vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
To Whom It May Concern. This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law.

Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within four ( 4 ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XX/XX/XXXX XXXX, Unknown - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, EQUIFAX continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
To Whom It May Concern. This letter serves as a formal request for the immediate deletion of fraudulent information appearing on my credit report, in accordance with 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

Despite multiple disputes and the evidence I have previously submitted, this account continues to be reported, which constitutes a violation of federal law.

Enclosed you will find a copy of my Identity Theft Report issued by the Federal Trade Commission, FTC Report Number : XXXX. 
As required under 15 U.S.C. 1681c-2, once an identity theft report is provided, a credit reporting agency must block the disputed information within four ( 4 ) business days. You have failed to meet this obligation. 
The account that must be immediately removed is : XX/XX/XXXX XXXX, Unknown - XXXX This account does not belong to me and is the direct result of identity theft. Other credit bureaus have already deleted it after being unable to verify its legitimacy. The furnisher has failed to produce any signed agreement or verifiable documentation for over 60 days, confirming that this account can not be validated. 
However, EQUIFAX continues to report it, knowingly allowing inaccurate and harmful information to remain on my file. 
Your failure to remove this fraudulent account has caused ongoing financial and personal harm, including credit denials and the inability to move forward with essential financial goals such as home ownership. 
This situation is both unacceptable and unlawful. 
I am demanding that you immediately block and delete this fraudulent account from my credit report. 
If this issue is not resolved promptly, I will proceed with filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General for your continued noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 non-monetary relief
Consumer complaint received 2025-12-08 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC 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  To Whom It May Concern : I am writing to formally dispute the XXXX XXXX XXXX tradeline associated with XXXX XXXX XXXX XXXX The information being reported is inaccurate and requires reinvestigation under FCRA 611. 

On XX/XX/year>, I mailed a certified Debt Validation ( DV ) request and a Cease & Desist ( C & D ) notice to XXXX XXXX XXXX. USPS tracking confirms delivery. XXXX later responded to the XXXX portion, but their response did not include proper validation. They provided internal summaries instead of original account documentation, itemized statements, or assignment records. 

XXXX also did not acknowledge or address the Cease & Desist notice, which was part of the same certified mailing. 

Despite the pending dispute and lack of proper validation, XXXX continued reporting and updating this account. My XX/XX/year> credit report shows the account updated in XX/XX/year> after XXXX received my DV and C & D notices. 

Because the furnisher failed to validate and continued furnishing disputed information, I am requesting reinvestigation and deletion of this tradeline if accuracy can not be substantiated. 

Please communicate by email or mail only. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
Southwest Credit Systems XXXX XXXXXX/XX/XXXXXXXX XXXX, TX XXXXXX/XX/XXXX : Demand for Investigation & Permanent Deletion Inaccurate and Unverifiable Reporting Account Number : XXXX Original Creditor : XXXX Reported Balance : {$120.00} Date Opened : XX/XX/year> Current Status : Unpaid / Collection To Whom It May Concern : This letter serves as my formal demand for deletion of the above-referenced account you are reporting. The information you are furnishing to the credit bureaus is inaccurate, incomplete, inconsistent, and unverifiable, which constitutes violations under : Fair Credit Reporting Act ( FCRA ) 15 USC XXXX et seq. 


Fair Debt Collection Practices Act ( FDCPA ) 15 USC XXXX et seq. 


XXXX Accuracy Requirements Metro 2 Reporting Standards DISPUTED ISSUES & REPORTING VIOLATIONS XXXX. Inconsistent Reporting Across Bureaus This account appears differently as an open account on some bureaus and a collection account on others, which violates : FCRA XXXX ( b ) maximum possible accuracy Metro 2 standards for collection account coding XXXX. No Verification of the Alleged Debt You have not provided : A signed contract Itemized billing statements Proof of ownership of the alleged debt Proof of legal right to collect Proof of assignment or transfer from the original creditor Under FDCPA XXXX ( a ), verification must be provided before reporting or continuing collection. 
XXXX. Missing Required Furnisher Data Your reporting is missing critical compliance fields, including : Accurate opening date Account classification Dates of delinquency Correct status cXX/XX/XXXXes This violates FCRA XXXX ( a ) ( XXXX ) ( inaccurate furnishing of data ). 
XXXX. No Evidence the Account Is Valid or Legally Collectible Because the debt is not validated, it must not be furnished to any CRA. 
FORMAL REQUEST I hereby demand that Southwest Credit Systems : Cease reporting this account to all credit bureaus immediately. 


Provide complete validation of the debt, including the legally required documents : Original signed contract Full accounting of charges Proof of ownership or assignment Name/contact of the original creditor representative who verified the account Delete this account permanently from all consumer reporting agencies if validation can not be produced. 


Provide written confirmation of the results of your investigation. 


If you can not validate this account within XX/XX/XXXX days, you must : Cease collection activity Delete the account from all credit reports Cease communication, except to confirm deletion, per FDCPA XXXX ( c ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Subject : Urgent Complaint Regarding Inability to Withdraw Funds from Apple XX/XX/XXXXAccount ( Goldman Sachs Bank USA ) To Whom It May Concern, I am submitting this complaint regarding Goldman Sachs Bank USA, the institution behind the Apple Savings Account, due to repeated failed attempts to withdraw my own funds and the banks inability to resolve the issue despite multiple contacts. 

I have held my AppleXX/XX/XXXX account for over a year without any issues. My current balance is {$51000.00}. Beginning in late XX/XX/year>, I became completely unable to withdraw any funds. The following withdrawal attempts were declined without explanation : XX/XX/year> : Attempted withdrawal of {$51000.00} ( entire balance ) declined XX/XX/year> : Attempted withdrawal of {$50000.00} declined XX/XX/year> : Attempted withdrawal of {$10000.00} declined XX/XX/year> : Attempted withdrawal of {$20000.00} declined Each time a withdrawal failed, I immediately contacted Goldman Sachs customer support. Every representative assured me that the problem had been identified and corrected. However, the issue persists, and I remain unable to access my funds. 

To date, I have spent well over XXXX XX/XX/XXXXon hold, speaking with multiple support agents, with no resolution and no explanation for these repeated declines. My money is currently inaccessible to me, and I am extremely concerned about Goldman Sachs inability to provide reliable access to my own insured deposits. 

Additionally, my personal research indicates that many other Apple XX/XX/XXXXcustomers are experiencing similar withdrawal issues, suggesting this may be part of a broader systemic problem. 

I am requesting that your agency : Investigate Goldman Sachs Bank USA regarding withdrawal failures in Apple XX/XX/XXXX accounts. 

Ensure that I am granted immediate access to my funds. 

Determine whether Goldman Sachs is in compliance with consumer banking and deposit access regulations. 

Require Goldman Sachs to provide a written explanation for the repeated withdrawal denials. 

I am happy to provide screenshots, transaction attempts, account details, and call logs if needed. 

Thank you for your attention to this matter. Please contact me if any additional information is required. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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 would greatly appreciate your help in resolving this matter, as I did not authorize or open the accounts in question. They seem to be fraudulent, and I have attached supporting evidence.

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 2025-12-08 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: TX

Complaint narrative:
I am disputing the following information as it is inaccurate or incomplete. Please investigate these accounts to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MI

Complaint narrative:
I am filing this complaint because several accounts and inquiries are being reported inaccurately or without proper verification. I have tried to resolve these issues directly with the credit bureaus, but the information remains incorrect. I am requesting the CFPBs assistance to ensure a proper investigation under the FCRA. 
Charged-Off AccountXXXX XXXX  Acct XXXX XXXXXXXX Opened XX/XX/XXXX XXXX {$1700.00} I dispute this account due to inaccurate reporting and lack of validation. 

XXXX  AccXXXX XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$1700.00} I have no record of this account. I request validation or removal for inaccurate reporting. 

XXXX Acct XXXX XXXXXXXX Opened XX/XX/XXXX XXXX {$3000.00} This account appears to be reported inconsistently across bureaus. I dispute the accuracy and request proper verification. 

XXXX XXXX XXXX Acct XXXX XXXXXXXX Opened XX/XX/XXXX Balance {$2300.00} I dispute this account because I have not received proper documentation validating the debt or balance. 

Inquiries XXXX XXXXXX/XX/XXXX I dispute this inquiry because I do not recognize authorizing it. I request verification or removal. 

Late Payments XXXX XXXX XXXX Acct XXXX XXXX  XXXX XXXX XXXX Acct XXXX XXXXXXXX These late payments appear inaccurate. I request complete verification with proper records. If they can not be validated, they should 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 2025-12-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am filing this complaint because Discover is furnishing inaccurate, contradictory, and incomplete information about my credit card account across the credit reporting agencies. Discover failed to correct these issues after my disputes and did not provide the verification documentation I requested.

