vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this formal complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) related to my identity theft dispute. On XX/XX/year>, I submitted a legal demand with my FTC Identity Theft Report and supporting documentation, which identified fraudulent accounts from XXXXXXXX XXXX  and XXXX XXXXXXXX XXXX XXXX. Despite having received all required documents, Equifax has failed to block or delete these accounts, in direct violation of FCRA 1681c-2, and has not conducted a reasonable reinvestigation under FCRA 1681i ( a ) ( 1 ). In addition, certain accounts appear to have been reinserted without proper notice, further violating FCRA 1681i ( a ) ( 5 ). Their refusal to comply continues to cause harm to my creditworthiness and financial well-being. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 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: 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 2025-10-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
XXXX by Goldman Sachss knew I was in the hospital when I contacted them to do a transfer and instead locked me out of my account using immigrants for no reason. 

They discriminated and suggested my money was from fraud instead of the government and made it a point to deny me due process in my transactions which left me homeless and hungry and in the hospital. The bank intentionally caused me emotional distress and XXXX. They also put me in danger of being XXXX by predators who stalk women on the streets.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this letter as a formal complaint and request for investigation into XXXX XXXX XXXX for alleged violations of 15 U.S. Code 1692g ( Fair Debt Collection Practices Act ) and 15 U.S. Code 1635 ( Truth in Lending Act Right of Rescission ). 

An account reported by XXXX XXXX XXXX was opened on or about XX/XX/year>, and is currently being reported as Placed for Collection on my credit reports. I have formally disputed this account with the furnisher and the credit reporting agencies. Despite this, XXXX XXXX XXXX has continued to report and verify the account without providing proper debt validation or any documentation establishing a lawful right to collect. 

Pursuant to 15 U.S. Code 1692g, I requested : Verification of the original creditor and the alleged balance ; A copy of any signed contract or agreement bearing my signature ; A full itemization of the claimed debt ; and Documentation proving XXXX XXXX XXXX legal ownership or assignment of the debt. 

To date, none of this information has been provided. The continued reporting and collection activity without validation constitute a direct violation of federal law.

Furthermore, under 15 U.S. Code 1635, I am exercising my Right of Rescission regarding any alleged agreement that may have been formed without full disclosure of credit terms. XXXX XXXX XXXX has failed to provide adequate disclosures or proof of a valid contractual obligation.

I am therefore requesting that the CFPB review and investigate XXXX XXXX XXXX conduct for : Failing to validate the alleged debt as required by federal law ; Continuing to report disputed information to credit bureaus ; Violating my rescission rights under the Truth in Lending Act.

I respectfully request that the Bureau take appropriate action to enforce compliance, require XXXX XXXX XXXX to delete the disputed account from my credit reports, and ensure that no further collection activity occurs on this account. 

Attached are copies of relevant documentation, including my prior dispute correspondence and credit report entries. 

Thank you for your attention to this matter and for your continued protection of consumer rights. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-10-08 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: FL

Complaint narrative:
understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-08 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: FL

Complaint narrative:
understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-10-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I had a total loss XX/XX/XXXX with my XXXX XXXX XXXX. I had GAP insurance through XXXX XXXX XXXX. They initiated my GAP claim to the third party that was assigned to me by them which is XXXX XXXX XXXX, located in New Jersey, USA. However, the third party claimed to never have received the fax. They requested proof of fax from KIA Finance Motors, but KIA stated they did not have that to provide, therefore my claim has not been processed, and the account has been closed but I still owe over {$12000.00}. I have been in correspondence with both parties for over a year and neither parties will fix this issue and process my remaining balance via GAP that they are legally supposed to fix. This has caused my credit to plummet close to XXXX points. I am needing assistance with correcting this issue, because I am not at fault in this ordeal. I would be so grateful to finally rest this issue after a long 14 months.

