vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 
1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
My spouse and I both have a high-yield savings account through Marcus by Goldman Sachs . We had called before and were told we are able to wire transfer to an external party. When we called a few days later requesting wire transfers, we were both told that we're not eligible to wire funds from our respective accounts to an external party. When asked why we weren't eligible, the company representative cited that per company policy, they do not share with customers why they aren't eligible to wire transfers funds to an external account. This is unacceptable and should be considered theft as Marcus is withholding a customer 's assets and refuses to elaborate the reasoning. 


Marcus has also stated that wire transfers to another account initiated before XXXX ET would be done within the same business day. My spouse had initiated a wire transfer around XXXX ET to her checkings account through XXXX XXXX XXXXXXXX but it was not completed within the same business day. Meanwhile, I had initiated a wire transfer to my own checkings account, also through XXXX  XXXX XXXX, and it was completed in only a few minutes. 

We have also called Marcus customer service desk multiple times and have received conflicting information regarding the timing of wire transfers, with some citing same day and others citing 1-3 business days and even 10 business days. When my spouse tries to escalate the issue to their leadership, she was told by the representative that was not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Equifax : Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Experian : Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion : TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Report. 

I am writing to formally dispute the following items on my credit report, as they are inaccurate and do not belong to me. These items are being reported under my name but are associated with my ex-husband. 

XXXX. XXXX XXXX XXXX XXXX XXXX Account Description of Dispute : This loan account belongs to my ex-husband and is not associated with me. I request that this account be removed from my credit report. 

XXXX. XXXX Credit Card Account Description of Dispute : This credit card account does not belong to me. I request that this account be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXXAccount Description of Dispute : This credit card account does not belong to me. I request that this account be removed from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. I request that these items be investigated and removed from my credit report immediately. 

Please conduct a thorough investigation and provide me with written confirmation of the results. I also request that you send an updated copy of my credit report reflecting the removal of these accounts. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Equifax : Equifax XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXX Experian : Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion : TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, PA 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 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: UPGRADE, INC.
State: NC

Complaint narrative:
In XXXX around the XXXX I got an email almost every hour about settling a debt from XXXX XXXX for a debt from Upgrade Inc. that lasted for about 2 weeks or longer. So around the last week of XXXX beginning of XXXX I finally replied back asking to set up a payment plan now no one will respond. I have contacted upgrade as well and they say they no longer have the debt and I need to get in touch with the debt collector it has been almost a month and no response I would like this debt removed because they refuse to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: LA

Complaint narrative:
This company is reporting inaccurate information on my credit report. This is a violation of my rights and is also a violation of federal laws. This needs to be removed immediately or I will seek legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a complaint regarding multiple unauthorized inquiries on my credit report that occurred between XXXX and XXXX. Upon reviewing my credit report, I noticed several inquiries related to auto loans, which I did not initiate or authorize. I believe that these inquiries are a result of identity theft. 

The inquiries in question are as follows : fXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> I did not apply for any auto loans during this period and have no connection to the companies that made these inquiries. I have taken steps to report the identity theft to the appropriate authorities, including filing a report with the Federal Trade Commission ( FTC ) and placing fraud alerts on my credit files. Despite these actions, the unauthorized inquiries remain on my credit report.

As these inquiries are a result of fraudulent activity, I respectfully request that the CFPB assist in investigating this issue and help me resolve it. Additionally, I would appreciate any guidance on how to proceed with clearing my credit report of these unauthorized inquiries and ensuring that they do not negatively impact my credit score.

Thank you for your attention to this matter. Please let me know if you require any further information or documentation to process my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am contacting you to dispute an unauthorized account that has been reported on my credit report. I have never opened, authorized, or used this account. Its reporting is entirely false and unfairly damaging my financial record.

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 2025-08-21 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: American Coradius International LLC
State: OH

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Complaint Against ACI, LLC Harassing Calls & Lack of Debt Validation Dear CFPB, I am filing a complaint against ACI, LLC, who claims I owe a debt to XXXX. I do not recognize or owe this debt. 
In XX/XX/year>, ACI, LLC began repeatedly calling me, including as early as XXXX XXXX in violation of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692c and 1692d ). These repeated and harassing calls occurred despite my right to request validation.

I formally requested debt validation, yet ACI, LLC has failed to provide any proper documentation such as : Identification of the original creditor, Itemized accounting of the alleged balance, A signed agreement proving I owe this debt, Proof of their authority to collect in Ohio.

I respectfully request that the CFPB : Investigate ACI, LLCs collection practices, Require them to cease harassing phone calls, Ensure they provide proper debt validation or stop collection altogether, Prevent them from reporting unverified debt to credit bureaus.

I am enclosing a copy of my debt validation request sent to ACI, LLC.

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX. XXXX  XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: IA

Complaint narrative:
MULTIPLE FRAUDULENT ACCOUNTS ARE REPORTING TO MY CREDIT FILE

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 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against Equifax Information Services, LLC for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding my recent disputes.

I properly disputed multiple inaccurate and incomplete items on my Equifax credit report. Equifax responded by marking these items as verified without providing me the legally required explanation of how such verification was conducted. Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I have the right to request a description of the procedure used to determine the accuracy and completeness of the information. However, Equifax has not allowed me, through its online dispute portal or otherwise, to exercise this right. This deprives me of transparency and due process in challenging the accuracy of my consumer report. 
To be clear, I was a victim of the XXXX Equifax data breach, which compromised millions of consumers personal data, including my own. In light of that breach, I have heightened concern about the accuracy and integrity of the information Equifax continues to report about me. The recent lawsuit filed by the CFPB against the credit reporting agencies for failing to conduct meaningful investigations further demonstrates the systemic nature of this problem. 
I specifically request that the CFPB investigate why Equifax : Refused to provide me with a description of how it verified the disputed accounts ; Does not allow consumers to obtain the verification method when disputing online, despite FCRA requirements; Verified accounts that contain demonstrably inaccurate information ; and Failed to ensure maximum possible accuracy of my consumer report as required under FCRA 607 ( b ). 
The accounts I disputed and Equifax improperly verified are as follows : XXXX XXXX XXXX XXXX XXXX XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my most recent credit report ( dated XX/XX/XXXX ) for your review and to support my claims. 
As a consumer, I am entitled to a fair and transparent dispute process. Equifaxs refusal to provide verification procedures directly violates my rights under the FCRA and has caused continued harm to my credit standing. I respectfully request that the CFPB investigate Equifaxs practices, require them to provide the verification documentation for each disputed item, and take enforcement action as necessary. 
Thank you for your attention to this matter. Please advise me of the next steps in your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: CA

Complaint narrative:
I am filing this complaint against Equifax for their continued reporting of a late payment account on my credit report which are XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This is not only a gross inaccuracy, but it also violates multiple provisions under the Fair Credit Reporting Act ( FCRA ), including 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and 607 ( b ) [ 15 U.S.C.

1681e ( b ) ]. I previously submitted a formal dispute regarding this inaccurate entry, yet Equifax failed to conduct a meaningful or lawful reinvestigation. They did not contact the furnisher nor provide any documentation verifying its accuracy. Their handling of the dispute shows noncompliance with the FCRAs requirement to conduct a reasonable reinvestigation. Equifax appears to rely solely on automated systems such as e-OSCAR rather than performing an actual manual review of disputed items or original records. This kind of automated verification process is insufficient under the FCRA, and can not meet the standard of a'reasonable ' reinvestigation. Further, under FCRA 607 ( b ), Equifax has a legal obligation to ensure the maximum possible accuracy of the information they report. Maintaining a late payment account on my record, with no documentation or proper validation, is a clear and damaging violation of that duty. This error has harmed my credit reputation, caused emotional distress, and denied me access to financial opportunities. In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements .. My experience is consistent with those systemic issues and shows these practices are still ongoing. I am requesting the CFPB to require Equifax to immediately delete the inaccurate information from my credit report, issue a full explanation of their investigation process, and hold them accountable for violating my rights as a consumer. If necessary, I am prepared to pursue compensation for damages under FCRA 1681n and 1681o. I have attached my formal dispute letter dated XX/XX/year>, which further outlines my concerns and demands. I respectfully ask the CFPB to investigate this matter and enforce compliance with federal law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account XXXX : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I went to check my credit report and noticed there were inquiries that were listed that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an Alleged account that you can not prove is mine. 
You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation