vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This was wrongfully reported to my credit report during my lease term i moved XX/XX/year> It has been hard for me to be able to move anywhere with having to pay {$1000.00} for a security deposit. This has affected my credit report and me tremendously. It has been 45 days and its still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-10-01 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: MI

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I cashed a check that was mailed to me as a loan offer from mariner finance. My bank placed a hold on the check and subsequently closed my account because Citibank deemed the check from mariner finance a risk. Citibank returned the funds of the loan to mariner finance and their bank. However, mariner finance will not return the loan funds to me. And I am still making payments to mariner finance for a loan that I technically have not received. I want to receive the loan funds or else have this loan cancelled and my payments that I have XXXX returned to me. Citibank should return the money to me in the amount of {$4500.00}

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 2025-10-01 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: IL

Complaint narrative:
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 2025-10-01 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: MD

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist 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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft and I submitted a full FCRA 605B identity theft packet to EACH BUREAU, including my FTC Identity Theft Report, government ID, Social Security card, and proof of my current address. By law, the credit reporting agency must block the identity theft information within 4 business days after receiving this report. 

Instead, the agency only deleted the fraudulent accounts for about 24 hours and then reinserted them. This is not a lawful investigation or a permanent block. They also refused to permanently update my correct address and continue to tie old, fraud-linked addresses to my file, which allows the fraudulent accounts to come back. 

This violates my rights under the FCRA : 605B ( a ) failure to block identity theft information within 4 business days.

605B ( b ) failure to notify furnishers/resellers to stop re-reporting blocked information.

611 ( a ) ( 5 ) ( B ) unlawful reinsertion of deleted data without providing notice or certification.

607 ( b ) failure to maintain maximum possible accuracy by refusing to correct my PII/address.

611 ( a ) failure to conduct a reasonable reinvestigation.

623 ( b ) furnishers are also in violation for continuing to report fraudulent data after being notified. 

The CRAs actions have caused me ongoing harm including continued denials of credit, stress, and damage to my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NY

Complaint narrative:
I am a victim of identity theft and I submitted a full FCRA 605B identity theft packet to EACH BUREAU, including my FTC Identity Theft Report, government ID, Social Security card, and proof of my current address. By law, the credit reporting agency must block the identity theft information within 4 business days after receiving this report. 

Instead, the agency only deleted the fraudulent accounts for about 24 hours and then reinserted them. This is not a lawful investigation or a permanent block. They also refused to permanently update my correct address and continue to tie old, fraud-linked addresses to my file, which allows the fraudulent accounts to come back. 

This violates my rights under the FCRA : 605B ( a ) failure to block identity theft information within 4 business days.

605B ( b ) failure to notify furnishers/resellers to stop re-reporting blocked information.

611 ( a ) ( 5 ) ( B ) unlawful reinsertion of deleted data without providing notice or certification.

607 ( b ) failure to maintain maximum possible accuracy by refusing to correct my PII/address.

611 ( a ) failure to conduct a reasonable reinvestigation.

623 ( b ) furnishers are also in violation for continuing to report fraudulent data after being notified. 

The CRAs actions have caused me ongoing harm including continued denials of credit, stress, and damage to my reputation.

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 2025-10-01 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
I am requesting that the following items be removed or corrected on my credit report : PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXXXXXX XXXX PLEASE REMOVE THESE FRAUDULENT INQUIRIES XXXX XXXX XXXX- Inquiry : XX/XX/2023 XXXX XXXX XXXX : XX/XX/2023 XXXX XXXX XXXX XXXX- Inquiry : XX/XX/2023 PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-10-01 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: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: GOLDMAN SACHS BANK USA

Complaint narrative:
Company : Goldman Sachs Bank USA ( Issuer of Apple Card ) Product : Credit Card Issue : Billing error / charges on closed account My Apple Card account was officially closed on XX/XX/year>. The XX/XX/year> statement explicitly states : YOUR ACCOUNT IS CLOSED. YOU CAN NO LONGER MAKE PURCHASES ON THIS ACCOUNT. 
Despite this, Goldman Sachs continued to allow new transactions from merchants ( primarily XXXX XXXX  and XXXX XXXX ) to post to my account for XXXX months after closure, from XX/XX/year> through XX/XX/year>. 
I was only made aware of this shocking problem by pure chance. While randomly checking my Apple Card statement in hopes of locating my account number, I stumbled upon these new charges, even though the account has been closed for months. This is highly irregular and deeply concerning. 
Examples of post-closure charges include : * XX/XX/year> : XXXX XXXX  {$18.00} * XX/XX/year> : XXXX XXXX  {$17.00} ; XXXX XXXX {$20.00} * XXXX XXXX  : XXXX XXXX  {$14.00} * XX/XX/year> : XXXX XXXX  {$12.00} * XX/XX/year> : XXXX XXXX  {$4.00} ; XXXX XXXX {$31.00} * XX/XX/year> : XXXX XXXX  {$4.00} * XX/XX/year> : XXXX XXXX  {$15.00} * XX/XX/year> : XXXX XXXX  {$35.00} Each of these statements continues to repeat the closure disclaimer while still reflecting new charges. 

Why This Is Wrong XXXX. By law and under the Apple Card agreement, no new transactions should be processed once the account is closed. 
XXXX. Goldman Sachs failure to block post-closure charges for XXXX months is a systemic issuer error, not a merchant dispute. 
XXXX. This has caused me financial harm ( continued interest charges, inflated balance, stress ) and poses risk to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cash App closed my account on XX/XX/year>. 
Tried to withdraw my funds onto a different account so I can just be done with them. 

I have XXXX on the account, and had XXXX $ getting deposited. 

They will not let me add a card to get my money off the account, customer service did not help and will not help. 

I just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XXXX XXXX I tried calling the number provided by XXXX XXXX XXXX in regards to a letter about a debt owed. I called during business hours ( approximately XXXX ) I left a message after following the automated prompts for a phone call back so that I could pay the debt in full. I called again on Tuesday XXXX XXXX around the same time of day and still got voicemails but then decided to try and pay the full amount using the automated system. I followed all of the prompts, gave my payment information and received a confirmation of payment number. Last week I called back because the amount still had not cleared my account. I left XXXX voicemails to call back to make sure that they got my payment. I then submitted an contact request on their website. I got a phone call back but I was teaching my class ( I teach elementary school ) and was not able to answer. I called XXXX XXXX back at the number and extension provided and have left XXXX voicemails with no return phone call. I have submitted another contact request and have heard nothing. Please advise how I can talk with someone so that I can pay my balance. Thank you.

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 2025-10-01 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: OH

Complaint narrative:
Experian is misclassifying closed, chargedoff credit card tradelines ( XXXX XXXX and XXXX ) as if they are active revolving balances, inflating my revolving utilization. 
Facts : XXXX XXXX XXXX ( ending XXXX ) and XXXX XXXX XXXX ( ending XXXX ) are reported as paid charged off and closed. XXXX accounts ( endings XXXX, XXXX, XXXX, XXXX ) are reported as charged off/closed with DOFDs in XXXX. Despite the accounts being closed with no open limits, Experians adverse score factors show heavy use of available revolving credit and too many accounts with balances, indicating Experian is including these balances in my open utilization. XXXX, reviewing the same tradelines, reflects limited use of revolving credit, demonstrating this can be handled correctly. 
Why this is inaccurate/misleading : Under FCRA 1681e ( b ) and 1681i, the CRA must assure maximum possible accuracy and, upon dispute, reasonably reinvestigate and correct/delete inaccurate data. Counting closed chargeoffs as current revolving usage misrepresents my present credit behavior and depresses my scores.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I filed a fraud claim with Bank of America in XXXX 2025. I first reported the fraud in XX/XX/2025. I made payments to Bank of America in good faith ( {$800.00} in XX/XX/2025 ) and sent all of the requested documentation to Bank of America - police report, mail fraud report, identity theft report number, copies of bank statements. I was told it would take 45 days to investigate my claim. I have never heard back from Bank of America since filing the claim. In total I have paid from XXXX ( the length of time I had the card ) {$5300.00} which is {$130.00} less than the credit limit on the card. Multiple payments I made were misdirected by my bank - XXXX  XXXX to a fraudulent bank account that was opened using my credentials without my knowledge, permission or consent. I was told 7 months later by XXXX XXXX that the XXXX followed by XXXX digits and .txt were listed on my bank statements when a routing number can not be located. However, multiple payments were received by Bank of America and directly debited from my bank account. I have called Bank of America, filed the claim, called them again, made payments and have heard nothing regarding the status of my claim except that they continue to misreport the information on my account to the Credit Bureaus.

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 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
So basically I been accused for fraud and I dont know why I never received any money and I dont owe any banks.

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