vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
This request the blocking of fraudulent information that resulted from identity theft, as authorized under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

I am a victim of identity theft, and the following item ( s ) on my credit report are not mine and were made without my knowledge or authorization : Apple Card/GS Bank XX/XX/XXXX as well as XXXX  XXXX XX/XX/XXXX In accordance with federal law, I respectfully request that the above account ( s ) be blocked from my credit report as soon as possible.

I have filed a police report, the report number is XXXX Please confirm in writing that the account ( s ) have been blocked and removed from my credit file. Additionally, I request that you not resubmit or reinstate any blocked information without full compliance with FCRA 1681c-2.

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD auto sent me a letter stating that : YOUR DISPUTE HAS BEEN CLASSIFIED AS FRIVOLOUS OR IRRELEVANT AND WILL NOT BE INVESTIGATED.

This incorrect and unfair reporting has lowered my credit score, harmed my financial opportunities, and violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and fair reporting. I am requesting that the CFPB intervene to ensure TD Auto : Fully reinvestigates this error Corrects the account status to Paid on time, No Late Payments Removes all negative marks related to this mistake from my credit reports I am attaching documentation showing the payment, original dispute dates, and their failure to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I am formally reporting that this company is furnishing an account that was fraudulently opened using my personal information without authorization, as part of an identity theft incident I have already documented with the FTC. 

On XX/XX/year>, I mailed a full identity theft packet to the company, including : A valid FTC Identity Theft Report ( # XXXX ) A notarized written statement attesting to the fraudulent nature of the account A copy of my photo ID and proof of address A dispute and blocking request pursuant to FCRA 605B According to the Fair Credit Reporting Act, the company is legally required to block any tradeline resulting from identity theft within XXXX business days of receiving proper notice. As of the date of this complaint, the fraudulent account is still being reported to XXXX or more credit reporting agencies. 

I have no financial relationship with this company and never consented to the account being opened. Continued reporting after receipt of a formal identity theft claim and supporting documentation is both harmful and unlawful. This is a clear failure to comply with FCRA 605B, 611, and 623 ( b ). 

The presence of this inaccurate tradeline has damaged my credit standing, lowered my scores, and caused denial of financing and increased interest rates. I request immediate corrective action and deletion of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: SC

Complaint narrative:
According to 15 USC 1681 c-2 and 1681s-2 they have broken the law by reporting this information on my report knowing its inaccurate. With XXXX XXXX data breach which my information was included. Remove this fraudulent information from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: SC

Complaint narrative:
According to 15 USC 1681 c-2 and 1681s-2 they have broken the law by reporting this information on my report knowing its inaccurate. With XXXX XXXX data breach which my information was included. Remove this fraudulent information from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: SC

Complaint narrative:
PLEASE SEE ATTACHED RELATING TO Consumer Financial Protection Bureau, PLAINTIFF Experian Information Solutions , Inc., DEFENDENT Case Number : XXXX SPECIAL ATTENTION TO THE FOLLOWING PARTIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Application for XXXX XXXX XXXX XXXX Pending ) email : XXXX CONSUMER FINANCIAL PROTECTION BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Fax : ( XXXX ) XXXX XXXX XXXX, XXXX. XXXX XXXX. XXXX Email : XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Attorneys for Plaintiff Consumer Financial Protection Bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I have no knowledge of this flagship credit acceptance account in the amount of {$26000.00} opened XX/XX/year>. I am a victim of identity theft and I know my rights under the fcra act and XXXX XXXX laws. This account must be removed from my credit report immediately or I will be forced to take further legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: AL

Complaint narrative:
I am writing to respectfully request your assistance in addressing a late payment entry currently reflected on my credit reports regarding my account with XXXX  ( Account # : XXXX XXXX XXXX XXXX XXXX ), reported to TransUnion, Experian, and Equifax. 
According to my credit reports, a late payment was reported in XX/XX/year>. While I understand this may have resulted from a temporary oversight, I would like to note that I have since made every effort to keep the account in good standing and have consistently paid on time.

The account is currently : Open and Active In Current Payment Status Reporting {$0.00} Past Due Balance This isolated late payment does not reflect my overall payment behavior and commitment to maintaining positive credit standing. In light of my improved payment history and current account status, I am kindly requesting a goodwill adjustment to have the XX/XX/year> late payment entry removed from my credit files. 
This gesture would be a meaningful step in supporting my financial recovery and accurately reflecting my current responsibility as a borrower.

Please find attached a copy of my credit report and identification for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OH

Complaint narrative:
Several cards was stolen from the mailbox an was reported. Someone logged me out, tried to steal my personal account income. Left me with my hands tied to not even resolve or make it run in a circle. 

To say they can not locate my income or transfers with my XXXX account to. Did two transactions with XXXX an with my personal account credit card. 