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 2025-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established under my name. I would appreciate it if you could consider this situation while reviewing my credit report and take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Americor Funding, LLC
State: AK

Complaint narrative:
In XX/XX/XXXX, I received a letter from XXXX that looked like an offer for a debt consolidation loan. I called and enrolled on XX/XX/XXXX, believing I was getting a loan to pay off my credit cards. I have limited XXXX and did not understand that this was actually a debt relief program. 
XXXX did not clearly disclose that I would become delinquent, that my credit score would drop, or that I could be sued if I stopped paying my creditors. None of these risks appear in the agreement they had me sign. The agreement focuses on fees and process, not on these serious risks. 
Americors documents estimated : Total Enrolled Debt {$43000.00} ( made up of {$26000.00} from XXXX and {$16000.00} from XXXX XXXX  XXXX ), with an Estimated Negotiation Fee of {$11000.00}, and a Total Monthly Deposit of {$830.00} for XXXX months ( program through about XX/XX/XXXX ), totaling about {$35000.00}. 
While the monthly payment looked slightly lower, the repayment period was much longer, so the overall cost would be similar or higher once fees and consequences were considered. XXXX also represented estimated savings, but in practice the plan mainly extended the term and added large fees. 
If the program had truly resolved my debts after XXXX months, that would have been acceptable. 
However, despite more than a year of payments, I suddenly received a court summons from XXXX XXXX  XXXX ( case no. XXXX ). When I contacted the collection law firm XXXX XXXX XXXX XXXX ), they told me that XXXX had never contacted them even once to negotiate my debtand even worse, they had reached out to XXXX multiple times themselves, but XXXX never responded. 
Only after I was sued did XXXX tell me I needed to accumulate an additional {$18000.00} before they could begin negotiations. 
That condition was never mentioned or written in the agreement. I was extremely frustratedmy credit score had already dropped drastically, but I tried to stay patient until that moment. When I heard about the {$18000.00} requirement, I finally lost my patience and felt completely deceived. 
I requested ( XXXX ) a copy of my signed agreement and all disclosures, and ( XXXX ) the recording of my initial enrollment call to verify what was explained. XXXX sent the agreement, but it does not contain any clear disclosure of credit damage, lawsuit risk, or the {$18000.00} requirement. I never received the call recording. 
As a result of Americors confusing and missing disclosures, my credit score fell from around XXXX to very low, and I am now in litigation with XXXX XXXX XXXXXXXX because XXXX failed to act and ignored communications from the creditors attorney. 
I am asking the CFPB to investigate Americors deceptive and unfair practices, require clear, prominent disclosures ( especially for limited-English consumers ), and provide appropriate relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Incorrect address on my credit report. An eviction on my credit report for an address I have never lived at.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I I am writing too express my concerns regarding zelle handling disputes, particularly in light of the recent CFPB. Lawsuit juggling significant issues! With the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claims adequately.they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasable. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-08 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This letter serves as a formal dispute, deletion demand, and notice of arbitration election under the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and applicable arbitration provisions governing the furnishers of the data listed below. 

I am the victim of identity theft and ongoing data breaches affecting consumer reporting agencies and creditors. Under XXXX U.S.C. XXXX ( FCRA XXXX ), I am requesting the immediate blocking, removal, and deletion of all unauthorized inquiries, inaccurate accounts, and unverifiable derogatory marks from my TransUnion credit file.

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 2025-10-08 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: TN

Complaint narrative:
Credit report act section 1681b ( c ) please validate this information and provide copies any or of all account with my signature authorization of an inquiry with my signature inquiries need to be deleted Title 15 USC 1692 ( a ) 3, title 15 chapter 41, title 15 USC 1681s-2 all inquiries hard/soft need to be removed 15 USC 1681s-2 ( b ) everyday they are not removed XXXX per violation, XXXX identity theft fine. 

The FCRA also requires that consumer reporting agencies follow certain procedures before inserting into consumer reports information that has previously been removed as the result of a dispute. 
The CFPB alleges that Experian has violated the CRA 's requirements for handling consumer disputes XXXX numerous ways. Specifically, the CFPB alleges that experian, transunion, equifax is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, Experian, equifax, transunion uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian Equifax transunion routinely and uncritically accept the original furnisher 's response to the disputed information, even when that response was improbable or illogical on its face, or when Experian equifax transunion has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian equifax transunion sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. 
Improperly reinserting inaccurate information on consumer reports. 

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SIENCE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I PRESUME THAT NO PROOF OF THE ALEGED DEBT NOR THEREFORE ANY SUCH DEBT IN PACT THEREFORE EXISTS

Company response to consumer: Closed with explanation