vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: MD

Complaint narrative:
This company is refusing to comply with FCRA identity-theft protections. 

XXXX  has received : Police Report # XXXX Copy of ID Proof of address Under FCRA 605B, they must block identity theft accounts within 4 business days once a police report is provided. They did not. 

XXXX is falsely claiming their reporting is accurate while providing XXXX evidence that I opened or authorized the accounts no signed documents, no IP/device logs, no delivery receipts, nothing required under FCRA to prove identity.

They are also violating : 623 ( a ) ( 6 ) & 623 ( b ) continuing to report unverifiable data 605B ( c ) ( 3 ) reinsertion without proper certification 11 U.S.C. 362 Bankruptcy automatic stay ( They referenced payment responsibilities while I am in an active XXXX ) The company wrote that their decision is final unless I provide new substantial evidence that is NOT how FCRA works. 
The burden of verification is on the furnisher, not the victim. 

I am requesting CFPB : Escalation to enforcement Immediate bureau removal Penalties for willful FCRA violations Mandatory confirmation of deletion XXXX  is knowingly ignoring federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Credit Billing Act, and all applicable federal protections governing credit reporting accuracy, verification, and consumer rights. I am asserting that the following accounts being reported under my consumer file are fraudulent, inaccurate, and/or unverifiable, and therefore must be fully investigated and REMOVED if the furnishers can not provide legally valid documentation. 

FREEDOM MORTGAGE CORP Date Opened : XX/XX/XXXX Reported Balance : {$280000.00} Account Number : XXXX * * * * XXXXXXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Reported Balance : {$45000.00} Account Number ( Partial ) : XXXX * * * * XXXX Date Opened : XX/XX/XXXX Reported Balance : {$0.00} Account Number ( Partial ) : 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 2025-12-02 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: SC

Complaint narrative:
I am requesting your assistance in correcting several inaccurate items on my credit report. These errors are preventing me from rebuilding my credit and do not appear to be reported accurately according to the FCRA. Please conduct a full investigation. 

CHARGED OFF Disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS 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 non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Debt was sold to a third party company without my agreement or consent. All of my information was sold and disclosed to the third-party in addition without my consent as well. 
Threats of negatively impacting my credit were made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/year> TRANSUNION XXXX XXXX XXXX PUT ON MY CREDIT REPORT XXXX COLLECTIONS FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collections accounts on my credit report. {$900.00} and {$520.00}. 

I have never had any kind of service with XXXXXXXX XXXX never received a bill, don't even know who they are?? 

AS OF XX/XX/year> CFPB FINALIZED A BILL THAT NO MEDICAL BILLS ARE TO BE ON A CREDIT REPORT. 

I SPOKE TO A AN XXXX XXXX ON XX/XX/year> AND I ASKED HER DID SHE KNOW WHAT THE LAW WAS REGARDING MEDICAL BILLS AND SHE SAID NO. THIS IS WHAT IS HAPPENING HAVING FOREINERS DOING XXXX XXXX REPORTS AND THEY DON'T EVEN KNOW WHAT THEY ARE DOING. 

PLEASE REMOVE THESE XXXX COLLECTIONS OFF OF MY CREDIT REPORT BECAUSE THEY ARE NOT MINE. 

PLEASE ADD THIS STATEMENT TO MY CREDIT REPORT.

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 2025-12-02 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: GA

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA. I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken oft immediately. 


APPLE CARD/GS Bank USA XXXX XXXX XXXX XXXX. XXXX {$3100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Clearview Resolution Services
State: SC

Complaint narrative:
The company had a representative reach out to me and told me they were with the South Carolina XXXX XXXX court system and if I didnt agree to a {$100.00} payment monthly that I would be subjected to a lawsuit, I then called back to XXXX XXXX XXXX verify an unable to do so as they have lied to obtain my card information under false pretenses and will not provide me with correct documentation of the loan. They will not answer the phone and they will not return calls if you do by chance get in contact with them they are all very rude and do not handle themselves, professionally or courteous towards customers.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-02 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: IL

Complaint narrative:
XXXXI am a consumer requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these items with each credit bureau individually. Under the Fair Credit Reporting Act (FCRA), I am asking that any information that cannot be fully verified be corrected or removed.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-02 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: PA

Complaint narrative:
These inquiries are not familiar to me and appear to be unauthorized. Please take immediate steps to address this matter. Additional clarification is included in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CT

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 
XXXX. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 

XXXX. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-12-02 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: Kikoff Inc.
State: FL

Complaint narrative:
The XXXX account is a prepaid account, and I do not have any pending balance with them. I have no active debt or overdue amount related to XXXX. 

Since this is prepaid and there is no amount owed, this account should not be reported as a collections or negative item on my credit report. 

Resolution requested : I am asking for this XXXX account to be removed from my credit report and for written confirmation once it has been deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
On XX/XX/XXXX, I contacted the company to ask questions regarding the interest on my student loans and to seek guidance on available repayment plans. During the call, the representative I spoke with was very rude, spoke to me with attitude, and did not provide the assistance I requested. The representative asked for my Social Security number, which I provided as part of the verification process. However, she then stated that she did not know what repayment plans are available and could not guide me on my questions. 
I am filing this complaint because the representatives behavior was unprofessional, and I did not receive the support or information expected when calling for help with my student loan account.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-02 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In XXXX XXXX, I purchased a firearm online from XXXXXXXX XXXX XXXX using my Apple Card ( issued by Goldman Sachs XXXX XXXX The purchase required pickup through a Federal Firearms Licensee ( FFL ) dealer for the mandatory background check and legal transfer. 

When I went to pick up the item, the FFL dealer denied the transfer because I did not have the proper identification required by federal law to complete the transaction. 

Despite never receiving the item, Goldman Sachs charged my Apple Card for the full purchase amount. The transfer was legally denied - I never took possession of the firearm and can not obtain it without proper ID. I filed a dispute with Goldman Sachs for merchandise not received. 

They have now denied my dispute twice in XXXX ( dispute # XXXX ), claiming there was " no evidence to substantiate the claim. '' This makes no sense- they are requiring me to prove I didn't receive something ( proving a negative, which is impossible ) while accepting XXXX proof from XXXX XXXX XXXX that I did receive it. 

I have proof of my expired ID that shows why the FFL denied the transfer, but Goldman Sachs does not provide a secure online portal to submit these documents. They require everything to be mailed, which is problematic for sensitive identity documents, time-consuming, and adds unnecessary delays to an already frustrating process. 

For any legal firearm transfer, there must be : Signed XXXX XXXX XXXX FFL transfer documentation Background check completion records Customer signature at pickup None of these documents exist because I never received the item. 

XXXX XXXX XXXX can not provide any proof of delivery or completed transfer documentation. When I escalated to a supervisor today, they admitted they couldn't actually resolve the issue, only " document '' it. They asked me to provide " new evidence '' that I didn't receive the item - an impossible request- while never requiring XXXXXXXX XXXX XXXX to prove delivery. 

Goldman Sachs has this dispute process backwards. The burden of proof should be on the merchant to prove delivery, not on me to prove non-receipt. This is especially egregious with a firearm purchase where extensive federal documentation would exist if I had actually received it. I am being charged on my Apple Card for merchandise I never received and can not legally obtain. 

Goldman Sachs is protecting XXXXXXXX XXXX XXXX while denying basic credit card dispute protections to their Apple Card customer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I originally closed my home loan through a local mortgage company, which subsequently sold the loan to PHH Mortgage Corporation. In XX/XX/year>, PHH requested proof of flood insurance. However, my home is not located within a floodplain. I provided PHH with multiple forms of official documentation, including FEMA records, an amended flood map, and certified elevation data from a licensed surveyor confirming that my home sits outside the designated flood zone.

Despite this, I have spent dozens of hours on the phone with PHH representatives and supervisors repeating the same information. They have repeatedly rejected all federal and licensed surveyor documentation, even though FEMA has confirmed directly to me that my property does not require flood insurance. 

In XXXX, PHH improperly began charging me {$210.00} per month for force-placed flood insurance, despite the extensive proof I have submitted. My complaint concerns PHHs negligence, failure to acknowledge certified federal and surveyor documents, and their refusal to correct an error that is resulting in unjustified charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: CA

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and Experian and Equifax are reporting multiple fraudulent accounts, unauthorized inquiries, and incorrect personal information on my credit report. I submitted a formal FCRA 605B Identity Theft Block Request, but these items have not been blocked or removed as required by law.

Under 15 U.S.C. 1681c-2 ( FCRA 605B ), the credit bureaus are legally required to block identity-theftrelated information within four ( 4 ) business days once the consumer provides proper documentation. I have submitted my proof of identity theft, but the disputed information continues to appear. 

Incorrect Personal Information My credit file contains incorrect personal information that does not belong to me : Incorrect Address : XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Employer : XXXX Auto Detailing Incorrect Employer : XXXX This personal information is not associated with me and is a direct result of identity theft and/or mixed files. 

Fraudulent Accounts to Block The following accounts are not mine, were never authorized by me, and must be blocked immediately under XXXX XXXX XXXX XXXX  XX/XX/XXXX {$820.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$13000.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$26000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$6700.00} * * XXXX XXXX XX/XX/XXXX {$130.00} * * I did not open these accounts, authorize them, or have any financial relationship with these furnishers. They were created as a result of identity theft. 

Unauthorized Hard Inquiry The following inquiry was made without my knowledge or consent : XXXX XX/XX/XXXX I never authorized this credit pull, and the reporting agency has not provided any XXXX signed documentation proving I permitted this inquiry. 

Failure to Comply with FCRA 605B Despite providing identity theft documentation, the bureaus have failed to : block fraudulent accounts within 4 business days remove unauthorized inquiries delete incorrect personal information prevent further harm to my credit file These failures violate federal law and have caused significant damage, including lowered credit scores and difficulty obtaining housing, transportation, and financial services. 

I am requesting CFPB assistance to ensure that Experian and Equifax comply with their legal obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: NY

Complaint narrative:
I am submitting this dispute regarding inaccurate and unverified information appearing on my TransUnion credit report. Under the FCRA, I request a full reinvestigation of the accounts listed below.

Any account that can not be fully validated with proper documentation must be removed.

CHARGED OFF ( TU ) XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$2600.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX, XX/XX/XXXX, {$7900.00} INQUIRIES ( TU ) No inquiries listed for dispute. 

LATE PAYMENTS ( TU ) 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 non-monetary relief
Consumer complaint received 2025-12-02 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: SC

Complaint narrative:
I am filing this complaint because Equifax is reporting information on my credit report that I believe is inaccurate or not properly verified. 
Charged-Off Account I am disputing the accuracy and reporting of the following account : XXXX Acct : XXXX Date : XX/XX/XXXX Balance : {$9300.00} There are issues with the dates, balance accuracy, and the overall verification of this account. It has not been properly validated.

2. Hard Inquiry ( Unauthorized ) The following inquiry was NOT authorized by me : XXXX XX/XX/XXXX I did not apply for credit with this company, and they did not have my permission or a permissible purpose under the FCRA. 

REQUEST : I am requesting that the CFPB require Equifax to conduct a full, lawful reinvestigation and remove any information that can not be properly verified.

Company response to consumer: Closed with explanation