I have two accounts, lied an said I was not Message In XXXX XXXX XXXX XXXX Changing The Future Outcome Can I get my compensation share too now for the errors. An blocking of my own life account an privacy rights too XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ).

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXX XXXX Equifax $ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This supplemental complaint is submitted to document Portfolio Recovery Associates, LLCs ( PRA ) continued noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), despite prior disputes and ample time to provide meaningful validation.

PRA has willfully failed to produce the following documents, all of which were specifically and repeatedly requested : A complete chain of title or assignment, identifying my specific account and linking it to a legally binding bill of sale. Generic portfolio documentation does not satisfy federal validation requirements under 15 U.S.C. 1692g ( b ).

Legal documentation demonstrating PRAs authority to collect debts in the State of Florida. No such evidence has been presented despite formal dispute notices and federal complaint records.

Verification of the method used to confirm the accuracy of the disputed tradeline with Experian, Equifax, and TransUnion, including the name and contact information of the verifying party and a description of the procedures used, as required under 15 U.S.C. 1681i ( a ) ( 7 ) and 1681g ( a ) ( 2 ).

Additionally, PRA violated the CFPBs 60-day response timeline, only responding after the deadline and with a recycled, boilerplate explanation that introduces no new information or documentation. This delay appears to have been a tactic to deflect rather than resolve the dispute in good faith. 

On XX/XX/year>, I formally sent and emailed a detailed Intent to XXXX letter to PRAs legal and compliance departments. I expect prompt compliance and a complete response within the timeframe provided. Otherwise, I will be pursuing federal litigation for willful violations of my consumer rights under 15 U.S.C. 1681n, 1681o, and 1692g.

This is now my fourth formal complaint against Portfolio Recovery Associates for continued unlawful conduct. I respectfully request that the CFPB escalate this matter for further investigation and enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: NY

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX XXXX, XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
Between XXXX XXXX XXXX, I placed multiple buy orders through Coinbase using my XXXX balance. Coinbase sent me confirmation emails stating the following orders had been successfully filled : XXXX : XXXX XXXX on XX/XX/year> ( Order ID : XXXX ) XXXX XXXX XXXX XXXX on XX/XX/year> ( Order ID : XXXX ) XXXX : XXXX XXXX on XX/XX/year> ( Order ID : XXXX ) XXXX  : XXXX XXXX  on XX/XX/year> ( Order ID : XXXX ) Despite being marked as filled, none of these assets appear in my wallet or transaction history, and the XXXX used has been deducted from my balance. I contacted Coinbase support requesting they either return my funds or credit the crypto to my account, but I received no resolution or meaningful response. 

I am requesting that Coinbase either ( 1 ) deliver the assets I paid for, or ( 2 ) return the equivalent amount of XXXX to my account immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-23 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:
I havent gotten anything resolved, the accounts are remaining on my credit report. Im a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} Date XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} 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 non-monetary relief
Consumer complaint received 2025-06-23 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: CA

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : 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 non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I signed up for care credit credit protection in case I lost my job. Made several calls regarding this service I paid for. Never respond back to my submission or request instead close my account. They also Lowered my credit limit to Make it look like I was maxed out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My unemployment card was intercepted by someone else activated and used I have called numerous times about this and get told some story of how XXXX this or XXXX that when I called XXXX they said nothing was wrong my online account was opened by someone and since I can't verify my identity cause I don't know what they put or who did this I can't get my money or anything from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: IL

Complaint narrative:
Experian XXXX XXXX. XXXX XXXX XXXX, Texas XXXX Dear Sir/Madam, I recently reviewed my credit report and noticed some accounts ) that was not reporting ACCURATELY. I had a late payments ) on an account that I had in fact paid on time using my automatic payments ) on time for quite some time. I demand these XXXX  XXXX accounts be upgraded to paid on time immediately. Please update these accounts to PAID NEVER LATE. 
XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX According to 15 U.S. Code 1681b ( 2 ) and FCRA section 605E, it is illegal to report anything on my credit report without my permission. Please remove these accounts listed above. Also keep in mind that you are required to DELETE this no later than ( 4 ) days after you receive this dispute from me.

Also, according to FCRA 609 ( a ) : Without proper verification of the reporting entity, I dispute the legitimacy of the debt and demand recourse.

In addition, according to FCRA 611 ( a ) : Failure to validate the debt removes any obligation on my part, allowing for a complete recoup of funds.

According to UCC 3-306 : As the claim is extinguished due to lack of evidence, I hereby set off any alleged obligations.

According to 15 USC 1681i ( 7 ) : items were DELETED, then came back. 
Sincerely, 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 2025-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
My mortgage company changed from SLS to Shellpoint. My XXXX and XXXX tax docuants are no longer available online. I've contacted the company multiple times over the past 2/3 months to obtain these documents and have yet to receive them. When I called back the second or third time they didn't even have a record of my original request.

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