vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: NV

Complaint narrative:
Identity-theft tradeline newly added XXXX  - Account Number : XXXX ) On XX/XX/year>, Equifax began reporting a fraudulent XXXX  account that has never appeared on my Equifax file before. 
This same account is already under identity-theft dispute with XXXX, supported by my FTC Identity-Theft Report, Police Report, and ID.

Under FCRA 605B ( c ) ( 2 ), Equifax must block identity-theft information within 4 business days of receiving my documentation.

Adding this account without notice violates 611 ( a ) ( 5 ) ( B ) ( ii ) ( no 5-day reinsertion notice ). 

Requested Action : Immediate deletion and permanent block ( Do Not Reinsert ) of the XXXX ( Account Number : XXXX ) and written confirmation within 48 hours.

This is an urgent FCRA 605B ( c ) ( 2 ) violation ( identity theft ) and 611 ( a ) ( 5 ) ( B ) reinsertion breach. 
Equifax must delete and block this fraudulent XXXX  tradeline within 48 hours. I am in active mortgage escrow and suffering financial harm. 

I have attached all prior documents elated to this fraudulent account from XXXX to Equifax and the latest documents ( Please see all attachments ) Please escalate to CFPB XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
I am sending to formally dispute several accounts that appear on my credit report. After reviewing my file in detail, I found multiple accounts reporting information that does not align with my verified payment history and account records. I take my financial obligations seriously and always strive to maintain accurate, up-to-date records. It is deeply concerning to find discrepancies that could negatively impact my creditworthiness and reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to ensure that all accounts reported under my name is complete and accurate, and I am exercising that right through this dispute. 
XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX Balance {$3500.00} XXXX XXXX Balance {$6600.00} XXXX XXXX Balance {$1800.00} XXXX XXXX Balance {$5400.00} XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX XXXX Balance {$5400.00} XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Balance {$6600.00} XXXX  XXXX Balance {$22000.00} XXXX XXXX Balance {$3500.00} XXXX XXXX Balance {$6600.00} XXXX XXXX Balance {$5400.00} XXXX  XXXX Balance {$1800.00}

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 non-monetary relief
Consumer complaint received 2025-10-24 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:
I am submitting a complaint to follow up on my prior dispute regarding several inaccurate and unverifiable items on my credit report. Despite my initial dispute, these entries remain, continuing to misrepresent my financial history, harm my credit reputation, and affect my ability to access fair credit opportunities. I am formally requesting permanent removal of all the items listed below, as they are not supported by verifiable documentation and are reported in violation of federal law. 
Late Closed Accounts The following accounts are being reported as Late Closed with {$0.00} balances, yet no verification or documentation has been provided to substantiate these claims : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} * * The continued reporting of these accounts as Late Closed is misleading and inaccurate. Reporting unverified information violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), and 605B / 15 U.S.C. 1681c-2. These entries are harmful to my credit profile and must be permanently removed.

Charged-Off Accounts The following accounts are reported as charged off without any valid 1099-C or other verifiable documentation : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8800.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} Because these debts can not be verified as accurate, reporting them is misleading, damaging to my financial reputation, and constitutes a violation of FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). I am requesting that these accounts be permanently deleted from my credit report. 


Unauthorized Credit Inquiries Additionally, my report contains multiple unauthorized inquiries : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year> XXXX  XX/XX/year> These inquiries were conducted without my consent and violate FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 619 15 U.S.C. 1681q, and 605B / 15 U.S.C. 1681c-2. There is no permissible purpose for these inquiries, and their presence is an unlawful misrepresentation of my credit activity. They must be permanently 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 2025-10-24 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: CO

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this statement to formally report Transunion 's failure to address my dispute regarding inaccurate personal information on my credit report, originally submitted on XX/XX/year>2025. Despite providing valid proof of my identity, including a government-issued ID, utility bill, and Social Security card , Transunion has not removed the erroneous names and addressesXXXX XXXX XXXX, XXXX, NY XXXX XXXX and XXXX XXXX XXXX, XXXX, NY XXXXwhich do not belong to me and have never been part of my residence history. This inaction raises serious concerns about Transunions compliance with the Fair Credit Reporting Act ( FCRA ), which requires timely and thorough investigation and correction of disputed 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 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
To Whom It May Concern, I am submitting this formal Cease and Desist Notice to demand immediate action regarding inaccurate and misleading information appearing on my credit reports. The continued presence and distribution of this erroneous data constitutes a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
XXXX XXXX XXXXXXXX XXXX ] Account # XXXX : Reported as delinquent, as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - 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  Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-10-24 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: PA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian and TransUnion  Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my 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 explanation
Consumer complaint received 2025-10-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have not consented to this inquiry, nor did I speak with the lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am filing this complaint because Experian is continuing to report a tradeline from XXXX XXXX XXXX XXXX XXXX XXXX with the original creditor listed as XXXX XXXX XXXX XXXX despite failing to receive any verifiable documentation from the original creditor. 

