vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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:
This CFPB complaint is being submitted under the authority of FCRA 605B ( 15 U.S.C. 1681c-2 ) to demand that youTransUnionimmediately and without delay block all fraudulent information currently polluting my consumer credit report. You have 4 business days from the moment you receive this complaint to comply. This information is the direct result of identity theft and fraud and must be removed from my fileno exceptions. 

The false data in question includes a fraudulent personal credit card account, multiple unauthorized hard inquiries, and illegitimate collections. I have attached both a list of these fraudulent hard inquiries and a copy of the FICO credit report you maintain, clearly identifying the bogus entries.

Let me be absolutely clear : I do not recognize, nor did I authorize, any of the accounts, collections, or inquiries referenced in this complaint. I did not open them. I did not request them. I did not initiate them. They are fraudulentperiod. And continuing to report this information after receiving notice of its illegitimacy constitutes a violation of federal law.

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 2025-04-09 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-09 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: TX

Complaint narrative:
I, XXXX XXXX, have reviewed my consumer reports and noticed theres inaccurate information on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer reporting agencies have assumed a role and responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. I contacted XXXX XXXX, XXXX and asked for them to investigate and remove the inaccurate account ( XXXX ) from my consumer reports that they are illegally reporting and have requested the original application bearing my signature. Such proof clearly hasnt been provided. This is a violation of the FCRA. This disputed item should not appear on my consumer 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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Creditor : XXXX XXXX XXXX / XXXX Account Number : XXXX This late payment is inaccurate and should be removed in accordance with the Fair Credit Reporting Act. 
At the time of the payment, I was in a relationship with someone who had access to my personal laptop. After the relationship ended, I discovered that this individual had accessed my account without my permission and intentionally disabled my autopay settings. They later admitted over the phone that they were the one who made those changes. As a result, the scheduled payment was never processed, and I had no idea it failed until I noticed the late payment reported to the credit bureaus. 
I have since secured my accounts and changed all login credentials to prevent any future unauthorized access. I take my credit seriously and have a history of responsible payments, so this isolated late mark caused by tampering from someone else is not an accurate reflection of my creditworthiness. 
This situation falls under the protections of the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681s2 Furnishers are required to report accurate information and must correct any inaccuracies when notified 15 U.S. Code 1681i Credit reporting agencies must investigate disputed items and delete any unverifiable or inaccurate information within 30 days Because this late payment was caused by unauthorized access and not intentional nonpayment, I am requesting that it be removed from my credit report. If the furnisher can not provide documented evidence that I personally initiated the changes that led to the late payment, it must be deleted as required by law. 
Please notify me of the results of your investigation, and I appreciate your time and cooperation in resolving this matter.

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 2025-04-09 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:
My personal information was breached in the Equifax data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in XXXX business days according to the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: MA

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefited from it. Please know that the transactions on this account and its respective charges are all fraudulent. I never benefited from any of them, but rather it did a lot of damage to me. I wish to prevent further harm and fraud to my personal information so please, remove all these fraudulent transactions and account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened this checking account and transferred the sum of {$20000.00} to fund the account. There was no notification that they would impose restrictions on my withdrawals but when I endeavored on XX/XX/year> to verify the account at XXXX XXXX  that I wanted to have the money transferred to and was notified that the transfer verification process was complete. This still did not do the trick. Several days later I attempted to transfer money from the checking account to XXXX XXXX, a brokerage account and although I follow their account verification steps to the letter. The bank froze my account. They did not notify me that they were doing this or why and at the same time they also froze my debit card so I could not have access to any of the money in the account. There was no reason for this, and I believe it was illegal and an effort to maintain hold on the funds in the checking account in properly. Only when I instructed them to close the account, did they agree to transfer the money and even then the money is still not been transferred as of todays date there was no justification for this delay either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
Under my formal dispute letter dated XX/XX/year>, I submitted a lawful request demanding the deletion of a Charge-Off and Late Payments from my consumer credit report under the protections of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and the XXXX XXXX ( 15 U.S.C. 6802 ).

You are hereby notified that your failure to comply with federal consumer protection laws by continuing to report inaccurate, unverifiable, and unlawful information is a direct violation of my statutory rights. I have given you a fair opportunity to correct the inaccurate reporting, and you have failed to provide lawful verification, a wet-ink signature contract, or any credible documentary evidence substantiating the alleged debt. 
Your continued reporting of a XXXX and XXXX Payments without verifiable proof or lawful documentation violates the following : 15 U.S.C. 1681b - Permissible Purpose You have no permissible purpose to report unverifiable information on my credit report without my written consent.

15 U.S.C. 1681i - Reinvestigation of Disputed Information You failed to conduct a reasonable investigation or provide lawful evidence to support the Charge-Off.

15 U.S.C. 1692e - False or Misleading Representation Reporting unverified Charge-Offs and Late Payments constitutes fraudulent misrepresentation.

15 U.S.C. 6802 - Privacy of Consumer Financial Information You are furnishing my private financial information without my explicit written consent, which is a direct violation of federal privacy laws.