1. Discover is reporting contradictory account statuses across the three bureaus From my 3-bureau credit report : XXXX  : Closed / Derogatory / Bankruptcy wage earner plan XXXX  : Closed / Bankruptcy coding correct XXXX  : OPEN, no bankruptcy notation, payment status Unknown, no derogatory information, and no payment history These statuses can not all be accurate. 
An account can not be OPEN on one bureau and CLOSED on the others.

This violates FCRA 1681s-2 ( b ) because Discover is required to furnish accurate and consistent information.

2. Discover is missing required bankruptcy indicators on some bureaus Discover reports proper bankruptcy coding to XXXX  and XXXX, but fails to report any bankruptcy information to XXXX.

This is materially misleading and violates Metro 2 furnishing requirements.

3. Discover failed to conduct a reasonable investigation I disputed the account with the credit bureaus. Discover responded through automated e-OSCAR code verification without addressing the contradictory data or providing documentation supporting its reporting.

I requested verification of : Account status ( OPEN vs. CLOSED ) Bankruptcy coding Payment rating Metro 2 fields Any documents Discover relied on when responding to the ACDV dispute Discover did not provide this information.

4. XXXX  recently stated there may be potential fraud involved In a related CFPB complaint ( No. XXXX ), XXXX  stated : There may be potential fraud involved.

This indicates that Discovers furnished information may be unreliable or unverifiable.

5. Harm Discovers inaccurate and contradictory reporting is damaging my credit, preventing accurate bankruptcy recovery, and causing financial and emotional harm.

Requested Action I am requesting that Discover : Conduct a manual, documented investigation under FCRA 1681s-2 ( b ).

Provide all documentation used to verify the furnished information.

Correct or delete the account if Discover can not ensure consistent and accurate reporting across all bureaus.

Update all credit bureaus to reflect accurate bankruptcy coding and account status. 

Discovers reporting remains inaccurate and unverifiable, in violation of FCRA obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlantic Recovery Solutions LLC
State: VA

Complaint narrative:
Atlantic Recovery Solutions ( ARS ) sent me a written settlement offer on an XXXX account showing a total balance of {$140.00} and stating a 70 % settlement-offer. Based on standard industry and FDCPA terminology, this means 70 % is forgiven and 30 % is the settlement amount owed. 

I paid {$43.00} on XX/XX/year> based on this written settlement agreement and have attached proof of the payment and the written settlement message. After receiving my payment, ARS contacted me again claiming I still owe a remaining balance and sent new collection messages attempting to collect more money.

This is a false and misleading representation of the debt and a continued collection attempt after settlement. I am requesting that ARS update my balance to {$0.00}, provide written confirmation of settlement, and update any credit reporting accurately.

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 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: FL

Complaint narrative:
They are sending me repeat emails 2-3 times a day 7 days a week about a credit card debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Affirm furnished only the older loans where I had late payments but withheld multiple positive, fully paid accounts from the same period ( loan XXXX : XXXX, XXXX, XXXX, XXXX, XXXX ). In their prior CFPB response, XXXX admitted their selective reporting policy : Usually, your first monthly installment plan was reported. Additional monthly installment plans were reported only if they became XXXX days overdue. This means they only reported negative items and withheld the positive ones, which is incomplete and misleading under FCRA 623 ( a ) ( 1 ) ( A ) and the XXXX XXXX. 

I contacted XXXX directly on XX/XX/year> with a dispute requesting correction or full reporting of the missing positive accounts. XXXX did not respond at all and did not provide any investigation results, which is a violation of FCRA 623 ( a ) ( 8 ). 

I also disputed the issue with Experian twice. The first time they repeated Affirms accurate response without addressing incompleteness. After I submitted Affirms own admission quoted above, Experian reclassified the Affirm accounts as Buy Now Pay Later, which increased my score by XXXX points and improved payment history by 19 %, confirming the original reporting was misleading. Despite this, Experian is still publishing these incomplete XXXX tradelines even though XXXX refuses to provide the full positive data.

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 2025-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: MO

Complaint narrative:
I have called 3 days in a row and asked company to send me an email link to send in new court documents that show the Robinhood account is not frozen. They will not allow me to withdrawal my money and make no attempts to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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:
The disputed entry inaccurately reflects my financial behavior and is incorrect. I respectfully request that my account be updated to show accurate information.

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: KS

Complaint narrative:
Cash App user XX/XX/XXXX conversenation has the legal name of XXXX XXXX XXXX. The authentication process will not let me enter a single letter for my first name. Over XXXX chats, XXXX phone calls and XX/XX/XXXXmonths. I am basically unable to use my account at I used to use it.

Company response to consumer: Closed with explanation