I initially disputed this account on XX/XX/year>, providing proof that Resurgent and XXXX had not produced any original records or payment history from XXXX XXXX XXXX XXXX. The only material provided during the reinvestigation was an internally generated account summary created by XXXX not a document originating from XXXX XXXX XXXX XXXX. 

This internal summary contains no account statements, payment records, or evidence from the original creditor. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ), Experian is required to conduct a reasonable reinvestigation and delete any information that can not be verified with original documentation. 

I followed up with a Notice of Noncompliance on XX/XX/year>, demanding that Experian obtain actual XXXX XXXX XXXX XXXX XXXX by XX/XX/year>, or delete the tradeline. Experian has since responded by refusing to delete the unverifiable tradeline, despite having no proof of the debt. 

This constitutes a willful violation of the FCRA because Experian continues to report information that has not been verified by the original creditor and has disregarded documentary evidence that the furnisher ( XXXX  ) can not substantiate the debt.

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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/XXXX, a charge of {$15.00} for a XXXX subscription was processed via the XXXX XXXX XXXX. Subsequently, XXXX informed me that my subscription was canceled due to non-payment, despite my card statement indicating a successful transaction. Upon contacting XXXX, they confirmed they no longer had a record of my subscription and suggested this was an Apple billing issue. 

The following day, an Apple representative reviewed the details I provided via Apple chat. They stated that no {$15.00} charge for XXXX was visible on their system, nor was there any record of a XXXX subscription under my account. They also noted that XXXX subscriptions are typically billed on the XXXX of each month, not the XXXX, and advised me to contact Apple Card Services ( Goldman Sachs ) for further investigation. 
My interaction with Goldman Sachs involved transfers through approximately five different chat agents. Eventually, one representative initiated a case, canceled my card number, and processed a refund, acknowledging that the funds were not sent to XXXX and their destination was unknown. 

However, this evening, around XXXX XXXX I received an email from Goldman Sachs stating their intention to reverse the refund and re-charge me, claiming that XXXX had already issued a refund. This assertion is entirely inaccurate. As a result, I am currently out {$15.00}, and neither XXXX nor Goldman Sachs can account for the whereabouts of these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
There are accounts such as XXXX XXXX that continuously report in error. I have no obligation to this frivolous account that is removed like a few others and then periodically shows back up and is reported wrongfully. I have been a victim of identity theft before, and this is only one of the many examples of falsely submitted information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
I am following up regarding my prior disputes concerning inaccurate, unverifiable, and misleading items reported on my credit report. Despite previous communications, the following entries remain on my report, continuing to misrepresent my financial history and adversely impact my creditworthiness. I am formally demanding the permanent removal of all items listed below. 
Late Closed 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 These accounts are reported as Late Closed without any verifiable documentation or proof of delinquency. Their presence on my credit report is inaccurate, misleading, and damaging to my financial reputation. Reporting unverified accounts is a violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), and 605B / 15 U.S.C. 1681c-2. Because these accounts can not be verified, they must be permanently removed from my credit report. 
Unauthorized Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were conducted without my consent, authorization, or permissible purpose, violating FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 619 15 U.S.C. 1681q, and 605B / 15 U.S.C. 1681c-2. Their continued presence is unauthorized, misleading, and damaging to my creditworthiness. They must be permanently 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 2025-10-24 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 am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

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 2025-10-24 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

15 U.S.C XXXX section XXXX A. States I have the right to privacy. 

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account has been paid in full, yet it still reflects late payment history.

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 2025-10-24 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: FL

Complaint narrative:
I am following up regarding my prior disputes concerning inaccurate, unverifiable, and misleading items reported on my credit report. Despite previous communications, the following entries remain on my report, continuing to misrepresent my financial history and adversely impact my creditworthiness. I am formally demanding the permanent removal of all items listed below. 
Late Closed 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 These accounts are reported as Late Closed without any verifiable documentation or proof of delinquency. Their presence on my credit report is inaccurate, misleading, and damaging to my financial reputation. Reporting unverified accounts is a violation of FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), and 605B / 15 U.S.C. 1681c-2. Because these accounts can not be verified, they must be permanently removed from my credit report. 
Unauthorized Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inquiries were conducted without my consent, authorization, or permissible purpose, violating FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), FCRA 619 15 U.S.C. 1681q, and 605B / 15 U.S.C. 1681c-2. Their continued presence is unauthorized, misleading, and damaging to my creditworthiness. They must be permanently removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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 do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-10-24 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
This account has been paid in full, yet it still reflects late payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I, state that I was issued a Nevada Unemployment debit card approximately five years ago, but I never received this card and did not activate or use it at any time. I only recently became aware that the card had been activated and that unauthorized withdrawals totaling {$19000.00} were made. I have updated my contact information to ensure proper communication regarding this matter. I declare that all statements above are true and correct to the best of my knowledge. 

Date : XX/XX/year> XXXX, XXXX : XXXX XXXX NV

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