vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 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: NJ

Complaint narrative:
This credit report doesn't reflect my actual financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-28 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: LA

Complaint narrative:
Complaint against : FAIR COLLECTIONS AND OUTSOURCING Summary of Complaint : I am disputing a debt that FAIR COLLECTIONS AND OUTSOURCING is attempting to collect and/or reporting to credit bureaus. This debt is inaccurate, and the company has failed to comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Details of Violation : I never received the legally required written notice of the debt within five ( 5 ) days of first contact, as required under 15 U.S.C. 1692g ( a ).

I am requesting validation of the debt, but the company has not provided adequate documentation proving I owe this debt or that they have the right to collect it.

The account is being reported to credit bureaus without proper verification, which violates 15 U.S.C. 1681s-2 of the FCRA.

Continuing collection efforts without providing proper validation violates FDCPA 809 ( b ).

Resolution Requested : Require FAIR COLLECTIONS AND OUTSOURCING to provide full and proper validation of the alleged debt. 
If validation can not be provided, require that the debt be deleted from my credit reports and that all collection activity stop immediately. 
Ensure that all further communication regarding this matter is in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
Charges : XX/XX/year> XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  : {$1700.00} -XXXX XXXX XXXX # XXXX XXXX, XXXX : {$670.00} These charges were fraudulently made on my Target Store Credit Card on XX/XX/XXXX. I immediately filed a fraud claim with Target. The company shut down my account and reissued a new card number. I've had to file other credit card fraud claims in the past, and the issues are typically resolved within a week. It has now been nearly four months, and these charges are still on my card. I've called the Target Fraud Department on at least 6 different occasions, two of which I spoke to a supervisor. I get different answers from each person I speak with. Today, I spoke with a supervisor that told me that they have " no specific timeframe '' for responding to fraud claims, as they are behind and got " slammed with fraud cases all at once. '' I mentioned that I've already filed a claim with the MN Attorney General, and they advised the company has 90 business days to resolve the claim. When I told today 's supervisor this information, she said she was unfamiliar with the laws, as she doesn't live in MN. Target is a MN based company. I asked how a supervisor in the fraud department could be unfamiliar with the laws dealing with fraud, and she said she only goes by what her company says.

I do not know what else to do to get these charges removed from my account. I need assistance in someone looking into the fraud department at Target, as they seem to think they are above the laws set forth to protect consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I am filing a formal complaint against Experian Information Solutions , Inc. for willful and repeated violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the handling of my disputes.

I have submitted numerous disputes of inaccurate, unverifiable, and outdated information on my credit report. Each time, within 714 days, Experian responds claiming the items are verified as accurate without providing any documentation, proof, or explanation. These repeated sham investigations clearly violate FCRA requirements to conduct a thorough and reasonable investigation.

Experians actions have caused ongoing harm to my credit, financial opportunities, and personal life. I am aware that Experian is currently facing lawsuits for similar misconduct, demonstrating this is not an isolated incident but a systemic failure. 
Under FCRA, consumers have the right to accurate credit reporting and remedies for willful or negligent violations, including damages, attorneys fees, and statutory penalties. If Experian continues this pattern, I am prepared to pursue legal action to protect my rights and seek accountability. 

I request that the CFPB : Investigate Experians handling of my disputes. 
Require Experian to provide documentation of all verification procedures they claim to have performed. 
Take any necessary enforcement action to ensure Experian complies with FCRA obligations. 

I have submitted numerous requests with evidence they are not completing investigations. 

Thank you for your urgent attention to this matter. I expect prompt action to protect my rights under 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 2025-08-28 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: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Transunion continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run 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 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
> On XX/XX/year>, I formally requested to close my Suncoast Credit Union account and submitted a dispute regarding wrongful overdraft charges and unreturned funds. Despite that, Suncoast did not close the account and allowed ongoing charges. On XX/XX/XXXX, I received a voicemail from XXXX at Suncoast saying I must re-deposit {$5.00} to proceed with the disputeeven though I had already requested closure. 

This creates an unlawful condition : they're refusing to process my dispute unless I deposit more money, and holding my account open against my instructions. This appears to be a tactic to retain control of the account and potentially incur more charges. 

I am attaching a screenshot of the voicemail transcript for proof. 

I request that : My account be permanently closed effective XX/XX/year> Suncoast reverse all charges after that date They be investigated for abusive dispute handling and account closure delay

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: SC

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : INQUIRIES : XXXX XXXX Date : XX/XX/year> 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 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 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 2025-08-28 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: SC

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 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 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 2025-08-28 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: IN

Complaint narrative:
Goldman Sachs and Apple Card/Apple Support/Apple Services is severely MISHANDLING legitimate disputes. I was charged 6 times an amount of {$44.00} from a company called XXXX  Who on my Apple card from Goldman Sachs. on XX/XX/year> - once I realized this - I contacted Apple support to dispute these transactions. The dispute was filed and on XX/XX/year> - I received email notifications that all transaction disputes had been overturned and the provisional credit reversed. The note indicated that the transaction was " authorized ''. I reopened all disputes on XX/XX/year> - however, they were not noted appropriately with the proper DATE until XX/XX/year>. That delay is not explained. XXXX XXXX  spent time indicating that NO they were not authorized. I explained that I nor anyone on my family sharing account initiated the charges. I explained that my account must have been compromised. Or that at a minimum this was fraudulent activity. The credit card company turned my account off at this time. Which is not a problem for me EXCEPT that I can no longer pay on the account- I don't know the balance or any other transactions coming in - and my credit is now being impacted negatively. I asked twice for the disputes to be escalated and they clearly were not. This is my third time filing another dispute. On XX/XX/XXXX, I was notified again that all charges would remain. They took over 60 days to respond to the latest complaint, they did not provide proof of service, and are now telling me I am approaching some sort of expiration date. They are DELAYING the research of my transactions so that they can CLAIM I missed a cutoff date somewhere. 

They will not provide proof to me of services or merchandise that I received. I did NOT ORDER ANYTHING nor receive anything. This is not a subscription I signed up for. They could not prove I signed up for it either. Why are they allowed to steal money from me? Why aren't they held accountable to showing me proof?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2025, {$350.00}, company XXXX. I got XXXX charged each {$350.00} which I not show up big events yet because I not get any tickets from company sent email to me on XX/XX/XXXX. I been wait long. I did call company about where is tickets for event because I paid XXXX each ticket. They keep ignore me and keep hung on me because XXXX XXXX  I use XXXX  with XXXX. I did email and report to my bank for open dispute claim on XX/XX/XXXX. I got credit temporary money back until today XXXX XXXX they denied my claim and took my bank negative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to again formally demand resolution regarding my XXXX Citi credit card account XXXX XXXX. From XX/XX/XXXX on, I have always paid this card on time via automatic bank payments. But on XX/XX/XXXX, XXXX blocked my card due to suspected unauthorized activity. Since that date : - My bank disabled automatic payments at my request. 
- I have been unable to access electronic statements due to the Citi account block. 
- I have tried multiple times to contact Citi by phone but only succeeded with the help of XXXX customer service on two occasions. However, Citis record of my secret answers then had nothing to do with those I provided when I filed for this card in XX/XX/XXXX and the calls led nowhere. 
- After I alerted the CFPB, Citibank finally condescended to send me ONE paper statement on XX/XX/XXXX with a balance of {$1400.00} which I immediately paid in full by Check # XXXX cashed by City on XX/XX/XXXX. 
- In a certified letter of XX/XX/XXXX, I clearly stated that since this credit card had been destroyed in XXXX ( and sent back to city cut in little pieces ), any charge after XX/XX/XXXX must be fraudulent and that I will refuse to pay them along with any late fees and other charges. 
- I received on XX/XX/XXXX a statement from Citi for {$2000.00} with no details of charges which prevented me from identifying and contesting the fraudulent charges. 

I have sent prior letters documenting this situation ( on XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ) requesting mailed statements so I can fulfill my payment obligations. Citibanks continued refusal to provide my usual detailed statements by mail unless asked by the CFPB may constitute a violation of the Fair Credit Billing Act and Regulation Z under the Truth in Lending Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation