vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 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, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-16 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: DE

Complaint narrative:
XXXX XXXX The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
I have been trying to pay my dept or settle my dept but no one is answering me or taking the money even though it was working the first few months I have already paid {$500.00} and have {$2000.00} left but no one is helping and I do not want to get sued I am trying to pay it off so I can get my credit right and buy a house but no one is helping they are unprofessional and have such bad reviews. I do not know what I am supposed to do because I have tried everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I was made aware through credit monitoring that XXXX Bank changed the positive status of my XX/XX/XXXX auto payment from current to 30 days lateXXXX XXXX years later. I have disputed this payment status with XXXX XXXX  and Experian. The error was corrected with XXXX but remains for the other XXXX agencies, which is lowering my credit standing as having a recent late payment. I have paid off this car loan in full. I mailed a letter to XXXX via certified mail on XX/XX/XXXX requesting validation and correction of this error. I have not heard back from them. I am attaching a copy of the alert stating that XXXX retroactively changed the status of my XX/XX/XXXX payment, a copy of proof of payment for XX/XX/XXXX and the dispute results from XXXX. I would like to have this paymet updated to current.

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 2025-09-16 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: MO

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 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 : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNTS : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Date Opened : XXXXXXXX XXXX Balance : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Date Opened : XXXX XXXX Balance : XXXX XXXXXX/XX/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 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 2025-09-16 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:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off 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 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 2025-09-16 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: DE

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
My bank account was hacked on via cash app for {$320.00} when bank noticed it it sent me a text which I will attach to this I filed a dispute and they want give me my mo et back stating it want fraudulent but it indeed was

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I have filed a complaint previously but would like to amend my dispute to simplify my issue. American Express maintains that I elected to advance miles into my XXXX XXXX account but has not provided any proof that I did so. I am requesting proof of debt. At a minimum : 1. American Express should be able to provide the date and exact time that I logged into my account to advance/purchase these miles.

2. American Express should provide me with the IP address that was used to login to my account.

3. American Express should provide the email that they sent me stating that the miles were advanced.

4. American Express should provide a written notice or confirmation that I approved this charge with a 3rd party authenticator like texting or emailing me a security code. Date & Time stamped for authentication. 

I maintain that I did not login to my online account to advance/purchase miles in XX/XX/year>. I was traveling internationally so it is possible that my account was hacked. 

I maintain that I did not receive an email alerting me of the advanced miles in XX/XX/year>, it is possible that this email went to junk. 

I have now requested this proof of debt twice and if I do not receive, I will be submitting a claim to small claims court for the maximum allowable amount. I request information from CFPB and American Express on the correct county and court to file, as American Express is a national company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: HI

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 4 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 30 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 2025-09-16 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:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information contained in my credit report must be accurate, complete, and verifiable. The credit reporting agencies and data furnishers are in direct violation of this law by maintaining inaccurate and inconsistent information on my file. The FCRA clearly states that any information that can not be fully verified with proper documentation must be deleted immediately.

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors and reporting entities from using or reporting false, inflated, or misleading information. By keeping incorrect data in my credit report, my creditworthiness is being unfairly damaged, which constitutes an unlawful practice. I am demanding a thorough, fair, and prompt investigation as required under the FCRA, and the immediate deletion of all inaccurate or unverifiable items from my file. In the different agencies they have different amounts and my account number with many XXXX they sent me a contract with different amounts and XXXX different addresses etc. 

Name the company XXXX cite corporation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: NY

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all information contained in my credit report must be accurate, complete, and verifiable. The credit reporting agencies and data furnishers are in direct violation of this law by maintaining inaccurate and inconsistent information on my file. The FCRA clearly states that any information that can not be fully verified with proper documentation must be deleted immediately. 

Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors and reporting entities from using or reporting false, inflated, or misleading information. By keeping incorrect data in my credit report, my creditworthiness is being unfairly damaged, which constitutes an unlawful practice. I am demanding a thorough, fair, and prompt investigation as required under the FCRA, and the immediate deletion of all inaccurate or unverifiable items from my file. In the different agencies they have different amounts and my account number with many XXXX they sent me a contract with different amounts and XXXX different addresses etc. 

Name the company XXXX cite corporation

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 2025-09-16 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: CA

Complaint narrative:
XXXX XXXXXXXX is reporting an account starting with. XXXX * * * * * * * * * * * XXXX XXXX XXXXXXXX XXXX XXXX Account starting with XXXX * * * * * * * * * * * * XXXX XXXX XXXX Account Starting With 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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
Rebuttal to Goldman Sachs CFPB Response - Admission of Misreporting Requires Correction : To Whom It May Concern, Goldman Sachs Bank USAs CFPB response is untenable. Goldman asserts my Apple Card account ( XXXX ) was reported accurately. That is directly contradicted by Goldmans own correspondence to me on XX/XX/year>, which admitted misreporting and confirmed correction. 

In that letter, Goldman Sachs explicitly stated : We have reviewed the information being disputed, as well as our records, and determined that your Apple Card account was NOT reported correctly. Your reported Account Information has been updated as of XX/XX/year>. We have sent a notice to XXXX XXXX and XXXX  to have this information updated. 

Once Goldman Sachs admitted that the account was not reported correctly, it had a duty under the Fair Credit Reporting Act to ensure accurate reporting moving forward. Continuing to furnish the disputed late payment after acknowledging misreporting is a clear violation of 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ).

This is not a matter of interpretation. Goldman Sachs has already conceded that the information was inaccurate. The continued reporting of that same late payment, in the face of this admission, constitutes willful noncompliance and ongoing harm. 

I demand the following immediate action : 1. Removal of the disputed late payment from all credit reporting agencies.

2. Written confirmation that all CRAs have been instructed to delete the inaccurate tradeline data.

3. A full explanation of why the admitted misreporting was not corrected in practice, despite the XX/XX/year> letter stating otherwise. 

Goldman Sachs can not retract or ignore its own admission. The only remedy consistent with federal law is full deletion of the inaccurate information. Anything less is continued willful violation of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
Hello CFPB, I am filing this complaint on behalf of a XXXX XXXX whose livelihood and family stability are being severely harmed by Experian, Equifax, and TransUnion. 

XXXX XXXX XXXX XXXX XXXX XXXX previously reported a tradeline tied to XXXX XXXX XXXX XXXX. However, on XX/XX/year>, XXXX XXXX responded in writing to a CFPB dispute confirming : The account was closed in its entirety. 

The balance was {$0.00}, as confirmed by the official housing clearance letter. 

They instructed that the tradeline be removed from all credit reporting. 


Despite this clear directive, more than XXXX months later, Experian, Equifax, and TransUnion are still reporting this tradeline. 

This is not a clerical error. It is a willful violation of the Fair Credit Reporting Act ( FCRA ) : FCRA 607 ( b ) : Failure to maintain maximum possible accuracy.

FCRA 611 ( a ) ( 5 ) : Failure to promptly delete inaccurate information after a furnishers correction.

FCRA 616 : Liability for willful noncompliance, including actual and punitive damages.

Impact of Harm : This XXXX has been denied stable housing for his family because landlords rely on inaccurate bureau reports. 

His federal employment has been directly jeopardized, as federal background checks rely heavily on these reports. His career is at stake because of the bureaus failure to comply with the law. 

This has caused financial loss, reputational harm, and severe emotional distress for a servicemember who served this country honorably. 


Requested Resolution : XXXX. CFPB must order Experian, Equifax, and TransUnion to delete this tradeline within XXXX business days and confirm in writing that deletion has occurred. 


XXXX. CFPB must investigate why the bureaus ignored XXXX XXXX clear instructions and continued reporting. 


XXXX. CFPB must require the bureaus to provide monetary relief and punitive damages to compensate for the housing denials, employment interference, and distress caused by nearly a year of noncompliance. 



Evidence attached : Housing clearance letter ( showing {$0.00} balance ). 

XXXX XXXX XX/XX/year> CFPB response confirming closure and removal.

Company response to consumer: Closed with non-monetary relief