vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I paid {$220.00} against the balance on my XXXX XXXX  on XX/XX/XXXX. Goldman Sachs is required to credit payments to your credit card account as of the date of receipt under federal law. It is XX/XX/XXXX and the payment has not posted. These XXXX XXXX  claim it will post tomorrow. Because we have a lawless government, these people think they can get away with XXXX And they can. 

We need a REVOLUTION IN THIS COUNTRY! 


XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
A request was sent in on XX/XX/2025 for full debt validation. Attached is the request that was sent over. No response was received. Please read fully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A request was sent in on XX/XX/year> for full debt validation. Attached is the request that was sent over. No response was received. Please read fully.

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 2025-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch
State: CA

Complaint narrative:
I am reporting false and inaccurate credit reporting and improper collection activity related to an alleged XXXX XXXX XXXX XXXX XXXX account that was properly returned years ago. 
After returning the instrument to the XXXX & XXXX XXXX XXXX location, I was later contacted and informed it had allegedly not been returned. I immediately spoke with store management, who acknowledged this was likely an internal inventory error and assured me the issue would be corrected. Relying on that representation, I believed the matter was resolved. 
Years later, without notice or verification, an alleged balance of approximately {$1800.00} was sent to collections and reported to consumer reporting agencies by Kinum, causing significant damage to my credit profile and interfering with active financial and assistance applications. 
I dispute owing any balance. The debt is invalid, results from internal record-keeping failures, and is being reported without proper verification or investigation. Despite multiple written notices and disputes, the companies involved have failed to respond or correct the reporting. 
This conduct appears to violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) by furnishing materially inaccurate information, failing to conduct a reasonable investigation after notice, and continuing to report an unverified debt. 
I am requesting regulatory intervention to require : Immediate deletion of the account from all consumer reporting agencies Cessation of all collection activity Written confirmation that the account has been closed with a zero balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: PA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-12-29 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: PA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: LEXISNEXIS
State: TX

Complaint narrative:
The bankruptcy record ( XXXX XXXX. XXXX ) and the address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX appearing on my XXXX consumer file do not belong to me and are the result of identity theft. I have never lived at that address and never filed or authorized any bankruptcy. 

Despite my dispute, XXXX relied on third-party data ( PACER ) and partial identifiers instead of ensuring maximum possible accuracy, as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ). Once identity theft is asserted, the FCRA requires the blocking and deletion of fraudulent information ( 15 U.S.C. 1681c-2 ), not continued reporting. 

I am requesting CFPB assistance to ensure immediate removal of this inaccurate and identity-theft-related information and to prevent further harm caused by unlawful credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
b"Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!\n\n\n 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 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

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX - XX/XX/year> XXXX XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX - XX/XX/year> XXXX - XX/XX/year> XXXX XXXX - XX/XX/year>

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 2025-12-29 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:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
Santander Consumer USA released a Virginia vehicle title on XX/XX/year> without listing the buyer. 
The defective assignment has prevented transfer of ownership and recording of the lien. 
I have valid registration and am making loan payments, but Santander has not corrected the title after more than 30 days. 
I am requesting immediate issuance of a corrected title.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
A collection account is being reported on my credit report with inconsistent and inaccurate information across the credit reporting agencies. The account is attributed to XXXX XXXX XXXX/ SpeedyCash, but the original creditor, collection agency name, and account status are reported differently by XXXX, XXXX, and XXXX. 

XXXX  reports the account as account seriously past due/ assigned to collections, while XXXX  shows missing status information and XXXX  reports a different original creditor and agency name. This indicates the information is not being reported accurately or consistently as required by the Fair Credit Reporting Act. 

I previously disputed this account, and it was marked as verified ; however, no documentation has been provided to explain or correct these discrepancies. I am requesting a meaningful investigation and either correction of the inaccurate reporting or deletion of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
I am a documented victim of identity theft. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account referenced above was opened without my knowledge, authorization, or consent. I did not apply for this account, I did not sign for it, I did not receive any funds, and I did not benefit from it in any way. 