15 U.S.C. 1681s-2 - Furnisher 's Duty to Report Accurate Information The creditor furnishing this inaccurate information is prohibited from reporting unverifiable and fraudulent information. 
Due to your willful non-compliance and negligent failure to remove the unverifiable Charge-Off and Late Payments from my consumer report, I am formally notifying you of my intent to file a federal civil lawsuit against your company. This lawsuit will be filed in the United States District Court under : 15 U.S.C. 1681n Civil Liability for Willful Noncompliance 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance 15 U.S.C. XXXX  Civil Liability under the Fair Debt Collection Practices 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 non-monetary relief
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
Under my formal dispute letter dated XX/XX/year>, I submitted a lawful request demanding the deletion of a Charge-Off and Late Payments from my consumer credit report under the protections of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and the XXXX XXXX ( 15 U.S.C. 6802 ).

You are hereby notified that your failure to comply with federal consumer protection laws by continuing to report inaccurate, unverifiable, and unlawful information is a direct violation of my statutory rights. I have given you a fair opportunity to correct the inaccurate reporting, and you have failed to provide lawful verification, a wet-ink signature contract, or any credible documentary evidence substantiating the alleged debt. 
Your continued reporting of a XXXX and XXXX Payments without verifiable proof or lawful documentation violates the following : 15 U.S.C. 1681b - Permissible Purpose You have no permissible purpose to report unverifiable information on my credit report without my written consent.

15 U.S.C. 1681i - Reinvestigation of Disputed Information You failed to conduct a reasonable investigation or provide lawful evidence to support the Charge-Off.

15 U.S.C. 1692e - False or Misleading Representation Reporting unverified Charge-Offs and Late Payments constitutes fraudulent misrepresentation.

15 U.S.C. 6802 - Privacy of Consumer Financial Information You are furnishing my private financial information without my explicit written consent, which is a direct violation of federal privacy laws.

15 U.S.C. 1681s-2 - Furnisher 's Duty to Report Accurate Information The creditor furnishing this inaccurate information is prohibited from reporting unverifiable and fraudulent information. 
Due to your willful non-compliance and negligent failure to remove the unverifiable Charge-Off and Late Payments from my consumer report, I am formally notifying you of my intent to file a federal civil lawsuit against your company. This lawsuit will be filed in the United States District Court under : 15 U.S.C. 1681n Civil Liability for Willful Noncompliance 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance 15 U.S.C. XXXX  Civil Liability under the Fair Debt Collection Practices Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: WY

Complaint narrative:
Creditor : XXXXXXXX XXXX  Account Number : XXXX This late payment is inaccurate and should be removed in accordance with the Fair Credit Reporting Act. 
At the time of the payment, I was in a relationship with someone who had access to my personal laptop. After the relationship ended, I discovered that this individual had accessed my account without my permission and intentionally disabled my autopay settings. They later admitted over the phone that they were the one who made those changes. As a result, the scheduled payment was never processed, and I had no idea it failed until I noticed the late payment reported to the credit bureaus. 
I have since secured my accounts and changed all login credentials to prevent any future unauthorized access. I take my credit seriously and have a history of responsible payments, so this isolated late mark caused by tampering from someone else is not an accurate reflection of my creditworthiness. 
This situation falls under the protections of the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681s2 Furnishers are required to report accurate information and must correct any inaccuracies when notified 15 U.S. Code 1681i Credit reporting agencies must investigate disputed items and delete any unverifiable or inaccurate information within XXXX  days Because this late payment was caused by unauthorized access and not intentional nonpayment, I am requesting that it be removed from my credit report. If the furnisher can not provide documented evidence that I personally initiated the changes that led to the late payment, it must be deleted as required by law. 
Please notify me of the results of your investigation, and I appreciate your time and cooperation in resolving this matter.

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 2025-04-09 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: NJ

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - XXXX XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that to disclose my personal information, you have to have my written consent, making you liable for any remedy under the 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report, I noticed your office again violated my privacy. Under 15 USC 1681 ( a ) ( 4 ). After reviewing my consumer report, it has come to my attention that your office has again violated my privacy. 15 U.S.C. 1681, Section 602a ; 15 U.S.C. 1681, Section 604 ; and Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. No consent is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
HELLO I HAD A CREDIT CARD WITH APPLE CREDIT CARD WITH GOLDMAN SACHS BANK I DON'T KNOW WHY THEY CLOSED MY ACCOUNT AFTER I DID MY PAYMENT AROUNT XXXX DOLLARS AFTER THAT THEY LOWER MY CREDIT LIMIT THEN AFTER A WHILE THEY DECIDED TO CLOSE MY CARD WITHOUT TELLING ME. I ALWAYS BEEN GOOD CUSTOMER WITH COMPANY AND SPEND MY CARD AND MADE MY PAYMENTS ON TIME NEVER HAD ANY PROBLEM OR LATE PAYMENT WITH THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
These are ALL Fraudulent " Collections '' on my Credit Report : XXXX. XXXX XXXX {$23000.00} XX/XX/XXXX XXXX. XXXX XXXX {$170.00} XX/XX/XXXX XXXX. XXXX XXXX XXXX {$14000.00} OPEN XXXX. XXXX XXXX XXXX {$1100.00} OPEN XXXX. XXXX XXXX {$270.00} OPEN XXXX. XXXX XXXX XXXX XXXX {$700.00} OPEN

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