and enforcement action. Enclosed is my FTC Identity Theft Report supporting the legitimacy of this complaint. 

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 non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am writing to respectfully request the removal of a negative credit remark associated with my auto loan through Suncoast Credit Union. This loan originated in XX/XX/XXXX and was fully paid and closed as of XX/XX/XXXX. Over the course of this 6-year term, I had two 30-day late payments that led to the following actions : Background Context : In XX/XX/XXXX, I was actively communicating with Suncoast 's legal department to discuss a possible discharge for the remaining loan balance ( Emergency Relief Banking Act of 1933 ) of approximately {$3800.00}. During this time, there were multiple exchanges, and unfortunately, due to a misunderstanding on my part regarding the process, my personal bank account with Suncoastwhich was tied to the automatic loan paymentswas closed. 

Although the auto loan account remained open, I lost access to my online banking portal. This forced me to make payments either by phone ( which incurred fees ) or by visiting the branch in person, which I did consistently for the remainder of the loan with two exceptions : 1. Repossession XX/XX/XXXX Action Taken : The vehicle was repossessed while I was on XXXX leave. I secured a private loan and redeemed the vehicle within 5 days. 

Cause : Missed payment due to medical leave and financial hardship during that time. 

2. Repossession XX/XX/XXXX Action Taken : The vehicle was again redeemed within 5 days. I paid all outstanding fees, fines, and brought the account current. 

Cause : My personal bank account ( XXXX ) was frozen due to an investigation into fraudulent charges, which led to unexpected overdrafts. The matter has since been resolved. 

While I take full responsibility for the missed payments, I respectfully request a goodwill adjustment to remove the negative remark, especially considering : The account is now closed, paid in full, and redeemed I consistently made payments for nearly six years The late payments were due to unusual, documentable life events This remark no longer reflects my current financial standing. It continues to impact my credit profile, affecting my ability to qualify for credit, obtain fair interest rates, and rebuild my score. 

I am committed to maintaining a strong credit history moving forward and would sincerely appreciate your consideration in removing or suppressing this remark as a gesture of goodwill. 

Thank you for your time and understanding. I am happy to provide supporting documentation if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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 submitting this complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., regarding inaccurate and unverifiable information being reported by several furnishers to the credit bureaus, as well as unauthorized inquiries appearing on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-10 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 filing a formal complaint regarding the Apple Card ( Goldman Sachs Bank USA ) account reported on my credit report. This account contains 13 months of negative payment history and a charge-off that I believe was mishandled, excessive, and potentially fraudulent. 

The derogatory reporting began escalating without proper notice, resolution options, or transparency. At no point was I given the opportunity to bring the account current before it was declared charged off. I previously disputed this with XXXX, and they failed to conduct a proper reinvestigation instead relying entirely on Goldman Sachs internal claims.

The damage to my credit is disproportionate to the balance ( {$500.00} limit ), and I was never contacted or alerted in writing about the default status. Additionally, the timeline of late payments and the final charge-off contradict the Truth in Lending and Loan Agreement terms. There is no verification that proper billing or disclosures were provided before the negative reporting began.

I demand the immediate removal of the charge-off and all negative history from this account, and for Experian to complete an actual reinvestigation per FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
I am submitting this complaint as a second-round dispute regarding a bankruptcy account that continues to be inaccurately reported on my credit file. Despite a previous dispute submitted in good faith, the credit reporting agencies have failed to provide verifiable proof that the information is accurate and complete, as required by the Fair Credit Reporting Act ( FCRA ), Section 611 ( 1681i ). 

The bankruptcy listing is either outdated, inconsistent with my public court records, or unverifiable. According to the FCRA, consumer reporting agencies must ensure that all information on credit reports is accurate, and they are legally obligated to conduct a reasonable reinvestigation when a consumer files a dispute. However, the bureaus have continued to report this account without properly validating the data.

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