I submitted a valid Federal Trade Commission Identity Theft Report and an official police report. Under 15 U.S.C. 1681c-2 ( FCRA 605B ), once an identity theft report is received, any entity furnishing or relying on this information must immediately cease reporting and permanently block the account. 

XXXX XXXX XXXX has provided no lawful proof establishing that this account belongs to me, including but not limited to : no IP address verification, no device verification, no wet signature, no in-person identity confirmation, and no verified disbursement recipient. Internal data matching or assumptions are not legally sufficient and do not override a valid identity theft report. 

Despite federal notice, this account continues to be reported as mine. Continued furnishing or verification after receipt of an identity theft report is unlawful and constitutes willful noncompliance with the Fair Credit Reporting Act.

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 2025-12-29 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: TX

Complaint narrative:
I have consistently maintained an on-time payment history, and I am committed to resolving this matter. I kindly request your consideration in waiving the late fee and removing the late payment from my credit report, as I believe this does not reflect my usual payment behavior.

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 2025-12-29 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: MO

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and XXXX  me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've sent many letters requested by mail to Equifax ongoing since XX/XX/year> to now. To opt me in to receive prescreened offers and remove any freezes. Equifax hasn't granted my request at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/year> -- {$440.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/year> -- {$980.00}

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 2025-12-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was charged {$490.00} for a two-night lodging reservation at The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

We arrived at the property at approximately XXXX PM. Within the first hour, a strong, pungent odor caused physical discomfort, including a headache. By approximately XXXX PM, we observed that the bathroom was not as advertised on the website and noted additional sanitation issues, including stains on the stove and visible stains on the bed. 

At approximately XXXX PM, we contacted the property owner in writing to report the conditions. By XXXX PM, we discovered hair in and on the bed and additional stains on the bedding and comforter, confirming that the sleeping area had not been properly cleaned. We documented these conditions with photos. 

We texted the owner again regarding the unsanitary bedding and air quality and received no response. At approximately XXXX PM, we called the owner and were informed that he was out of town. During that call, we formally notified him that we were checking out immediately due to unsanitary and uninhabitable conditions. 

That same evening, we sent a formal written email requesting a refund, which was disregarded. We did not stay overnight and instead checked into a nearby hotel for both reserved nights, for which we have receipts. 

I disputed the charge with Citibank and provided documentation including photos of hair and stains on the bed, unsanitary kitchen and bathroom conditions, written communications with the owner, and proof of alternate lodging. Despite this evidence, Citibank closed the dispute after the merchant claimed services were completed and reversed the provisional credit. 

The services were not completed. We vacated the property within hours of arrival due to documented health and sanitation concerns and did not use the accommodation. I am requesting that Citibank reopen the dispute under services not rendered/ not as described and permanently reverse the {$490.00} charge.

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 2025-12-29 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: AL

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NM

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One is furnishing materially inaccurate and misleading information to TransUnion regarding a charged-off credit card account. 

Despite the account being charged off and closed, Capital One continues to update the account monthly with a fluctuating balance and payment history, creating the appearance of an active obligation. This violates the Fair Credit Reporting Acts maximum possible accuracy standard ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

Additionally, the reporting raises concerns of unlawful re-aging under 15 U.S.C. 1681c ( a ), as the continued updates extend the appearance of delinquency beyond the original charge-off event. 

I have disputed this information with XXXX. If Capital One can not produce competent evidence verifying the accuracy of every reported field, the account must be deleted. I am requesting immediate deletion and written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: SC

Complaint narrative:
Equifax and Transunion are reporting a duplicate account with incorrect balances on both. These accounts are 100 % paid off with no late payments. I NEVER gave Equifax or Transunion or the above listed creditors any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practices.

You should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! These accounts are listed as duplicates with incorrect balances on the accounts, and missed payments and that is incorrect. According to the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed or updated to PAID AS AGREED. 


I have also attached the inaccurate spelling of my name that both Equifax and Experian are reporting and would like that to be updated as well. I have attached proof of my identity and address!

Company response to consumer: Closed with non-monetary relief